J. A. Finance [JAFINANCE] vs Tourism Finance [TFCILTD] Detailed Stock Comparison

TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: J. A. Finance Ltd. wins in 0 metrics, Tourism Finance Corporation of India Ltd. wins in 17 metrics, with 1 ties. Tourism Finance Corporation of India Ltd. appears stronger overall.

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Vital Metrics Comparison

Metric J. A. Finance Ltd. Tourism Finance Corporation of India Ltd. Better
P/E Ratio (TTM) 144.66 28.56 Tourism Finance Corporation of India Ltd.
Price-to-Book Ratio 4.90 2.77 Tourism Finance Corporation of India Ltd.
Debt-to-Equity Ratio 0.00 82.38 Tie
PEG Ratio -1.18 0.69 Tourism Finance Corporation of India Ltd.
EV/EBITDA 86.41 28.51 Tourism Finance Corporation of India Ltd.
Profit Margin (TTM) 57.27% 69.38% Tourism Finance Corporation of India Ltd.
Operating Margin (TTM) 48.75% 86.04% Tourism Finance Corporation of India Ltd.
EBITDA Margin (TTM) 48.75% 86.04% Tourism Finance Corporation of India Ltd.
Return on Equity -0.21% 8.53% Tourism Finance Corporation of India Ltd.
Return on Assets (TTM) -0.17% 4.94% Tourism Finance Corporation of India Ltd.
Free Cash Flow (TTM) $-11.10M $696.92M Tourism Finance Corporation of India Ltd.
Dividend Yield N/A 0.97% N/A
1-Year Return -41.23% 60.66% Tourism Finance Corporation of India Ltd.
Price-to-Sales Ratio (TTM) 40.27 19.84 Tourism Finance Corporation of India Ltd.
Enterprise Value $954.08M $44.46B Tourism Finance Corporation of India Ltd.
EV/Revenue Ratio 42.01 25.36 Tourism Finance Corporation of India Ltd.
Gross Profit Margin (TTM) 28.68% 58.30% Tourism Finance Corporation of India Ltd.
Revenue per Share (TTM) $2 $4 Tourism Finance Corporation of India Ltd.
Earnings per Share (Diluted) $-0.40 $2.63 Tourism Finance Corporation of India Ltd.
Beta (Stock Volatility) N/A 0.05 N/A

J. A. Finance Ltd. vs Tourism Finance Corporation of India Ltd. Stock Performance Analysis

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Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
J. A. Finance Ltd.0.49%-0.02%1.13%-3.53%61.43%52.21%
Tourism Finance Corporation of India Ltd.-0.42%3.46%-1.56%10.21%16.66%9.93%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
J. A. Finance Ltd.-41.23%124.51%177.18%177.18%177.18%177.18%
Tourism Finance Corporation of India Ltd.60.66%398.98%430.50%835.34%1,250.28%3,008.51%

Performance & Financial Health Analysis: J. A. Finance Ltd. vs Tourism Finance Corporation of India Ltd.

MetricJAFINANCETFCILTD
Market Information
Market Cap i₹914.51M₹33.59B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i3114,413,550
90 Day Avg. Volume i5985,954,759
Last Close₹87.98₹75.59
52 Week Range₹50.35 - ₹143.99₹39.15 - ₹84.61
% from 52W High-38.90%-10.66%
All-Time High₹178.55 (May 19, 2025)₹364.90 (Sep 15, 2025)
% from All-Time High-50.73%-79.28%
Growth Metrics
Quarterly Revenue Growth-0.32%0.38%
Quarterly Earnings Growth-0.04%0.41%
Financial Health
Profit Margin (TTM) i0.57%0.69%
Operating Margin (TTM) i0.49%0.86%
Return on Equity (TTM) i0.00%0.09%
Debt to Equity (MRQ) i0.0082.38
Cash & Liquidity
Book Value per Share (MRQ)₹17.52₹27.12
Cash per Share (MRQ)N/A₹1.36
Operating Cash Flow (TTM) i₹1.81M₹986.27M
Levered Free Cash Flow (TTM) i₹-414,000₹1.04B
Dividends
Last 12-Month Dividend Yield iN/A0.97%
Last 12-Month Dividend iN/A₹3.00

Valuation & Enterprise Metrics Analysis: J. A. Finance Ltd. vs Tourism Finance Corporation of India Ltd.

MetricJAFINANCE (Apr 24, 2026)TFCILTD (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i144.6628.56
Forward P/E iN/A6.44
PEG Ratio i-1.180.69
Price to Sales (TTM) i40.2719.84
Price to Book (MRQ) i4.902.77
Market Capitalization
Market Capitalization i₹914.51M₹33.59B
Enterprise Value i₹954.08M₹44.46B
Enterprise Value Metrics
Enterprise to Revenue i42.0125.36
Enterprise to EBITDA i86.4128.51
Risk & Other Metrics
Beta iN/A0.05
Book Value per Share (MRQ) i₹17.52₹27.12

Financial Statements Comparison: J. A. Finance Ltd. vs Tourism Finance Corporation of India Ltd.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricJAFINANCE (2025)TFCILTD (2025)
Revenue/Sales i22.71M2.44B
Cost of Goods Sold i9.70M756.33M
COGS % of Revenue i42.7%30.9%
Gross Profit i13.01M1.69B
Gross Margin i57.3%69.1%
Research & Development iN/AN/A
Operating Income (EBIT) i10.98M1.49B
Operating Margin i48.3%60.8%
EBITDA i11.04M1.56B
EBITDA Margin i48.6%63.8%
Pre-Tax Income i11.07M1.28B
Pre-Tax Income % of Revenue i48.7%52.4%
Income Tax i11.49M242.09M
Income Tax % of Revenue i50.6%9.9%
Net Income (Profit) i-414,0001.04B
Profit Margin i-1.8%42.5%

Balance Sheet & Liquidity Metrics

MetricJAFINANCE (2025)TFCILTD (2025)
Cash & Equivalents i64,0001.41B
Total Current Assets i56.29M7.05B
Total Current Assets % of Revenue i247.8%288.4%
Total Current Liabilities i28.87M3.38B
Total Current Liabilities % of Revenue i127.1%138.4%
Long-Term Debt i11.63M5.46B
Long-Term Debt % of Revenue i51.2%223.2%
Total Shareholders Equity i200.49M12.16B
Retained Earnings i30.35M1.53B
Retained Earnings % of Revenue i133.6%62.8%
Property, Plant & Equipment i17,0008.97M

Cash Flow Statement Comparison

MetricJAFINANCE (2025)TFCILTD (2025)
Operating Cash Flow i1.81M986.27M
Operating Cash Flow % of Revenue i8.0%40.3%
Capital Expenditures iN/A122.22M
Free Cash Flow i-11.10M696.92M
FCF Margin i-48.9%28.5%
Debt Repayment i-31.24MN/A
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricJAFINANCETFCILTD
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Shares Outstanding i10.65M462.98M
Float Shares iN/A245.43M
% Held by Insiders i79.76%39.56%
% Held by Institutions i0.00%5.11%
% Held by Public i20.24%55.33%

Dividend Analysis & Yield Comparison: J. A. Finance Ltd. vs Tourism Finance Corporation of India Ltd.

MetricJAFINANCETFCILTD
Last 12-Month Dividend iN/A₹3.00
Last 12-Month Dividend Yield iN/A0.97%
3-Year Avg Annual Dividend iN/A₹3.03
3-Year Avg Dividend Yield iN/A1.70%
3-Year Total Dividends iN/A₹9.10
Ex-Dividend DateN/AAug 14, 2025