WEBSITE BSE:538597 NSE: TTIENT Inc. Year: 1981 Industry: Finance - NBFC My Bucket: Add Stock
Last updated: 10:34
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1. Business Overview
TTI Enterprise Ltd. (TTIENT) operates as a Non-Banking Financial Company (NBFC) in India. As an NBFC, its core business involves providing various financial services, primarily extending loans and advances to individuals, small and medium-sized enterprises (SMEs), and corporations. The company generates revenue primarily through interest income earned on its loan portfolio, as well as potential fees from financial services. Like other NBFCs, TTIENT acts as a financial intermediary, mobilizing funds (e.g., through borrowings, equity) and deploying them in lending activities.
2. Key Segments / Revenue Mix
Without specific public data, the primary revenue source for TTIENT, typical of an NBFC, would be interest income from its lending operations. This could include various asset classes such as secured or unsecured loans, corporate loans, personal loans, or SME financing. A specific breakdown of major business segments and their exact contribution is not available in the provided information.
3. Industry & Positioning
The Indian NBFC sector is highly competitive and diverse, comprising a wide range of players from large, well-established entities to smaller, regional ones. Competition comes from public and private sector banks, other large NBFCs, and emerging fintech lenders. TTIENT, as an NBFC, likely operates within this landscape, potentially focusing on specific geographies, customer segments, or niche financial products where it can leverage its expertise or local presence. Its positioning relative to peers would depend on its asset size, market share, and specialization, which are not specified.
4. Competitive Advantage (Moat)
For an NBFC like TTIENT, durable competitive advantages can be challenging to establish, especially against larger banks and NBFCs with deeper pockets, wider distribution networks, and stronger brands. Potential moats could include:
Niche Expertise: Strong underwriting skills and customer relationships within a specific, underserved segment (e.g., certain types of SMEs, regional markets).
Operational Efficiency: Cost-effective loan origination and servicing processes.
Local Market Knowledge: Deep understanding of regional economic dynamics and customer needs, enabling better risk assessment.
However, without specific details, it is likely that TTIENT operates in a highly competitive environment where such advantages might be limited compared to market leaders.
5. Growth Drivers
Key factors that could drive TTIENT's growth over the next 3-5 years include:
Economic Growth: A growing Indian economy typically translates to higher demand for credit across various sectors.
Rising Credit Penetration: Continued financial inclusion and increasing formal credit usage in underserved segments.
Government Initiatives: Policies supporting MSMEs, infrastructure, or specific consumption categories can boost lending opportunities.
Strategic Expansion: Ability to expand into new geographic areas or introduce new, in-demand financial products.
Digitalization: Adoption of technology to improve efficiency, reach, and customer experience.
6. Risks
Credit Risk: The primary risk for an NBFC, stemming from potential defaults on loans leading to Non-Performing Assets (NPAs) and impacting asset quality and profitability.
Interest Rate Risk: Fluctuations in interest rates can affect the company's cost of borrowing and lending margins.
Liquidity Risk: Inability to raise funds or meet short-term obligations, particularly in tight credit markets.
Regulatory Risk: Changes in RBI regulations, capital adequacy norms, or lending guidelines can impact operations and profitability.
Competition: Intense competition from banks and other NBFCs can put pressure on margins and market share.
Economic Downturns: Broad economic slowdowns can lead to higher defaults and reduced credit demand.
7. Management & Ownership
TTI Enterprise Ltd. is likely a promoter-led company, a common structure in India where a founding family or group holds a significant stake and exerts control over strategic direction. Specific details about the current management team's background, experience, and the precise ownership structure are not provided. However, the success of an NBFC heavily relies on effective risk management, astute capital allocation, and a clear growth strategy formulated by its leadership.
8. Outlook
TTI Enterprise Ltd., as an NBFC in India, operates within a dynamic and growth-oriented financial sector. The potential for growth is supported by India's overall economic expansion and the persistent demand for credit from various segments, particularly those underserved by traditional banking. However, the company faces inherent challenges including intense competition from a wide array of financial institutions, the constant need for effective risk management (especially credit and liquidity risks), and navigating an evolving regulatory landscape. Its future performance will largely depend on its ability to prudently manage its loan book, maintain adequate capital, secure funding at competitive rates, and potentially identify and capitalize on niche market opportunities while mitigating sector-specific risks.
