TCFC Finance Limited (532284) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of TCFC Finance Limited ₹49.98, price ₹24.00, upside +108.3%, quality 56 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.
How to read this chart
60‑month range ₹23.21 – ₹91.91 · fair‑value band ₹37.48 – ₹62.48 · the ₹24.00 price screens below the ₹49.98 fair value. Dashed = 300-day average. As of Sep 27, 2026.
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TCFC Finance Limited operates as a non-banking finance company in India. It offers finance services; invests and trades in equity shares, mutual funds, debt securities, etc.; and invests in real estate, as well as involved in initial public offers of companies. The company was incorporated in 1990 and is based in Mumbai, India.
Stock analysis
TCFC Finance Limited (532284) currently trades at ₹24.00, while our model-based Fair Value estimate is ₹49.98, implying the stock looks roughly 52.0% undervalued today.
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Valuation
How firm this estimate is: it rests on 4 models at a data quality of 96/100, which puts the evidence level at low.
Scenario range: ₹37.48 (bear) to ₹62.48 (bull), the price of ₹24.00 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 56/100 (solid quality), in the Financial sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
TCFC Finance Limited reported revenue of ₹33.0M in FY2026 versus ₹73.4M in FY2022, a compound −18.1%/yr. Reported net income was −₹18.2M in FY2026.
Key figures
Market cap ₹227M (≈ $2.4M) · P/E ratio 9.8 · P/S ratio 4.23 · EPS (TTM) ₹2.85 · Dividend yield 10.1% · Net margin −55.0% · Return on equity 3.4% · Return on assets (EBIT) 3.6%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).
What moves the price
The share trades about 52% below its 52-week high and 2% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial peers we cover trades at −15% fair-value upside, at 108%, 532284 screens cheaper than that median.
Fair Value models
Bear ₹37.48Fair Value ₹49.98Bull ₹62.48
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2026 figures (about 6 months old). Earnings retained since then (₹1.45 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.17/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+42.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−22.3%
Start year 2021 (pandemic). Over 10 years: −33.5% a year
Revenue growth 12 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−28.7%
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Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
90.6% (2021) → −103.8% (2026)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2026 is a loss year, no rate is defined from a loss
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Asset Management · 657 stocks
Beats the industry median on 9/12 measures
Overall it ranks above its industry peers.
Valuation
Quality Score55 · Below median
Fair Value upside+108.3% · Top 25%
Profitability
Return on equity (TTM)3.4% · Below median
Return on assets2.5% · Above median
Net margin (TTM)68.1% · Top 25%
Operating margin (TTM)79.2% · Above median
Growth and dividend
Revenue growth146.4% · Top 25%
Dividend yield (TTM)10.1% · Top 25%
Valuation Multiplesvs Asset Management median · lower = cheaper
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Is TCFC Finance Limited (532284) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of ₹49.98 versus a price of ₹24.00, about +108% upside (undervalued).
What is the fair value of 532284?
Our model-based fair value for TCFC Finance Limited is ₹49.98 (as of Sep 27, 2026), built from audited fundamentals. The current price: ₹24.00.
What is the quality score of 532284?
TCFC Finance Limited has a Quality Score of 56/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for TCFC Finance Limited (532284)?
Our model-based price target is the fair value of ₹49.98 (as of Sep 27, 2026) from 2 valuation models. Cautious scenario ₹37.48, optimistic scenario ₹62.48. It is a calculation from audited fundamentals, not an analyst target.
What is the TCFC Finance Limited stock forecast for 2026?
Our models put fair value at ₹49.98, about +108% upside versus a price of ₹24.00 (undervalued). Cautious scenario ₹37.48, optimistic scenario ₹62.48. The calculation is refreshed regularly with new filings.
What is the revenue of TCFC Finance Limited (532284)?
TCFC Finance Limited reported trailing-twelve-month revenue of about ₹44.0M (latest available figure, as of Sep 27, 2026).
Does TCFC Finance Limited pay a dividend?
TCFC Finance Limited currently shows a dividend yield of about 10.14% relative to its recent price (as of Sep 27, 2026).
