Transwarranty Finance
Financial Services
TFL NSE
₹11.46 +0.25 (+2.23%)
- P/E
- Not meaningful: loss-making over the last twelve months
Close 4 Nov 2026 ₹11.46 −1.78 −13.4% 1Y
Start ₹13.24
Key Fundamentals
MicrocapFinanceFinancial ServicesPrice-based figures as of · EPS basis: Consolidated · TTM
- Debt to Equity
- 1.07
- EPS (TTM)
- −₹0.67
- Book Value
- ₹5.16
- Market Cap
- —
- P/E (TTM)
- Not meaningful: loss-making over the last twelve months
- P/B
- 2.22
- ROE
- −9.32%
- Dividend Yield
- 0.00%
- 52W High
- ₹18.50
- 52W Low
- ₹10.21
- Day Range
- ₹10.95 – ₹11.94
- Volume
- 9,174
- ROCE
- Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
- EBITDA
- Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
Peer Comparison
Financial Services › NBFC › Non Banking Financial Company (NBFC)
| ₹994.00 | 28.53 | ₹6,11,015 Cr | 5.02 | 0.62% | 18.20% | — | ₹90,331 Cr | ₹22,067 Cr | |
| ₹908.75 | 15.19 | ₹2,13,704 Cr | 1.92 | 0.73% | 16.40% | — | ₹51,877 Cr | ₹12,688 Cr | |
| ₹1,658.00 | 24.45 | ₹1,42,243 Cr | 4.10 | 0.12% | 19.40% | — | ₹32,663 Cr | ₹5,751 Cr | |
| ₹337.75 | 26.24 | ₹1,41,036 Cr | 2.93 | 0.17% | 12.40% | — | ₹32,695 Cr | ₹5,478 Cr | |
| ₹2,709.80 | 9.57 | ₹1,04,354 Cr | 2.48 | 1.19% | 30.90% | — | ₹33,431 Cr | ₹11,457 Cr | |
| ₹263.70 | 20.75 | ₹63,912 Cr | 2.26 | 1.09% | 11.20% | — | ₹18,898 Cr | ₹3,198 Cr | |
| ₹553.00 | 23.14 | ₹52,160 Cr | 3.06 | 0.47% | 14.70% | — | ₹20,063 Cr | ₹2,275 Cr | |
| Transwarranty Finance (this company) | ₹11.46 | — | ₹66 Cr | 2.22 | 0.00% | −9.32% | — | ₹13 Cr | −₹4 Cr |
| Median 8 companies | ₹730.88 | 23.14 | ₹1,22,695 Cr | 2.71 | 0.54% | 15.55% | — | ₹32,679 Cr | ₹5,615 Cr |
Comparable companies in the same industry. Market cap, P/E and P/B use the latest price; other metrics are as reported in filings. A dash means the figure is not published for that company.
Tapetide Score
Data-driven rating, 0–100, as of . How it works →
Overall score
38 Weak
Data confidence 88/100
pledge:47%
Category scores
- Quality
- 26
- Poor
- Returns, margins, earnings quality 22% weight
- Valuation
- 53
- Average
- Cheap vs sector & own history 24% weight
- Growth
- 38
- Weak
- Sales & profit trajectory 9% weight
- Financial Health
- 28
- Poor
- Solvency, leverage, coverage 9% weight
- Momentum
- 46
- Average
- Trend strength, vol-adjusted 12% weight
- Ownership
- 50
- Average
- FII/DII/promoter flows 24% weight
The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.
Key Insights
Strengths
1- Company has reduced debt.
Weaknesses
5- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of -1.19% over past five years.
- Company has a low return on equity of -5.89% over last 3 years.
- Promoters have pledged 47.2% of their holding.
