MarketFriction

Transwarranty Finance Ltd

NSE TFL · BSE 532812 · Non Banking Financial Company (NBFC)
₹11.82 +1.63%
NSE close2026-10-01
52 week range10.21 - 18.50
Market cap₹63.2 Cr.
Price band 20% Delivery 56.9%

Price

Drag to pan, scroll or pinch to zoom. Ruler (or Shift + drag) measures a move.Dashed lines: 52 week high and low. Prices adjusted for splits and bonuses.

Financials

Consolidated, Rs crore
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue3.253.035.124.023.863.533.493.953.313.134.052.55
Interest1.211.191.181.110.831.080.611.130.900.670.710.86
Expenses3.382.952.303.433.703.903.243.713.653.745.172.02
Financing Profit-1.34-1.111.64-0.52-0.67-1.45-0.36-0.89-1.24-1.28-1.83-0.33
Financing Margin %-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 Income0.950.871.210.221.30-0.760.030.170.100.510.320.27
Depreciation0.120.120.130.090.160.130.130.120.130.13-0.150.06
Profit before tax-0.51-0.362.72-0.390.47-2.34-0.46-0.84-1.27-0.90-1.36-0.12
Tax %0.00%0.00%-0.37%0.00%0.00%0.00%0.00%0.00%-0.79%1.11%2.94%0.00%
Net Profit-0.50-0.362.73-0.390.47-2.34-0.46-0.84-1.26-0.91-1.40-0.12
EPS in Rs-0.10-0.070.56-0.080.09-0.44-0.09-0.16-0.23-0.17-0.25-0.02
Gross NPA %
Net NPA %
Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue15.8219.3017.2317.897.5615.3215.7211.7114.6215.4114.4313.04
Interest0.720.730.942.302.743.374.725.604.733.633.413.14
Expenses15.6017.4014.9315.4513.4415.0813.4115.2411.3814.2816.2614.58
Financing Profit-0.501.171.360.14-8.62-3.13-2.41-9.13-1.49-2.50-5.24-4.68
Financing Margin %-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 Income0.450.530.370.800.560.860.840.322.76-1.771.101.20
Depreciation0.410.340.860.450.660.590.570.490.470.500.230.17
Profit before tax-0.461.360.870.49-8.72-2.86-2.14-9.300.80-4.77-4.37-3.65
Tax %0.00%10.29%5.75%8.16%-1.49%-1.75%0.00%-0.11%-1.25%13.42%0.92%
Net Profit-0.461.220.820.45-8.59-2.80-2.15-9.290.80-5.41-4.42-3.69
EPS in Rs-0.090.250.170.06-1.35-0.64-0.47-1.840.12-0.94-0.80-0.67
Dividend Payout %0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%
10 Years5 Years3 YearsTTM1 YearLast Year
Compounded Sales Growth-1%-1%7%-12%
Compounded Profit Growth%-4%17%5%
Stock Price CAGR4%16%5%-18%
Return on Equity-8%-14%-7%-12%
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital24.4624.4624.4624.4624.4624.4624.4624.4648.4648.8953.9955.13
Reserves30.6530.4831.476.881.81-4.82-7.99-10.25-19.25-18.70-22.90-26.47
Borrowing3.793.128.3516.1019.3623.0243.2542.9440.4238.5241.1730.67
Other Liabilities15.7315.8320.5620.0222.1519.2134.7445.6036.5730.2727.764.64
Total Liabilities74.6373.8984.8467.4667.7861.8794.46102.75106.2098.98100.0263.97
Fixed Assets7.297.046.7716.6116.2916.8516.3115.8015.2615.1814.877.65
CWIP0.000.000.000.000.000.000.000.000.000.000.000.00
Investments23.2424.1520.010.890.680.700.130.140.150.060.1013.47
Other Assets44.1042.7058.0649.9650.8144.3278.0286.8190.7983.7485.0542.85
Total Assets74.6373.8984.8467.4667.7861.8794.46102.75106.2098.98100.0263.97
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity1.65-0.260.610.43-0.920.82-9.6015.86-12.20-14.75-4.5714.89
Cash from Investing Activity-0.35-0.791.13-0.48-0.290.24-5.17-7.711.746.93-0.23-2.91
Cash from Financing Activity-0.840.15-0.871.631.960.3917.13-4.8616.47-6.244.87-8.57
Net Cash Flow0.46-0.890.871.580.741.442.363.296.01-14.060.083.41
Free Cash Flow1.63-0.420.540.06-1.320.23-9.6815.76-12.32-14.97-4.7415.05
CFO/OP-504%36%13%18%-21%-14%-3,942%700%345%-449%-404%-717%
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %-0.76%-0.93%2.20%2.27%1.04%-28.71%-17.28%-14.86%-41.54%1.95%-10.14%-12.49%
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters61.81%61.79%61.84%61.84%56.31%56.31%56.00%56.00%56.00%54.85%53.99%53.99%
Public38.21%38.21%38.15%38.15%43.68%43.69%44.00%44.00%44.00%45.15%46.00%46.02%
No. of Shareholders6,3257,3457,5158,4968,3918,9759,1359,0448,9519,2799,0289,086

