Transwarranty Finance Limited TFL NSEFINANCIAL
Transwarranty Finance Limited, a non-banking finance company, provides financial services in India. The company offers investment banking services, including private equity syndication, mergers and acquisitions, restructuring and structured funding; and corporate finance services, such as financial advice and execution to raise external commercial borrowings, rupee term loan, fund based, and non-fund based working capital finance, project finance, and structured finance. It also provides trade finance services comprising letter of credit and clean bills discounting, factoring, inter corporate deposits, loans against property, loans against shares/promoter funding, import and export finance services; small and medium enterprise loans; margin funding; and personal finance for holiday, education, and other specific end use. In addition, the company involved in retail stock broking, depository participation, institutional broking, arbitrage, distribution of mutual funds, IPO, and other financial products; manages initial public offers/follow on offers/rights issues and debt issues, placement of equity shares with QIP/private equity funds and preference shares, corporate restructuring, valuations of companies/enterprises/share, listing services on National Stock Exchange and Bombay Stock Exchange, buy back of shares, take over and offer for sale, ESOPs, and certifications. It serves small, medium, and large companies, as well as retail clients. Transwarranty Finance Limited was incorporated in 1994 and is headquartered in Mumbai, India.
READ MORE ›Market & Price
Valuation
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Growth (CAGR)
PROS
No notable strengths flagged.
CONS
- Revenue declined at -0.3% CAGR over 5 years.
- Earnings shrank at -40.9% CAGR over 5 years.
- Trading 40.8% below its 52-week high.
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP ₹ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | TFL Transwarranty Finance Limited NSEFINANCIAL | 12.37 | - | ₹68.18 Cr | - | -7.12% | -13.85% | -0.31% | -40.95% |
| 2 | HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL | 744.55 | 16.61 | ₹11.46 L Cr | 1.75% | - | 13.82% | 32.50% | 20.39% |
| 3 | ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL | 1,256.40 | 16.81 | ₹9.01 L Cr | 0.88% | - | 16.36% | 19.65% | 16.78% |
| 4 | SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU | 964.40 | 10.58 | ₹8.90 L Cr | 1.80% | - | 15.48% | 12.19% | 14.39% |
| 5 | KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL | 384.20 | 19.80 | ₹3.82 L Cr | 0.13% | - | 11.39% | 14.58% | 8.92% |
| 6 | LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 411.35 | 9.06 | ₹2.60 L Cr | 2.43% | - | 42.36% | 7.61% | 16.86% |
| 7 | SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL | 947.15 | 17.79 | ₹2.23 L Cr | 1.46% | - | 16.38% | 15.48% | 18.59% |
| 8 | SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL | 1,830.10 | 74.06 | ₹1.84 L Cr | 0.15% | - | 13.70% | 11.67% | 12.81% |
| 9 | ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL | 3,538.50 | 53.19 | ₹1.75 L Cr | 0.70% | 98.30% | 85.80% | 28.94% | 29.58% |
Quarterly Results
Figures in INR.
| Metric | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|
| Revenue | - | 3.53 Cr | 1.21 Cr | 3.91 Cr | 3.34 Cr | 3.12 Cr |
| Cost of Revenue | - | 3.64 Cr | 5.34 Cr | 3.40 Cr | 3.12 Cr | 3.20 Cr |
| Gross Profit | - | -10.65 L | -4.12 Cr | 51.51 L | 21.57 L | -7.82 L |
| Operating Expenses | - | 1.47 Cr | -1.71 Cr | 1.11 Cr | 1.55 Cr | 1.34 Cr |
| Operating Income | - | -1.58 Cr | -2.42 Cr | -59.48 L | -1.33 Cr | -1.41 Cr |
| EBITDA | - | -1.45 Cr | -1.62 Cr | -47.14 L | -1.20 Cr | -1.28 Cr |
| Interest Expense | - | - | - | - | - | - |
| Pretax Income | - | -2.34 Cr | -2.51 Cr | -84.16 L | -1.27 Cr | -89.87 L |
| Tax Provision | 0 | 0 | - | 1.52 L | -92,000 | 85,000 |
| Net Income | - | -2.34 Cr | -2.82 Cr | -85.68 L | -1.26 Cr | -90.72 L |
| Diluted EPS | 0.08 | -0.45 | - | -0.16 | -0.23 | -0.17 |
Profit & Loss (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| Revenue | 12.75 Cr | 9.41 Cr | 11.15 Cr | 12.63 Cr |
| Cost of Revenue | 14.74 Cr | 11.47 Cr | 11.61 Cr | 12.45 Cr |
| Gross Profit | -1.99 Cr | -2.06 Cr | -46.32 L | 17.87 L |
| Operating Expenses | 3.81 Cr | 5.49 Cr | 4.63 Cr | 5.61 Cr |
| Operating Income | -5.80 Cr | -7.55 Cr | -5.09 Cr | -5.43 Cr |
| EBITDA | -1.54 Cr | -8.80 Cr | 1.28 Cr | -4.26 Cr |
| Interest Expense | 3.51 L | 1.31 L | 1.22 L | 1.09 L |
| Pretax Income | -2.15 Cr | -9.30 Cr | 79.72 L | -4.77 Cr |
| Tax Provision | 0 | -71,000 | -31,000 | 63.66 L |
| Net Income | -2.28 Cr | -9.00 Cr | 58.18 L | -5.08 Cr |
| Diluted EPS | -0.85 | -3.27 | 0.12 | -0.97 |
Compounded Sales Growth
| 5 Years: | -0.31% |
| 1 Year: | 94.20% |
Compounded Profit Growth
| 5 Years: | -40.95% |
| 1 Year: | - |
Stock Price Performance
| 1 Year: | -16.19% |
| 6 Months: | -10.23% |
| 3 Months: | -3.66% |
| 1 Month: | +1.56% |
Balance Sheet (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| Total Assets | 102.74 Cr | 106.20 Cr | 98.97 Cr | 100.03 Cr |
| Current Assets | 33.92 Cr | 32.29 Cr | 12.68 Cr | 46.33 Cr |
| Cash & Equivalents | 9.47 Cr | 15.48 Cr | 1.42 Cr | 1.50 Cr |
| Inventory | - | - | - | - |
| Receivables | 6.42 Cr | 12.12 Cr | 3.18 Cr | 4.23 Cr |
| Total Liabilities | 83.99 Cr | 72.73 Cr | 64.32 Cr | 64.82 Cr |
| Current Liabilities | 53.60 Cr | 39.61 Cr | 31.69 Cr | 33.14 Cr |
| Long Term Debt | 29.49 Cr | 31.85 Cr | 29.78 Cr | 29.90 Cr |
| Total Debt | 42.73 Cr | 40.31 Cr | 38.37 Cr | 41.15 Cr |
| Total Equity | 14.21 Cr | 29.22 Cr | 30.19 Cr | 31.09 Cr |
| Shares Outstanding | 2.67 Cr | 4.83 Cr | 4.89 Cr | 5.40 Cr |
Cash Flows (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| Operating Cash Flow | 15.86 Cr | -12.20 Cr | -14.75 Cr | -4.57 Cr |
| Investing Cash Flow | -7.71 Cr | 1.74 Cr | 6.93 Cr | -22.59 L |
| Financing Cash Flow | -4.86 Cr | 16.47 Cr | -6.24 Cr | 4.88 Cr |
| Capital Expenditure | -10.19 L | -14.55 L | -21.70 L | -22.48 L |
| Free Cash Flow | 15.76 Cr | -12.34 Cr | -14.97 Cr | -4.80 Cr |
| Net Change in Cash | 3.29 Cr | 6.01 Cr | -14.06 Cr | 7.86 L |
Ratios (Annual)
Figures in %.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| Gross Margin % | -15.6% | -21.9% | -4.2% | 1.4% |
| Operating Margin % | -45.5% | -80.2% | -45.7% | -43.0% |
| Net Margin % | -17.9% | -95.7% | 5.2% | -40.2% |
| ROE % | -16.0% | -30.8% | 1.9% | -16.3% |
| ROCE % | -11.8% | -11.3% | -7.6% | -8.1% |
Shareholding Pattern
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for TFL