TSF Investments
TSF Investments
Financial ServicesKey Fundamentals
MicrocapInvestment CompanyFinancial ServicesTapetide Score
Data-driven rating, 0–100. How it works →
Key Insights
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%
Weaknesses
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
Growth Rate
AI Analysis — Bull vs Bear
anthropic claude-opus-4.6 44d agoTsf Investments Ltd is a small-cap financial services company with a market cap of ₹10,061 Cr, trading at a PE of 18.6x with a dividend yield of 2.52%. The company has shown strong 5-year profit CAGR of 45% and explosive TTM sales growth of 564%, but carries a modest 3-year average ROE of 9% and faces deteriorating working capital efficiency.
- Company is almost debt free, providing financial flexibility and low interest burden in a rising rate environment
- Strong 5-year compounded profit growth of 45% CAGR demonstrates sustained earnings momentum
- TTM sales growth of 564% signals a significant scale-up in revenue generation
- Healthy dividend payout ratio of 37% indicates shareholder-friendly capital allocation and earnings quality
- Dividend yield of 2.52% is attractive relative to many financial services peers
- 3-year stock CAGR of 52% reflects strong wealth creation over the medium term
- 3-year compounded sales growth of 124% shows the revenue acceleration is not just a one-year phenomenon
- PE of 18.6x is reasonable for a financial services company delivering 45% profit CAGR over 5 years
- Low return on equity of 9.37% over 3 years suggests suboptimal capital efficiency for a financial services firm
- Debtor days have increased sharply from 31.9 to 74.1 days, indicating potential collection challenges or credit quality concerns
- Working capital days have risen from 44.3 to 65.7 days, suggesting deteriorating operational efficiency
- 1-year stock return of -8% shows recent negative price momentum despite strong reported growth
- Last year ROE declined to 8% from the 3-year average of 9%, indicating a worsening capital return trend
- Price-to-book of 1.63x combined with single-digit ROE implies the market may already be pricing in future growth that has not materialized in returns
- TTM profit growth of only 16% versus TTM sales growth of 564% suggests significant margin compression or one-time revenue items not flowing to the bottom line
- Absence of 10-year historical data for key metrics limits visibility into long-term cyclicality and sustainability
This is AI-generated analysis, not financial advice. Do your own due diligence.
AI News Digest
anthropic claude-opus-4.6 101d ago- Net profit up 28.66% YoY May 19
TSF Investments reported consolidated net profit of ₹530.21 crores for FY26, representing a 28.66% year-on-year increase.
- Dividend of ₹11.15 recommended May 19
The Board recommended a total dividend of ₹11.15 per share for FY26, signaling confidence in cash flow sustainability.
TL;DR: TSF Investments delivered strong FY26 results with nearly 29% profit growth and a healthy dividend payout. No visible headwinds emerged from recent coverage. The earnings trajectory is clearly improving, though limited news flow makes it difficult to assess sustainability or sector-level risks going forward.
Quarterly Results
| Particulars | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 24 | 24 | 25 | 218 | 43 | 30 | 33 | 49 | 179 | 250 | 258 | 298 | 306 |
| Expenses | 14 | 11 | 12 | 11 | 9 | 9 | 9 | 12 | 132 | 200 | 210 | 240 | 234 |
| Operating Profit | 10 | 13 | 13 | 207 | 34 | 21 | 24 | 37 | 47 | 50 | 49 | 57 | 71 |
| OPM % | 41% | 54% | 52% | 95% | 79% | 70% | 72% | 76% | 26% | 20% | 19% | 19% | 23% |