- Promoter holding has decreased over last 3 years: -7.82%
Technical Indicators
| Group | Signal | Bearish | Neutral | Bullish |
|---|---|---|---|---|
| Overall | Strong Bearish | 11 | 6 | 2 |
| Oscillators | Bearish | 2 | 6 | 1 |
| Moving Averages | Strong Bearish | 9 | 0 | 1 |
Oscillators
Bearish
Bearish
2
Neutral
6
Bullish
1
Overall
Strong Bearish
Bearish
11
Neutral
6
Bullish
2
Moving Averages
Strong Bearish
Bearish
9
Neutral
0
Bullish
1
Key readings
- RSI (14)
- 47.16
- Neutral
- MACD (12,26,9)
- −0.13
- Bearish
- SMA (50)
- 11.83
- Bearish
- SMA (200)
- 12.29
- Bearish
As of
Growth Rate
From the financial statements below. 10Y, 5Y, 3Y: compound annual growth to Mar 2026; 1Y: fiscal year to Mar 2026 against Mar 2025; TTM: four quarters to Jun 2026 against Jun 2025.
Revenue
| 10Y | −0.92% |
|---|---|
| 5Y | −1.19% |
| 3Y | +7.21% |
| 1Y | −6.36% |
| TTM | −12.07% |
Net profit
| 10Y | Loss widened by ₹3.96 Cr |
|---|---|
| 5Y | Loss widened by ₹1.62 Cr |
| 3Y | Loss narrowed by ₹4.87 Cr |
| 1Y | Loss narrowed by ₹0.99 Cr |
| TTM | Loss widened by ₹0.52 Cr |
Operating cash flow
Not meaningful
A bank's or NBFC's operating cash flow moves with deposits and loans, so its growth says little about the business.
Revenue by year
| Mar 2017 | ₹19.30 Cr |
|---|---|
| Mar 2018 | ₹17.23 Cr |
| Mar 2019 | ₹17.89 Cr |
| Mar 2020 | ₹7.56 Cr |
| Mar 2021 | ₹15.32 Cr |
| Mar 2022 | ₹15.72 Cr |
| Mar 2023 | ₹11.71 Cr |
| Mar 2024 | ₹14.62 Cr |
| Mar 2025 | ₹15.41 Cr |
| Mar 2026 | ₹14.43 Cr |
Net profit by year
| Mar 2017 | ₹1.22 Cr |
|---|---|
| Mar 2018 | ₹0.82 Cr |
| Mar 2019 | ₹0.45 Cr |
| Mar 2020 | −₹8.59 Cr |
| Mar 2021 | −₹2.80 Cr |
| Mar 2022 | −₹2.15 Cr |
| Mar 2023 | −₹9.29 Cr |
| Mar 2024 | ₹0.80 Cr |
| Mar 2025 | −₹5.41 Cr |
| Mar 2026 | −₹4.42 Cr |
Quarterly Results
₹ Cr| Particulars | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2.69 | 3.25 | 3.03 | 5.12 | 4.02 | 3.86 | 3.53 | 3.49 | 3.95 | 3.31 | 3.13 | 4.05 | 2.55 |
| Expenses | 2.76 | 3.38 | 2.95 | 2.3 | 3.43 | 3.7 | 3.9 | 3.24 | 3.71 | 3.65 | 3.74 | 5.17 | 2.02 |
| Financing Profit | −1.22 | −1.34 | −1.11 | 1.64 | −0.52 | −0.67 | −1.45 | −0.36 | −0.89 | −1.24 | −1.28 | −1.83 | −0.33 |
| Fin. Margin % | −45.35% | −41.23% | −36.63% | 32.03% | −12.94% | −17.36% | −41.08% | −10.32% | −22.53% | −37.46% | −40.89% | −45.19% | −12.94% |
| Other Income | 0.27 | 0.95 | 0.87 | 1.21 | 0.22 | 1.3 | −0.76 | 0.03 | 0.17 | 0.1 | 0.51 | 0.32 | 0.27 |
| Interest | 1.15 | 1.21 | 1.19 | 1.18 | 1.11 | 0.83 | 1.08 | 0.61 | 1.13 | 0.9 | 0.67 | 0.71 | 0.86 |
