Tourism Finance Corporation of India Ltd

₹139.9▲ +1.05%28 Sept

📊 Stock Analysis

Market Data

Market Cap₹6,477.05 Cr.

52W High₹148

Current Price₹139.9

52W Low₹51.2

Down from 52W High5.5 %

Face Value₹10

Performance

ROCE9.18 %

ROE9.12 %

EPS (TTM)₹2.03

EPS Prev Qtr₹2.18

EPS Last Year₹2.48

EBITDA Qtr₹24.36 Cr.

Book Value₹20

Financial Health

Debt/Equity1.36

Debt/Profit14.88

Total Assets₹2,244.53 Cr.

Dividend Yield0.86 %

Promoter Holding3.85 %

Earning Power4.72 %

Valuation

Stock P/E75.62

Industry P/E18.22

Price to Book6.91

Price to Sales27.89

Graham Number₹29.03

Key Metrics

Book Value

₹28.18

Capital Adequacy %

57.13%

Debt/Equity

0.75

Face Value

₹2

Gross NPA %

0.41%

Loan Book

₹2,088 Cr

Net Interest Income

₹41.56 Cr

Provision Coverage %

100%

About Tourism Finance Corporation of India Ltd

Financial Services · Finance

Tourism Finance Corporation of India Ltd is listed on NSE in the Financial Services / Finance sector. Face value ₹10. Market cap ₹6,477.05 Cr.

Price Chart

Strengths & Weaknesses

Strengths

Capital Adequacy Ratio of 57.13% indicates a strong capital base for lending activities.
Gross NPA of 0.41% reflects excellent asset quality with minimal bad loans.
Provision Coverage Ratio at 100% shows all potential losses are fully covered by provisions.
Net Interest Income of ₹41.56 Cr demonstrates robust core banking revenue generation.

Weaknesses

Debt to Equity ratio of 1.36 indicates significant leverage which increases financial risk.
ROCE of 9.18% and ROE of 9.12% suggest moderate efficiency in generating returns on capital.
Dividend Yield of 0.84% is relatively low, indicating limited income potential for investors.

