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Tourism Finance Corporation of India Limited
(TFCILTD)
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Rating:63Neutral
Price Target:
₹168.00
▲(92.64% Upside)
Action:Downgraded
Date:08/20/26
The score is driven mainly by solid financial performance (strong profitability and improved leverage) but is held back by inconsistent cash-flow history. Technically, the stock is in a strong uptrend, yet very overbought momentum signals add near-term risk. Valuation is the largest negative factor due to a high P/E and low dividend yield.
Positive Factors
Revenue Recovery
Recent revenue recovery indicates improving demand for the company’s lending and financial assistance activities. If this progression continues, a larger loan and service base can support operating scale, reinforce market relevance, and provide a foundation for earnings growth over the coming quarters.
Negative Factors
Cash-Flow Volatility
Repeated periods of negative operating and free cash flow make earnings conversion less predictable, even though cash generation later improved. For a lender, inconsistent cash production can constrain reinvestment and capital allocation, and it reduces confidence that reported profitability will translate consistently into financial flexibility.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Recovery
Recent revenue recovery indicates improving demand for the company’s lending and financial assistance activities. If this progression continues, a larger loan and service base can support operating scale, reinforce market relevance, and provide a foundation for earnings growth over the coming quarters.
Read all positive factors
Tourism Finance Corporation of India Limited (TFCILTD) vs. iShares MSCI India ETF (INDA)
Market Cap
₹73.08B
Dividend Yield0.38%
Average Volume (3M)1.84M
Price to Earnings (P/E)47.4
Beta (1Y)1.27
Revenue Growth23.53%
EPS Growth41.42%
CountryIN
Employees46
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)3.33
Shares Outstanding462,977,230
10 Day Avg. Volume2,053,490
30 Day Avg. Volume1,841,164
Financial Highlights & Ratios
PEG Ratio1.24
Price to Book (P/B)2.24
Price to Sales (P/S)10.62
P/FCF Ratio23.66
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Tourism Finance Corporation of India Limited Business Overview & Revenue Model
Company Description
Tourism Finance Corporation of India Limited (TFCI) specializes in delivering comprehensive financial support for a broad spectrum of tourism-related initiatives and projects throughout India. The company's robust financial offerings include vario...
Tourism Finance Corporation of India Limited Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
70
Positive
Cash Flow
52
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 2.83B | 2.77B | 2.44B | 2.26B | 2.26B | 2.49B |
| Gross Profit | 1.76B | 1.83B | 1.69B | 1.52B | 1.73B | 1.87B |
| EBITDA | 1.63B | 1.56B | 1.63B | 1.51B | 1.56B | 1.78B |
| Net Income | 1.54B | 1.23B | 1.04B | 911.08M | 879.50M | 853.19M |
Balance Sheet | ||||||
| Total Assets | 24.34B | 24.12B | 21.02B | 21.06B | 20.45B | 22.45B |
| Cash, Cash Equivalents and Short-Term Investments | 675.40M | 676.18M | 3.37B | 335.50M | 3.75B | 3.60B |
| Total Debt | 10.23B | 10.78B | 8.62B | 9.78B | 9.99B | 12.72B |
| Total Liabilities | 10.57B | 10.97B | 8.86B | 10.16B | 10.28B | 13.08B |
| Stockholders Equity | 13.76B | 13.15B | 12.16B | 10.90B | 10.17B | 9.37B |
Cash Flow | ||||||
| Free Cash Flow | -514.43M | 1.24B | 696.92M | -70.62M | -1.37B | 1.37B |
| Operating Cash Flow | -514.20M | 1.24B | 703.36M | -66.37M | -1.37B | 1.39B |
| Investing Cash Flow | -209.00K | -3.96B | 122.22M | -2.02M | -109.00K | -20.91M |
| Financing Cash Flow | -279.76M | 1.87B | 260.16M | -220.42M | -116.58M | 566.26M |
Tourism Finance Corporation of India Limited Technical Analysis
Positive
87.21
Price Trends
144.53
Positive
116.63
Positive
93.23
Positive
Market Momentum
4.45
Positive
60.94
Neutral
86.21
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:TFCILTD, the sentiment is Positive. The current price of 87.21 is below the 20-day moving average (MA) of 151.89, below the 50-day MA of 144.53, and below the 200-day MA of 93.23, indicating a bullish trend. The MACD of 4.45 indicates Positive momentum. The RSI at 60.94 is Neutral, neither overbought nor oversold. The STOCH value of 86.21 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:TFCILTD.
Tourism Finance Corporation of India Limited Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
63 Neutral | ₹73.08B | 47.42 | ― | 0.38% | 23.53% | 41.42% | |
62 Neutral | ₹225.36B | 9.01 | ― | 0.76% | 36.50% | 190.08% | |
59 Neutral | ₹612.82B | 17.89 | ― | 1.12% | 17.30% | 26.39% | |
58 Neutral | ₹44.29B | 10.64 | ― | 0.82% | 22.71% | 23.45% | |
57 Neutral | ₹285.87B | 6.73 | ― | 5.05% | 21.01% | 52.98% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
51 Neutral | ₹147.24B | 85.42 | ― | 7.28% | -2.70% | -45.62% |
* General Sector Average
IN:TFCILTD
Tourism Finance Corporation of India Limited
157.85
88.34
127.10%
IN:HUDCO
Housing & Urban Development Corp. Ltd.
142.80
-87.11
-37.89%
IN:IFCI
IFCI Limited
54.65
-2.69
-4.69%
IN:IIFL
IIFL Finance Limited
528.00
-8.23
-1.54%
IN:LTF
L&T Finance Ltd
244.50
-32.40
-11.70%
IN:MASFIN
MAS Financial Services Ltd.
244.10
-74.17
-23.31%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.