Key Financials Snapshot

TTM · Consolidated · ₹ in Cr
Market Cap
₹65 Cr.
Stock P/E
-14.8
P/B
2.3
Current Price
₹11.9
Book Value
₹ 5.2
Face Value
10
52W High
₹18.7
52W Low
₹ 10.3
Dividend Yield
0%

Transwarranty Fin. Overview

Business

Transwarranty Finance Ltd. (TFL) is an Indian Non-Banking Financial Company (NBFC). Its core business involves providing various financial services, primarily lending, without holding a full banking license. As an NBFC, TFL typically offers a range of credit products and financial solutions, which may include corporate loans, project finance, asset-backed lending, inter-corporate deposits, and potentially other advisory or wealth management services. The company makes money primarily through the interest income generated from its loan portfolio, as well as fees for other financial services provided.

Revenue Mix

Specific segment breakdowns and their contribution are not available in the provided information. Generally, for an NBFC like TFL, the primary revenue driver would be interest income from its lending activities. Segments could typically be categorized by the type of borrower (e.g., corporate, MSME, retail), type of asset financed, or specific product offerings.

Industry

TFL operates within India's highly competitive Non-Banking Financial Company sector. This industry is regulated by the Reserve Bank of India (RBI) and comprises a diverse range of players, from large, diversified NBFCs to smaller, niche-focused entities. TFL's positioning would likely be among the smaller to mid-sized NBFCs, competing not only with other NBFCs but also with traditional commercial banks for credit demand. Its market share and specific niche would define its standing against peers, but without further data, it can be assumed to operate in a segment requiring focused strategy to differentiate.

MOAT

Based on the limited information, TFL does not appear to possess easily identifiable, strong, durable competitive advantages (moats) typical of large, well-established financial institutions (e.g., vast branch networks, low-cost deposit funding, dominant brand). Any potential advantage would likely stem from:

Niche Expertise: Specialization in a particular lending segment or customer group.

Agility & Flexibility: As an NBFC, it might be more agile than traditional banks in credit assessment and disbursement for certain segments.

Relationship-based Lending: Strong client relationships within its target market.

However, these are generally less robust moats in a commoditized financial services market.

Growth Drivers

Key factors that could drive TFL's growth over the next 3-5 years include:

Economic Growth: Continued robust economic growth in India would increase overall demand for credit across various sectors (corporate, MSME, retail).

Credit Gap: Ability to tap into underserved credit segments where traditional banks may have limited reach or appetite.

Infrastructure & Corporate Spending: Increased investment in infrastructure and corporate expansion initiatives requiring financing.

Digital Adoption: Leveraging technology for efficient customer acquisition, underwriting, and loan servicing to scale operations.

Access to Funding: Securing diverse and cost-effective funding sources to support balance sheet growth.

Risks

Credit Risk: Deterioration in asset quality leading to non-performing assets (NPAs) due to borrower defaults, especially sensitive to economic downturns or sector-specific stress.

Interest Rate Risk: Fluctuations in interest rates can impact profitability (net interest margin) and the cost of funds.

Funding & Liquidity Risk: Challenges in accessing adequate, timely, and cost-effective funding sources (e.g., bank loans, debentures) can constrain growth and create liquidity pressures.

Regulatory Risk: Changes in RBI regulations for NBFCs (e.g., capital adequacy norms, asset classification, provisioning requirements) can impact operations and profitability.

Competition: Intense competition from other NBFCs, banks, and new age fintech lenders can compress margins and limit market share.

Management & Ownership

Transwarranty Finance Ltd. is a publicly listed company. It is likely promoted by an individual or a family, which is common in Indian corporate structures, holding a significant stake. Without specific names, it is not possible to comment on the track record or experience of the current management team. The ownership structure would typically involve the promoter group, institutional investors, and public shareholders.

Outlook

TFL operates in the dynamic Indian NBFC sector, which holds significant potential driven by India's ongoing economic growth and substantial credit demand from various segments. The ability of TFL to identify and effectively serve specific market niches, maintain strong asset quality, and efficiently manage its cost of funds will be crucial for its sustained performance. The sector, however, remains highly competitive and is subject to evolving regulatory landscape and economic cycles that can impact asset quality and funding availability. Therefore, while growth opportunities exist, prudent risk management and strategic focus will be key determinants of its future trajectory.

