TCFC Finance

Why is TCFC Finance Ltd falling/rising?

As of 08-Jun, TCFC Finance Ltd's stock price is rising to 27.99, reflecting a 2.72% increase due to outperforming its sector and recent consecutive gains. However, it has faced a significant decline of 15.31% year-to-date and 42.23% over the past year, indicating mixed long-term performance despite short-term positive sentiment.

As of 08-Jun, TCFC Finance Ltd's stock price is rising, currently at 27.99, with a change of 0.74 (2.72%) increase. This upward movement can be attributed to several factors. Firstly, the stock has outperformed its sector by 4.78% today, indicating a stronger performance relative to the broader finance/NBFC sector, which has declined by 2.04%. Additionally, TCFC Finance Ltd has experienced consecutive gains over the last two days, accumulating a total return of 3.36% during this period.<BR><BR>Despite the positive short-term performance, it is important to note that the stock has had a challenging year-to-date, with a decline of 15.31%, and a significant drop of 42.23% over the past year. However, the recent gains suggest a potential recovery or positive sentiment among investors in the short term. The stock's current price is also higher than its 5-day and 50-day moving averages, which may indicate a bullish trend in the near term, even though it remains below the 20-day, 100-day, and 200-day moving averages. <BR><BR>Overall, the combination of outperforming the sector, recent consecutive gains, and favorable moving averages contributes to the current rise in TCFC Finance Ltd's stock price.

Which are the latest news on TCFC Finance?

Are TCFC Finance Ltd latest results good or bad?

TCFC Finance Ltd's latest results are poor, with a net loss of ₹5.54 crores in Q4 FY26, a 10,980% decline from the previous quarter, and a significant deterioration year-on-year. Analysts recommend a "Strong Sell" due to severe operational challenges and weak financial performance.

The latest results for TCFC Finance Ltd are decidedly poor. In Q4 FY26, the company reported a net loss of ₹5.54 crores, marking a staggering decline of 10,980% compared to the previous quarter. This loss is also significantly worse than the ₹-3.04 crores reported in the same quarter last year, representing an 82.24% deterioration year-on-year.<BR><BR>Additionally, net sales turned sharply negative at ₹-7.87 crores, which is a dramatic drop of 631.76% from the previous quarter. The operating profit before depreciation, interest, and tax (PBDIT) also fell to ₹-8.32 crores, indicating severe operational challenges.<BR><BR>The company's return on equity (ROE) stands at a mere 0.60%, reflecting weak capital efficiency, and its overall financial performance has been characterized by extreme volatility, with no signs of stabilization. Given these results, TCFC Finance Ltd is facing significant operational and financial difficulties, leading to a "Strong Sell" advisory from analysts.

Should I buy, sell or hold TCFC Finance Ltd?

When is the next results date for TCFC Finance Ltd?

The next results date for TCFC Finance Ltd is 25 May 2026.

The next results date for TCFC Finance Ltd is scheduled for 25 May 2026.

Is TCFC Finance overvalued or undervalued?

As of December 4, 2025, TCFC Finance is considered very expensive and overvalued with a high PE ratio of 212.12, negative EV to EBIT and EBITDA ratios, and poor returns on capital and equity, significantly lagging behind its peers and the Sensex.

As of 4 December 2025, the valuation grade for TCFC Finance has moved from risky to very expensive. The company is currently overvalued, as indicated by its high PE ratio of 212.12 and negative EV to EBIT and EV to EBITDA ratios of -45.74. Additionally, the return on capital employed (ROCE) stands at -0.75%, while the return on equity (ROE) is a mere 0.20%, further illustrating the company's financial struggles.<BR><BR>In comparison to its peers, TCFC Finance's valuation appears significantly higher than Bajaj Finance, which has a PE ratio of 34.9, and Life Insurance, which boasts a much lower PE ratio of 10.85. The stark contrast in these ratios highlights TCFC Finance's overvaluation in the current market. Furthermore, the company's recent stock performance has lagged behind the Sensex, with a year-to-date decline of 39.09% compared to the Sensex's gain of 9.12%, reinforcing the notion that TCFC Finance is not a favorable investment at this time.

How has been the historical performance of TCFC Finance?

TCFC Finance experienced a significant decline in financial performance from March 2024 to March 2025, with net sales dropping from 17.47 Cr to 2.31 Cr, and profit after tax falling from 12.29 Cr to 1.22 Cr. Total assets and liabilities also decreased, while cash flow from operating activities remained stagnant.

