Arman Financial [ARMANFIN] vs Tourism Finance [TFCILTD] Detailed Stock Comparison
TLDR: Quick Comparison Summary
Based on 20 vital metrics comparison: Arman Financial Services Ltd. wins in 7 metrics, Tourism Finance Corporation of India Ltd. wins in 12 metrics, with 0 ties. Tourism Finance Corporation of India Ltd. appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Arman Financial Services Ltd. | Tourism Finance Corporation of India Ltd. | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 55.55 | 28.56 | Tourism Finance Corporation of India Ltd. |
| Price-to-Book Ratio | 1.79 | 2.77 | Arman Financial Services Ltd. |
| Debt-to-Equity Ratio | 137.29 | 82.38 | Tourism Finance Corporation of India Ltd. |
| PEG Ratio | -0.14 | 0.69 | Tourism Finance Corporation of India Ltd. |
| EV/EBITDA | 10.41 | 28.51 | Arman Financial Services Ltd. |
| Profit Margin (TTM) | 10.75% | 69.38% | Tourism Finance Corporation of India Ltd. |
| Operating Margin (TTM) | 34.32% | 86.04% | Tourism Finance Corporation of India Ltd. |
| EBITDA Margin (TTM) | 34.32% | 86.04% | Tourism Finance Corporation of India Ltd. |
| Return on Equity | 5.96% | 8.53% | Tourism Finance Corporation of India Ltd. |
| Return on Assets (TTM) | 2.34% | 4.94% | Tourism Finance Corporation of India Ltd. |
| Free Cash Flow (TTM) | $4.67B | $696.92M | Arman Financial Services Ltd. |
| Dividend Yield | N/A | 0.97% | N/A |
| 1-Year Return | -4.49% | 71.80% | Tourism Finance Corporation of India Ltd. |
| Price-to-Sales Ratio (TTM) | 5.93 | 19.84 | Arman Financial Services Ltd. |
| Enterprise Value | $23.16B | $44.46B | Tourism Finance Corporation of India Ltd. |
| EV/Revenue Ratio | 8.78 | 25.36 | Arman Financial Services Ltd. |
| Gross Profit Margin (TTM) | 40.86% | 58.30% | Tourism Finance Corporation of India Ltd. |
| Revenue per Share (TTM) | $251 | $4 | Arman Financial Services Ltd. |
| Earnings per Share (Diluted) | $26.81 | $2.63 | Arman Financial Services Ltd. |
| Beta (Stock Volatility) | 0.06 | 0.05 | Tourism Finance Corporation of India Ltd. |
Arman Financial Services Ltd. vs Tourism Finance Corporation of India Ltd. Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Arman Financial Services Ltd. | 0.71% | 6.68% | -7.20% | 20.70% | 11.11% | 5.73% |
| Tourism Finance Corporation of India Ltd. | 1.98% | 2.67% | 0.61% | 16.12% | 13.89% | 10.30% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Arman Financial Services Ltd. | -4.49% | -13.78% | 164.80% | 617.60% | 617.60% | 617.60% |
| Tourism Finance Corporation of India Ltd. | 71.80% | 408.72% | 381.81% | 889.14% | 1,378.81% | 3,710.20% |
Performance & Financial Health Analysis: Arman Financial Services Ltd. vs Tourism Finance Corporation of India Ltd.
| Metric | ARMANFIN | TFCILTD |
|---|---|---|
| Market Information | ||
| Market Cap | ₹15.66B | ₹33.59B |
| Market Cap Category | Small cap | Small cap |
| 10 Day Avg. Volume | 40,954 | 4,413,550 |
| 90 Day Avg. Volume | 43,233 | 5,954,759 |
| Last Close | ₹1,658.60 | ₹76.16 |
| 52 Week Range | ₹1,270.00 - ₹1,906.60 | ₹42.51 - ₹84.61 |
| % from 52W High | -13.01% | -9.99% |
| All-Time High | ₹2,680.00 (Dec 18, 2023) | ₹364.90 (Sep 15, 2025) |
| % from All-Time High | -38.11% | -79.13% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 1.61% | 0.38% |
| Quarterly Earnings Growth | -0.02% | 0.41% |
| Financial Health | ||
| Profit Margin (TTM) | 0.11% | 0.69% |
| Operating Margin (TTM) | 0.34% | 0.86% |
| Return on Equity (TTM) | 0.06% | 0.09% |
| Debt to Equity (MRQ) | 137.29 | 82.38 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | ₹831.24 | ₹27.12 |
| Cash per Share (MRQ) | ₹423.77 | ₹1.36 |
| Operating Cash Flow (TTM) | ₹1.71B | ₹986.27M |
| Levered Free Cash Flow (TTM) | ₹520.73M | ₹1.04B |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | 0.97% |
| Last 12-Month Dividend | ₹0.00 | ₹3.00 |
Valuation & Enterprise Metrics Analysis: Arman Financial Services Ltd. vs Tourism Finance Corporation of India Ltd.