Transwarranty Fin. Share Price

Live · BSE / NSE · Inception: 1994
₹ | |
Volume
Price

Key Financials — Profit & Loss

₹ in Cr · Consolidated · annual

Transwarranty Fin. Quarterly Results

#(Fig in Cr.) Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
Operating Revenue 5 4 4 4 3 4 3 3 4 3
Other Income 1 0 1 -1 0 0 0 1 1 0
Total Income 6 4 5 3 4 4 3 4 5 3
Total Expenditure 2 3 4 4 3 4 4 4 5 2
Operating Profit 4 1 1 -1 0 0 -0 -0 -0 1
Interest Expense 1 1 1 1 1 1 1 1 1 1
Depreciation 0 0 0 0 0 0 0 0 -0 0
Profit Before Tax 3 -0 0 -2 -0 -1 -1 -1 -1 0
Provision for Tax -0 0 0 0 0 0 -0 0 0 0
Profit After Tax 3 -0 0 -2 -0 -1 -1 -1 -1 0
Adjustments 0 -0 0 0 -0 -0 0 -0 0 -0
Profit After Adjustments 3 -0 0 -2 -0 -1 -1 -1 -1 -0
Adjusted Earnings Per Share 0.6 -0.1 0.1 -0.4 -0.1 -0.2 -0.2 -0.2 -0.3 -0

Transwarranty Fin. Profit & Loss

#(Fig in Cr.) Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
Operating Revenue 15 18 16 17 7 14 15 11 14 15 14 13
Other Income 1 2 2 2 2 2 2 1 3 1 2 2
Total Income 16 20 18 19 8 16 17 12 17 16 16 15
Total Expenditure 16 17 15 15 13 15 13 15 11 15 16 15
Operating Profit 1 2 3 3 -5 1 3 -3 6 1 -0 1
Interest Expense 1 1 1 2 3 3 5 6 5 4 3 4
Depreciation 0 0 1 0 1 1 1 0 0 1 0 0
Profit Before Tax -0 1 1 0 -9 -3 -2 -9 1 -5 -4 -3
Provision for Tax -0 0 0 0 -0 -0 0 -0 -0 1 0 0
Profit After Tax -0 1 1 0 -9 -3 -2 -9 1 -5 -4 -3
Adjustments 0 -0 -0 -0 2 -0 -0 0 -0 0 1 0
Profit After Adjustments -0 1 0 0 -7 -3 -2 -9 1 -5 -3 -3
Adjusted Earnings Per Share -0.1 0.4 0.2 0.1 -2.5 -1.2 -0.9 -1.9 0.1 -0.9 -0.6 -0.7

Transwarranty Fin. Balance Sheet

#(Fig in Cr.) Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Shareholder's Funds 55 56 31 26 20 16 14 29 30 31 29
Minority's Interest 5 6 6 6 4 4 5 4 4 4 0
Borrowings 1 6 12 9 11 32 30 31 32 32 19
Current Liability 13 16 18 26 27 42 54 41 30 31 16
Other Liabilities & Provisions 1 1 1 -2 -2 -2 -2 -2 1 -1 -2
Total Liabilities 75 85 69 66 60 92 101 104 97 98 62
Loans 0 0 0 0 0 0 0 0 27 33 22
Investments 23 20 1 1 1 0 0 0 0 0 10
Fixed Assets 7 7 17 16 17 16 16 15 15 15 8
Other Loans 21 21 14 8 8 11 8 10 32 24 4
Other Non Current Assets 0 0 4 10 9 11 12 9 15 17 9
Current Assets 24 37 34 31 25 53 65 70 7 9 9
Total Assets 75 85 69 66 60 92 101 104 97 98 62

Transwarranty Fin. Cash Flow

#(Fig in Cr.) Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Opening Cash & Cash Equivalents 3 2 3 2 2 4 6 9 15 1 1
Cash Flow from Operating Activities -0 1 0 -1 1 -10 16 -12 -15 -5 15
Cash Flow from Investing Activities -1 1 -0 -0 0 -5 -8 2 7 -0 -3
Cash Flow from Financing Activities 0 -1 2 2 0 17 -5 16 -6 5 -9
Net Cash Inflow / Outflow -1 1 2 1 1 2 3 6 -14 0 3
Closing Cash & Cash Equivalent 2 3 5 2 4 6 9 15 1 1 5