Answer:<BR>The historical performance of TCFC Finance shows significant fluctuations in key financial metrics over the years.<BR><BR>Breakdown:<BR>TCFC Finance's net sales peaked at 17.47 Cr in March 2024, but dropped sharply to 2.31 Cr in March 2025. The total operating income followed a similar trend, decreasing from 17.47 Cr in March 2024 to 2.31 Cr in March 2025. Operating profit (PBDIT) also saw a dramatic decline from 16.13 Cr in March 2024 to 1.48 Cr in March 2025, reflecting a significant drop in profitability. The profit before tax decreased from 16.11 Cr in March 2024 to 1.39 Cr in March 2025, while profit after tax fell from 12.29 Cr to 1.22 Cr in the same period. The earnings per share (EPS) showed a notable decline from 11.73 in March 2024 to 1.16 in March 2025. On the balance sheet, total assets decreased from 115.04 Cr in March 2024 to 113.41 Cr in March 2025, while total liabilities also dropped from 115.04 Cr to 113.41 Cr. The cash flow from operating activities remained stagnant, indicating no cash inflow or outflow during this period. Overall, TCFC Finance experienced a significant downturn in its financial performance in March 2025 compared to the previous year.

How big is TCFC Finance?

As of 24th July, TCFC Finance Ltd has a market capitalization of 49.00 Cr, with Net Sales of 2.32 Cr and a Net Profit of 1.22 Cr reported in the latest four quarters. Shareholder's Funds are 109.71 Cr and Total Assets amount to 115.04 Cr as of March 2024.

As of 24th July, TCFC Finance Ltd has a market capitalization of 49.00 Cr, categorizing it as a Micro Cap company.<BR><BR>In the latest four quarters, TCFC Finance reported Net Sales of 2.32 Cr and a Net Profit of 1.22 Cr.<BR><BR>The latest annual period for the balance sheet is March 2024, with Shareholder's Funds amounting to 109.71 Cr and Total Assets of 115.04 Cr.

What does TCFC Finance do?

TCFC Finance Ltd is a registered Non Banking Finance Company (NBFC) focused on trading and investment in the micro-cap market, with recent quarterly net sales of -36 Cr and a net profit of -30 Cr as of March 2025. The company has a market cap of INR 48 Cr and key metrics include a P/E of 40.00 and a dividend yield of 3.90%.

Overview:<BR>TCFC Finance Ltd is a registered Non Banking Finance Company (NBFC) engaged in trading and investment activities, operating within the micro-cap market.<BR><BR>History:<BR>Incorporated in 1990, TCFC Finance Ltd has maintained its status as a Non Banking Finance Company. The latest quarterly results reported net sales and net profit for the period ending March 2025.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: -36 Cr (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: -30 Cr (Quarterly Results - Mar 2025) <BR>Market-cap value: INR 48 Cr (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: 40.00 <BR>Industry P/E: 23 <BR>Dividend Yield: 3.90% <BR>Debt Equity: 0.00 <BR>Return on Equity: 1.09% <BR>Price to Book: 0.43 <BR><BR>Contact Details:<BR>Address: 501 Raheja Chambers, Nariman Point FPJ Marg Mumbai Maharashtra : 400021 <BR>Tel: 91-022-22844701/0736 <BR>Email: investorservices@tcfcfinance.com <BR>Website: http://www.tcfcfinance.com

Who are the top shareholders of the TCFC Finance?

The top shareholder of TCFC Finance is Greenstone Investments Pvt Ltd, holding 0.0%, with Venkatesh Kamath as the largest public shareholder at 5.09%. Individual investors collectively own 18.41% of the shares, and there are no pledged promoter holdings or investments from mutual funds or foreign institutional investors.

The top shareholders of TCFC Finance primarily include its promoters, with Greenstone Investments Pvt Ltd being the promoter with the highest holding at 0.0%. Notably, there are no pledged promoter holdings, and the company does not have any mutual funds or foreign institutional investors (FIIs) holding shares. The highest public shareholder is Venkatesh Kamath, who holds 5.09% of the shares. Additionally, individual investors collectively hold 18.41% of the company's shares.

What is the technical trend for TCFC Finance?

As of May 12, 2025, TCFC Finance's technical trend is mildly bearish, with mixed signals from indicators like the MACD, Bollinger Bands, and moving averages.

