TSF INVESTMENTS LTD (TSFINV) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of TSF INVESTMENTS LTD ₹219, price ₹409, upside -46.5%, quality 67 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 2, 2026.
How to read this chart
60‑month range ₹55.41 – ₹680.30 · fair‑value band ₹197.06 – ₹347.20 · the ₹409.15 price screens above the ₹219.03 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 2, 2026.
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TSF Investments Limited engages in the business of investments, and business processing and support services in India and internationally. It invests in the automotive sector. The company also offers outsourcing services to large and mid-sized firms. In addition, it engages in shared services business; and manufactures forge components.
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TSF Investments Limited engages in the business of investments, and business processing and support services in India and internationally. It invests in the automotive sector. The company also offers outsourcing services to large and mid-sized firms. In addition, it engages in shared services business; and manufactures forge components. The company was formerly known as Sundaram Finance Holdings Limited and changed its name to TSF Investments Limited in October 2025. TSF Investments Limited was incorporated in 1993 and is based in Chennai, India.
Stock analysis
TSF INVESTMENTS LTD (TSFINV) currently trades at ₹409.15, while our model-based Fair Value estimate is ₹219.03, 46.5% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of ₹827.50 per share, and 5 of the 13 models we run sit above the ₹409.15 price.
Bear case: the Dividend Discount group reads lowest at ₹114.66, and 8 of the 13 models stay below the price. Evidence for this calculation is high.
Scenario range: ₹197.06 (bear) to ₹347.20 (bull), the price of ₹409.15 sits above 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 67/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
TSF INVESTMENTS LTD reported revenue of ₹10.0B in FY2026 versus ₹809M in FY2022, a compound +87.7%/yr. Reported net income was ₹5.2B in FY2026, compounding +21.7%/yr from FY2022.
Key figures
Market cap ₹90.9B (≈ $944M) · P/E ratio 17.4 · P/S ratio 9.05 · EPS (TTM) ₹23.50 · Dividend yield 2.7% · Net margin 52.0% · Return on equity 9.1% · Return on assets (EBIT) 2.7%.
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 40% below its 52-week high and 21% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −15% fair-value upside, at −46%, TSFINV screens richer than that median.
Fair Value models
Bear ₹197.06Fair Value ₹219.03Bull ₹347.20
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 (₹6.26 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.86/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
What shareholders gained per year (last 5 years), in INR ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in INR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+22.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+19.4%
Dividend (yield on the price)2.7%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.19.4% vs 82.0%, slowing
Profit margin 2020 to 2026 ⓘ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.16% → 18%
Start year 2021 (pandemic)
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+28.2%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (India: IMF forecast 4.1% a year to 2030, 4.7% from 2016 to 2025) that is about +23.1% a year for the price.
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 · 652 stocks
Beats the industry median on 5/14 measures
Overall it trails its industry peers.
Valuation
Quality Score66 · Above median
Fair Value upside−46.5% · Bottom 25%
Profitability
Return on equity (TTM)9.1% · Above median
Return on assets1.9% · Below median
Net margin (TTM)53.0% · Above median
Operating margin (TTM)17.8% · Below median
Growth and dividend
Revenue growth499.1% · Top 25%
Dividend yield (TTM)2.7% · Below median
Balance sheet
Debt / equity0.04× · Below median
Valuation Multiplesvs Asset Management median · lower = cheaper
P/E (TTM)17.4× · Pricier than median
P/B1.67× · Priciest 25%
P/S (TTM)10.21× · Priciest 25%
P/FCF40.7× · Priciest 25%
EV/EBITDA49.9× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 61
FUTURE (revenue growth)100· sector 35
PAST (return on equity)36· sector 23
HEALTH (low debt)98· sector 95
DIVIDEND (yield)55· sector 84
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Is TSF INVESTMENTS LTD (TSFINV) overvalued or undervalued?
As of Oct 2, 2026, our model estimates a fair value of ₹219.03 versus a price of ₹409.15, about −46% upside (overvalued).
What is the fair value of TSFINV?
Our model-based fair value for TSF INVESTMENTS LTD is ₹219.03 (as of Oct 2, 2026), built from audited fundamentals. The current price: ₹409.15.
What is the quality score of TSFINV?
TSF INVESTMENTS LTD has a Quality Score of 67/100. 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 TSF INVESTMENTS LTD (TSFINV)?
Our model-based price target is the fair value of ₹219.03 (as of Oct 2, 2026) from 13 valuation models. Cautious scenario ₹197.06, optimistic scenario ₹347.20. It is a calculation from audited fundamentals, not an analyst target.
What is the TSF INVESTMENTS LTD stock forecast for 2026?
Our models put fair value at ₹219.03, about −46% upside versus a price of ₹409.15 (overvalued). Cautious scenario ₹197.06, optimistic scenario ₹347.20. The calculation is refreshed regularly with new filings.
What is the revenue of TSF INVESTMENTS LTD (TSFINV)?
TSF INVESTMENTS LTD reported trailing-twelve-month revenue of about ₹9.8B (latest available figure, as of Oct 2, 2026).
Does TSF INVESTMENTS LTD pay a dividend?
TSF INVESTMENTS LTD currently shows a dividend yield of about 2.73% relative to its recent price (as of Oct 2, 2026).
What growth is priced into TSF INVESTMENTS LTD (TSFINV)?
For today's price to be fair in a discounted-cash-flow model, TSF INVESTMENTS LTD would have to grow free cash flow by +28.2 % per year for five years (discount rate 12.4 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +75.5 % per year. As of Oct 2, 2026.
What discount rate (WACC) does the fair value of TSFINV use?
