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TFCI

Tourism Finance Corporation of India NSEI:TFCILTD Stock Report

Last Price

₹50.95

Market Cap

₹4.6b

7D

11.4%

1Y

-35.3%

Updated

27 Jun, 2022

Data

Company Financials
TFCILTD fundamental analysis
Snowflake Score
Valuation2/6
Future Growth0/6
Past Performance4/6
Financial Health3/6
Dividends4/6

TFCILTD Stock Overview

Tourism Finance Corporation of India Limited provides financial assistance to tourism-related activities/projects in India.

Tourism Finance Corporation of India Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Tourism Finance Corporation of India
Historical stock prices
Current Share Price₹50.95
52 Week High₹83.35
52 Week Low₹45.00
Beta0.80
1 Month Change-5.39%
3 Month Change-15.23%
1 Year Change-35.26%
3 Year Change-53.51%
5 Year Change-49.95%
Change since IPO570.40%

Recent News & Updates

Shareholder Returns

TFCILTDIN Diversified FinancialIN Market
7D11.4%2.3%4.1%
1Y-35.3%-10.8%-0.02%

Return vs Industry: TFCILTD underperformed the Indian Diversified Financial industry which returned -11.7% over the past year.

Return vs Market: TFCILTD underperformed the Indian Market which returned -0.9% over the past year.

Price Volatility

Is TFCILTD's price volatile compared to industry and market?
TFCILTD volatility
TFCILTD Average Weekly Movement5.9%
Diversified Financial Industry Average Movement7.2%
Market Average Movement6.9%
10% most volatile stocks in IN Market9.9%
10% least volatile stocks in IN Market4.5%

Stable Share Price: TFCILTD is not significantly more volatile than the rest of Indian stocks over the past 3 months, typically moving +/- 6% a week.

Volatility Over Time: TFCILTD's weekly volatility (6%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
198941n/ahttps://www.tfciltd.com

Tourism Finance Corporation of India Limited provides financial assistance to tourism-related activities/projects in India. The company offers rupee term loans, project loans, corporate loans, loans against securities, bridge loans, subscription in equity shares/debentures, etc.; structured solutions to corporate clients; advisory/investment solutions to manage, leverage, and enhance capital structure by various offerings, such as convertible preference shares, mezzanine loans, venture capital debt, convertible bonds, etc.; and structured finance, PE placement, mergers and acquisitions, project and infrastructure finance, debt syndication, and debt restructuring services. It also provides research and consultancy services; financial assistance to greenfield, as well as for expansion, diversification, and modernization projects; and financial assistance for small and medium businesses.

Tourism Finance Corporation of India Fundamentals Summary

How do Tourism Finance Corporation of India's earnings and revenue compare to its market cap?
TFCILTD fundamental statistics
Market Cap₹4.61b
Earnings (TTM)₹853.10m
Revenue (TTM)₹1.28b

5.4x

P/E Ratio

3.6x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
TFCILTD income statement (TTM)
Revenue₹1.28b
Cost of Revenue₹0
Gross Profit₹1.28b
Other Expenses₹430.56m
Earnings₹853.10m

Last Reported Earnings

Mar 31, 2022

Next Earnings Date

n/a

Earnings per share (EPS)9.44
Gross Margin100.00%
Net Profit Margin66.46%
Debt/Equity Ratio135.8%

How did TFCILTD perform over the long term?

See historical performance and comparison

Dividends

2.4%

Current Dividend Yield

13%

Payout Ratio
We’ve recently updated our valuation analysis.

Valuation

Is TFCILTD undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • PEG Ratio

Key Valuation Metric

Which metric is best to use when looking at relative valuation for TFCILTD?

Other financial metrics that can be useful for relative valuation.

TFCILTD key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ration/a

Price to Earnings Ratio vs Peers

How does TFCILTD's PE Ratio compare to its peers?

TFCILTD PE Ratio vs Peers
The above table shows the PE ratio for TFCILTD vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average89.7x
530067 CSL Finance
10.5xn/a₹3.5b
511724 Baid Leasing and Finance
30.2xn/a₹2.7b
533344 India Financial Services
17.4xn/a₹8.9b
537800 Mangalam Industrial Finance
300.7xn/a₹4.0b
TFCILTD Tourism Finance Corporation of India
5.4xn/a₹4.6b

Price-To-Earnings vs Peers: TFCILTD is good value based on its Price-To-Earnings Ratio (5.4x) compared to the peer average (89.7x).


Price to Earnings Ratio vs Industry

How does TFCILTD's PE Ratio compare vs other companies in the IN Diversified Financial Industry?

