TCI Finance Limited — financial distress indicators
Financial-health summary
TCI Finance Limited's reported numbers place it in the 'Watch' financial-health band (distress score 47/100). The main indicators are negative book equity, latest year loss-making and deep share-price drawdown.
Stress by dimension
Share price — last 12 months
Indicators behind the score
Each red flag shows the evidence from the company’s own filings and the financial or legal principle behind it. Points add to the 0–100 score.
Equity is zero or negative.
A financial institution with no equity cushion is technically insolvent; regulators intervene before this point.
Net income is negative.
Losses at a financial institution consume regulatory capital directly.
Price is -61% from its 52-week high.
For financial firms a share-price run often precedes a deposit or funding run (confidence channel).
Revenue vs net income
Cash generation
Debt vs cash vs equity
✅ Mitigating factors
- No material mitigating factors found in the available data.
📰 Recent news scan
- TCI Finance TCIFINANCE Reg 74(5) Certificate Q2 FY27 - Kalkine IndiaGoogle News · 2026-10-05
- TCI Finance Limited Q2 2026 Earnings: Nil Revenue and ₹1.39 Loss Per Share, Stock Still Gains 2.07% - https://www.siam.in/Google News · 2026-09-30
- TCI Finance Share: Bull Case vs Bear Case for 2026 - UnivestGoogle News · 2026-09-25
- TCI Finance Ltd leads gainers in 'B' group - Business StandardGoogle News · 2026-06-08
⚖️ Indian legal pathway — NBFC / housing-finance insolvency
- NBFCs and HFCs with assets of ₹500 crore or more can be taken to the NCLT only on an application by the RBI (IBC §227 read with the FSP Insolvency Rules, 2019) — e.g. DHFL (2019), SREI (2021), Reliance Capital (2021).
- The RBI usually supersedes the board and appoints an administrator first; RBI's PCA framework for NBFCs adds early restrictions.
- Warning signs: asset-liability mismatch, reliance on short-term commercial paper, rising stage-3 assets and rating downgrades.
Frequently asked questions
What do TCI Finance Limited's financial-health indicators show?
As of 2026-10-09, TCI Finance Limited's public financial data places it in the 'Watch' band with a distress score of 47/100, driven by negative book equity, latest year loss-making and deep share-price drawdown. This is a statistical screen of reported numbers — it does not mean the company is insolvent, has defaulted or will enter insolvency proceedings.
What is TCI Finance Limited's financial distress score?
47/100 ('Watch').
What works in TCI Finance Limited's favour?
No material mitigating factors were found in the available data.
How are shareholders treated if a company enters insolvency?
Under the IBC the Committee of Creditors controls the resolution; the §53 waterfall pays secured creditors and workers first and equity last. In most resolution plans existing shareholders are wiped out or left with a token stake, and the company may be delisted.
Other Bank & Finance companies with distress indicators
- Blue Chip India Limited (BLUECHIP)Weak 53/100
- Williamson Magor & Co. Limited (WILLAMAGOR)Weak 51/100
- Capital Trust Limited (CAPTRUST)Weak 50/100
- TruCap Finance Limited (TRU)Watch 46/100
- DCM Financial Services Limited (DCMFINSERV)Watch 43/100
- Centrum Capital Limited (CENTRUM)Watch 36/100
Methodology
Score = capped sum of rule-based red flags across seven dimensions (liquidity, solvency, profitability, cash flow, sales trend, market signal, news). Ohlson O-score (1980) gives an accounting-based 1-year failure probability; Merton distance-to-default (Bharath & Shumway 2008) gives a market-implied probability. Financial institutions use a capital-based rule set. Recalculated every trading day from the latest filings, prices and news.