Tour. Fin. Corp. (TFCILTD)

FairStock Score: 40/100 — MIXED

Score breakdown: P/E: 1/3 · ROCE: 0/2 · Growth: 2/2 · Dividend: 0/1

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at Tour. Fin. Corp. at ₹117.44 and a ₹5,437 Cr market cap, and my Graham instinct says the price already assumes a lot. It trades at 35.37 times earnings and 4.14 times book, while book value is only ₹28.34. For that price, I want a durable moat and high returns. Instead, ROE is 10.43% and ROCE 10.67%, respectable but not exceptional. Debt/equity of 0.82 is manageable for a financial institution, and the Piotroski F-Score of 7/9 suggests improving financial strength. The recent growth is striking: sales up 74.95%, profit up 100.30%, latest quarter sales of ₹70 Cr, net profit of ₹32 Cr, and PEG of 0.87. But the five-year revenue CAGR is only 1.43%, so I must ask whether this is a durable change or a one-year spike. Promoter holding at 3.85% is very low, meaning limited owner alignment. Dividend yield of 0.51% gives little cash return. The 52-week range of ₹51 to ₹159.80 shows how volatile sentiment has been. FairStock score of 40/100 is mixed. In financials, a true moat comes from underwriting discipline, low-cost funding, and trust; I cannot verify that here. So I would watch, not buy. Price offers no margin of safety against a slowdown. If profits repeat and ROE rises, it might deserve a closer look. Until then, I classify it as a fast grower with speculative valuation.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data from BSE/NSE filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer