Transwarranty Finance Limited TFL NSEFINANCIAL
Company Overview
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.
Why Investors Should Care
Net profit has compounded at 17.0% per year over the last five years.
Revenue has grown at a 15.3% CAGR over the past five years.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Mar 2026 Revenue of ₹14.42 Cr (-3.2% YoY); net profit ₹-4.42 Cr.
- Trailing 12 Months Year-on-year growth — revenue -3.2%.
- 5-Year Trend Long-term compounding — revenue CAGR 15.3%, profit CAGR 17.0%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 15.32% |
| 1 Year: | -3.19% |
Compounded Profit Growth
| 5 Years: | 16.95% |
| 1 Year: | - |
Stock Price Performance
| 1 Year: | -40.84% |
| 6 Months: | -32.38% |
| 3 Months: | -16.45% |
| 1 Month: | -7.07% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- Price vs 200-DMABelow
- RSI (14)33.86 · Neutral
Auto-generated from price history and fundamentals; not investment advice.
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 Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Compounding revenue at 15.3% over 5 years.
- Profit CAGR of 17.0% over 5 years.
- Generates positive free cash flow.
CONS
- Trading 42.5% below its 52-week high.
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
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 | 11.17 | -10.74 | ₹61.56 Cr | 0.00% | -7.13% | -15.43% | 15.32% | 16.95% |
| 2 | HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL | 815.55 | 16.51 | ₹12.48 L Cr | 1.58% | - | 13.62% | 32.50% | 20.39% |
| 3 | ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL | 1,423.10 | 19.03 | ₹10.19 L Cr | 0.86% | - | 14.93% | 19.65% | 16.78% |
| 4 | SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU | 1,031.00 | 11.31 | ₹9.52 L Cr | 1.67% | - | 13.97% | 12.19% | 14.39% |
| 5 | BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL | 1,032.90 | 33.85 | ₹6.43 L Cr | 0.53% | - | 16.68% | 22.58% | 18.23% |
| 6 | LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 443.80 | 9.77 | ₹5.61 L Cr | 2.26% | - | 32.53% | 7.26% | 16.86% |
| 7 | AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL | 1,340.20 | 15.86 | ₹4.17 L Cr | 0.08% | - | 12.27% | 12.16% | 34.61% |
| 8 | KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL | 381.30 | 19.66 | ₹3.79 L Cr | 0.17% | - | 10.64% | 13.48% | 8.92% |
| 9 | BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL | 1,887.10 | 34.31 | ₹3.02 L Cr | 0.07% | - | 12.58% | 22.92% | 15.16% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in INR.
| Metric | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1.92 Cr | 2.69 Cr | 3.25 Cr | 3.03 Cr | 5.12 Cr | 4.02 Cr | 3.86 Cr | - | 3.49 Cr | 3.91 Cr | 3.34 Cr | 3.12 Cr | 4.05 Cr |
| Cost of Revenue | - | - | - | - | - | - | - | - | 5.39 Cr | 3.40 Cr | 3.12 Cr | 3.20 Cr | 3.73 Cr |
| Gross Profit | - | - | - | - | - | - | - | - | -1.91 Cr | 51.51 L | 21.57 L | -7.82 L | 32.10 L |
| Operating Expenses | 6.75 Cr | 2.76 Cr | 3.38 Cr | 2.95 Cr | 2.30 Cr | 3.43 Cr | 3.70 Cr | - | -1.25 Cr | 1.11 Cr | 1.55 Cr | 1.34 Cr | 1.87 Cr |
| Operating Income | - | - | - | - | - | - | - | - | -65.03 L | -59.48 L | -1.33 Cr | -1.41 Cr | -1.55 Cr |
| EBITDA | - | - | - | - | - | - | - | - | -52.45 L | -47.14 L | -1.20 Cr | -1.28 Cr | -1.55 Cr |
| Interest Expense | 1.28 Cr | 1.15 Cr | 1.21 Cr | 1.19 Cr | 1.18 Cr | 1.11 Cr | 83.00 L | - | - | - | - | - | - |
| Pretax Income | -6.01 Cr | -1.06 Cr | -51.00 L | -36.00 L | 2.72 Cr | -39.00 L | 47.00 L | - | -45.88 L | -84.16 L | -1.27 Cr | -89.87 L | -1.35 Cr |
| Tax Provision | 1.02 L | 0 | 0 | 0 | -1.01 L | 0 | -0 | 0 | - | 1.52 L | -92,000 | 85,000 | 4.46 L |
| Net Income | -6.00 Cr | -1.07 Cr | -50.00 L | -36.00 L | 2.73 Cr | -39.00 L | 47.00 L | - | -45.88 L | -85.68 L | -1.26 Cr | -90.72 L | -1.40 Cr |
| Diluted EPS | -1.23 | -0.22 | -0.10 | -0.07 | 0.56 | -0.08 | 0.09 | - | -0.61 | -0.16 | -0.23 | -0.17 | -0.25 |
Profit & Loss (Annual)
Figures in INR.