| Other Income | 1 | 2 | 2 | 0 | 1 | 2 | 0 | 2 | 43 | 4 | 2 | 9 | 1 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 5 | 7 | 7 | 7 | 7 |
| Depreciation | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 3 | 4 | 4 | 4 | 4 |
| PBT | 10 | 14 | 15 | 206 | 34 | 22 | 23 | 38 | 82 | 44 | 40 | 56 | 61 |
| Tax % | 133% | 37% | 24% | 15% | 29% | 35% | 25% | 44% | 24% | 36% | 37% | 9% | 46% |
| Net Profit | 71 | 91 | 102 | 269 | 110 | 89 | 106 | 107 | 158 | 103 | 105 | 164 | 125 |
| EPS in Rs | 3.18 | 4.08 | 4.61 | 12.13 | 4.97 | 4 | 4.76 | 4.82 | 7.13 | 4.52 | 4.64 | 7.25 | 5.5 |
Profit & Loss
| Particulars | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 69 | 100 | 93 | 59 | 85 | 91 | 291 | 155 | 1,027 | 1,112 |
| Expenses | 49 | 59 | 62 | 48 | 61 | 45 | 48 | 39 | 782 | 884 |
| Operating Profit | 21 | 41 | 31 | 10 | 24 | 46 | 243 | 116 | 245 | 228 |
| OPM % | 30% | 41% | 33% | 18% | 28% | 50% | 83% | 75% | 24% | 20% |
| Other Income | 3 | 2 | 5 | 6 | 3 | 3 | 6 | 5 | 18 | 17 |
| Interest | 0 | 0 | 0 | 0 | 1 | 0 | 1 | 1 | 25 | 27 |
| Depreciation | 1 | 1 | 1 | 2 | 4 | 2 | 3 | 3 | 16 | 17 |
| PBT | 23 | 42 | 35 | 14 | 22 | 47 | 245 | 117 | 221 | 201 |
| Tax % | 22% | 28% | 16% | 32% | 21% | 32% | 21% | 34% | 25% | — |
| Net Profit | 130 | 137 | 78 | 74 | 161 | 238 | 533 | 412 | 530 | 497 |
| EPS in Rs | 5.84 | 6.19 | 3.52 | 3.33 | 7.35 | 10.7 | 24 | 18.55 | 23.49 | 21.91 |
| Div. Payout % | 17% | 19% | 24% | 10% | 37% | 37% | 32% | 32% | 47% | — |
Balance Sheet
| Particulars | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 76 | 76 | 76 | 76 | 111 | 111 | 111 | 111 | 111 |
| Reserves | 2,736 | 2,290 | 1,782 | 2,119 | 2,891 | 3,459 | 4,682 | 5,496 | 5,922 |
| Borrowings | 0 | 0 | 2 | 4 | 3 | 18 | 18 | 16 | 235 |
| Other Liabilities | 128 | 87 | 63 | 107 | 90 | 46 | 137 | 214 | 475 |
| Total Liabilities | 2,940 | 2,453 | 1,922 | 2,306 | 3,096 | 3,635 | 4,948 | 5,837 | 6,743 |
| Fixed Assets | 6 | 6 | 9 | 10 | 9 | 41 | 40 | 49 | 423 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 |
| Investments | 2,910 | 2,420 | 1,879 | 2,269 | 3,053 | 3,553 | 4,708 | 5,738 | 5,781 |
| Other Assets | 24 | 27 | 35 | 27 | 34 | 40 | 200 | 50 | 538 |
| Total Assets | 2,940 | 2,453 | 1,922 | 2,306 | 3,096 | 3,635 | 4,948 | 5,837 | 6,743 |
Cash Flow
| Particulars | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|
| Operating | 147 | 58 | 62 | 19 | 30 | 100 | 132 | 188 | 266 |
| Investing | -146 | -30 | -11 | -10 | -345 | -25 | 136 | -144 | -145 |
| Financing | -1 | -28 | -46 | -8 | 319 | -73 | -103 | -211 | -50 |
| Net Cash Flow | 1 | 1 | 5 | 1 | 3 | 2 | 166 | -167 | 71 |
| Free Cash Flow | 146 | 80 | 60 | 18 | 30 | 82 | 131 | 187 | 263 |
| CFO/OP | 735 | 173 | 218 | 221 | 173 | 250 | 69 | 195 | 124 |
Ratios
| Particulars | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 55 | 38 | 30 | 33 | 22 | 28 | 8 | 14 | 74 |
| Inventory Days | — | — | — | — | — | — | — | — | 113 |
| Days Payable | — | — | — | — | — | — | — | — | 89 |
| Cash Conversion Cycle | 55 | 38 | 30 | 33 | 22 | 28 | 8 | 14 | 98 |
| Working Capital Days | 61 | 60 | 69 | 34 | 52 | 69 | 13 | 54 | 66 |
| ROCE % | — | 2% | 2% | 1% | 1% | 1% | 6% | 2% | 3% |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
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41 extracted metrics + investor summaries across FY18–FY26.
Documents
Frequently Asked Questions about TSF Investments
What does Tsf Investments Ltd do?
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Company Information
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. [1]
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