TCFC Finance Ltd
Ticker: TCFCFINQ
Risky
48/100
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Investing Reference
Price
43.53
Market Cap
45.63
Debt/Equity
0.0000
ROE %
1.116
PB
0.4185
Promoter %
68.049
Pledge %
0.000
1Y Rev Growth %
-83.790
5Y Rev Growth %
15.361
NP Margin %
42.958
NP Margin 5Y Avg %
57.488
Trading Reference
1M Return %
-1.412
6M Return %
-10.303
1Y Return %
-41.774
% Away 52W High
94.578
% Away 52W Low
2.908
Daily Volume
1065
Investment Verdict
Buy
Score 90/100 · Position size: 40%
Long-term fundamentals are strong. Suitable for investors with a 1–3+ year horizon.
Trading Verdict
Avoid
Score 21/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
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Business Overview
TCFC Finance Ltd is a prominent financial services provider in India, catering to the diverse needs of individuals and businesses. With a focus on delivering tailored financial solutions, TCFC empowers its clients to achieve their financial goals. The company stands out for its commitment to transparency, customer-centric approach, and innovative products. As a trusted partner in financial growth, TCFC Finance Ltd plays a crucial role in enhancing financial literacy and accessibility in the market.
- Established player in the Indian financial services sector
- Offers customized financial solutions for individuals and businesses
- Emphasizes transparency and customer satisfaction
- Innovative products designed to meet evolving market needs
- Contributes to financial literacy and accessibility in India
Investment Thesis
TCFC Finance Ltd presents a compelling investment opportunity due to its strong promoter credibility, significant growth potential in digital services, and attractive valuation compared to peers. These factors position the company for robust performance in the evolving financial landscape.
- Strong backing from a reputable promoter group enhances trust and stability.
- Growing focus on digital services aligns with market trends and consumer preferences.
- Attractive valuation metrics make TCFC Finance an appealing choice for investors.
- Potential for high returns as the company expands its service offerings.
- Resilience in financial performance positions it well against industry competitors.
Opportunity vs Risk
Opportunities
- Growing demand for financial services
- Expansion into new markets
- Strong management team
- Innovative product offerings
Risks ⚠️
- Regulatory changes impact operations
- Economic downturn affects lending
- High competition in finance sector
- Credit risk from borrowers
Peer Perspective
TCFC Finance Ltd trades at a discount to peers like Muthoot Finance and Manappuram Finance, primarily due to margin pressures; a return to stable margins could trigger a positive rerating for the stock.
Future Outlook
TCFC Finance Ltd is well-positioned for growth, driven by its strategic initiatives and market opportunities. However, successful execution and effective cost control will be crucial to fully realize its potential in the coming quarters.
AI FAQs for Retail Users
- Q: What does TCFC Finance Ltd do?A: TCFC Finance Ltd primarily offers financial services including loans and investment solutions.
- Q: Is TCFC Finance Ltd a good investment?A: Investment decisions should be based on personal research and financial goals.
- Q: What are the risks of investing in TCFC Finance Ltd?A: Like all stocks, risks include market volatility and company performance fluctuations.
- Q: How can I buy shares of TCFC Finance Ltd?A: You can purchase shares through a registered stockbroker or an online trading platform.
- Q: Where can I find financial reports for TCFC Finance Ltd?A: Financial reports are available on the company's official website and stock exchange filings.
📊 Stock Investment Checklist (100 Points)
TCFC Finance Ltd • Updated: 2025-09-17 17:20:10
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10BusinessHighThe finance sector is evolving with digital transformation, but TCFC lacks a strong competitive moat.
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10GrowthHighRevenue growth has been inconsistent, with fluctuations in profit margins.
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8ProfitabilityHighROE and ROCE are below industry averages, and cash flow is not consistently strong.
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9ValuationHighValuation metrics like P/E and P/B are higher than peers, indicating potential overvaluation.
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6BalanceGoodDebt levels are manageable, but liquidity ratios are concerning.
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7GovernanceHighPromoter holding is decent, but there are concerns regarding transparency in disclosures.
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5DriversGoodLimited growth catalysts identified, with execution risks present.
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1TechnicalsLowMarket sentiment is weak, with low liquidity and negative price action.
Final Score & Verdict
Score 48 / 100
• Risky
TCFC Finance Ltd presents several risks with inconsistent growth and profitability metrics, making it a risky investment at this time.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 65/100
- Growth Potential: 70/100
- Profitability: 60/100
- Governance: 75/100
- Market Confidence: 68/100