Recent Price Movement and Market Context
On 27 Feb 2026, TCFC Finance Ltd’s share price fell by 2.04% to close at Rs.24.99, establishing a fresh 52-week low. This decline extends a three-day losing streak during which the stock has shed over 10.04% in value. The stock’s performance today lagged behind the Non Banking Financial Company sector by 0.71%, signalling relative weakness within its industry group.
Technical indicators show the stock trading below all key moving averages, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages. This broad-based downward momentum highlights persistent selling pressure and a lack of short-term support levels.
In comparison, the benchmark Sensex opened flat but later declined by 0.74%, closing at 81,643.99 points. While the Sensex remains below its 50-day moving average, the 50DMA itself is positioned above the 200DMA, indicating mixed signals for the broader market. Notably, the S&P Bse Oil Gas index hit a new 52-week high today, contrasting with TCFC Finance’s weak showing.
Long-Term Performance and Valuation Concerns
Over the past year, TCFC Finance Ltd has delivered a negative return of 52.04%, starkly underperforming the Sensex’s positive 9.40% gain during the same period. The stock’s 52-week high was Rs.59.33, underscoring the magnitude of the decline from its peak.
Fundamental analysis reveals several areas of concern. The company’s long-term return on equity (ROE) averages a modest 6.96%, indicating limited profitability relative to shareholder equity. Net sales have contracted at an annualised rate of 23.41%, while operating profit has declined by 31.87% annually, reflecting a challenging growth environment.
Recent quarterly results for December 2025 further illustrate the difficulties faced by TCFC Finance. The company reported a net loss after tax (PAT) of Rs.-0.05 crore, representing a 190.9% decline compared to the previous four-quarter average. This negative profitability trend has contributed to the stock’s valuation pressures.
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Valuation Metrics and Institutional Participation
Despite the subdued financial performance, TCFC Finance is trading at a premium relative to its peers’ historical valuations. The stock’s price-to-book value stands at 0.2, which is considered expensive given the company’s low ROE of 0.6 in the recent period. This valuation disconnect may reflect market uncertainty or expectations not aligned with recent fundamentals.
Institutional investor participation has also declined, with a reduction of 0.75% in their stake over the previous quarter. Currently, institutional investors hold a collective 2.96% of the company’s shares. Given their typically rigorous analysis and resource advantage, this reduced involvement may signal diminished confidence in the company’s near-term prospects.
Comparative Performance Over Multiple Timeframes
TCFC Finance’s underperformance extends beyond the last year. The stock has lagged the BSE500 index over the past three years, one year, and three months, indicating a consistent pattern of below-par returns. This sustained underperformance highlights structural challenges within the company’s business model or market positioning.
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Mojo Score and Rating Update
On 16 Feb 2026, TCFC Finance Ltd was assigned a Mojo Score of 17.0 and a Mojo Grade of Strong Sell by MarketsMOJO. This rating reflects the company’s weak long-term fundamentals, deteriorating profitability, and valuation concerns. The Strong Sell grade marks a downgrade from a previous ungraded status, signalling increased caution among analysts.
The company’s market capitalisation grade is rated 4, indicating a relatively small market cap within its sector. This factor, combined with the stock’s recent price action and fundamental metrics, contributes to the overall negative assessment.
Summary of Key Financial and Market Indicators
To summarise, TCFC Finance Ltd’s stock has reached a new 52-week low of Rs.24.99 after a sustained decline of over 52% in the past year. The company’s financial results show contracting sales and operating profits, alongside a net loss in the latest quarter. Valuation metrics suggest the stock is trading at a premium despite weak returns on equity and falling profitability. Institutional investor interest has waned, and the stock continues to underperform both its sector and broader market indices.
These factors collectively illustrate the challenges faced by TCFC Finance Ltd in maintaining shareholder value and market confidence over recent periods.
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