Tourism Finance Corporation of India Reports Best-Ever Quarterly Performance with 20% YoY Profit Growth in Q1 FY26

• Total Income of ₹ 65.82 Cr, YoY growth of 6.44%
• EBITDA of ₹ 59.85 Cr, YoY growth of 5.73%
• PAT of ₹ 30.56 Cr, YoY growth of 20.31%
• PAT Margin of 46.43%, YoY growth of 536 Bps
• EPS of ₹ 3.30, YoY growth of 20.44%
• The Management is upbeat for the future after the best ever quarterly financial performance by the company: Highest PAT, growing NIMs and Net NPAs at Nil.
• With a Fund Raise on the Anvil, Rating Upgrades imminent and a Proposed Stock Split recently announced by the Company’s BOD, there is a lot to look forward to for TFCIL in the upcoming quarters.

Q1 FY26 Key Highlights

Income & Profitability:

• Total Income increased by 6.44% YoY to Rs. 65.82 Cr from Rs. 61.84 Cr.
• Income from operations was Rs. 63.71 Cr, an increase of 3.09% YoY.
• Profit Before Tax (PBT) grew significantly by 19.62% YoY to Rs. 38.16 Cr.
• Profit After Tax (PAT) recorded a robust increase of 20.31% YoY, reaching Rs. 30.56 Cr.
• Earnings per Share (EPS) stood at Rs. 3.30 compared to Rs. 2.74 in the corresponding quarter last year.

Financial Position:

• Tangible Net Worth improved to Rs. 1,238.37 Cr from Rs. 1,149.12 Cr, marking a YoY growth of 7.77%.
• Gross Loans (AUM) increased to Rs. 1,711.67 Cr from Rs. 1,553 Cr in the same quarter last year.

Asset Quality:

• Gross NPA significantly improved, reducing to 0.24% from 2.81% YoY.
• Net NPA reduced to Nil from 1.54% YoY, indicating strong recovery management.

Operational Efficiency:

• Net Interest Margin (NIM) increased notably to 6.44% from 5.08%.
• Return on Loans & Advances improved to 13.12% compared to 12.22%.
• Operating expenses declined by 6.05% YoY to Rs. 27.66 Cr, reflecting enhanced operational efficiency.

Capital Adequacy & Gearing:

• The Capital Adequacy Ratio remains robust at 62.68%, significantly above the regulatory requirement.
• Overall Gearing Ratio improved to 0.71:1 from 0.90:1, indicating a healthy capital structure.

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