Peer Comparison

Name	CMP	P/E	Market Cap	Div Yield	NP Qtr	Qtr Profit Var%	Sales Qtr	Qtr Sales Var%	ROCE%	Debt/Eq
Bajaj Finance Ltd	-	30.16	₹6,13,256.5 Cr	0.61%	₹20,647.67 Cr	-	₹85,963.63 Cr	-	10.43%	3.82
Bajaj Finserv Ltd	-	27.52	₹2,80,096.25 Cr	0.09%	₹20,636.97 Cr	-	₹1,57,641.68 Cr	-	11.43%	5.5
Shriram Finance Ltd	-	17.28	₹2,30,350.39 Cr	1.1%	₹11,295.71 Cr	-	₹49,997.06 Cr	-	11.48%	3.8
ICICI Prudential Asset Management Co Ltd	-	31.77	₹1,58,506.24 Cr	-	₹3,485.73 Cr	-	₹6,040.44 Cr	-	111.52%	0
Jio Financial Services Ltd	-	68.4	₹1,45,434.19 Cr	0.27%	₹2,066.49 Cr	-	₹4,905.27 Cr	-	2.33%	0.17
Cholamandalam Investment & Finance Company Ltd	-	24.17	₹1,39,794.37 Cr	0.12%	₹5,751 Cr	-	₹32,662.59 Cr	-	9.35%	6.93
Tata Capital Ltd	-	25.45	₹1,39,274.15 Cr	0.17%	₹5,478.16 Cr	-	₹32,695.45 Cr	-	8.42%	5.28
Bajaj Holdings & Investment Ltd	-	13.63	₹1,20,749.01 Cr	1.8%	₹8,993.16 Cr	-	₹1,139.25 Cr	-	12.4%	0
Muthoot Finance Ltd	-	9.76	₹1,11,046.18 Cr	1.08%	₹11,457.46 Cr	-	₹33,430.7 Cr	-	14.43%	3.88
Power Finance Corporation Ltd	-	4.18	₹1,08,952.86 Cr	5.62%	₹33,641.82 Cr	-	₹1,15,431.43 Cr	-	9.81%	7.62
SBI Funds Management Ltd	-	-	₹1,06,475.16 Cr	-	-	-	-	-	-	0
Aditya Birla Capital Ltd	-	25.05	₹1,04,186.93 Cr	-	₹4,118.85 Cr	-	₹48,185.84 Cr	-	8.39%	5.2
Indian Railway Finance Corporation Ltd	-	14.28	₹1,02,653.11 Cr	1.34%	₹7,190.69 Cr	-	₹28,630.42 Cr	-	5.78%	7.69
HDFC Asset Management Company Ltd	-	26.91	₹98,766 Cr	2.34%	₹2,947.64 Cr	-	₹4,253.73 Cr	-	41.46%	0
REC Ltd	-	4.99	₹79,918.35 Cr	6.11%	₹16,035.21 Cr	-	₹59,202.49 Cr	-	9.42%	6.09
L&T Finance Ltd	-	22.07	₹70,266.92 Cr	0.98%	₹3,198.02 Cr	-	₹18,897.97 Cr	-	8.23%	3.93
Nippon Life India Asset Management Ltd	-	42.74	₹70,191.49 Cr	1.96%	₹1,635.54 Cr	-	₹2,869 Cr	-	45.49%	0
Bajaj Housing Finance Ltd	-	25.54	₹68,733.43 Cr	-	₹2,692.32 Cr	-	₹11,604.2 Cr	-	8.35%	4.6
SBI Cards & Payment Services Ltd	-	24.73	₹56,249.93 Cr	0.42%	₹2,275.15 Cr	-	₹20,063.29 Cr	-	10.14%	2.8
HDB Financial Services Ltd	-	23.24	₹52,882.54 Cr	0.16%	₹2,175.9 Cr	-	₹16,300.3 Cr	-	9.03%	5.52

Quarterly Results

	Mar 2022	Jun 2022	Sep 2022	Dec 2022
Sales	60.79	62.78	57.64	51
↳ QoQ Growth	-	+3.3%	-8.2%	-11.5%
Expenses	32.25	31.33	35.98	26.64
Operating Profit	28.54	31.44	21.66	24.36
OPM %	46.95%	50.08%	37.58%	47.76%
Other Income	0.02	0.04	0.03	0.02
Interest	27.03	25.94	22.43	21.18
Depreciation	0.42	0.43	0.47	0.41
EBITDA	28.96	31.87	22.13	24.77
EBITDA Margin %	47.64%	50.76%	38.39%	48.57%
Profit Before Tax	28.56	31.48	21.69	24.38
Tax %	21.46%	20.65%	9.22%	24.61%
Net Profit	22.43	24.98	19.69	18.38
↳ QoQ Growth	-	+11.4%	-21.2%	-6.7%
EPS	2.48	2.78	2.18	2.03

Balance Sheet

	Mar 2021	Mar 2022	Mar 2023
Equity Capital	80.72	90.3724	90.37
Reserves	710.87	846.5407	883.17
Borrowings	1359.61	1272.24	920.24
Other Liabilities	33.66	35.38	55.07
Total Liabilities	2184.86	2244.5298	1948.85
Fixed Assets	16.49	17.1211	15.79
CWIP	0	0	0
Investments	158.72	165.34	360.72
Other Assets	2009.65	2062.07	1572.34
Total Assets	2184.86	2244.5298	1948.85

Cash Flows

	Mar 2022
Cash from Operating Activity	138.7977
Cash from Investing Activity	-2.0911
Cash from Financing Activity	56.6259
Net Cash Flow	193.3325

Shareholding Pattern

	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Promoters %	3.85%	3.85%	3.85%	3.85%
FIIs %	4.61%	4.34%	2.76%	5.46%
DIIs %	0.08%	0.01%	0.06%	0%
Public %	38.16%	47.22%	40.75%	38.66%
No. of Shareholders	71,558	71,446	76,029	74,382