What is the intrinsic value of TCFC Finance Limited (532284)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For TCFC Finance Limited it is ₹49.98 per share (as of Sep 27, 2026), against a price of ₹24.00. It is the blended result of 2 valuation models (cash flow, earnings, asset, dividend).
Is TCFC Finance Limited stock overvalued or undervalued in 2026?
As of Sep 27, 2026, 532284 trades below its calculated fair value: price ₹24.00, fair value ₹49.98, a gap of about +108% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 532284?
No. The price is what the market pays today (₹24.00); the fair value is what the company's own numbers justify (₹49.98). For TCFC Finance Limited the two are ₹25.98 per share apart. That gap is exactly why we show both numbers side by side.
How much is TCFC Finance Limited worth?
The market values TCFC Finance Limited at about ₹227M (market capitalisation, as of Sep 27, 2026). Per share that is ₹24.00; our models calculate a fair value of ₹49.98 per share.
What do the bullish and bearish scenarios say about 532284?
Our models span a range for TCFC Finance Limited: cautious scenario ₹37.48, base ₹49.98, optimistic ₹62.48 per share (as of Sep 27, 2026, price ₹24.00). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 532284?
TCFC Finance Limited trades at a price-to-earnings ratio of 9.8 (as of Sep 27, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹49.98 is built from several models across several years. Other multiples: P/B 0.2, P/S 5.2, EV/EBITDA 6.3.
How solid is the balance sheet of TCFC Finance Limited (532284)?
Balance-sheet figures for TCFC Finance Limited (as of Sep 27, 2026): return on equity 3.4%. They feed the Quality Score of 56/100, which measures business quality independently of the share price.
How far is 532284 from its 52-week high?
TCFC Finance Limited trades at ₹24.00, about 52% below its 52-week high of ₹49.83 and 2% above the low of ₹23.56 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of ₹49.98 is for.
Which stocks are comparable to TCFC Finance Limited?
From the same area (Financial) we also value Blackstone Inc, KKR & Co, Brookfield Corporation, Apollo Global Management, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is TCFC Finance Limited stock attractive at the current price?
The data as of Sep 27, 2026: price ₹24.00, calculated fair value ₹49.98 (+108%), Quality Score 56/100, from 2 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 532284 calculated?
We run TCFC Finance Limited through 2 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of ₹49.98, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. TCFC Finance Limited currently trades 52 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of TCFC Finance Limited (532284)?
The closing price on Oct 1, 2026 was ₹24.00. Our model-based fair value is ₹49.98, about +108% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with TCFC Finance Limited right now?
The price is below even our cautious bear case (₹37.48). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid quality (56/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of TCFC Finance Limited
How large is the market capitalisation of TCFC Finance Limited (532284)?
The market capitalisation of TCFC Finance Limited is ₹227M (≈ $2.4M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of TCFC Finance Limited (532284)?
The price-to-sales ratio of TCFC Finance Limited is 4.23 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of TCFC Finance Limited (532284)?
Earnings per share at TCFC Finance Limited are ₹2.85 (price ÷ EPS = P/E 9.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of TCFC Finance Limited (532284)?
The dividend yield of TCFC Finance Limited is 10.1% (payout 85.4%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of TCFC Finance Limited (532284)?
The net margin of TCFC Finance Limited is −55.0% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of TCFC Finance Limited (532284)?
The return on equity (ROE) of TCFC Finance Limited is 3.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of TCFC Finance Limited (532284)?
On an EBIT basis the return on assets of TCFC Finance Limited is 3.6% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of TCFC Finance Limited (532284)?
The operating margin of TCFC Finance Limited is 79.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at TCFC Finance Limited (532284)?
Revenue at TCFC Finance Limited is growing +146% versus a year earlier (3y avg +21.0%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at TCFC Finance Limited (532284)?
Earnings per share at TCFC Finance Limited are growing +194% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does TCFC Finance Limited (532284) generate?
The free cash flow of TCFC Finance Limited is −₹16.0M (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does TCFC Finance Limited (532284) carry?
The net debt of TCFC Finance Limited is ₹6.8M (fiscal year 2026). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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