Price-To-Earnings vs Industry: TFCILTD is good value based on its Price-To-Earnings Ratio (5.4x) compared to the Indian Diversified Financial industry average (19x)


Price to Earnings Ratio vs Fair Ratio

What is TFCILTD's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

TFCILTD PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio5.4x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate TFCILTD's Price-To-Earnings Fair Ratio for valuation analysis.


Share Price vs Fair Value

What is the Fair Price of TFCILTD when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: TFCILTD (₹50.95) is trading above our estimate of fair value (₹37.1)

Significantly Below Fair Value: TFCILTD is trading above our estimate of fair value.


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate TFCILTD's PEG Ratio to determine if it is good value.


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Future Growth

How is Tourism Finance Corporation of India forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

Future Growth Score

0/6

Future Growth Score 0/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


17.7%

Forecasted Diversified Financials industry annual growth in earnings

In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Tourism Finance Corporation of India has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


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Past Performance

How has Tourism Finance Corporation of India performed over the past 5 years?

Past Performance Score

4/6

Past Performance Score 4/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


2.4%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: TFCILTD has high quality earnings.

Growing Profit Margin: TFCILTD's current net profit margins (66.5%) are higher than last year (62.6%).


Past Earnings Growth Analysis

Earnings Trend: TFCILTD's earnings have grown by 2.4% per year over the past 5 years.

Accelerating Growth: TFCILTD's earnings growth over the past year (5.7%) exceeds its 5-year average (2.4% per year).

Earnings vs Industry: TFCILTD earnings growth over the past year (5.7%) underperformed the Diversified Financial industry 24.4%.


Return on Equity

High ROE: TFCILTD's Return on Equity (9.1%) is considered low.


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Financial Health

How is Tourism Finance Corporation of India's financial position?

Financial Health Score

3/6

Financial Health Score 3/6

  • Short Term Liabilities

  • Long Term Liabilities

  • Debt Level

  • Reducing Debt

  • Debt Coverage

  • Interest Coverage

Financial Position Analysis

Short Term Liabilities: TFCILTD's short term assets (₹20.4B) exceed its short term liabilities (₹25.4M).

Long Term Liabilities: TFCILTD's short term assets (₹20.4B) exceed its long term liabilities (₹13.1B).


Debt to Equity History and Analysis

Debt Level: TFCILTD's net debt to equity ratio (113.2%) is considered high.

Reducing Debt: TFCILTD's debt to equity ratio has reduced from 189.4% to 135.8% over the past 5 years.

Debt Coverage: TFCILTD's debt is not well covered by operating cash flow (10.9%).

Interest Coverage: Insufficient data to determine if TFCILTD's interest payments on its debt are well covered by EBIT.


Balance Sheet


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Dividend

What is Tourism Finance Corporation of India current dividend yield, its reliability and sustainability?

Dividend Score

3/6

Dividend Score 3/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


2.35%

Current Dividend Yield

Dividend Yield vs Market

Notable Dividend: TFCILTD's dividend (2.35%) is higher than the bottom 25% of dividend payers in the Indian market (0.43%).

High Dividend: TFCILTD's dividend (2.35%) is in the top 25% of dividend payers in the Indian market (1.89%)


Stability and Growth of Payments

Stable Dividend: TFCILTD's dividend payments have been volatile in the past 10 years.

Growing Dividend: TFCILTD's dividend payments have not increased over the past 10 years.


Earnings Payout to Shareholders

Earnings Coverage: With its low payout ratio (12.7%), TFCILTD's dividend payments are thoroughly covered by earnings.


Cash Payout to Shareholders

Cash Flow Coverage: With its low cash payout ratio (7.9%), TFCILTD's dividend payments are thoroughly covered by cash flows.


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Management

How experienced are the management team and are they aligned to shareholders interests?

6.8yrs

Average management tenure


CEO

Tourism Finance Corporation of India has no CEO, or we have no data on them.


Leadership Team

Experienced Management: TFCILTD's management team is seasoned and experienced (6.8 years average tenure).


Board Members

Experienced Board: TFCILTD's board of directors are considered experienced (3.7 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 12%.


Top Shareholders

Company Information

Tourism Finance Corporation of India Limited's employee growth, exchange listings and data sources


Key Information

  • Name: Tourism Finance Corporation of India Limited
  • Ticker: TFCILTD
  • Exchange: NSEI
  • Founded: 1989
  • Industry: Specialized Finance
  • Sector: Diversified Financials
  • Implied Market Cap: ₹4.614b
  • Shares outstanding: 90.37m
  • Website: https://www.tfciltd.com

Number of Employees


Location

  • Tourism Finance Corporation of India Limited
  • NBCC Plaza
  • 4th Floor, Tower–1
  • New Delhi
  • Delhi
  • 110017
  • India

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/06/27 00:00
End of Day Share Price2022/06/27 00:00
Earnings2022/03/31
Annual Earnings2022/03/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.