Fundamentals

Market Cap₹ 63.2 Cr.
Current Price₹ 11.5
Book Value₹ 5.20
ROCE-0.38 %
ROE-12.5 %
Dividend Yield0.00 %
Face Value₹ 10.0
Compounded Sales Growth (TTM)-12%
Compounded Profit Growth (TTM)5%
Consolidated figures.
Valuation
Market capRs 65 Cr
Enterprise valueRs 94 Cr
Price to book2.27x
Price to sales5.00x
EV / sales7.22x
Price to cash flow4.38x
Earnings yield-5.66%
P/E, 3-year average88.56x
P/B, 3-year average2.08x
P/E, 5-year average88.56x
P/B, 5-year average1.72x
Profitability
Operating margin (excl. other income)-12.68%
Operating margin (incl. other income)-5.06%
EBITDA margin-2.61%
Pre-tax margin-27.99%
Net profit margin-28.30%
Net margin, latest quarter-4.71%
ROE-14.79%
ROCE-1.46%
ROA-5.39%
ROE, 3-year average-9.81%
ROCE, 3-year average1.64%
ROA, 3-year average-3.31%
ROE, 5-year average-17.15%
ROCE, 5-year average0.70%
ROA, 5-year average-4.17%
ROIC (approx.)-0.89%
Tax rate-0.92%
Other income / net worth3.84%
Growth
Sales growth (latest year)-6.36%
Sales CAGR, 3 years7.21%
Sales CAGR, 5 years-1.19%
Sales growth QoQ-37.04%
Sales growth YoY (latest quarter)-35.44%
Per share
EPS (TTM)Rs -0.67
EPS (latest quarter)Rs -0.02
EPS, 3-year averageRs -0.41
EPS, 5-year averageRs -0.90
Book value per shareRs 5.20
Sales per shareRs 2.37
Cash flow per shareRs 2.70
Free cash flow per shareRs 2.73
Efficiency
Asset turnover0.23x
Fixed asset turnover1.89x
Debtor days3 days
Debtors turnover120.25x
Leverage
Total debtRs 31 Cr
Cash and bankRs 2 Cr
Net debtRs 29 Cr
Debt to equity1.07x
Interest coverage-0.16x
Owners' fund to total sources44.80%
Debt to assets47.94%
Cash flow
Cash from Operating Activity (latest year)Rs 15 Cr
Cash from Investing Activity (latest year)Rs -3 Cr
Cash from Financing Activity (latest year)Rs -9 Cr
Net Cash Flow (latest year)Rs 3 Cr
Free cash flow (latest year)Rs 15 Cr
FCFE (approx.: FCF + change in debt)Rs 5 Cr
Sales to cash flow0.97x
Statement figures
Net sales (TTM)Rs 13 Cr
Net sales (latest year)Rs 14 Cr
Sales (latest quarter)Rs 3 Cr
Operating profit excl. other income (latest year)Rs -2 Cr
Operating profit (latest quarter)Rs 1 Cr
Other income (TTM)Rs 1 Cr
EBITDA (TTM)Rs -0 Cr
PBDT (TTM)Rs -3 Cr
Profit before tax (TTM)Rs -4 Cr
Tax (latest year)Rs 0 Cr
Net profit (TTM)Rs -4 Cr
Net profit (latest year)Rs -4 Cr
Net profit (latest quarter)Rs -0 Cr
Depreciation (TTM)Rs 0 Cr
Depreciation (latest quarter)Rs 0 Cr
Interest (TTM)Rs 3 Cr
Cost of goods sold (latest year)Rs 0 Cr
Total expenditure (latest year)Rs 16 Cr
Total income (latest year)Rs 16 Cr
Share capitalRs 55 Cr
ReservesRs -26 Cr
Shareholders' fundsRs 29 Cr
Total assetsRs 64 Cr
Net blockRs 8 Cr
InvestmentsRs 13 Cr
ReceivablesRs 0 Cr
Other liabilitiesRs 5 Cr
Shares outstanding (crore)5.51
Ownership
Promoter holding53.99% (-2.01 in a year)
Computed by MarketFriction from the consolidated statements. Returns use average balances.
P/B 2.23 is at the 61th percentile (median 1.93).
Monthly. Market cap from split-adjusted price; profit and book value as reported by that month. A low percentile means cheap versus its own history, not cheap versus peers.
PeriodTFLNifty 50Difference
1 week+0.8%-2.8% +3.5 pts
1 month+1.5%-6.8% +8.3 pts
3 months-1.4%-7.6% +6.2 pts
6 months+6.2%+0.4% +5.8 pts
1 year-20.0%-9.9% -10.1 pts
2 years-68.8%-13.6% -55.2 pts
3 years+17.6%+14.2% +3.4 pts
5 years+92.2%+27.9% +64.3 pts

Red flags

F-score 3 of 8
lookRepeated losses Net loss in each of the last two years
Checks on the latest reported years: cash vs profit, accruals, receivables and inventory vs sales, dilution, debt, interest cover, equity, other income, losses, and auditor, top-management, insolvency and regulator filings in the last 12 months. A flag asks for an explanation; it is not a verdict.

