TCI Finance Ltd

TCI Finance Ltd

₹ 7.25 4.32%
27 May - close price
About

Incorporated in 1973, TCI Finance is a NBFC registered with the RBI. It offers various financial services like loan against shares, IP Valuation etc. [1]

Key Points

Services offered[1]
Loans against Securities, commercial vehicles finance, Patents Trademark & Copyright, IP valuations, Inter Corporate Deposits, Ecommerce Seller Funding and other financial products.

  • Market Cap 9.33 Cr.
  • Current Price 7.25
  • High / Low 7.25 / 2.70
  • Stock P/E
  • Book Value -49.2
  • Dividend Yield 0.00 %
  • ROCE %
  • ROE %
  • Face Value 10.0

Pros

  • Company has reduced debt.

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of -42.4% over past five years.
  • Promoter holding is low: 24.7%
  • Contingent liabilities of Rs.178 Cr.

* 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

Sector: Finance Industry: Finance & Investments

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
-0.98 0.60 0.97 0.01 2.95 0.00 0.00 0.00 0.00 0.23 0.42 0.00 0.00
8.79 0.15 0.26 0.15 34.83 0.19 0.30 0.23 0.24 0.32 0.26 0.31 0.38
Operating Profit -9.77 0.45 0.71 -0.14 -31.88 -0.19 -0.30 -0.23 -0.24 -0.09 0.16 -0.31 -0.38
OPM % 75.00% 73.20% -1,400.00% -1,080.68% -39.13% 38.10%
0.00 0.00 0.02 0.00 0.07 0.00 0.00 0.00 0.00 0.00 0.00 0.70 -0.04
Interest 0.42 0.39 0.37 0.39 0.38 0.37 0.38 0.62 0.16 0.19 0.14 0.12 0.07
Depreciation 0.01 0.00 0.01 0.01 0.01 0.00 0.01 0.01 0.00 0.00 0.00 0.00 0.00
Profit before tax -10.20 0.06 0.35 -0.54 -32.20 -0.56 -0.69 -0.86 -0.40 -0.28 0.02 0.27 -0.49
Tax % 4.80% 16.67% 214.29% 22.22% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
-9.71 0.05 -0.40 -0.42 -32.20 -0.56 -0.69 -0.86 -0.40 -0.28 0.02 0.27 -0.49
EPS in Rs -7.54 0.04 -0.31 -0.33 -25.01 -0.44 -0.54 -0.67 -0.31 -0.22 0.02 0.21 -0.38
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
9.45 15.57 13.41 11.26 12.36 11.75 10.29 4.23 4.25 4.53 0.00 0.65
0.87 1.13 0.60 1.11 1.23 1.10 1.89 52.58 9.75 35.40 0.96 1.26
Operating Profit 8.58 14.44 12.81 10.15 11.13 10.65 8.40 -48.35 -5.50 -30.87 -0.96 -0.61
OPM % 90.79% 92.74% 95.53% 90.14% 90.05% 90.64% 81.63% -1,143.03% -129.41% -681.46% -93.85%
0.56 0.48 0.32 0.21 1.73 0.03 1.19 0.00 0.00 0.09 0.00 0.65
Interest 8.50 7.89 4.94 8.04 8.56 8.60 6.07 3.92 2.24 1.53 1.53 0.52
Depreciation 0.01 0.01 0.01 0.03 0.03 0.02 0.02 0.02 0.03 0.02 0.02 0.00
Profit before tax 0.63 7.02 8.18 2.29 4.27 2.06 3.50 -52.29 -7.77 -32.33 -2.51 -0.48
Tax % -3.17% 20.37% 17.11% 13.54% 15.69% 18.45% 29.43% -0.06% 0.00% -1.98% 0.00% 0.00%
0.64 5.59 6.78 1.98 3.60 1.69 2.47 -52.32 -7.77 -32.97 -2.51 -0.48
EPS in Rs 0.50 4.34 5.27 1.54 2.80 1.31 1.92 -40.64 -6.04 -25.61 -1.95 -0.37
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: -27%
5 Years: -42%
3 Years: -47%
TTM: %
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: 25%
TTM: 83%
Stock Price CAGR
10 Years: -9%
5 Years: -14%
3 Years: 8%
1 Year: 164%
Return on Equity
10 Years: %
5 Years: %
3 Years: %
Last Year: %

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity Capital 14.20 14.20 14.20 14.20 14.20 14.20 14.20 14.20 14.20 14.20 14.20 14.20
Reserves 13.54 19.13 25.90 27.89 31.49 33.18 23.32 -57.27 -44.06 -60.94 -77.05 -77.56
53.25 24.23 52.11 59.01 54.01 49.87 34.26 27.49 25.35 22.82 11.49 7.42
2.08 0.67 0.58 0.92 2.06 3.11 68.10 85.33 87.96 86.86 97.53 83.49
Total Liabilities 83.07 58.23 92.79 102.02 101.76 100.36 139.88 69.75 83.45 62.94 46.17 27.55
2.00 0.67 0.79 0.73 0.54 0.52 1.28 1.29 1.27 1.25 1.24 1.24
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 29.33 49.37 49.53 49.49 49.51 49.47 101.00 23.55 47.25 42.84 26.09 23.86
51.74 8.19 42.47 51.80 51.71 50.37 37.60 44.91 34.93 18.85 18.84 2.45
Total Assets 83.07 58.23 92.79 102.02 101.76 100.36 139.88 69.75 83.45 62.94 46.17 27.55

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
1.27 38.17 -28.04 -12.64 3.16 3.25 14.41 -22.87 1.69 -22.60 9.80 3.73
1.48 -8.94 4.26 1.51 1.93 0.88 3.19 25.43 0.38 25.15 1.50 2.23
-2.75 -29.02 27.88 6.89 -4.99 -4.14 -17.71 -2.52 -2.14 -2.53 -11.33 -4.07
Net Cash Flow 0.00 0.21 4.11 -4.24 0.10 -0.02 -0.11 0.04 -0.07 0.02 -0.02 1.90

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Debtor Days 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Inventory Days
Days Payable
Cash Conversion Cycle 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Working Capital Days -154.11 104.55 1,010.35 1,587.72 1,410.09 1,392.90 -2,119.41 -7,099.81 -7,143.69 -5,226.03 -46,057.38
ROCE % 11.12% 21.52% 17.44% 10.50% 11.84% 10.83% 10.26% -172.14%

Shareholding Pattern

Numbers in percentages

Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024
24.72% 24.72% 24.30% 24.72% 24.72% 24.72% 24.72% 24.72% 24.72% 24.72% 24.72% 24.72%
75.28% 75.28% 75.70% 75.28% 75.28% 75.28% 75.28% 75.27% 75.28% 75.27% 75.27% 75.26%
No. of Shareholders 9,0249,0259,1179,5459,5619,5299,5229,4979,4529,4129,58710,542

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