TCI Finance Ltd

TCI Finance Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

TCI Finance Ltd

₹ 19.4 -1.97%
27 Dec 11:57 a.m.
tcifl.in BSE: 501242 NSE: TCIFINANCE
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.

Website BSE NSE - BE
  • Market Cap ₹ 24.9 Cr.
  • Current Price ₹ 19.4
  • High / Low ₹ 20.2 / 4.10
  • Stock P/E 5.94
  • Book Value ₹ 40.1
  • Dividend Yield 0.00 %
  • ROCE 12.4 %
  • ROE 8.54 %
  • Face Value ₹ 10.0
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Pros

  • Company has reduced debt.
  • Stock is trading at 0.48 times its book value
  • Market value of investments Rs.70.8 Cr. is more than the Market Cap Rs.24.9 Cr.

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of -5.76% over past five years.
  • Promoter holding is low: 24.7%
  • Company has a low return on equity of 6.32% over last 3 years.
  • Contingent liabilities of Rs.343 Cr.
  • Company's cost of borrowing seems high

* 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

Consolidated Figures in Rs. Crores / View Standalone

Operating Profit
OPM %
Interest
Depreciation
Profit before tax
Tax %
EPS in Rs
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2008 Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
2.51 5.37 11.81 11.50 11.24 10.52 16.63 14.62 12.66 13.80 13.01 12.36
2.58 1.41 4.77 5.43 3.47 2.01 2.15 1.79 2.54 2.61 2.36 2.31
Operating Profit -0.07 3.96 7.04 6.07 7.77 8.51 14.48 12.83 10.12 11.19 10.65 10.05
OPM % -2.79% 73.74% 59.61% 52.78% 69.13% 80.89% 87.07% 87.76% 79.94% 81.09% 81.86% 81.31%
0.86 1.72 1.55 8.20 3.20 0.65 0.48 0.37 0.23 1.74 0.04 2.03
Interest 0.72 5.48 8.16 10.33 10.78 8.50 7.80 4.94 8.04 8.56 8.60 6.07
Depreciation 0.71 0.44 0.15 0.06 0.05 0.05 0.04 0.04 0.07 0.06 0.04 0.03
Profit before tax -0.64 -0.24 0.28 3.88 0.14 0.61 7.12 8.22 2.24 4.31 2.05 5.98
Tax % -9.38% -50.00% 185.71% 0.77% 78.57% -4.92% 20.37% 17.03% 13.39% 15.31% 18.54% 17.39%
-0.58 -1.04 -0.79 3.76 0.03 0.65 5.67 6.82 1.94 3.64 1.67 4.94
EPS in Rs -0.44 -0.76 -0.61 2.92 0.02 0.50 4.40 5.30 1.51 2.83 1.30 3.84
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: 9%
5 Years: -6%
3 Years: -1%
TTM: -5%
Compounded Profit Growth
10 Years: 21%
5 Years: -6%
3 Years: 33%
TTM: 152%
Stock Price CAGR
10 Years: -8%
5 Years: 18%
3 Years: 41%
1 Year: 399%
Return on Equity
10 Years: 6%
5 Years: 8%
3 Years: 6%
Last Year: 9%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2008 Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
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 10.08 9.10 8.30 12.07 12.10 12.75 18.42 25.22 27.16 30.80 32.47 37.45
9.41 34.76 59.75 70.50 56.00 53.25 24.23 52.11 59.01 54.01 49.87 31.31
3.00 1.79 2.35 3.07 2.00 2.39 1.13 0.81 1.06 2.28 3.35 3.92
Total Liabilities 36.69 59.85 84.60 99.84 84.30 82.59 57.98 92.34 101.43 101.29 99.89 86.88
2.97 2.42 2.26 2.24 2.18 2.14 0.82 0.89 0.81 0.61 0.57 1.28
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 24.71 23.59 21.22 28.08 28.08 28.08 48.12 48.28 48.24 48.26 48.22 47.92
9.01 33.84 61.12 69.52 54.04 52.37 9.04 43.17 52.38 52.42 51.10 37.68
Total Assets 36.69 59.85 84.60 99.84 84.30 82.59 57.98 92.34 101.43 101.29 99.89 86.88

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2008 Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
-0.52 -1.39 -0.06 -6.77 4.42 1.11 38.64 -28.03 -12.71 3.17 3.27 15.07
-3.11 -24.03 -24.65 -3.43 9.34 1.50 -9.00 4.18 1.37 1.90 0.87 3.19
3.70 25.35 24.99 10.75 -14.50 -2.80 -28.97 27.90 6.89 -4.99 -4.14 -18.56
Net Cash Flow 0.07 -0.07 0.28 0.55 -0.74 -0.19 0.67 4.05 -4.45 0.09 -0.01 -0.30

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2008 Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
Debtor Days 16.00 4.76 21.63 57.13 11.37 23.25 8.12 7.99 8.36 10.05 10.38 0.00
Inventory Days
Days Payable
Cash Conversion Cycle 16.00 4.76 21.63 57.13 11.37 23.25 8.12 7.99 8.36 10.05 10.38 0.00
Working Capital Days 846.33 2,164.85 1,802.44 1,071.51 -90.60 -131.84 92.40 927.98 1,417.91 1,270.09 1,265.02 908.07
ROCE % 11.53% 11.93% 11.91% 10.93% 11.14% 21.77% 17.66% 10.53% 11.97% 10.89% 12.42%

Shareholding Pattern

Numbers in percentages

Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
24.30% 24.72% 24.72% 24.72% 24.72% 24.72% 24.72% 24.72% 24.72% 24.72% 24.72% 24.72%
75.70% 75.28% 75.28% 75.28% 75.28% 75.27% 75.28% 75.27% 75.27% 75.26% 75.27% 75.28%
No. of Shareholders 9,1179,5459,5619,5299,5229,4979,4529,4129,58710,54212,18215,471

Documents

Announcements

Annual reports