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Intrinsic value · Buy/Sell verdict · scores — free· 1049 Indian stocks· EOD 2026-07-31

Tourism Finance Corporation of India Limited

TFCILTDNSEFinancial Services
₹101.87
+0.87 (+0.86%)
Hold

Financial trend (100/100) does the heavy lifting; valuation (21/100) is the drag.

Fair valueOvervalued
The bottom line

Tourism Finance Corporation of India Limited earns a Hold from StocksWizard, with a blended score of 45/100. At ₹101.87 it trades above our blended DCF and relative-multiples fair value of ₹57.91, about 43% downside to that estimate — we read it as overvalued by 43%. On 24.7x trailing earnings it sits roughly in line with the Financial Services median of about 24.3x. It's trading right at its 52-week high of ₹101.87. Financial health scores 100/100, with a Piotroski F-score of 3/9. It clears 5 of 10 investability checks, with durability 83, valuation 42 and momentum 99 on our 0–100 scales.

Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.

Intrinsic value
Our fair value
₹57.91down 43.15%
Overvalued by 43%
Price ₹101.87Range ₹50.94₹81.9
Relative (financials)high confidence

With a 20% margin of safety, our buy-below price is ₹46.33.

1-year price

EOD · 2026-07-31
1D
up 0.86%
1W
up 16.73%
1M
up 30.72%
3M
up 34.27%
6M
up 54.72%
1Y

52-week range

+0.00% from the 52-week high.

Trend check
Above 50-DMA₹79Above 200-DMA₹72

Price above both moving averages reads as an intact uptrend; below both, the trend is against you.

Verdict pillars

Hold45
A
Financial health 100/100
From profitability & returns (bank/NBFC)

Piotroski F-score 3/9 — quality of earnings & balance sheet.

Our scores

Durability83
Valuation42
Momentum99

Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.

Investability checklist

Passed 5 of 10 checks
Each check screens one fundamentals, valuation or trend signal.
  • No data: ROE above 15%
  • Fail: Low debt (D/E < 0.5): 0.82x
  • Fail: Positive free cash flow
  • Pass: Revenue growth > 10%: 98%
  • Pass: Earnings growing: 100%
  • Pass: Net margin ≥ 10%: 67.8%
  • No data: Current ratio > 1.5
  • Fail: Below our fair value
  • Fail: Margin of safety ≥ 20%
  • Pass: Above 200-day average
  • Pass: Above 50-day average
  • No data: Positive 1-year return
  • No data: Altman Z in safe zone
  • Fail: Piotroski ≥ 7: 3/9

Quarterly results

Revenue · 4Q2019
₹65 Cr
Net profit
₹27 Cr
Margin
42%
3Q2019
4Q2019
Revenue Net profitLatest revenue QoQ -19%

Annual financials

Revenue · 2020
₹269 Cr
Net profit
₹81 Cr
Margin
30%
2019
2020
Revenue Net profitLatest revenue YoY +22%

Shareholding

  • Promoter40.5%
  • Institutions5.1%
  • Public & other54.4%

Promoter holding via insider stake; institutional via reported holdings.

Key fundamentals

Market cap
₹4,040 Cr
P/E ratio
24.7
P/B ratio
3.08
EPS (TTM)
₹3.54
ROE
Debt / Equity
0.82x
Profit margin
67.8%
Free cash flow
₹-46 Cr
52-week high
₹101.87
+0.00% from high
52-week low
₹54.42
Dividend yield
0.7%
Beta
0.11
SWOT snapshot

Bull case vs bear case

Bull case

Strengths

  • Healthy profit margin (67.8%).
  • Trading near its 52-week high.

Opportunities

  • Earnings growing (100% YoY).
  • Revenue growing (98% YoY).

Bear case

Weaknesses

  • Weak Piotroski score (3/9).

Threats

  • Trades ~43% above our estimated fair value.

About Tourism Finance Corporation of India Limited

Tourism Finance Corporation of India Limited provides financial assistance through loans and investments across multiple sectors including tourism, hospitality, social infrastructure, residential real estate, manufacturing, education, healthcare, renewable energy, and logistics. The company also finances non-banking financial companies and housing finance companies for secured onward lending activities.

Tourism Finance Corporation of India Limited — frequently asked questions

Is Tourism Finance Corporation of India Limited a buy, hold or sell?

StocksWizard currently rates Tourism Finance Corporation of India Limited (TFCILTD) a Hold, based on a blended score of 45/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.

What is Tourism Finance Corporation of India Limited's fair value?

Our blended DCF and relative-valuation model estimates Tourism Finance Corporation of India Limited's fair value at about ₹57.91, versus a current price of ₹101.87 — roughly 43% downside. On that basis the stock looks overvalued by 43%.

Is Tourism Finance Corporation of India Limited financially healthy?

Tourism Finance Corporation of India Limited scores 100/100 on our financial-health model, with a Piotroski F-score of 3/9.

How has Tourism Finance Corporation of India Limited's share price performed?

Tourism Finance Corporation of India Limited is up 34% over three months, and last traded at ₹101.87. Past performance doesn't predict future returns.

Our verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.