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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
History
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
Tourism Finance Corporation of India Limited is a specialized financial institution and non-banking finance company. Its principal business is providing Rupee Finance by means of loans and debt investments. The Company provides finance to educational institutions, healthcare…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A decent, steadily growing business, priced for perfection.
TOURISM FINANCE CORP. OF is scored on the nbfc / financials framework. It keeps a fat 45.1% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 6%/yr and profit at 12%/yr. Book value has grown 9%/yr. Return on equity is a modest 8.9%. In the latest quarter profit grew 91% versus the prior quarter.
At 60× earnings, the stock sits at the 100th percentile of its own 3.6-year range — the expensive end of where it has historically traded. Today's price implies ~17%/yr earnings growth for a decade. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 37.34 | — | — |
| P/B | 3.12 | 5.98 | better |
| EV/EBITDA | 10.78 | — | — |
| ROE | 8.95 | 11.36 | worse |
| ROCE | 11.18 | 15.11 | worse |
| ROA | 4.39 | 7.76 | worse |
| Quick Ratio | 7.06 | 5.87 | better |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| Bajaj Finance | 30.6 | 5.5 | 17.6% |
| Bajaj Finserv | 13.6 | 3.5 | 12.7% |
| Shriram Finance | 17.8 | 2.0 | 11.4% |
Not applicable for this sector.
Revenue has grown every year across all 4 financial years shown. 6% CAGR — growing but slowly.
Net profit has risen every year — the hallmark of a compounder. Profit is growing faster than revenue (12% vs 6%) — margin expansion is at work.
Operating margin has expanded from 47% to 57% — the business is keeping more of each rupee earned. The gap between operating and net margin is widening — interest or tax costs are rising.
ROE at 9% — modest; the capital isn't working hard. Low variance across years — a predictable business that earns steadily on its equity base.
Profit grew faster than EPS (12% vs -35%) — share dilution is eroding per-share value. -35% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
3 of 4 years had negative operating cash flow — profitability on paper may not translate to cash.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue rose 10% sequentially — momentum is building. Run-rate stepping up — recent quarters average 14% above earlier ones.
Profit jumped 91% QoQ — check if this is operating leverage or a one-off item. Quarterly net margins are expanding (44% → 76%) — profitability per rupee of revenue is improving.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoters hold just 3.9% — widely held; sentiment-driven. FII stake up 5.1pp over 4 quarters — growing foreign interest.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.