Transwarranty Finance Limited (TFL) AI Stock Analysis

• Market Cap: ₹606.83M
• Dividend Yield: N/A
• Average Volume (3M): 3.16K
• Price to Earnings (P/E): ―
• Beta (1Y): 1.20
• Revenue Growth: -29.62%
• EPS Growth: -308.12%
• Country: IN
• Employees: 36
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Mortgages
• EPS (TTM): -0.17
• Shares Outstanding: 55,116,196
• 10 Day Avg. Volume: 3,642
• 30 Day Avg. Volume: 3,163
• PEG Ratio: 0.01
• Price to Book (P/B): 2.35
• Price to Sales (P/S): 5.80
• P/FCF Ratio: -15.27
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 43 Neutral
• Price Target: ₹14.50 ▼(-10.05% Downside)
• Action: Reiterated Date: 03/10/26
• Date: Action: Reiterated 03/10/26

Overall score is pressured primarily by poor financial performance (sharp revenue decline, large losses, negative operating/free cash flow, and higher leverage). Technicals are mixed with some short-term support but weaker long-term trend (below 200DMA), while valuation is constrained by negative earnings (negative P/E) and no dividend yield data.

Positive Factors

Diversified revenue streams

TFL's business model collects income from multiple durable sources—interest on loans, commissions from insurers, and administration fees—creating recurring cash flow streams tied to warranty products. Diversification across fees and financing supports resilience versus a single-product dependency.

Negative Factors

Declining revenue trend

A ~38% revenue drop signals erosion in core originations or product take-up; sustained top-line contraction undermines scale economics, weakens bargaining with distribution partners, and compresses ability to cover fixed costs. Continued declines hinder sustainable growth and reinvestment.

Transwarranty Finance Limited Business Overview & Revenue Model

Company Description

Transwarranty Finance Limited, a non-banking finance company, provides financial services to companies and retail clients in India. Its investment banking services comprise mergers and acquisitions, venture capital, private equity, joint ventures,...

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Transwarranty Finance Limited, a non-banking finance company, provides financial services to companies and retail clients in India. Its investment banking services comprise mergers and acquisitions, venture capital, private equity, joint ventures,...

How the Company Makes Money

Transwarranty Finance Limited generates revenue through multiple streams, primarily by offering warranty financing and insurance products to consumers and businesses. The company charges interest on the loans provided for warranty purchases, creat...

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Transwarranty Finance Limited generates revenue through multiple streams, primarily by offering warranty financing and insurance products to consumers and businesses. The company charges interest on the loans provided for warranty purchases, creat...

Transwarranty Finance Limited Financial Statement Overview

Breakdown	TTM	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	120.00M	126.28M	111.47M	94.06M	127.48M	137.79M
Gross Profit	-22.92M	1.79M	-3.29M	-20.61M	-19.87M	-10.34M
EBITDA	-47.44M	-42.59M	12.79M	-87.97M	-15.39M	-22.24M
Net Income	-72.78M	-50.78M	5.82M	-89.99M	-22.79M	-31.24M
Balance Sheet
Total Assets	854.90M	1.00B	989.72M	1.06B	1.03B	944.61M
Cash, Cash Equivalents and Short-Term Investments	86.86M	61.29M	14.20M	154.82M	107.42M	71.56M
Total Debt	335.94M	411.52M	385.25M	403.07M	427.34M	432.46M
Total Liabilities	523.85M	648.17M	643.21M	727.32M	839.87M	735.77M
Stockholders Equity	292.25M	310.92M	301.91M	292.15M	142.13M	164.69M
Cash Flow
Free Cash Flow	107.86M	-47.95M	-149.69M	-123.42M	157.63M	-96.93M
Operating Cash Flow	108.98M	-45.71M	-147.52M	-121.97M	158.65M	-95.97M
Investing Cash Flow	-8.02M	-2.26M	69.29M	17.42M	-77.08M	-51.74M
Financing Cash Flow	-99.26M	48.75M	-62.39M	164.68M	-48.62M	171.29M

Transwarranty Finance Limited Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 16.12
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:TFL, the sentiment is Negative. The current price of 16.12 is above the 20-day moving average (MA) of 12.80, above the 50-day MA of 13.46, and above the 200-day MA of 15.10, indicating a bearish trend. The MACD of -0.36 indicates Positive momentum. The RSI at 35.91 is Neutral, neither overbought nor oversold. The STOCH value of 31.95 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:TFL.

Transwarranty Finance Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
HYBRIDFIN	65 Neutral	₹509.84M	32.32	―	―	-5.50%	-12.14%
MOTOGENFIN	59 Neutral	₹728.07M	-756.52	―	―	10.72%	-27.59%
VIJIFIN	50 Neutral	₹400.42M	9.83	―	―	39.46%	―
TFL	43 Neutral	₹606.83M	-23.53	―	―	-29.62%	-308.12%
TCIFINANCE	41 Neutral	₹165.80M	-8.05	―	―	797.65%	―

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