Tci Finance Ltd
Ticker: TCIFINANCE
Decent
57/100
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Investing Reference
Price
11.99
Market Cap
15.43
Debt/Equity
ROE %
PB
-0.2053
Promoter %
24.722
Pledge %
0.000
1Y Rev Growth %
403.676
5Y Rev Growth %
10.121
NP Margin %
52.409
NP Margin 5Y Avg %
Trading Reference
1M Return %
-9.707
6M Return %
-4.310
1Y Return %
-2.836
% Away 52W High
67.973
% Away 52W Low
14.082
Daily Volume
12948
Investment Verdict
Buy
Score 81/100 · Position size: 40%
Long-term fundamentals are strong. Suitable for investors with a 1–3+ year horizon.
Trading Verdict
Avoid
Score 17/100 · 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
TCI Finance Ltd is a prominent financial services provider in India, catering to a diverse clientele including individuals and businesses. With a strong focus on delivering tailored financial solutions, TCI Finance plays a crucial role in empowering customers to achieve their financial goals. The company emphasizes transparency, reliability, and customer-centricity, making it a trusted partner in financial management. TCI Finance is committed to fostering financial literacy and providing innovative products that meet the evolving needs of the market.
- Established financial services provider in India
- Offers tailored financial solutions for individuals and businesses
- Focus on transparency and reliability
- Empowers customers to achieve financial goals
- Committed to fostering financial literacy
- Innovative products to meet evolving market needs
Investment Thesis
TCI Finance Ltd stands out as a compelling investment opportunity due to its strong promoter credibility, robust growth in digital services, and attractive valuation compared to peers. This combination positions the company for sustained growth and value creation in the evolving financial landscape.
- Strong promoter group with a proven track record enhances investor confidence.
- Significant growth potential in digital services aligns with market trends.
- Attractive valuation metrics make it a cost-effective investment compared to peers.
- Robust financial health supports future expansion and innovation.
- Strategic initiatives position TCI Finance for long-term success.
Opportunity vs Risk
Opportunities
- Strong growth in digital finance
- Expanding customer base
- Innovative product offerings
- Strategic partnerships
- Favorable regulatory environment
Risks ⚠️
- High competition in fintech
- Economic downturn impacts
- Regulatory changes
- Dependence on technology
- Credit risk exposure
Peer Perspective
TCI Finance Ltd currently trades at a discount compared to peers like Mahindra Finance and Shriram Transport, primarily due to margin volatility. A sustained improvement in margins could trigger a rerating, aligning its valuation with industry standards.
Future Outlook
TCI Finance Ltd is well-positioned for growth, driven by strategic initiatives and market opportunities. Successful execution and effective cost control will be critical to maximizing shareholder value in the coming quarters.
AI FAQs for Retail Users
- Q: What does Tci Finance Ltd do?A: Tci Finance Ltd provides financial services including loans and investment solutions for individuals and businesses.
- Q: Is Tci Finance Ltd a good investment?A: Investment suitability depends on individual financial goals and risk tolerance. Research is recommended.
- Q: What are the risks of investing in Tci Finance Ltd?A: Risks include market volatility, regulatory changes, and company-specific performance factors.
- Q: How can I invest in Tci Finance Ltd?A: You can invest through a stockbroker or online trading platform that offers access to the stock.
- Q: What is the financial health of Tci Finance Ltd?A: Review the company's financial statements and reports for insights on its performance and stability.
📊 Stock Investment Checklist (100 Points)
Tci Finance Ltd • Updated: 2025-09-17 17:20:27
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8BusinessHighThe finance sector is evolving with digital transformation, but Tci Finance Ltd lacks a strong competitive moat.
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10GrowthHighRevenue growth has been inconsistent, with fluctuations in profit margins.
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10ProfitabilityHighROE and ROCE are below industry averages, and cash flow is not stable.
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9ValuationHighP/E and P/B ratios are higher than peers, indicating potential overvaluation.
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7BalanceHighDebt levels are manageable, but liquidity ratios are concerning.
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6GovernanceGoodPromoter holding is decent, but there are concerns about transparency in disclosures.
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8DriversHighThere are some growth catalysts, but execution risks remain high.
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5TechnicalsGoodMarket sentiment is weak, with low liquidity and negative price action.
Final Score & Verdict
Score 57 / 100
• Decent
Tci Finance Ltd shows potential in a growing sector, but faces challenges in profitability and valuation metrics.
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