Tourism Finance of IndiaNSE:TFCILTD -3.70%53 Operating Margin % is 56.43% as of Mar. 2026, which is 19% below its 10-year median of 69.31. 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 411 Credit Services companies, Tourism Finance of India ranks better than 87.83% on this metric.
Tourism Finance Corp of India Ltd operating margin has been in a 5-year decline. The average rate of decline per year is -4.4%.
The historical rank and industry rank for Tourism Finance of India's Operating Margin % or its related term are showing as below:
NSE:TFCILTD'
s Operating Margin % Range Over the Past 10 Years
Min: 44.76 Med: 69.31 Max: 88
Current: 59.23
NSE:TFCILTD's Operating Margin % is ranked better than 87.83% of 411
companies
in the Credit Services industry
Industry Median: 17.36
vs NSE:TFCILTD: 59.23
Tourism Finance of India (NSE:TFCILTD) Operating Margin % Explanation
Just like Gross Margin %, it is important to see a company maintains its operating margin over time. Among the same industry, a company with higher operating margin is more efficient in its operation. It is also more stable during industry slowdown or recessions. Peter Lynch prefers those with higher margins than those with lower margins.
Be Aware
Operating Margin % can be manipulated by adjusting the rate of depreciation, depletion and amortization (DDA).
If a company is facing competition, its Operating Margin % may decline. Often the Operating Margin % declines well before the company's Revenue or even profit decline. Therefore, Operating Margin % is a very important indicator of whether the company is facing problems.
For instance, by 2012, Nokia (NOK)'s problems were well known and its stock had lost more than 90% of its market value since 2007. But Nokias Operating Margin % had already been in decline since 2002, although its Earnings per Share (Diluted) were still rising. Investors who paid attention to Operating Margin % would have avoided this huge loss. The same can be said for Research-in-Motion (RIMM).
Therefore, Operating Margin % is a very important screening filter for GuruFocus. GuruFocus's Buffett-Munger screener requires that the profit margin is either consistent or expanding. The Model Portfolio of the Buffett-Munger screener has outperformed the market every year since inception in 2009.
Tourism Finance of India Operating Margin % Related Terms
Tourism Finance of India Operating 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: Operating Margin % Comparison
For the Credit Services subindustry, Tourism Finance of India's Operating Margin %, along with its competitors' market caps and Operating 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 Operating Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Tourism Finance of India's Operating Margin % distribution charts can be found below:
* The bar in red indicates where Tourism Finance of India's Operating Margin % falls into.
Tourism Finance of India Operating Margin % Calculation
Operating Margin % - also known as operating income margin, operating profit margin and return on sales (ROS) - is the ratio of Operating Income divided by net sales or Revenue, usually presented in percent.
Tourism Finance of India's Operating Margin % for the fiscal year that ended in Mar. 2026 is calculated as
* 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 Operating Margin % of 56.43% as of Mar. 2026. Operating margin is the ratio of total operating income to net sales. View historical data on Tourism Finance of India and its competitors. This is 19% below median its historical median of 69.31. Over the past decade, Tourism Finance of India's Operating Margin % has ranged from 44.76 to 88.00. According to the industry distribution chart, Tourism Finance of India ranks #50 out of 411 companies in the Credit Services industry, placing it in the top 12.2%.
Is Tourism Finance of India's Operating Margin % too high?
Tourism Finance of India's current Operating Margin % of 56.43% is 19% below median its 10-year median of 69.31. Over the past 10 years, this metric has ranged from a low of 44.76 to a high of 88.00. The Credit Services industry median Operating Margin % is 17.36. Tourism Finance of India's value of 56.43% is 225.1% above this industry median. Based on the distribution chart, Tourism Finance of India ranks #50 out of 411 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 Operating Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Tourism Finance of India ranks #50 out of 411 companies for Operating Margin %. This places Tourism Finance of India in the top 12% of its industry — outperforming the majority of peers. The industry median Operating Margin % is 17.36. Tourism Finance of India's value of 56.43% is 225.1% above this benchmark. Historically, Tourism Finance of India's own Operating Margin % has ranged from 44.76 to 88.00 over the past decade. While the company's 10-year median is 69.31 vs. the industry median of 17.36, 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 Operating Margin % for a Credit Services company?
The median Operating Margin % among Credit Services companies is 17.36, based on 411 companies in the industry. Companies in the top quartile (top 25%) have a Operating Margin % significantly above this median, while those in the bottom quartile fall well below. However, Operating Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tourism Finance of India's current Operating Margin % of 56.43% is 225.1% 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 Operating Margin % mean?
A high Operating Margin % can signal that a stock is expensive relative to its fundamentals. Operating margin is the ratio of total operating income to net sales. View historical data on Tourism Finance of India and its competitors. For the Credit Services industry, the median Operating Margin % is 17.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tourism Finance of India's current Operating Margin % is 56.43%, which is 19% below median its own 10-year median of 69.31. 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 Operating Margin % is 56.43%, which is 19% below median its 10-year median of 69.31 and 225.1% above the Credit Services industry median of 17.36. 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 Operating Margin % calculated?
Operating Margin % is calculated from a company's financial statements. For Tourism Finance of India (NSE:TFCILTD), the current Operating Margin % is 56.43% 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:
Operating Margin %: 56.43% (19% below median its 10-year median of 69.31)
GF Value™: ₹39.82 vs. price of ₹75.54 (89.7% above fair value)
Industry Position: 225.1% above the Credit Services median (#50 of 411)
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
Operating Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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