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TI Financial Holdings Ltd

Updated on May 16, 2019

Stock/Share Code - TIFIN

TI Financial Holdings is engaged in Financial Services Businesses through its Subsidiaries, Joint Venture and Associate Company viz., Insurance Business (through its Subsidiary - Cholamandalam MS General Insurance Company Limited for its General Insurance business, and has incorporated Cholamandalam Health Insurance Limited ('CHIL') for the purpose of undertaking Health Insurance business on receipt of regulatory approvals), Risk Services (through its Joint Venture Company, Cholamandalam MS Risk Services Limited), Non-Banking Financial Business (through its Associate Company, Cholamandalam Investment and Finance Company Limited).

Below is the details of TIFIN TI Financial Holdings Ltd

Market Cap₹8,223 Cr.
Current Price ₹492.15 as on 8 Apr 19
52 Week High / Low Price₹740 / ₹414.2
Face Value₹1
Stock P/E124.83
Book Value₹55.59
Dividend Yield0.29 %
ROCE6.18 %
ROE5.98 %
Sales Growth (3yrs)-74.37 %
SectorFinance
IndustryFinance & Investments
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros: Company is virtually debt free. Market value of investments Rs.10479.31 Cr. is more than the Market Cap Rs.8222.80 Cr. Company has been maintaining a healthy dividend payout of 38.97%
Cons: Stock is trading at 7.88 times its book value The company has delivered a poor growth of -55.19% over past five years. Tax rate seems low Company has a low return on equity of 4.67% for last 3 years.

TI Financial Holdings Ltd Price Chart

TI Financial Holdings Ltd Price Chart

TI Financial Holdings Ltd Peer Comparison in Finance

S.No. Name CMP Rs. P/E Mar Cap Rs.Cr. Div Yld % NP Qtr Rs.Cr. Qtr Profit Var % Qtr Sales Var % Sales Qtr Rs.Cr. ROCE %
1. Bajaj Fin. ₹3,047.2 43.50 ₹153,103.83 Cr. 0.15 ₹1,022.73 Cr. 47.84 39.42 4664.77 12.74
2. Bajaj Finserv ₹3,047.2 34.08 ₹102,840.92 Cr. 0.03 ₹850.52 Cr. 16.43 39.17 11141.05 14.64
3. Bajaj Holdings ₹3,047.2 11.86 ₹35,223.84 Cr. 1.26 ₹781.1 Cr. 18.12 6.84 109.61 4.54
4. L&T Fin.Holdings ₹123.05 11.91 ₹24,825.25 Cr. 0.80 ₹579.93 Cr. 80.78 27.55 3243.99 9.19
5. Muthoot Finance ₹618.7 11.06 ₹21,153.18 Cr. 1.89 ₹485.25 Cr. 1.37 8.62 1716.52 16.65
6. Shriram Trans. ₹7.6 13.85 ₹25,915.37 Cr. 0.96 ₹635.45 Cr. 17.34 18.19 3991.04 10.90
7. M & M Fin. Serv. ₹640.55 17.57 ₹24,485.12 Cr. 1.00 ₹318.65 Cr. -11.32 22.21 2222.52 9.75
8. TI Financial 124.83 ₹8,222.8 Cr. 0.29 ₹2.05 Cr. 64.00 29.64 3.63 6.18

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TI Financial Holdings Ltd Fundamentals

Quarterly Results

Quarterly reports are issued by companies every three months. Most companies have a financial year-end of Mar. 31 and quarters that end on June 30, Sept. 30, Dec. 31 and March 31.