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Market Cap ₹24 Cr.
Stock P/E 26.8
P/B 0.9
Current Price ₹9.6
Book Value ₹ 11.2
Face Value 10
52W High ₹12
Dividend Yield 0%
52W Low ₹ 6
Price goes above X
Price falls below X
PE goes above X
PE falls below X
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| #(Fig in Cr.) | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Income | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Total Expenditure | 2 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 |
| Operating Profit | -1 | 1 | 1 | 1 | 1 | 1 | -1 | 0 | 0 | 0 |
| Interest Expense | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | -1 | 1 | 1 | 1 | 1 | 1 | -1 | 0 | 0 | 0 |
| Provision for Tax | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Tax | -1 | 1 | 1 | 1 | 1 | 1 | -1 | 0 | 0 | 0 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -0 | 0 |
| Profit After Adjustments | -1 | 1 | 1 | 1 | 1 | 1 | -1 | 0 | 0 | 0 |
| Adjusted Earnings Per Share | -0.2 | 0.2 | 0.2 | 0.2 | 0.3 | 0.3 | -0.4 | 0.2 | 0.2 | 0 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 2 | 3 | 5 | 3 | 3 | 2 | 10 | 14 | 3 | 3 | 3 | 4 |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Income | 2 | 3 | 5 | 3 | 3 | 2 | 10 | 14 | 3 | 3 | 3 | 4 |
| Total Expenditure | 2 | 3 | 5 | 3 | 2 | 2 | 9 | 14 | 3 | 3 | 2 | 2 |
| Operating Profit | 0 | 0 | 0 | 0 | 0 | -0 | 0 | -0 | -0 | 0 | 1 | -1 |
| Interest Expense | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | 0 | 0 | 0 | 0 | 0 | -0 | 0 | -0 | -0 | 0 | 1 | -1 |
| Provision for Tax | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -0 | 0 | 0 | 0 | 0 |
| Profit After Tax | -0 | 0 | 0 | 0 | 0 | -0 | 0 | 0 | -0 | 0 | 1 | -1 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | -0 | 0 | 0 | 0 | 0 | -0 | 0 | 0 | -0 | 0 | 1 | -1 |
| Adjusted Earnings Per Share | -0 | 0 | 0 | 0.1 | 0 | -0.1 | 0.1 | 0 | -0.1 | 0.1 | 0.4 | 0 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 0% | -40% | 8% | 4% |
| Operating Profit CAGR | 0% | 0% | 0% | 0% |
| PAT CAGR | 0% | 0% | 0% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | -9% | -8% | 37% | -3% |
| ROE Average | 3% | 1% | 1% | 0% |
| ROCE Average | 3% | 2% | 1% | 1% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 26 | 26 | 26 | 26 | 27 | 27 | 27 | 27 | 27 | 27 | 28 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Borrowings | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Current Liability | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 |
| Other Liabilities & Provisions | 0 | 0 | 0 | 0 | 0 | -0 | 0 | -0 | -0 | -0 | -0 |
| Total Liabilities | 26 | 26 | 26 | 27 | 27 | 27 | 27 | 27 | 27 | 28 | 29 |
| Loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 2 | 2 | 1 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Fixed Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Current Assets | 24 | 25 | 26 | 24 | 27 | 27 | 27 | 27 | 27 | 28 | 29 |
| Total Assets | 26 | 26 | 26 | 27 | 27 | 27 | 27 | 27 | 27 | 28 | 29 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 0 | 1 | 1 | 0 | 1 | 0 | 1 | 0 | 0 | 1 | 0 |
| Cash Flow from Operating Activities | -1 | -10 | 0 | 8 | -4 | -7 | -2 | 11 | 2 | 5 | -68 |
