Tourism Finance Corporation Of India Ltd.

NSE: TFCILTD BSE: 526650 SECTOR: Finance Term Lending  14k   81   14

69.65
+3.20 (4.82%)
NSE: 07 Oct 03:58 PM

Price Summary

Today's High

₹ 72.75

Today's Low

₹ 65.65

52 Week High

₹ 78

52 Week Low

₹ 45

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationFair
The stock’s market price justifies its intrinsic value.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

629.44 Cr.

Advances

1804.35 Cr.

No. of Shares

9.04 Cr.

P/E

7.06

P/B

0.65

Face Value

₹ 10

Div. Yield

1.72 %

Book Value (TTM)

₹  106.44

Operating Revenue

257.73 Cr.

Net Profit

85.32 Cr.

Promoter Holding

28.43 %

EPS (TTM)

₹  9.86

Sales Growth

-0.28

ROE

9.87 %

ROCE

10.46%

Profit Growth

5.66 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

Your Added Ratios

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.
* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

View Full Peer Comparison
* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

Track the companies of Group.

Ratios

Income Growth

1 Year-0.28%
3 Year3.84%
5 Year4.41%

Profit Growth

1 Year5.66%
3 Year-0.36%
5 Year3.91%

ROE%

1 Year9.87%
3 Year10.4%
5 Year11.19%

ROCE %

1 Year10.46%
3 Year10.42%
5 Year10.68%

ROA%

3.48681100385171

PEG Ratio

NA

PAT Margin (%)

33.1041512353523

EPS Growth(%)

NA

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Jun 2022 28.43 0
Mar 2022 28.43 0
Dec 2021 28.43 0
Sep 2021 27.25 0
Jun 2021 27.25 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • Company has maintained a good ROA of 3.34360673265741% in last 3 years.
  • The company is trading at 0.579199582905976 times the book value

 Limitations

  • Promoters shareholding is low at 28.43%.
  • The company has delivered poor profit growth of 3.83553702776969% over past 3 years
  • The company has delivered poor Operating Income growth of 3.83553702776969% over past 3 years.
  • Provision and contingencies have increased by 108.399800598205%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022
Operating Revenue 65.91 65.7 61.79 60.79 62.78
Other Income 0.01 0.02 0.07 0.02 0.04
Interest Expended 31.82 32.04 29.16 27.03 25.94
Operating Expenses 7.37 6.1 6.64 4.79 4.97
Total Provisions 0 0 0 0 0
Depreciation 0.29 0.33 0.43 0.43 0.43
Profit Before Tax 26.45 27.25 25.64 28.57 31.48
Tax 5.25 5.6 5.6 6.13 6.5
Net Profit 21.2 21.65 20.04 22.43 24.98

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Operating Income 223.62 230.21 275.64 258.45 257.73
Other Income 0.27 6.35 2.91 0.05 0.13
Interest 96.45 104.35 120.72 130.12 120.04
Operating Expenses 18.61 16.36 21.29 25.22 24.26
Total Provisions 1.85 2.21 39.09 3.31 5.65
Exceptional Items 0 0 0 0 0
Profit Before Tax 106.98 113.64 97.45 99.85 107.9
Tax 29.5 27.39 16.43 19.11 22.58
Profit After Tax 77.48 86.25 81.02 80.75 85.32
Adjusted EPS (Rs.) 9.6 10.69 10.04 10 9.44