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 13.23 Cr | 15.82 Cr | 19.30 Cr | 17.23 Cr | 17.89 Cr | 7.56 Cr | 15.32 Cr | - | 9.41 Cr | 11.15 Cr | 14.90 Cr | 14.42 Cr |
| Cost of Revenue | - | - | - | - | - | - | - | - | 11.47 Cr | 11.61 Cr | 12.94 Cr | 13.45 Cr |
| Gross Profit | - | - | - | - | - | - | - | - | -2.06 Cr | -46.32 L | 1.96 Cr | 97.36 L |
| Operating Expenses | 13.48 Cr | 15.60 Cr | 17.40 Cr | 14.93 Cr | 15.45 Cr | 13.44 Cr | 15.08 Cr | - | 5.49 Cr | 4.63 Cr | 4.90 Cr | 5.50 Cr |
| Operating Income | - | - | - | - | - | - | - | - | -7.55 Cr | -5.09 Cr | -2.94 Cr | -4.53 Cr |
| EBITDA | - | - | - | - | - | - | - | - | -8.80 Cr | 1.28 Cr | -2.44 Cr | -4.03 Cr |
| Interest Expense | 37.00 L | 72.00 L | 73.00 L | 94.00 L | 2.30 Cr | 2.74 Cr | 3.37 Cr | 3.51 L | 1.31 L | 1.22 L | 1.09 L | - |
| Pretax Income | -16.00 L | -46.00 L | 1.36 Cr | 87.00 L | 49.00 L | -8.72 Cr | -2.86 Cr | - | -9.30 Cr | 79.72 L | -4.77 Cr | -4.38 Cr |
| Tax Provision | -6.00 L | 0 | 13.99 L | 5.00 L | 4.00 L | 12.99 L | 5.00 L | - | -71,000 | -31,000 | 63.66 L | 4.46 L |
| Net Income | -22.00 L | -46.00 L | 1.22 Cr | 82.00 L | 45.00 L | -8.59 Cr | -2.80 Cr | - | -9.00 Cr | 58.18 L | -5.41 Cr | -4.42 Cr |
| Diluted EPS | -0.04 | -0.09 | 0.25 | 0.17 | 0.06 | -1.35 | -0.64 | -0.85 | -3.27 | 0.12 | -1.04 | - |
Balance Sheet (Annual)
Figures in INR.
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | 74.63 Cr | 73.89 Cr | 84.84 Cr | 67.46 Cr | 67.78 Cr | 61.87 Cr | 94.46 Cr | - | 106.20 Cr | 98.97 Cr | 100.03 Cr | 63.97 Cr |
| Current Assets | - | - | - | - | - | - | - | - | 32.29 Cr | 12.68 Cr | 46.33 Cr | 25.29 Cr |
| Cash & Equivalents | - | - | - | - | - | - | - | - | 15.48 Cr | 1.42 Cr | 1.50 Cr | 63.70 L |
| Inventory | - | - | - | - | - | - | - | - | - | - | - | - |
| Receivables | - | - | - | - | - | - | - | - | 12.12 Cr | 3.18 Cr | 4.23 Cr | 12.38 L |
| Total Liabilities | - | - | - | - | - | - | - | - | 72.73 Cr | 64.32 Cr | 64.82 Cr | 35.31 Cr |
| Current Liabilities | - | - | - | - | - | - | - | - | 39.61 Cr | 31.69 Cr | 33.14 Cr | 45.31 L |
| Long Term Debt | - | - | - | - | - | - | - | - | 31.85 Cr | 29.78 Cr | 29.90 Cr | 30.67 Cr |
| Total Debt | - | - | - | - | - | - | - | - | 40.31 Cr | 38.37 Cr | 41.15 Cr | 30.67 Cr |
| Total Equity | 55.11 Cr | 54.94 Cr | 55.93 Cr | 31.34 Cr | 26.27 Cr | 19.64 Cr | 16.47 Cr | - | 29.22 Cr | 30.19 Cr | 31.09 Cr | 28.66 Cr |
| Shares Outstanding | - | - | - | - | - | - | - | - | 4.83 Cr | 4.89 Cr | 5.40 Cr | 5.51 Cr |
Cash Flows (Annual)
Figures in INR.
