Tourism Finance Corporation of India Limited
Tourism Finance Corporation of India Limited Fundamental Analysis
Tourism Finance Corporation of India Limited (TFCILTD.NS) shows moderate financial fundamentals with a PE ratio of 28.56, profit margin of 44.72%, and ROE of 9.74%. The company generates $2.7B in annual revenue with moderate year-over-year growth of 8.40%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 45.7/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze TFCILTD.NS's fundamental strength across five key dimensions:
Efficiency Score
WeakTFCILTD.NS struggles to generate sufficient returns from assets.
Valuation Score
WeakTFCILTD.NS trades at a premium to fair value.
Growth Score
ExcellentTFCILTD.NS delivers strong and consistent growth momentum.
Financial Health Score
ModerateTFCILTD.NS shows balanced financial health with some risks.
Profitability Score
WeakTFCILTD.NS struggles to sustain strong margins.
Key Financial Metrics
Is TFCILTD.NS Expensive or Cheap?
P/E Ratio
TFCILTD.NS trades at 28.56 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, TFCILTD.NS's PEG of 3.47 indicates potential overvaluation.
Price to Book
The market values Tourism Finance Corporation of India Limited at 2.71 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 13.33 times EBITDA. This signals the market has high growth expectations.
How Well Does TFCILTD.NS Make Money?
Net Profit Margin
For every $100 in sales, Tourism Finance Corporation of India Limited keeps $44.72 as profit after all expenses.
Operating Margin
Core operations generate 65.05 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $9.74 in profit for every $100 of shareholder equity.
ROA
Tourism Finance Corporation of India Limited generates $5.40 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Tourism Finance Corporation of India Limited generates limited operating cash flow of $0.00, signaling weaker underlying cash strength.
Free Cash Flow
Tourism Finance Corporation of India Limited generates weak or negative free cash flow of $0.00, restricting financial flexibility.
FCF Per Share
Each share generates $0.00 in free cash annually.
FCF Yield
TFCILTD.NS converts 0.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
28.56
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
3.47
vs 25 benchmark
P/B Ratio
Price to book value ratio
2.71
vs 25 benchmark
P/S Ratio
Price to sales ratio
12.77
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.75
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.10
vs 25 benchmark
ROA
Return on assets percentage
0.05
vs 25 benchmark
ROCE
Return on capital employed
0.08
vs 25 benchmark
How TFCILTD.NS Stacks Against Its Sector Peers
| Metric | TFCILTD.NS Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 28.56 | 19.09 | Worse (Expensive) |
| ROE | 9.74% | 843.00% | Weak |
| Net Margin | 44.72% | 3730.00% | Weak |
| Debt/Equity | 0.75 | 0.90 | Neutral |
| Current Ratio | 0.00 | 661.68 | Weak Liquidity |
| ROA | 5.40% | -21651.00% (disorted) | Weak |
TFCILTD.NS outperforms its industry in 0 out of 6 key metrics, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Tourism Finance Corporation of India Limited's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
-20.86%
Industry Style: Value, Dividend, Cyclical
DecliningEPS CAGR
11.69%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-70.58%
Industry Style: Value, Dividend, Cyclical
Declining