| Metric | ARMANFIN (Apr 26, 2026) | TFCILTD (Apr 24, 2026) |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 55.55 | 28.56 |
| Forward P/E | N/A | 6.44 |
| PEG Ratio | -0.14 | 0.69 |
| Price to Sales (TTM) | 5.93 | 19.84 |
| Price to Book (MRQ) | 1.79 | 2.77 |
| Market Capitalization | ||
| Market Capitalization | ₹15.66B | ₹33.59B |
| Enterprise Value | ₹23.16B | ₹44.46B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 8.78 | 25.36 |
| Enterprise to EBITDA | 10.41 | 28.51 |
| Risk & Other Metrics | ||
| Beta | 0.06 | 0.05 |
| Book Value per Share (MRQ) | ₹831.24 | ₹27.12 |
Financial Statements Comparison: Arman Financial Services 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
| Metric | ARMANFIN (2025) | TFCILTD (2025) |
|---|---|---|
| Revenue/Sales | 6.17B | 2.44B |
| Cost of Goods Sold | 3.32B | 756.33M |
| COGS % of Revenue | 53.9% | 30.9% |
| Gross Profit | 2.84B | 1.69B |
| Gross Margin | 46.1% | 69.1% |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | 1.93B | 1.49B |
| Operating Margin | 31.4% | 60.8% |
| EBITDA | 2.22B | 1.56B |
| EBITDA Margin | 36.1% | 63.8% |
| Pre-Tax Income | 690.92M | 1.28B |
| Pre-Tax Income % of Revenue | 11.2% | 52.4% |
| Income Tax | 170.19M | 242.09M |
| Income Tax % of Revenue | 2.8% | 9.9% |
| Net Income (Profit) | 520.73M | 1.04B |
| Profit Margin | 8.4% | 42.5% |
Balance Sheet & Liquidity Metrics
| Metric | ARMANFIN (2025) | TFCILTD (2025) |
|---|---|---|
| Cash & Equivalents | 677.50M | 1.41B |
| Total Current Assets | 16.44B | 7.05B |
| Total Current Assets % of Revenue | 266.6% | 288.4% |
| Total Current Liabilities | 9.75B | 3.38B |
| Total Current Liabilities % of Revenue | 158.1% | 138.4% |
| Long-Term Debt | 3.76B | 5.46B |
| Long-Term Debt % of Revenue | 61.0% | 223.2% |
| Total Shareholders Equity | 8.74B | 12.16B |
| Retained Earnings | 3.59B | 1.53B |
| Retained Earnings % of Revenue | 58.2% | 62.8% |
| Property, Plant & Equipment | 25.54M | 8.97M |
Cash Flow Statement Comparison
| Metric | ARMANFIN (2025) | TFCILTD (2025) |
|---|---|---|
| Operating Cash Flow | 1.71B | 986.27M |
| Operating Cash Flow % of Revenue | 27.7% | 40.3% |
| Capital Expenditures | -253.70M | 122.22M |
| Free Cash Flow | 4.67B | 696.92M |
| FCF Margin | 75.8% | 28.5% |
| Debt Repayment | -9.77B | N/A |
| Common Stock Repurchase | N/A | N/A |
Short Interest & Institutional Ownership Analysis
| Metric | ARMANFIN | TFCILTD |
|---|---|---|
| Shares Short | N/A | N/A |
| Short Ratio | N/A | N/A |
| Short % of Float | N/A | N/A |
| Shares Outstanding | 10.51M | 462.98M |
| Float Shares | 5.97M | 245.43M |
| % Held by Insiders | 29.79% | 39.56% |
| % Held by Institutions | 12.69% | 5.11% |
| % Held by Public | 57.52% | 55.33% |
Dividend Analysis & Yield Comparison: Arman Financial Services Ltd. vs Tourism Finance Corporation of India Ltd.
| Metric | ARMANFIN | TFCILTD |
|---|---|---|
| Last 12-Month Dividend | ₹0.00 | ₹3.00 |
| Last 12-Month Dividend Yield | N/A | 0.97% |
| 3-Year Avg Annual Dividend | ₹0.00 | ₹3.03 |
| 3-Year Avg Dividend Yield | N/A | 1.70% |
| 3-Year Total Dividends | ₹0.00 | ₹9.10 |
| Ex-Dividend Date | N/A | Aug 14, 2025 |