Tirupati Fincorp Ltd
₹ 150
-3.16%
21 Dec 2015
About
Incorporated in 1982, Tirupati Fincorp Ltd is in the business of investment and financial management[1]
Key Points
- Market Cap ₹ Cr.
- Current Price ₹ 150
- High / Low ₹ /
- Stock P/E
- Book Value ₹ 0.24
- Dividend Yield 0.00 %
- ROCE 4.28 %
- ROE -192 %
- Face Value ₹ 10.0
Pros
- Company has reduced debt.
- Company's working capital requirements have reduced from 86.4 days to 57.8 days
Cons
- Stock is trading at 618 times its book value
- Company has low interest coverage ratio.
- Company has a low return on equity of -43.9% over last 3 years.
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Peer comparison
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Quarterly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 0.40 | 0.59 | 0.61 | 0.24 | 0.16 | 0.59 | 1.17 | 2.79 | 18.53 | 4.67 | 102.53 | 25.13 | |
| 0.34 | 0.39 | 0.31 | 0.10 | 0.09 | 0.21 | 1.18 | 1.88 | 17.84 | 2.60 | 105.64 | 18.56 | |
| Operating Profit | 0.06 | 0.20 | 0.30 | 0.14 | 0.07 | 0.38 | -0.01 | 0.91 | 0.69 | 2.07 | -3.11 | 6.57 |
| OPM % | 15.00% | 33.90% | 49.18% | 58.33% | 43.75% | 64.41% | -0.85% | 32.62% | 3.72% | 44.33% | -3.03% | 26.14% |
| 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.12 | 0.00 | 0.01 | 0.06 | 8.17 | 0.00 | |
| Interest | 0.02 | 0.01 | 0.15 | 0.09 | 0.01 | 0.28 | 0.09 | 0.61 | 1.39 | 1.66 | 5.89 | 13.30 |
| Depreciation | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | 0.04 | 0.19 | 0.15 | 0.05 | 0.06 | 0.10 | 0.02 | 0.30 | -0.69 | 0.47 | -0.83 | -6.73 |
| Tax % | 25.00% | 21.05% | 53.33% | 0.00% | 0.00% | 20.00% | 250.00% | 16.67% | -28.99% | 34.04% | -1.20% | -14.41% |
| 0.03 | 0.15 | 0.07 | 0.05 | 0.06 | 0.07 | -0.02 | 0.25 | -0.48 | 0.31 | -0.82 | -5.76 | |
| EPS in Rs | 0.06 | 0.30 | 0.14 | 0.10 | 0.12 | 0.14 | -0.04 | 0.51 | -0.97 | 0.63 | -1.66 | -11.65 |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 46% |
| 5 Years: | 85% |
| 3 Years: | 11% |
| TTM: | -75% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| TTM: | -602% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| 1 Year: | % |
| Return on Equity | |
|---|---|
| 10 Years: | -12% |
| 5 Years: | -26% |
| 3 Years: | -44% |
| Last Year: | -192% |
Balance Sheet
Figures in Rs. Crores
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 4.94 | 4.94 | 4.94 | 4.94 | 4.94 | 4.94 | 4.94 | 4.94 | 4.94 | 4.94 | 5.31 | 5.31 |
| Reserves | 0.16 | 0.31 | 0.38 | 0.42 | 0.48 | 0.56 | 0.53 | 0.81 | 0.38 | 0.75 | 0.55 | -5.19 |
| 0.00 | 15.44 | 5.62 | 6.37 | 4.48 | 10.79 | 11.07 | 22.80 | 17.72 | 47.80 | 195.73 | 105.04 | |
| 0.02 | 0.29 | 0.55 | 0.58 | 0.43 | 0.46 | 0.58 | 0.42 | 1.57 | 1.51 | 7.83 | 14.67 | |
| Total Liabilities | 5.12 | 20.98 | 11.49 | 12.31 | 10.33 | 16.75 | 17.12 | 28.97 | 24.61 | 55.00 | 209.42 | 119.83 |
| 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 0.00 | 0.05 | 0.06 | 0.06 | 0.06 | 0.06 | 0.00 | 0.00 | 0.00 | 0.01 | 15.00 | 13.50 |
| 5.12 | 20.93 | 11.43 | 12.25 | 10.27 | 16.69 | 17.12 | 28.97 | 24.61 | 54.99 | 194.42 | 106.33 | |
| Total Assets | 5.12 | 20.98 | 11.49 | 12.31 | 10.33 | 16.75 | 17.12 | 28.97 | 24.61 | 55.00 | 209.42 | 119.83 |
Cash Flows
Figures in Rs. Crores
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1.63 | 0.41 | 0.00 | 0.00 | 0.41 | 0.30 | 0.52 | 1.66 | -1.48 | 8.39 | 8.34 | ||
| 0.00 | -0.01 | 0.00 | 0.00 | 0.00 | -0.06 | 0.00 | 0.00 | -0.51 | -14.95 | 0.04 | ||
| -1.44 | -0.63 | 0.00 | 0.00 | -0.41 | -0.05 | -0.59 | -1.79 | 3.03 | 5.69 | -8.52 | ||