Transwarranty Fin. Ratios

# Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Earnings Per Share (Rs) -0.06 0.37 0.18 0.11 -2.47 -1.17 -0.85 -1.86 0.12 -0.94 -0.6
CEPS(Rs) -0.02 0.59 0.63 0.34 -2.97 -0.83 -0.59 -1.82 0.26 -0.91 -0.76
DPS(Rs) 0 0 0 0 0 0 0 0 0 0 0
Book NAV/Share(Rs) 20.61 20.97 11.75 9.85 7.37 6.18 5.33 6.03 6.17 5.76 5.2
Net Profit Margin -3.04 6.79 5.06 2.65 -130.07 -19.64 -14.53 -85.79 5.68 -36.29 -30.65
Operating Margin 1.64 11.62 11.09 16.51 -90.63 3.55 17.39 -34.12 39.24 -7.67 -6.72
PBT Margin -3.06 7.57 5.34 2.92 -132.11 -20.02 -14.53 -85.86 5.66 -32.02 -30.34
ROA(%) -0.62 1.53 1.07 0.67 -13.67 -3.69 -2.23 -9.08 0.8 -5.56 -5.54
ROE(%) -0.84 2.2 1.89 1.56 -37.38 -15.55 -14 -42.78 2.69 -17.66 -14.81
ROCE(%) 0.43 3.41 3.24 6.01 -13.62 1 4.42 -5.84 8.01 -1.62 -1.47
Price/Earnings(x) 0 24.34 44.51 36.45 0 0 0 0 89.16 0 0
Price/Book(x) 0.31 0.43 0.67 0.42 0.3 0.34 1.36 1.54 1.72 2.52 2.12
Dividend Yield(%) 0 0 0 0 0 0 0 0 0 0 0
EV/Net Sales(x) 1.15 1.62 1.99 1.45 3.35 2.38 2.49 5.17 6.3 7.91 6.29
EV/Core EBITDA(x) 28.51 11.99 11.23 7.59 -4.15 31.02 11.68 -17.43 14.81 80.75 -2279.34
Interest Earned Growth(%) 21.76 17.61 -9.34 3.96 -61.06 116.66 3.45 -26.78 30.11 5.76 -3.17
Net Profit Growth -107.4 362.91 -32.43 -45.55 -2011.65 67.28 23.48 -332.39 108.61 -775.68 18.22
EPS Growth(%) -206.03 694.86 -51.7 -36.33 -2280.48 52.55 27.07 -117.28 106.41 -890.59 36.14
Interest Coverage(x) % 0.35 2.87 1.93 1.21 -2.19 0.15 0.54 -0.66 1.17 -0.32 -0.28

Growth Rates

Compounded annual
# 1 Year 3 Year 5 Year 10 Year
Sales CAGR -7% +8% 0% -1%
Operating Profit CAGR -100% — -100% -100%
PAT CAGR — — — —
Share Price CAGR -16% +8% +17% +3%
ROE Average -15% -10% -17% -12%
ROCE Average -1% +2% +1% 0%

Transwarranty Fin. Shareholding Pattern

Latest · Jun 2026
100% held
Promoters 53.99 %
FII 0 %
DII (MF + Insurance) 0 %
Public (retail) 46.01 %
# Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
Promoter 61.8561.8556.3256.3256565654.8453.9953.99
FII 0000000000
DII 0000000000
Public 38.1538.1543.6843.6844444445.1646.0146.01
Others 0000000000
Total 100100100100100100100100100100

Transwarranty Fin. Peer Comparison

Finance - NBFC Edit Columns

Transwarranty Fin. Quarterly Price

10-year quarterly close · BSE
Show Value Show %

News & Updates

See more…

Transwarranty Fin. Pros & Cons

Pros

  • Company has reduced debt.

Cons

  • Company has a low return on equity of -10% over the last 3 years.
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