Loading…
TSF Investments Ltd
NSE: TSFINV INE202Z01029 Financial Services NBFC 🔎 Screen
Microcap 250
₹9,588 Cr
Market Cap
1.65
P/B
3.4%
ROCE
8.2%
ROE
0.04
D/E
20.3%
Fin. Margin
-35.4%
% from 52W High
📈 Price History
Ratio Health
Excellent
Good
Average
Poor
By Category
Shareholding
About

Sundaram Finance Holdings Ltd is primarily engaged in the business of Investments, business processing, and support services. It has a 100% subsidiary which is an outsourcing company offering various support services to large and mid-sized firms in and outside India.

✓ Strengths 4
  • Company is almost debt free.
  • Company is expected to give good quarter
  • Company has delivered good profit growth of 45.3% CAGR over last 5 years
  • Company has been maintaining a healthy dividend payout of 37.0%
! Concerns 3
  • Company has a low return on equity of 9.37% over last 3 years.
  • Debtor days have increased from 31.9 to 74.1 days.
  • Working capital days have increased from 44.3 days to 65.7 days
Key Ratios Snapshot
📊 Sector Averages
📈 Growth Pattern
📊 Quick Scorecard
Loading…
🔒
Premium Feature
AI-generated 10-section company profile — business model, financials, strengths, risks & management quality
Upgrade to Premium
Already a member? Log in
📐
3-Statement Financial Model
Bear / Base / Bull projections · DCF fair value · Reverse-DCF
Open Model →
📊 MIXED Revenue surges 70.9% but PAT falls 20.9% on tax hit
Revenue
Revenue jumped 70.9% YoY to ₹306.0 Cr, with modest 2.7% QoQ growth. This strong topline expansion indicates robust business momentum versus the year-ago quarter.
Profitability
Net profit declined 20.9% YoY to ₹125.0 Cr despite higher revenue, due to a 46% effective tax rate and lower operating margin. EPS fell to ₹5.50 from ₹7.13 YoY.
Margins
Operating profit margin contracted to 23% from 26% YoY, but improved from 19% QoQ. Higher interest and depreciation costs (₹7 Cr and ₹4 Cr) also pressured profitability.
Cash Flow
No cash flow data provided in this release.
Balance Sheet
Debt-to-equity is low at 0.04, indicating minimal leverage. Interest expense of ₹7 Cr suggests modest borrowing.
Key Risks
High effective tax rate of 46% may persist and pressure future earnings. Operating margin contraction YoY signals rising costs. PAT has fallen for two consecutive quarters (QoQ -23.8%), indicating negative momentum.
Outlook
Strong revenue growth provides a solid base, but margin and tax headwinds need to ease for profit recovery. QoQ margin improvement offers some hope, but sustained profitability depends on cost control and tax normalization.
Generated by AI · Jun 2026 results · Not investment advice
🔒
Free Account Required

Create a free Finmagine account to access Finmagine™ Scorecard.

See how this company scores across 5 dimensions — Financial Health, Growth Prospects, Competitive Position, Management Quality, and Valuation — powered by 30+ computed ratios.

Create Free AccountLog In
🔒
Premium Feature

Upgrade to Finmagine Premium to unlock Ask AI.

Get 25 expert AI analysis templates — Business KPIs, Comprehensive, Forensic Governance, Peer Comparison, Risk-Reward, Full Research Report, IPO Decoder, Red Flag Detector, and more — ready to paste into ChatGPT, Claude, Gemini, or Perplexity.

Upgrade to PremiumCreate Free Account
🔒
Premium Feature

Upgrade to Finmagine Premium to unlock Peer Comparison.

Compare this company side-by-side against its sector peers with financial metrics, ratio benchmarking, and relative performance across all key dimensions.

Upgrade to PremiumCreate Free Account
🔒
Premium Feature

Upgrade to Finmagine Premium to unlock Documents.

Access concall transcripts, annual reports, credit ratings, and investor presentations.

Upgrade to PremiumCreate Free Account

📊 Analysis Methodology

This comprehensive investment analysis was conducted using The Finmagine™ Stock Analysis & Ranking Methodology, a proprietary framework that systematically evaluates stocks across five critical dimensions: Financial Health, Growth Prospects, Competitive Positioning, Management Quality, and Valuation.

🎯
Discover Our Proven Investment Framework Learn how we analyze and rank stocks using advanced quantitative models, multi-dimensional scoring systems, and dynamic discriminatory ranking techniques that have guided successful investment decisions across market cycles.
📊 Explore The Finmagine™ Methodology

A comprehensive, bias-free framework for analyzing and ranking stocks by Financial Strength, Growth Potential, Competitive Edge, Management Quality, and Value.

⚠️ Important Disclaimers — Please read without fail.

Investment Risk:
Investing in securities, including equities and mutual funds, involves inherent risks, including the potential loss of principal. All investments are subject to market fluctuations, regulatory changes, and other risks that may affect their value. Past performance is not indicative of future results. This report is provided for informational and educational purposes only and should not be construed as investment advice under any circumstances.

No Investment Recommendation:
This report does not constitute, nor should it be interpreted as, an offer, solicitation, or recommendation to buy, sell, or hold any securities or financial products. Investors are strongly advised to conduct their own independent research and due diligence and to consult with a SEBI-registered investment adviser or other qualified financial professional before making any investment decisions, taking into account their individual financial situation, risk tolerance, and investment objectives.

Conflict of Interest Disclosure:
The author and/or analyst may currently hold or have previously held positions in the securities or financial instruments discussed in this report. Any such positions, if material, are disclosed to the best of the author's knowledge and are not intended to influence the objectivity or independence of the analysis. This research is produced independently and is not sponsored, endorsed, or commissioned by any company, institution, or third party.

Information Sources:
The analysis and opinions expressed herein are based on publicly available information, including but not limited to company filings with the BSE/NSE, annual reports, management commentary, investor presentations, data from the Reserve Bank of India (RBI), SEBI, industry publications, and other reliable financial data sources. Information is believed to be accurate as of the date of publication but may be subject to change without notice. Readers are encouraged to independently verify all information before acting upon it.

Forward-Looking Statements:
This report may contain forward-looking statements, forecasts, or projections that are inherently subject to risks, uncertainties, and assumptions. Actual results may differ materially from those expressed or implied. The author does not undertake any obligation to update such statements in the future.

Regulatory Compliance:
This report is intended to comply with the Securities and Exchange Board of India (Research Analysts) Regulations, 2014, as amended, and other applicable Indian laws and regulations.

Limitation of Liability:
The content of this report is provided "as is" without any warranties, express or implied, including accuracy, completeness, merchantability, or fitness for a particular purpose. The author and publisher expressly disclaim any liability for errors, omissions, or any losses incurred as a result of reliance on the information provided. Readers assume full responsibility for their investment decisions.