Tourism Finance of IndiaNSE:TFCILTD -3.70%53 Net Margin % is 44.43% as of Mar. 2026, which is 16% above its 10-year median of 38.26. GuruFocus rates NSE:TFCILTD with a GF Score™ of 53/100 and a GF Value™ of ₹39.82 (Significantly Overvalued). The stock has 10 warning signs investors should review. Among 533 Credit Services companies, Tourism Finance of India ranks better than 86.68% on this metric.
The historical rank and industry rank for Tourism Finance of India's Net Margin % or its related term are showing as below:
NSE:TFCILTD'
s Net Margin % Range Over the Past 10 Years
Min: 30.09 Med: 38.26 Max: 47.91
Current: 47.91
NSE:TFCILTD's Net Margin % is ranked better than 86.68% of 533
companies
in the Credit Services industry
Industry Median: 14.54
vs NSE:TFCILTD: 47.91
Tourism Finance of India (NSE:TFCILTD) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Tourism Finance of India Net Margin % Related Terms
Tourism Finance of India Net Margin % Historical Data
* 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.
NSE:TFCILTD vs V, MA, AXP: Net Margin % Comparison
For the Credit Services subindustry, Tourism Finance of India's Net Margin %, along with its competitors' market caps and Net Margin % 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.
Tourism Finance of India Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Tourism Finance of India's Net Margin % distribution charts can be found below:
* The bar in red indicates where Tourism Finance of India's Net Margin % 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.
Tourism Finance of India (NSE:TFCILTD) has a Net Margin % of 44.43% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Tourism Finance of India and its competitors. This is 16% above median its historical median of 38.26. Over the past decade, Tourism Finance of India's Net Margin % has ranged from 30.09 to 47.91. According to the industry distribution chart, Tourism Finance of India ranks #71 out of 533 companies in the Credit Services industry, placing it in the top 13.3%.
Is Tourism Finance of India's Net Margin % too high?
Tourism Finance of India's current Net Margin % of 44.43% is 16% above median its 10-year median of 38.26. Over the past 10 years, this metric has ranged from a low of 30.09 to a high of 47.91. The Credit Services industry median Net Margin % is 14.54. Tourism Finance of India's value of 44.43% is 205.6% above this industry median. Based on the distribution chart, Tourism Finance of India ranks #71 out of 533 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Tourism Finance of India has a GF Score™ of 53/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Tourism Finance of India's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Tourism Finance of India ranks #71 out of 533 companies for Net Margin %. This places Tourism Finance of India in the top 13% of its industry — outperforming the majority of peers. The industry median Net Margin % is 14.54. Tourism Finance of India's value of 44.43% is 205.6% above this benchmark. Historically, Tourism Finance of India's own Net Margin % has ranged from 30.09 to 47.91 over the past decade. While the company's 10-year median is 38.26 vs. the industry median of 14.54, Tourism Finance of India has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.54, based on 533 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tourism Finance of India's current Net Margin % of 44.43% is 205.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Tourism Finance of India and its competitors. For the Credit Services industry, the median Net Margin % is 14.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tourism Finance of India's current Net Margin % is 44.43%, which is 16% above median its own 10-year median of 38.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Tourism Finance of India stock overvalued right now?
Based on GuruFocus' analysis, Tourism Finance of India (NSE:TFCILTD) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹39.82, compared to a current price of ₹75.54 — trading 89.7% above its estimated fair value. The current Net Margin % is 44.43%, which is 16% above median its 10-year median of 38.26 and 205.6% above the Credit Services industry median of 14.54. Tourism Finance of India's overall GF Score™ is 53/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Tourism Finance of India (NSE:TFCILTD), the current Net Margin % is 44.43% as of Mar. 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.
Is Tourism Finance of India (NSE:TFCILTD) Overvalued in 2026?
Based on GuruFocus' analysis, Tourism Finance of India stock appears to be overvalued.
The current stock price of ₹75.54 is trading 89.7% above its estimated GF Value™ of ₹39.82.
GuruFocus considers Tourism Finance of India to be Significantly Overvalued.
Key valuation signals for NSE:TFCILTD:
Net Margin %: 44.43% (16% above median its 10-year median of 38.26)
GF Value™: ₹39.82 vs. price of ₹75.54 (89.7% above fair value)
Industry Position: 205.6% above the Credit Services median (#71 of 533)
No single metric tells the full story. See the NSE:TFCILTD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Tourism Finance Corp of India Ltd is engaged in the provision of financial services. It provides financial assistance by way of rupee term loans, subscriptions to equity/debentures, and corporate loans mainly to hotel projects, amusement parks, ropeways, multiplexes, restaurants, and others. The company products and services include tourism project financing, other financings, and tourism advisory services. Its only operating segment being Financing and Investment Activities. Geographically, the company generates majority of revenue from India.
53GF Score
Get the complete analysis for NSE:TFCILTD
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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