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Equity and Liabilities
Share Capital 80.72 80.72 80.72 80.72 90.37
Total Reserves 597.47 656.2 672.81 710.91 846.59
Borrowings 1088.55 1293.21 1396.95 1299.61 1192.24
Other N/C liabilities 241.6 264.56 280.99 300.1 164.25
Current liabilities 250.42 60.56 93.31 93.65 115.37
Total Liabilities 2258.76 2355.24 2524.78 2484.98 2408.81
Assets
Loans 1508.28 1643.41 1759.04 1941.86 1804.35
Net Block 14.69 14.35 17.5 16.5 16.9
Capital WIP 0 0 0 0 0
Intangible WIP 0 0 0 0 0.22
Investments 212.73 259.92 210.2 148.8 153.05
Other Loans 276.38 293.43 309.1 328.55 190.12
Other N/C Assets 0 0 0 0 0
Current Assets 246.67 144.12 228.93 49.29 244.18
Total Assets 2258.76 2355.24 2524.78 2484.98 2408.81
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Jun 2021% Sep 2021% Dec 2021% Mar 2022% Jun 2022%
Promoters 27.25 27.25 28.43 28.43 28.43
india opportunitie... - - - - -
koppara sajeeve th... - - - - -
india opportunitie... - - - - -
pransatree holding... - - - - -
life insurance cor... 5.72 5.72 5.72 5.72 -
life insurance cor... - - - - 4.92
pransatree holding... - - - - -
lici asm non par - - - - -
tamaka capital (ma... - - - - -
ifci ltd - - - - 2.09
ifci 2.09 2.09 2.09 2.09 -
the oriental insur... 1.07 1.07 1.07 1.07 1.07
PARTICULARS Jun 2021% Sep 2021% Dec 2021% Mar 2022% Jun 2022%
Investors 72.75 72.75 71.57 71.57 71.57
redkite capital pr... 13.27 8.33 13.27 13.27 13.27
rajasthan global s... 6.49 2.37 3.77 5.78 6.91
centrum financial ... - 4.94 - - -
nomura singapore l... - - - - 2.27
varanium india opp... 2.53 - - - 2.80
nikita aditya mund... 4.51 3.66 3.66 - 4.60
nomura singapore l... - - - - -
anant ghanshyam mu... - - - 4.08 -
india opportunitie... 4.00 4.00 4.00 4.00 -
india opportunitie... - - - - 4.00
vivek mundra - - - - -
max medisupport llp - - - - -
alpana mundra - - - - -
the indiaman fund ... - - - - -
connecor investmen... - - - - -
rajasthan global s... - - - - -
koppara sajeeve th... 2.54 - 2.54 2.54 2.54
koppara sanjeeve t... - 2.54 - - -
prime india opport... - - 2.43 2.48 -
nomura singapore l... 2.27 - 1.19 2.27 -
gkk capital market... - - - - -
gkk capital market... - - - - -
vivek mundra (huf) - - - - -
vivek mundra huf - - - - -
dishant milanbhai ... - - - - -
polus global fund 1.30 1.55 1.30 1.30 1.30
il and fs securiti... - - - - 1.35
indian syntans inv... 1.24 1.34 1.24 1.24 1.24
trilok chand goyal 1.29 - - - 1.31
iepf - - - - -
tradelink exim ind... 1.01 1.01 1.01 1.01 1.01

Annual Reports

Ratings & Research Reports

Company Presentations

  • PresentationQ4FY22 27 May 2022
  • PresentationQ2FY22 22 Nov 2021
  • PresentationQ3FY22 17 Feb 2022
  • PresentationQ1FY22 17 Aug 2021
  • PresentationQ2FY21 12 Nov 2020
  • PresentationQ1FY21 12 Nov 2020
  • PresentationQ3FY21 11 Feb 2021

Tourism Finance Corp Stock Price Analysis and Quick Research Report. Is Tourism Finance Corp an attractive stock to invest in?

 

Around 2% of India's total population invests in financial assets. The penetration of the mutual fund industry in India is close to 7% (Based on the number of PAN cardholders). This under penetration of the mutual fund industry offers a huge opportunity for the industry to grow.

Migration to financial savings, wider distribution and sustainable performance are expected to enable growth in the industry.

Also, increasing financial literacy among investors, digitization and the number of mediums available tend to attract more investors to invest in the financial markets.

To understand the functions of the Tourism Finance Corp better, you must go through the following points:

Key Financials –

  • Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of the company is Rs 85.3187 Cr and the compounded growth of profit in the past 3 years is -0.361799974131682 %. The PAT margin of Tourism Finance Corp is 33.1041512353523 %.

  • EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In Tourism Finance Corp , the EPS declined by -5.62786141266319 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): The Company has a poor ROE track record. The ROE of Tourism Finance Corp is at 9.87150647824591 % for the latest year.

  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of Tourism Finance Corp is worth at the current levels at Rs 69.65. The stock is trading at a current P/E ratio of 6.36068977205322 and the average historical P/E for the last 5 years was 8.57321663607556.

  • P/B ratio can be one of the best metrics to value such companies. Currently, Tourism Finance Corp is trading at a P/B of 0.652 . The average historical P/B for the last 5 years was 0.936599739382138. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

Brief about Tourism Finance Corp

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