| Metric | 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 Cash Flow | 1.65 Cr | -26.00 L | 61.00 L | 43.00 L | -92.00 L | 82.00 L | -9.60 Cr | - | -12.20 Cr | -14.75 Cr | -4.57 Cr | 14.89 Cr |
| Investing Cash Flow | -35.00 L | -79.00 L | 1.13 Cr | -48.00 L | -29.00 L | 24.00 L | -5.17 Cr | - | 1.74 Cr | 6.93 Cr | -22.59 L | -2.91 Cr |
| Financing Cash Flow | -84.00 L | 15.00 L | -87.00 L | 1.63 Cr | 1.96 Cr | 39.00 L | 17.13 Cr | - | 16.47 Cr | -6.24 Cr | 4.88 Cr | -8.57 Cr |
| Capital Expenditure | -2.00 L | -16.00 L | -7.00 L | -37.00 L | -40.00 L | -59.00 L | -8.00 L | - | -14.55 L | -21.70 L | -22.48 L | -2.46 L |
| Free Cash Flow | 1.63 Cr | -42.00 L | 54.00 L | 6.00 L | -1.32 Cr | 23.00 L | -9.68 Cr | - | -12.34 Cr | -14.97 Cr | -4.80 Cr | 14.86 Cr |
| Net Change in Cash | 46.00 L | -89.00 L | 87.00 L | 1.58 Cr | 74.00 L | 1.44 Cr | 2.36 Cr | - | 6.01 Cr | -14.06 Cr | 7.87 L | 3.41 Cr |
Ratios (Annual)
Figures in %.
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | -21.9% | -4.2% | 13.2% | 6.7% |
| Operating Margin % | - | - | - | - | - | - | - | - | -80.2% | -45.7% | -19.7% | -31.4% |
| Net Margin % | -1.7% | -2.9% | 6.3% | 4.8% | 2.5% | -113.6% | -18.3% | - | -95.7% | 5.2% | -36.3% | -30.7% |
| ROE % | -0.4% | -0.8% | 2.2% | 2.6% | 1.7% | -43.7% | -17.0% | - | -30.8% | 1.9% | -17.4% | -15.4% |
| ROCE % | - | - | - | - | - | - | - | - | -11.3% | -7.6% | -4.4% | -7.1% |
Shareholding Pattern
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
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TFL — Frequently Asked Questions
What is the current share price of Transwarranty Finance Limited (TFL)?
As of 2026-07-15 09:52 IST, Transwarranty Finance Limited (TFL) trades at ₹11.17 on NSE. Its 52-week range is ₹11.13 to ₹19.42.
What is the market capitalisation of TFL?
Transwarranty Finance Limited (TFL) has a market capitalisation of ₹61.56 Cr on NSE.
What is the P/E ratio of TFL?
TFL trades at a trailing price-to-earnings (P/E) ratio of -10.74. The industry average P/E is 19.81. Its price-to-book (P/B) ratio is 2.22.
What is the return on equity (ROE) of TFL?
TFL has a return on equity (ROE) of -15.43%. Its return on capital employed (ROCE) is -7.13%.
Is TFL a good stock to buy?
This page provides a data-driven analysis of Transwarranty Finance Limited (TFL), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.