Standalone Figures in Rs. Crores

Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018
Sales1,059.000.1414.640.0025.290.0026.262.8035.593.8929.533.63
YOY Sales Growth %17.22%-99.99%-98.48%-100%-97.61%-100%79.37%%40.73%%12.45%29.64%
Expenses1,002.731.011.120.301.350.341.380.680.830.330.550.52
Material Cost %62.26%0%0%%0%%0%0%0%0%0%0%
Employee Cost %9.17%0%0%%0%%0.53%8.57%0.67%4.88%0.71%6.34%
Operating Profit56.27-0.8713.52-0.3023.94-0.3424.882.1234.763.5628.983.11
OPM %5.31%-621.43%92.35%94.66%94.74%75.71%97.67%91.52%98.14%85.67%
Other Income844.840.000.000.000.000.000.000.000.020.000.000.00
Interest31.960.000.000.000.000.000.000.000.000.000.000.00
Depreciation29.200.000.000.000.000.000.000.000.000.000.000.00
Profit before tax839.95-0.8713.52-0.3023.94-0.3424.882.1234.783.5628.983.11
Tax %20.01%-0.00%0.00%-0.00%0.00%-0.00%0.00%41.04%3.39%31.74%4.11%34.08%
Net Profit671.84-0.8713.52-0.3023.94-0.3424.881.2533.602.4327.792.05
NotesNotesNotesNotesNotesNotesNotesNotesNotesNotesNotesNotes

Profit & Loss

The profit and loss (P&L) statement is a financial statement that summarizes the revenues, costs and expenses incurred during a specified period, usually a fiscal quarter or year. The P&L statement is synonymous with the income statement. These records provide information about a company's ability or inability to generate profit" by increasing revenue, reducing costs or both. Some refer to the P&L statement as a statement of profit and loss, income statement, statement of operations, statement of financial results or income, earnings statement or expense statement.

Standalone Figures in Rs. Crores

Mar 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018TTM
Sales1,5831,7272,0422,3222,9513,4873,5753,5393,8364,769406573
Sales Growth %10.3%9.15%18.23%13.69%27.07%18.17%2.54%-1.02%8.4%24.31%-99.16%61.27%%
Expenses1,4181,5961,9482,0722,6043,0873,2423,1963,5103,601432
Material Cost %60.84%63.35%66.54%61.14%61.02%62%63.16%61.59%63.2%50.99%0%0%%
Manufacturing Cost %12.81%12.49%11.69%11.87%12.23%11.2%11.68%12.07%11.95%10.11%0%0%%
Employee Cost %7.28%8.21%7.6%7.67%8.25%7.43%7.66%8.46%9.11%7.51%0%0.96%%
Other Cost %8.69%8.3%9.54%8.55%6.74%7.91%8.18%8.2%7.25%6.9%9.43%4.04%%
Operating Profit164132942503473993333433261,168366170
OPM %10%8%5%11%12%11%9%10%8%24%91%95%97%
Other Income932676-2531108663000
Interest112128296879107125140137000
Depreciation505359676976808497111000
Profit before tax1958383130241245147141155924366170
Tax %20%32%13%37%30%27%29%33%22%21%0%3%
Net Profit15656728117018010494121730365966
EPS in Rs8.182.893.744.158.709.275.404.926.2837.971.683.16
Dividend Payout %18%33%26%34%33%31%36%40%31%13%65%39%

Compounded Sales Growth

  • 10 Years:: -28.01%
  • 5 Years:: -55.19%
  • 3 Years:: -74.37%
  • TTM:: 33.65%

Compounded Profit Growth

  • 10 Years:: 1.35%
  • 5 Years:: -10.60%
  • 3 Years:: -13.70%
  • TTM:: 32.46%

Return on Equity

  • 10 Years:: 8.52%
  • 5 Years:: 5.70%
  • 3 Years:: 4.67%
  • TTM:: 5.98%

Balance Sheet

A balance sheet is a financial statement that reports a company's assets, liabilities and shareholders' equity at a specific point in time, and provides a basis for computing rates of return and evaluating its capital structure. It is a financial statement that provides a snapshot of what a company owns and owes, as well as the amount invested by shareholders. It is used alongside other important financial statements such as the income statement and statement of cash flows in conducting fundamental analysis or calculating financial ratios.

