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TSF INVESTMENTS LIMITED (IN:TSFINV)
:TSFINV
India Market

TSF INVESTMENTS (TSFINV) AI Stock Analysis

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IN:TSFINV

TSF INVESTMENTS

(TSFINV)

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Outperform 71 (OpenAI - 5.2)
Rating:71Outperform
Price Target:
Action:ReiteratedDate:12/30/25
The score is primarily driven by strong financial performance—especially low leverage and solid, consistent cash generation. Offsetting this is meaningful income statement volatility (notably the FY2025 revenue drop and outsized net income vs. revenue). Technical and valuation inputs are neutral due to missing data.
Positive Factors
Low Leverage
Low leverage enhances financial flexibility and reduces refinancing risk, supporting long-term stability and growth potential.
Negative Factors
Income Statement Volatility
Volatility in revenue and disproportionate net income raise concerns about earnings quality and predictability, impacting confidence in future performance.
Read all positive and negative factors
Positive Factors
Negative Factors
Low Leverage
Low leverage enhances financial flexibility and reduces refinancing risk, supporting long-term stability and growth potential.
Read all positive factors

TSF INVESTMENTS (TSFINV) vs. iShares MSCI India ETF (INDA)

TSF INVESTMENTS Business Overview & Revenue Model

Company Description
TSF Investments Limited engages in the business of investments, and business processing and support services in India and internationally. It invests in the automotive sector. The company also offers outsourcing services to large and mid-sized fir...
How the Company Makes Money
Sundaram Finance Holdings generates revenue through multiple key streams. The primary source of income comes from interest earned on vehicle loans and financing services, as it provides loans for purchasing commercial and personal vehicles. Additi...

TSF INVESTMENTS Financial Statement Overview

Summary
Strong overall fundamentals supported by a very low-debt balance sheet and consistently positive operating/free cash flow with strong recent cash conversion. The main risk is income statement volatility, including a sharp FY2025 revenue decline and net income that appears outsized versus revenue, which reduces confidence in earnings durability.
Income Statement
67
Positive
Balance Sheet
88
Very Positive
Cash Flow
83
Very Positive
BreakdownTTMMar 2025Mar 2023Mar 2022Mar 2021Mar 2021
Income Statement
Total Revenue3.37B1.55B2.91B910.20M808.61M602.65M
Gross Profit1.82B1.29B2.59B597.74M450.57M248.07M
EBITDA1.17B1.16B2.43B469.00M294.55M131.24M
Net Income3.13B4.12B4.12B5.33B2.38B1.63B
Balance Sheet
Total Assets66.11B58.37B49.48B49.48B36.35B30.96B
Cash, Cash Equivalents and Short-Term Investments648.06M159.19M159.19M4.67B165.62M144.98M
Total Debt2.73B160.97M160.97M182.51M182.51M31.87M
Total Liabilities6.44B2.30B1.55B1.55B645.06M934.56M
Stockholders Equity59.10B56.07B47.93B47.93B35.70B30.02B
Cash Flow
Free Cash Flow1.76B1.81B1.32B819.67M294.96M177.45M
Operating Cash Flow1.81B1.82B1.32B1.00B298.57M189.26M
Investing Cash Flow-2.98B-1.41B1.36B1.36B-3.45B-96.38M
Financing Cash Flow1.50B-2.11B-1.03B-1.03B3.19B-79.31M

TSF INVESTMENTS Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
71
Outperform
₹10.74B24.9261.59%-17.60%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
66
Neutral
₹1.41T13.640.68%41.32%56.12%
55
Neutral
₹291.34B5.311.87%4.79%13.08%
52
Neutral
₹664.16B12.72
49
Neutral
₹228.11B27.090.80%-3.68%-80.12%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IN:TSFINV
TSF INVESTMENTS
IN:IOB
Indian Overseas Bank
34.49
-0.77
-2.18%
IN:LICHSGFIN
LIC Housing Finance Ltd
529.65
-17.07
-3.12%
IN:MANAPPURAM
Manappuram Finance Limited
269.50
46.31
20.75%
IN:MUTHOOTFIN
Muthoot Finance Ltd
3,500.95
1,386.52
65.57%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Dec 30, 2025