Our models discount TSF INVESTMENTS LTD at 12.4 %: a base by market capitalisation (small), damped by beta 0.46, country premium for India. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For TSF INVESTMENTS LTD that is +28.2 % per year a year over ten years, using the same discount rate (12.4 %) and the same formula as our fair value.
How much growth has TSF INVESTMENTS LTD (TSFINV) delivered so far?
Over the past 5 years revenue at TSF INVESTMENTS LTD grew +75.5 % a year. The price currently implies +28.2 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of TSF INVESTMENTS LTD (TSFINV) growing?
The median revenue growth in the sector is +7.0 % a year. That is the yardstick for the growth priced into TSF INVESTMENTS LTD (+28.2 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of TSF INVESTMENTS LTD (TSFINV)?
The free-cash-flow yield on the price is 2.72 %: that much free cash flow TSF INVESTMENTS LTD produces per unit of market value. When it exceeds the discount rate of our models (12.4 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of TSF INVESTMENTS LTD (TSFINV)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For TSF INVESTMENTS LTD it is ₹219.03 per share (as of Oct 2, 2026), against a price of ₹409.15. It is the blended result of 13 valuation models (cash flow, earnings, asset, dividend).
Is TSF INVESTMENTS LTD stock overvalued or undervalued in 2026?
As of Oct 2, 2026, TSFINV trades above its calculated fair value: price ₹409.15, fair value ₹219.03, a gap of about −46% (overvalued). 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 TSFINV?
No. The price is what the market pays today (₹409.15); the fair value is what the company's own numbers justify (₹219.03). For TSF INVESTMENTS LTD the two are ₹190.12 per share apart. That gap is exactly why we show both numbers side by side.
How much is TSF INVESTMENTS LTD worth?
The market values TSF INVESTMENTS LTD at about ₹90.9B (market capitalisation, as of Oct 2, 2026). Per share that is ₹409.15; our models calculate a fair value of ₹219.03 per share.
What do the bullish and bearish scenarios say about TSFINV?
Our models span a range for TSF INVESTMENTS LTD: cautious scenario ₹197.06, base ₹219.03, optimistic ₹347.20 per share (as of Oct 2, 2026, price ₹409.15). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of TSFINV?
TSF INVESTMENTS LTD trades at a price-to-earnings ratio of 17.4 (as of Oct 2, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹219.03 is built from several models across several years. Other multiples: P/B 1.7, P/S 10.2, EV/EBITDA 49.9.
How solid is the balance sheet of TSF INVESTMENTS LTD (TSFINV)?
Balance-sheet figures for TSF INVESTMENTS LTD (as of Oct 2, 2026): return on equity 9.1%, debt of 0.04 per unit of equity. They feed the Quality Score of 67/100, which measures business quality independently of the share price.
How far is TSFINV from its 52-week high?
TSF INVESTMENTS LTD trades at ₹409.15, about 40% below its 52-week high of ₹680.30 and 21% above the low of ₹337.65 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of ₹219.03 is for.
Which stocks are comparable to TSF INVESTMENTS LTD?
From the same area (Financial Services) 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 TSF INVESTMENTS LTD stock attractive at the current price?
The data as of Oct 2, 2026: price ₹409.15, calculated fair value ₹219.03 (−46%), Quality Score 67/100, from 13 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 TSFINV calculated?
We run TSF INVESTMENTS LTD through 13 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 ₹219.03, 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. TSF INVESTMENTS LTD itself currently trades above fair value. 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 TSF INVESTMENTS LTD (TSFINV)?
The closing price on Oct 1, 2026 was ₹409.15. Our model-based fair value is ₹219.03, about −46% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with TSF INVESTMENTS LTD right now?
The price sits above even our optimistic bull case (₹347.20). The favourable scenario is already priced in. Solid but not exceptional quality (67/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of TSF INVESTMENTS LTD (TSFINV) come from?
Earnings per share at TSF INVESTMENTS LTD grew +20.2 % a year from 2015 to 2026. Broken into its drivers: revenue per share +59.5 %, EBIT margin −20.3 %, tax rate −0.6 %, residual (interest, one-offs) −4.8 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of TSF INVESTMENTS LTD
How large is the market capitalisation of TSF INVESTMENTS LTD (TSFINV)?
The market capitalisation of TSF INVESTMENTS LTD is ₹90.9B (≈ $944M). 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 TSF INVESTMENTS LTD (TSFINV)?
The price-to-sales ratio of TSF INVESTMENTS LTD is 9.05 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of TSF INVESTMENTS LTD (TSFINV)?
Earnings per share at TSF INVESTMENTS LTD are ₹23.50 (price ÷ EPS = P/E 17.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of TSF INVESTMENTS LTD (TSFINV)?
The dividend yield of TSF INVESTMENTS LTD is 2.7% (payout 47.4%). 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 TSF INVESTMENTS LTD (TSFINV)?
The net margin of TSF INVESTMENTS LTD is 52.0% (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 TSF INVESTMENTS LTD (TSFINV)?
The return on equity (ROE) of TSF INVESTMENTS LTD is 9.1% (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 TSF INVESTMENTS LTD (TSFINV)?
On an EBIT basis the return on assets of TSF INVESTMENTS LTD is 2.7% (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 TSF INVESTMENTS LTD (TSFINV)?
The operating margin of TSF INVESTMENTS LTD is 17.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at TSF INVESTMENTS LTD (TSFINV)?
Revenue at TSF INVESTMENTS LTD is growing +499% versus a year earlier (3y avg +123%). 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 TSF INVESTMENTS LTD (TSFINV)?
Earnings per share at TSF INVESTMENTS LTD are growing +50.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does TSF INVESTMENTS LTD (TSFINV) carry?
The net debt of TSF INVESTMENTS LTD is ₹930M (fiscal year 2026, ≈ 0.4 yrs of FCF). 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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