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Tourism Finance Corporation (TFCILTD) Fair Value & Analysis

Financial Services · IN · Market cap ₹36.7B

TF Tourism Finance Corporation TFCILTD · NSE
Price₹79.24
Fair Value₹28.43
Upside-64.1%
Quality67/100
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Evidence: High Range ₹18.13 – ₹43.33

Fair value as of: Jul 3, 2026

From 25 valuation models · updated today

Share price +4.4% over the past month.

Price vs Fair Value (12 months)

₹83.69 ₹49.88 Fair Value ₹28.43 Jul 2025 Jul 2026

12‑month range ₹49.88 – ₹83.69 · fair‑value band ₹18.13 – ₹43.33 · the ₹79.24 price screens above the ₹28.43 fair value. As of Jul 3, 2026.

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Analysis

Tourism Finance Corporation (TFCILTD) currently trades at ₹79.24, while our model-based Fair Value estimate is ₹28.43 — implying the stock looks roughly 64.1% overvalued today. We read business quality at 67/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

Over the trailing twelve months, Tourism Finance Corporation generated revenue of ₹1.8B at a net margin of 67.2%. Revenue grew 20.4% year over year. It earns a return on equity of 9.8%. Net debt stands at ₹10.1B. Fundamentals as of Jul 3, 2026

Key figures & financial health

Revenue (TTM) ₹1.8B
Revenue growth (YoY) +20.4%
Net margin 67.2%
Return on equity 9.8%
Free cash flow ₹1.2B FY2026
P/E ratio 29.7
More key figures
Operating margin 82.2%
EPS (TTM) ₹2.67
Dividend yield 0.8%
EPS growth (YoY) +5.9%
Net debt ₹10.1B FY2026

Figures from reported company fundamentals (EODHD) · as of Jul 3, 2026. TTM = trailing twelve months.

About the company

Tourism Finance Corporation of India Limited, a financing institution, provides financial assistance services in India. The company offers financial assistance by way of loans/investments for projects in tourism/hospitality, social infrastructure, residential real estate, manufacturing, educational institutions, hospitals, renewable energy, and logistics sectors. It also provides finance to non-banking and housing finance companies for secured onward lending. Tourism Finance Corporation of India Limited was incorporated in 1989 and is based in New Delhi, India.

Revenue & earnings trend

FY2022 – FY2026 · reported fiscal years

Tourism Finance Corporation reported revenue of ₹2.8B in FY2026 versus ₹2.5B in FY2022, a compound +2.6%/yr. Reported net income was ₹1.2B in FY2026, compounding +9.7%/yr from FY2022.

Revenue +2.6%/yr
FY22 ₹2.5B
FY23 ₹2.3B
FY24 ₹2.3B
FY25 ₹2.4B
FY26 ₹2.8B
Net income +9.7%/yr
FY22 ₹853M
FY23 ₹879M
FY24 ₹911M
FY25 ₹1.0B
FY26 ₹1.2B

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6 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jul 3, 2026).

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Frequently asked questions

Is Tourism Finance Corporation (TFCILTD) undervalued?
As of Jul 3, 2026, our model estimates a fair value of ₹28.43 versus a price of ₹79.24 — about −64% (overvalued). Model-based estimate, not financial advice.
What is the fair value of TFCILTD?
Our model-based fair value for Tourism Finance Corporation is ₹28.43 (as of Jul 3, 2026), built from audited fundamentals. The current price is ₹79.24.
What is the quality score of TFCILTD?
Tourism Finance Corporation has a Quality Score of 67/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of Tourism Finance Corporation (TFCILTD)?
Tourism Finance Corporation reported trailing-twelve-month revenue of about ₹1.8B (latest available figure, as of Jul 3, 2026).
What is the net profit margin of TFCILTD?
The net profit margin of Tourism Finance Corporation is about 67.2%, meaning it keeps roughly 67.2% of revenue as net income. Based on the latest reported figures.
Does Tourism Finance Corporation pay a dividend?
Tourism Finance Corporation currently shows a dividend yield of about 0.77% relative to its recent price (as of Jul 3, 2026).

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.