Reverse DCF
What growth does the market imply for TCIFINANCE?
Working backwards from the current price to find the FCF growth assumption baked in.
conservative
-7.9% implied annual FCF growth
The market is pricing in below-GDP growth — very conservative assumption. If the company delivers anywhere near its historical rate, there is significant upside.
Current Price
₹14
Historical Growth
3.0%
FCF Yield
20.21%
Price / FCF
4.9x
Plain English
To justify today's price of $14.36, TCIFINANCE.NS needs to grow its free cash flow at -7.9% per year for the next 10 years. That is 10.9% slower than its historical growth rate of 3.0%. This looks achievable — the market is not pricing in heroic assumptions. There may be genuine upside if the company executes.
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Growth Scenarios
What the stock is worth at different growth assumptions
| Scenario | FCF Growth | Implied IV | MoS vs Price |
|---|---|---|---|
| Implied | -7.9% | ₹14 | -0.7% |
| Half implied | -3.9% | ₹20 | +39.0% |
| Historical | 3.0% | ₹36 | +148.7% |
| GDP rate | 10.0% | ₹64 | +342.7% |
At Historical Growth Rate
It would take 3 years for TCIFINANCE to organically grow into today's price assuming its historical FCF growth of 3.0%.
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Run Full Analysis →This is an analytical tool, not investment advice. Implied growth is a mathematical inversion of the DCF model and depends on WACC and terminal growth assumptions. YieldIQ is not registered with SEBI as an investment adviser.