Latest quarter

Jun 2026
Revenue ₹3 Cr -35.4% vs Jun 2025. Net loss ₹0 Cr.
Against our estimate for Jun 2026: sales -36.9%, profit +90.7% beat. Our estimate for Sep 2026: sales Rs 3 Cr, profit Rs -1 Cr (how).

Activity

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No bulk or block deals on record.
Ex-dateActionFactor
2022-11-04Rights 1:1
2022-09-21Annual General Meeting
2021-09-21 Annual General Meeting
2020-09-22 Annual General Meeting
2019-09-19 Annual General Meeting
2018-09-18 Annual General Meeting
2017-08-02 Annual General Meeting
2016-09-09 Annual General Meeting
2015-08-31Annual General Meeting (Book Closure Date Revised)
2014-09-08Annual General Meeting
2013-09-18Annual General Meeting
2012-09-04Annual General Meeting And Dividend Re.0.50 Per Share
2011-09-06Annual General Meeting
2010-09-03Annual General Meeting
2009-07-24Agm/Div-Re.0.30 Per Share
2008-07-28Agm/Dividend - 10%
2007-07-23Agm/Dividend-10%
DateTypeWhat it says
2026-10-02Shareholder meetingVoting results.
2026-09-30Shareholder meetingProceedings of Annual General Meeting held on September 30, 2026
2026-09-04Shareholder meetingNotice of Annual General Meeting to be held on September 30, 2026
2026-08-25Board meeting outcomeOutcome of Board Meeting held on August 25, 2026.
2026-08-20General UpdatesGeneral Updates
2026-07-31Board meeting outcomeTranswarranty Finance Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.
2026-07-10Board meeting outcomeOutcome of Board Meeting held on July 10, 2026.
2026-06-17Disclosure under SEBI TakeovKumar Nair has Submitted to the Exchange a copy of Disclosure under Regulation 31(4) of the Securities and Exchange Board of India (Substantial Acquis...
2026-05-14Change in ManagementChange in Management
2026-05-13Press ReleaseA press release dated May 13, 2026, titled "Press Release Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations,2015".
2026-05-13General UpdatesGeneral Updates
2026-05-13Board meeting outcomeTranswarranty Finance Limited has submitted to the Exchange, the financial results for the period ended March 31, 2026.
2026-04-03General UpdatesGeneral Updates
2026-03-11Clarification - Financial ReThe Exchange has sought clarification from Transwarranty Finance Limited for the quarter ended 31-Dec-2025 with respect to Regulation 33 of the SEBI (...
2026-02-26General UpdatesIntimation about transmission of shares from the deceased Member belonging to the PromoterGroup of the Company to her Legal Heir
2026-02-17Press ReleaseA press release dated February 17, 2026, titled "Press Release Intimation Under Regulation 30 of SEBI (LODR) Regulations 2015, ".
2026-02-12Board meeting outcomeTranswarranty Finance Limited has submitted to the Exchange, the financial results for the period ended December 31, 2025.
2026-02-10Reply to Clarification- FinaThe Exchange had sought clarification from Transwarranty Finance Limited for the quarter ended 30-Sep-2025 with respect to Regulation 33 of the SEBI (...
2026-02-09Shareholder meetingShareholders meeting
2026-01-13Clarification - Financial ReThe Exchange has sought clarification from Transwarranty Finance Limited for the quarter ended 30-Sep-2025 with respect to Regulation 33 of the SEBI (...
2026-01-05Shareholder meetingNotice of Postal Ballot
2025-12-31Disclosure of material issueThis is to intimate you that, based on the recommendation of the Nomination, Remuneration and Compensation Committee, the Board of Directors of the Co...
2025-12-30General UpdatesGeneral Updates
2025-12-23UpdatesLoan availment and pledge of promoter shares.
2025-11-13Board meeting outcomeTranswarranty Finance Limited has submitted to the Exchange, the financial results for the quarter and half year ended September 30, 2025 and Approved...
Company filings to NSE, newest first. Routine notices (trading window, newspaper copies) are left out. Click a row for the filing.
No short selling reported to NSE in our files.
Short sales disclosed by brokers to NSE, by trade date. Collected since late September 2026.
EPS in the scrip is zero (4 trailing quarters)Less than 100 unique PAN traded in previous 30 days

Quick answers

What is the market cap of Transwarranty Finance Ltd?

Transwarranty Finance Ltd (TFL) has a market capitalisation of Rs 63.2 Cr. at the 2026-10-01 close.

What were Transwarranty Finance Ltd's latest quarterly results?

In the Jun 2026 quarter, Transwarranty Finance Ltd revenue was Rs 3 Cr (-35.4% vs Jun 2025) with a net loss of Rs 0 Cr.

What is the 52-week high and low of Transwarranty Finance Ltd?

The 52-week high is Rs 18.50 and the 52-week low is Rs 10.21.

Data: NSE and BSE daily reports, company filings. Numbers only, not investment advice, not a SEBI-registered research service.AboutMethodologyFAQResearchContactTermsPrivacyDisclaimerUpdated 2026-10-03