| Depreciation | 0.11 | 0.12 | 0.12 | 0.13 | 0.09 | 0.16 | 0.13 | 0.13 | 0.12 | 0.13 | 0.13 | −0.15 | 0.06 |
| PBT | −1.07 | −0.5 | −0.36 | 2.73 | −0.39 | 0.47 | −2.34 | −0.46 | −0.84 | −1.27 | −0.9 | −1.36 | −0.12 |
| Tax % | 0% | 0% | 0% | −0.37% | 0% | 0% | 0% | 0% | 0% | −0.79% | 1.11% | 2.94% | 0% |
| Net Profit | −1.07 | −0.5 | −0.36 | 2.73 | −0.39 | 0.47 | −2.34 | −0.46 | −0.84 | −1.26 | −0.91 | −1.4 | −0.12 |
| EPS (₹) | −0.22 | −0.1 | −0.07 | 0.56 | −0.08 | 0.09 | −0.44 | −0.09 | −0.16 | −0.23 | −0.17 | −0.25 | −0.02 |
Profit & Loss
₹ Cr| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 13.23 | 15.82 | 19.3 | 17.23 | 17.89 | 7.56 | 15.32 | 15.72 | 11.71 | 14.62 | 15.41 | 14.43 | 13.04 |
| Expenses | 13.48 | 15.6 | 17.4 | 14.93 | 15.45 | 13.44 | 15.08 | 13.41 | 15.24 | 11.38 | 14.28 | 16.26 | 14.58 |
| Financing Profit | −0.62 | −0.5 | 1.17 | 1.36 | 0.14 | −8.62 | −3.13 | −2.41 | −9.13 | −1.49 | −2.5 | −5.24 | −4.68 |
| Fin. Margin % | −4.69% | −3.16% | 6.06% | 7.89% | 0.78% | −114.02% | −20.43% | −15.33% | −77.97% | −10.19% | −16.22% | −36.31% | −35.89% |
| Other Income | 0.98 | 0.45 | 0.53 | 0.37 | 0.8 | 0.56 | 0.86 | 0.84 | 0.32 | 2.76 | −1.77 | 1.1 | 1.2 |
| Interest | 0.37 | 0.72 | 0.73 | 0.94 | 2.3 | 2.74 | 3.37 | 4.72 | 5.6 | 4.73 | 3.63 | 3.41 | 3.14 |
| Depreciation | 0.52 | 0.41 | 0.34 | 0.86 | 0.45 | 0.66 | 0.59 | 0.57 | 0.49 | 0.47 | 0.5 | 0.23 | 0.17 |
| PBT | −0.16 | −0.46 | 1.36 | 0.87 | 0.49 | −8.72 | −2.86 | −2.14 | −9.3 | 0.8 | −4.77 | −4.38 | −3.65 |
| Tax % | 37.5% | 0% | 10.29% | 5.75% | 8.16% | −1.49% | −1.75% | 0% | −0.11% | −1.25% | 13.42% | 0.92% | — |
| Net Profit | −0.22 | −0.46 | 1.22 | 0.82 | 0.45 | −8.59 | −2.8 | −2.15 | −9.29 | 0.8 | −5.41 | −4.42 | −3.69 |
| EPS (₹) | −0.04 | −0.09 | 0.25 | 0.17 | 0.06 | −1.35 | −0.64 | −0.47 | −1.84 | 0.12 | −0.94 | −0.6 | −0.67 |
| Div. Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | — |
Balance Sheet
₹ Cr| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 24.46 | 24.46 | 24.46 | 24.46 | 24.46 | 24.46 | 24.46 | 24.46 | 48.46 | 48.89 | 53.99 | 55.13 |
| Reserves | 30.65 | 30.48 | 31.47 | 6.88 | 1.81 | −4.82 | −7.99 | −10.25 | −19.25 | −18.7 | −22.9 | −26.47 |
| Borrowing | 3.79 | 3.12 | 8.35 | 16.1 | 19.36 | 23.02 | 43.25 | 42.94 | 40.42 | 38.52 | 41.16 | 30.68 |
| Other Liabilities | 15.73 | 15.83 | 20.56 | 20.02 | 22.15 | 19.21 | 34.74 | 45.6 | 36.57 | 30.27 | 27.81 | 4.62 |
| Total Liabilities | 74.63 | 73.89 | 84.84 | 67.46 | 67.78 | 61.87 | 94.46 | 103 | 106 | 98.98 | 100 | 63.96 |
