Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
TCI FinanceBOM:501242 +2.59%28 Net Debt Paydown Yield % is 27.42% as of Aug. 14, 2026, which is 46% below its 10-year median of 50.71. GuruFocus rates BOM:501242 with a GF Score™ of 28/100. The stock has 1 warning sign investors should review. Among 475 Credit Services companies, TCI Finance ranks better than 90.53% on this metric.
Net Debt Paydown Yield % is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. It is a measure of a company's willingness and ability to reduce its debt.
As of today, TCI Finance's Net Debt Paydown Yield % was 27.42%.
TCI Finance (BOM:501242) Net Debt Paydown Yield % Explanation
Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced. In other words, it is a measure of the willingness and ability of a firm's management to pay down debt. Companies that have high debt paydown yields indicate that they are more aggressive with paying down debt.
In the calculation of Net Debt Paydown Yield %, we use the reductions of TTM average total debt one-year-ago and TTM average total debt at present, divided by its Market Cap.
TCI Finance Net Debt Paydown Yield % Related Terms
TCI Finance Net Debt Paydown Yield % Historical Data
* Premium members only.
The historical data trend for TCI Finance's Net Debt Paydown Yield % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
BOM:501242 vs V, MA, AXP: Net Debt Paydown Yield % Comparison
For the Credit Services subindustry, TCI Finance's Net Debt Paydown Yield %, along with its competitors' market caps and Net Debt Paydown Yield % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
TCI Finance Net Debt Paydown Yield % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, TCI Finance's Net Debt Paydown Yield % distribution charts can be found below:
* The bar in red indicates where TCI Finance's Net Debt Paydown Yield % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Net Debt Paydown Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.
What does a Net Debt Paydown Yield % of 27.42% mean?
TCI Finance (BOM:501242) has a Net Debt Paydown Yield % of 27.42% as of Aug. 14, 2026. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on TCI Finance and its competitors. This is 46% below median its historical median of 50.71. According to the industry distribution chart, TCI Finance ranks #45 out of 475 companies in the Credit Services industry, placing it in the top 9.5%.
Is TCI Finance's Net Debt Paydown Yield % too high?
TCI Finance's current Net Debt Paydown Yield % of 27.42% is 46% below median its 10-year median of 50.71. Based on the distribution chart, TCI Finance ranks #45 out of 475 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, TCI Finance has a GF Score™ of 28/100, reflecting its overall financial health beyond just this single metric.
How does TCI Finance's Net Debt Paydown Yield % compare to V and MA?
According to the Credit Services industry distribution chart, TCI Finance ranks #45 out of 475 companies for Net Debt Paydown Yield %. This places TCI Finance in the top 10% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Debt Paydown Yield % for a Credit Services company?
A good Net Debt Paydown Yield % depends on the Credit Services industry context. However, Net Debt Paydown Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Debt Paydown Yield % mean?
A high Net Debt Paydown Yield % can signal that a stock is expensive relative to its fundamentals. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on TCI Finance and its competitors. TCI Finance's current Net Debt Paydown Yield % is 27.42%, which is 46% below median its own 10-year median of 50.71. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is TCI Finance stock overvalued right now?
TCI Finance (BOM:501242) has a current Net Debt Paydown Yield % of 27.42%. The current Net Debt Paydown Yield % is 27.42%, which is 46% below median its 10-year median of 50.71. TCI Finance's overall GF Score™ is 28/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Debt Paydown Yield % calculated?
Net Debt Paydown Yield % is calculated from a company's financial statements. For TCI Finance (BOM:501242), the current Net Debt Paydown Yield % is 27.42% as of Aug. 14, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
TCI Finance Ltd is engaged in providing financial services. It is a non-banking financial company. The company provides various services like the loan against securities, commercial vehicle finance, patents trademark and copyright, Global Intellectual Property Convention, and other financial services. It generates majority revenue in the form of interest.
28GF Score
Get the complete analysis for BOM:501242
Net Debt Paydown Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BOM:501242 has been successfully added to your 