| Cash Flow from Investing Activities | 1 | 10 | -1 | -7 | 3 | 8 | 1 | -11 | -2 | -6 | -1 |
| Cash Flow from Financing Activities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Cash Inflow / Outflow | 0 | 0 | -1 | 1 | -1 | 1 | -1 | -0 | 1 | -1 | -69 |
| Closing Cash & Cash Equivalent | 1 | 1 | 0 | 1 | 0 | 1 | 0 | 0 | 1 | 0 | -69 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | -0.01 | 0.04 | 0.03 | 0.08 | 0.03 | -0.1 | 0.06 | 0.02 | -0.1 | 0.09 | 0.36 |
| CEPS(Rs) | -0.01 | 0.04 | 0.03 | 0.08 | 0.03 | -0.1 | 0.06 | 0.02 | -0.09 | 0.09 | 0.36 |
| DPS(Rs) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Book NAV/Share(Rs) | 10.23 | 10.28 | 10.31 | 10.39 | 10.56 | 10.46 | 10.52 | 10.55 | 10.45 | 10.54 | 10.9 |
| Net Profit Margin | -0.8 | 3.57 | 1.45 | 7.22 | 3.08 | -14.5 | 1.68 | 0.4 | -8.26 | 7.6 | 32.05 |
| Operating Margin | 0.74 | 4.48 | 4.26 | 9.68 | 3.23 | -10.62 | 2.07 | -0.43 | -2.09 | 11.53 | 34.82 |
| PBT Margin | 0.74 | 4.48 | 4.26 | 9.68 | 3.23 | -10.62 | 2.07 | -0.43 | -2.09 | 9.62 | 32.1 |
| ROA(%) | -0.06 | 0.43 | 0.28 | 0.79 | 0.29 | -0.96 | 0.6 | 0.21 | -0.96 | 0.83 | 3.18 |
| ROE(%) | -0.06 | 0.43 | 0.28 | 0.8 | 0.29 | -0.96 | 0.6 | 0.21 | -0.96 | 0.85 | 3.34 |
| ROCE(%) | 0.05 | 0.54 | 0.82 | 1.07 | 0.31 | -0.7 | 0.75 | -0.23 | -0.24 | 1.26 | 3.48 |
| Price/Earnings(x) | 0 | 384.09 | 108.8 | 13.92 | 47.39 | 0 | 16.61 | 440 | 0 | 153.76 | 26.26 |
| Price/Book(x) | 12.73 | 1.64 | 0.3 | 0.11 | 0.14 | 0.04 | 0.1 | 0.94 | 1.1 | 1.3 | 0.86 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EV/Net Sales(x) | 183.21 | 13.54 | 1.57 | 0.66 | 1.44 | -0.56 | 0.27 | 1.68 | 7.97 | 12.06 | 8.75 |
| EV/Core EBITDA(x) | 3206.51 | 302.38 | 36.84 | 6.87 | 44.71 | 5.23 | 13.15 | -388.67 | -607.34 | 101.96 | 25.03 |
| Interest Earned Growth(%) | -19.29 | 73.32 | 60 | -41.87 | -13.15 | -30.12 | 442.84 | 50.32 | -78.41 | -4.19 | -4.61 |
| Net Profit Growth | -147.42 | 877.81 | -35.19 | 189.87 | -62.95 | -429.11 | 162.78 | -64.36 | -548.22 | 188.23 | 302.12 |
| EPS Growth(%) | -145.83 | 900 | -35.24 | 189.9 | -62.95 | -429.15 | 162.75 | -64.4 | -548.89 | 188.22 | 302.24 |
| Interest Coverage(x) % | 297.16 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6.02 | 12.81 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 62.23 | 62.23 | 62.23 | 62.23 | 62.23 | 39.36 | 39.36 | 39.36 | 39.36 | 18.74 |
| FII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| DII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Public | 37.77 | 37.77 | 37.77 | 37.77 | 37.77 | 60.64 | 60.64 | 60.64 | 60.64 | 81.26 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 1.58 | 1.58 | 1.58 | 1.58 | 1.58 | 1 | 1 | 1 | 1 | 0.48 |
| FII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| DII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Public | 0.96 | 0.96 | 0.96 | 0.96 | 0.96 | 1.54 | 1.54 | 1.54 | 1.54 | 2.06 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 2.54 | 2.54 | 2.54 | 2.54 | 2.54 | 2.54 | 2.54 | 2.54 | 2.54 | 2.54 |
* The pros and cons are machine generated.
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