| Net Cash Flow | 0.18 | -0.22 | 0.00 | 0.00 | 0.00 | 0.19 | -0.07 | -0.13 | 1.03 | -0.88 | -0.14 | |
| Free Cash Flow | 1.63 | 0.40 | 0.00 | 0.00 | 0.41 | 0.30 | 0.52 | 1.66 | -1.48 | 8.39 | 8.34 | |
| CFO/OP | 2,733% | 205% | 0% | 0% | 108% | -3,000% | 57% | 241% | -72% | -276% | 139% |
Ratios
Figures in Rs. Crores
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.78 | 0.71 | 0.00 |
| Inventory Days | 0.00 | 1,053.29 | 13.60 | 342.25 | ||||||||
| Days Payable | 358.05 | 21.84 | 0.94 | |||||||||
| Cash Conversion Cycle | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 696.02 | -7.52 | 341.31 |
| Working Capital Days | 4,434.75 | 12,750.25 | 6,498.20 | 17,763.33 | 22,470.31 | -247.46 | -162.22 | -20.93 | -20.88 | 203.99 | -2.49 | 57.81 |
| ROCE % | 1.18% | 1.55% | 1.90% | 1.24% | 0.65% | 2.90% | 0.67% | 4.04% | 2.71% | 5.57% | 3.97% | 4.28% |
Insights
In beta| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
|---|---|---|---|---|---|---|---|---|
| Gross Loan Assets INR Lakhs |
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| Interest Income (Operational) INR Lakhs |
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| Proposed Stock Options to Employees Number |
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| Total Permanent Employees Number |
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| Board Meetings Conducted Number |
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Documents
Announcements
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Announcement under Regulation 30 (LODR)-Newspaper Publication
19 May - In compliance with Regulation 30 of SEBI (LODR) Regulations, 2015, the Audited Financial Results of the company for the financial year ended March 31, 2026, …
-
Announcement under Regulation 30 (LODR)-Amendments to Memorandum & Articles of Association
16 May - Board approved new MOA and AOA on May 16, 2026, subject to shareholder approval.
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Re-Appointment Of Internal Auditor Of The Company
16 May - M/s. TRS & Co. reappointed internal auditor for FY 2026-27 from April 1, 2026.
- Audited Financial Result For The Financial Year Ended March 31, 2026 16 May
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Board Meeting Outcome for Outcome Of The Board Meeting Held On Saturday, May 16, 2026.
16 May - Board approved FY26 audited results, investment in Tirupati Supereco, capital reduction, and new AoA/MoA; auditor raised disclaimer.
Business Overview:[1]
a) TFL is an investment company which is in the business of underwriting, subscribing to, investing in, and acquiring a diverse range of financial instruments, including shares, debentures, bonds, units, and other negotiable securities.
b) It is engaged with Indian and private entities to manage and grow its investment portfolio.
c) In addition to investment activities, the company offers financial services, including acting as brokers, merchant bankers, commission agents, and advisors.
d) Company also manages investments in movable and immovable properties and advance funds secured by personal guarantees or various forms of property.
e) TFL invests capital (not amounting to Banking Business) beyond traditional banking operations secured by personal guarantees or a range of assets, including leasehold and freehold land, shares, securities, stocks, and other valuable properties.
f) It provides financial support to individuals, firms, and corporations, tailoring terms and conditions to meet the specific needs and circumstances of each client.