| Fixed Assets | 7.29 | 7.04 | 6.77 | 16.61 | 16.29 | 16.85 | 16.31 | 15.8 | 15.26 | 15.18 | 14.87 | 7.64 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 23.24 | 24.15 | 20.01 | 0.89 | 0.68 | 0.7 | 0.13 | 0.14 | 0.15 | 0.06 | 0.1 | 13.47 |
| Other Assets | 44.1 | 42.7 | 58.06 | 49.96 | 50.81 | 44.32 | 78.02 | 86.81 | 90.79 | 83.74 | 85.09 | 42.85 |
| Total Assets | 74.63 | 73.89 | 84.84 | 67.46 | 67.78 | 61.87 | 94.46 | 103 | 106 | 98.98 | 100 | 63.96 |
Cash Flow
₹ Cr| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating | 1.65 | −0.26 | 0.61 | 0.43 | −0.92 | 0.82 | −9.6 | 15.86 | −12.2 | −14.75 | −4.57 | 14.89 |
| Investing | −0.35 | −0.79 | 1.13 | −0.48 | −0.29 | 0.24 | −5.17 | −7.71 | 1.74 | 6.93 | −0.23 | −2.91 |
| Financing | −0.84 | 0.15 | −0.87 | 1.63 | 1.96 | 0.39 | 17.13 | −4.86 | 16.47 | −6.24 | 4.87 | −8.57 |
| Net Cash Flow | 0.46 | −0.89 | 0.87 | 1.58 | 0.74 | 1.44 | 2.36 | 3.29 | 6.01 | −14.06 | 0.08 | 3.41 |
| Free Cash Flow | 1.63 | −0.42 | 0.54 | 0.06 | −1.32 | 0.23 | −9.68 | 15.76 | −12.32 | −14.97 | −4.74 | 15.05 |
Ratios
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | −0.76% | −0.93% | 2.2% | 2.27% | 1.04% | −28.71% | −17.28% | −14.86% | −41.54% | 1.95% | −10.14% | −9.32% |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view Transwarranty Finance insights
43 extracted metrics across FY12–FY27.
Documents
Frequently Asked Questions about Transwarranty Finance
What does Transwarranty Finance Ltd do?
Incorporated in 1994, Transwarranty Finance Ltd is an NBFC engaged in lending and advisory services
Where is Transwarranty Finance Ltd (TFL) listed?
Transwarranty Finance Ltd trades as TFL on the NSE and under code 532812 on the BSE.
Which sector does Transwarranty Finance Ltd belong to?
Transwarranty Finance Ltd is classified under the Financial Services sector, in the NBFC industry.
What is the 52-week high and low of Transwarranty Finance Ltd?
Over the last 52 weeks Transwarranty Finance Ltd has traded between ₹10.21 and ₹18.5 as of 4 Nov 2026.
What is the Return on Equity (ROE) of Transwarranty Finance Ltd?
Transwarranty Finance Ltd reported a return on equity of -9.32%. Its debt-to-equity ratio is 1.07.
Company Information
Incorporated in 1994, Transwarranty Finance Ltd is an NBFC engaged in lending and advisory services
Website transwarranty.com
CEO Mr. Kumar Chandra Nair ACA, B.Sc., F.C.A.
Employees 37
Listed 26 Feb 2007
Face Value ₹10
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