Standalone Figures in Rs. Crores

Mar 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Sep 2018
Share Capital37373737373737373737191919
Equity Capital36.9536.9536.9536.9537.1337.2637.3337.3837.4337.4718.7518.75
Reserves6196817007809541,0781,1441,2011,2831,9029509991,025
Borrowings2063284007067248321,3021,3631,4211,374000
Other Liabilities526439451544670712666785844888234
Trade Payables244.84296.95221.34298.95458.75496.13333.71378.84440.55622.1200.362.89
Total Liabilities1,3881,4851,5882,0662,3862,6603,1503,3873,5854,2019711,0201,047
Fixed Assets364461514528561607632694904832000
Gross Block734.06861.91964.021028.091105.751218.321299.751433.191732.21795.3600
Accumulated Depreciation369.82400.43449.87500.46544.91611.81668.14738.91827.95926.7100
CWIP10657304327381601973656000
Investments1913174547499119301,4441,5061,5231,461914938957
Other Assets7286495907468871,0849149901,1211,852578390
Inventories205.8227.04233.81294.39387.69410356.77370.21468.23458.31000
Trade receivables277.23287.94243.97325.78373.37435.85394.4445.94477.94490.85000
Cash Equivalents17.2518.0212.078.6213.6485.9233.2730.2725.73734.552.4782.2288.6
Loans n Advances227.58115.9599.98117.6656.2857.8551.2278.5287.9116.56550.390
Total Assets1,3881,4851,5882,0662,3862,6603,1503,3873,5854,2019711,0201,047

Cash Flows

Cash flow is the net amount of cash and cash-equivalents being transferred into and out of a business. At the most fundamental level, a company’s ability to create value for shareholders is determined by its ability to generate positive cash flows, or more specifically, maximize long-term free cash flow.

Standalone Figures in Rs. Crores

Mar 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018
Cash from Operating Activity79151110152261254301279167135-19111
Profit from operations175148.23114.88264.05349.9365.01297.74303.14296.51351.8236.2957.72
Working Capital Changes-35.798.4812.62-58.57-23.18-42.1841.5413.82-95.71-16-54.9855.48
Taxes paid-59.91-5.85-17.92-53.98-65.69-68.45-38.38-38.28-33.51-200.710-1.78
Cash from Investing Activity-5-217-127-421-164-153-697-186-54794-608-45
Fixed Assets Purchased000-96.38-86.77-165.3-217.16-168.9-135.8-123.9500
Fixed Assets Sold2.1211.8831.4813.951.511.485.4466.682.3600
Capital WIP-139.68-108.83-86.91000000000
Investments purchased0-50.010-191.98000-3.19000-269.5
Investments sold129.261.3137.540.08235.5918.053.981.530.06883.470248.83
Cash from Financing Activity-1496711266-92-29343-96-117-220-106-11
Proceeds from Shares0000002.051.32.512.440.810.67
Proceeds from Borrowings27.91157.9898.94367.78303.67210.53550480.57386.6837500
Repayment of Borrowings-65.76-38.16-38.33-52.43-284.53-102.74-78.2-414.49-317.98-423.7900
Interest Paid-12.24-20.6-27.73-27.37-52.52-69.15-77.81-121.3-138.18-130.6100
Dividends Paid-98.56-32.35-21.59-21.56-63.49-72.15-50.08-37.84-39.2-43.01-107.12-11.67
Net Cash Flow-751-6-3572-53-3-4709-73355

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Ratios

Mar 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018
ROCE %16%10%6%15%18%18%11%10%10%8%2%6%
Debtor Days6461445146464046453800
Inventory Turnover8.527.988.868.798.658.749.339.749.1510.290.17

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Disclaimer:
All efforts have been made to ensure the information provided here is accurate as per time to time filling by company to exchanges. However, no guarantees are made regarding correctness of data. Investors are advised to validate/check information with exchanges or companies website before making any investment decisions.