₹11.4
-2.4% today
· 30d -6.17%
as of 2026-11-09
Price · Daily Candles
“TFL struggles with profitability; market cap slides from 52-week highs.”
TFL, a mortgage finance firm, reported a quarterly net loss of ₹1 Cr in Q4 2026 and an annual net loss of ₹4 Cr for FY2026. Its price has declined 18.36% over the last year, trading 42.09% below its 52-week high of ₹21.5.
BULL CASE
+TFL's current price of ₹12.45 represents a 3.75% gain over the last week.
+The stock is trading only 16.14% above its 52-week low of ₹10.72, suggesting limited downside from current levels.
+ML predictions for Sales growth are neutral: stable 7-year growth ranks at 0.422 (neutral).
BEAR CASE
−TFL recorded a net loss of ₹4 Cr in FY2026, on annual revenue of ₹14 Cr.
−Quarterly net profit was negative ₹1 Cr in Q4 2026, with an operating profit margin of -1.96%.
−Promoter shareholding decreased by 0.85% QoQ to 53.99% in Q4 2026.
−The stock is down 18.36% over the last year and 5.25% over the last six months.
−ML predictions for Free Cash Flow (FCF) growth are weak, with a stable 7-year rank of 0.053.
⟳ What Changed
₹ Latest Earnings · Q ending 2026-09-30
REVENUE
₹3 Cr
-22.51% YoY
NET PROFIT
₹0 Cr
OPM
29.09%
+36.18pp YoY
EPS
₹-0.02
Intrinsic value · DCF ₹3.47 · Margin of safety -69.6% (overvalued) · FCF yield 23.63%
◇ Sector Position
TFL, with no reported PE, lags peers like LICHSGFIN (PE 5.5, ROCE 2.55%) and PNBHOUSING (PE 12.43, ROCE 3.35%) within the Mortgage Finance sector.
PEERPEROCE %
TFL——
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ML Forward Growth Predictions 🔒
52
SCORE / 100
Overall
6-axis composite of the sections below.
Performance
NEUTRAL
40
Valuation
—
—
Growth
MUTED
34
Profitability
HIGH
90
Technicals
WEAK
45
Risk
MODERATE
50
Key Stats
P/B
2.34
52W HIGH
₹18.5
OFF HIGH
-38.38%
MKT CAP
₹63 Cr
◉ Active Signals
MACDBearish-0.0232
RSI(14)Neutral45.97
⧉ Strategy Fit 🔒