As of 12 May 2025, the technical trend for TCFC Finance has changed from bearish to mildly bearish. The weekly MACD indicates a mildly bullish stance, while the monthly MACD shows a mildly bearish trend. The Bollinger Bands and Dow Theory are both indicating a mildly bearish position on a weekly and monthly basis. Daily moving averages remain bearish, which adds to the overall cautious sentiment. The KST aligns with the mixed signals, being mildly bullish weekly but mildly bearish monthly. Overall, the current technical stance is mildly bearish, with key indicators such as moving averages and Bollinger Bands contributing to this outlook.

Who are in the management team of TCFC Finance?

As of March 2023, the management team of TCFC Finance includes Atul Desai (Chairman & Independent Director), Venkatesh Kamath (Executive Director & CFO), Tania Deol (Managing Director), Kinjal Sheth (Company Secretary & Compliance Officer), Dharmil Bodani (Director), and Pranav S Jasani (Independent Director). Each member contributes to the company's governance and operations.

As of March 2023, the management team of TCFC Finance includes the following individuals:<BR><BR>1. Atul Desai - Chairman & Independent Director<BR>2. Venkatesh Kamath - Executive Director & CFO<BR>3. Tania Deol - Managing Director<BR>4. Kinjal Sheth - Company Secretary & Compliance Officer<BR>5. Dharmil Bodani - Director<BR>6. Pranav S Jasani - Independent Director<BR><BR>Each member plays a crucial role in the governance and operational management of the company.

Has TCFC Finance declared dividend?

Yes, TCFC Finance Ltd has declared an 18% dividend, amounting to 1.8 per share, with an ex-date of July 23, 2024. The company has shown varying total returns over different periods, with a notable total return of 203.56% over the last 5 years.

TCFC Finance Ltd has declared an 18% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 18%<BR>- Amount per share: 1.8<BR>- Ex-date: 23 Jul 24<BR><BR>Dividend Yield: 3.78%.<BR><BR>Total Returns by Period:<BR>In the last 6 months, the price return was -33.86%, the dividend return was 0%, resulting in a total return of -33.86%.<BR><BR>Over the past year, the price return was -16.08%, with a dividend return of 2.97%, leading to a total return of -13.11%.<BR><BR>In the 2-year period, the price return was 54.3%, the dividend return was 5.96%, culminating in a total return of 60.26%.<BR><BR>For the 3-year period, the price return was 47.56%, the dividend return was 9.71%, resulting in a total return of 57.27%.<BR><BR>In the last 4 years, the price return was 62.22%, with a dividend return of 12.69%, leading to a total return of 74.91%.<BR><BR>Finally, over the 5-year period, the price return was 179.94%, the dividend return was 23.62%, resulting in a total return of 203.56%.<BR><BR>Overall, TCFC Finance Ltd has declared a significant dividend and has shown varying total returns across different periods, with the longest term (5 years) reflecting strong performance, particularly in price return.

Who are the peers of the TCFC Finance?

TCFC Finance's peers include Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, Salem Erode Inv., Sumedha Fiscal, Kreon Finnancial, P. H. Capital, and Kalyan Capitals. Bajaj Finance leads in management quality, growth, and 1-year returns, while Kalyan Capitals has the lowest performance metrics.

Peers: The peers of TCFC Finance are Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, Salem Erode Inv., Sumedha Fiscal, Kreon Finnancial, P. H. Capital, and Kalyan Capitals.<BR><BR>Quality Snapshot: Excellent management risk is observed at Bajaj Finance, Cholaman.Inv.&Fn, Muthoot Finance, while Average management risk is found at Jio Financial and P. H. Capital, and the rest have Below Average management risk. Growth is Excellent at Jio Financial and Sumedha Fiscal, Good at Bajaj Finance, Cholaman.Inv.&Fn, Shriram Finance, and Kreon Finnancial, while the rest have Below Average growth. Excellent capital structure is noted for Bajaj Finance, Jio Financial, Shriram Finance, Muthoot Finance, Salem Erode Inv., Sumedha Fiscal, Kreon Finnancial, and P. H. Capital, while Cholaman.Inv.&Fn has Good capital structure, and Kalyan Capitals has Below Average capital structure.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Bajaj Finance at 30.45%, while the lowest is Kalyan Capitals at -44.96%. TCFC Finance's 1-year return is -17.31%, which is higher than Kalyan Capitals but lower than Bajaj Finance. Additionally, peers with negative six-month returns include Salem Erode Inv., Sumedha Fiscal, Kreon Finnancial, P. H. Capital, and Kalyan Capitals.