Transwarranty Finance Limited (IN:TFL)
:TFL
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Transwarranty Finance Limited
(TFL)
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Rating:43Neutral
Price Target:
₹10.50
▼(-34.86% Downside)
Action:ReiteratedDate: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
Stable equity financing
A relatively stable equity ratio means a meaningful portion of assets is financed by equity rather than debt. Over the medium term this provides a solvency buffer, reduces immediate refinancing pressure and supports the firm’s ability to originate or hold mortgage assets while executing restructuring or profitability plans.
Negative Factors
Severe revenue decline
A ~38% revenue decline is a structural red flag for a finance firm: it erodes scale, reduces fee and interest income, and weakens the spread economics that underpin profitability. Sustained top-line contraction makes fixed costs harder to cover and limits capacity to rebuild capital without external funding.
Read all positive and negative factors
Positive Factors
Negative Factors
Stable equity financing
A relatively stable equity ratio means a meaningful portion of assets is financed by equity rather than debt. Over the medium term this provides a solvency buffer, reduces immediate refinancing pressure and supports the firm’s ability to originate or hold mortgage assets while executing restructuring or profitability plans.
Read all positive factors
Transwarranty Finance Limited (TFL) vs. iShares MSCI India ETF (INDA)
Market Cap
₹661.39M
Dividend YieldN/A
Average Volume (3M)3.16K
Price to Earnings (P/E)―
Beta (1Y)1.08
Revenue Growth-29.62%
EPS Growth-308.12%
CountryIN
Employees36
SectorFinancial
Sector Strength70
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)-0.17
Shares Outstanding55,116,196
10 Day Avg. Volume3,642
30 Day Avg. Volume3,163
Financial Highlights & Ratios
PEG Ratio0.01
Price to Book (P/B)2.35
Price to Sales (P/S)5.80
P/FCF Ratio-15.27
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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,...
How the Company Makes Money
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Transwarranty Finance Limited Financial Statement Overview
Summary
Income Statement
35
Negative
Balance Sheet
40
Negative
Cash Flow
30
Negative
| 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
Negative
16.12
Price Trends
13.15
Negative
13.82
Negative
14.97
Negative
Market Momentum
-0.27
Negative
44.74
Neutral
66.53
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 12.46, above the 50-day MA of 13.15, and above the 200-day MA of 14.97, indicating a bearish trend. The MACD of -0.27 indicates Negative momentum. The RSI at 44.74 is Neutral, neither overbought nor oversold. The STOCH value of 66.53 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | ₹603.44M | 32.32 | ― | ― | -5.50% | -12.14% | |
59 Neutral | ₹907.77M | -756.52 | ― | ― | 10.72% | -27.59% | |
50 Neutral | ₹456.00M | 9.83 | ― | ― | 39.46% | ― | |
43 Neutral | ₹661.39M | -23.53 | ― | ― | -29.62% | -308.12% | |
41 Neutral | ₹189.61M | -8.05 | ― | ― | 797.65% | ― |
* Financial Sector Average
IN:TFL
Transwarranty Finance Limited
12.00
-1.86
-13.42%
IN:HYBRIDFIN
Hybrid Financial Services Ltd.
20.84
9.43
82.65%
IN:MOTOGENFIN
Motor & General Finance Ltd.
23.44
-3.06
-11.55%
IN:TCIFINANCE
TCI Finance Limited
14.73
1.95
15.26%
IN:VIJIFIN
Viji Finance Ltd.
3.20
0.78
32.23%
Transwarranty Finance Limited Corporate Events
Transwarranty Finance Files SEBI Dematerialisation Compliance Certificate for December Quarter
Jan 15, 2026
Transwarranty Finance Limited has submitted to the stock exchanges a quarterly compliance certificate under Regulation 74(5) of the SEBI (Depositories and Participants) Regulations, 2018 for the period ended 31 December 2025, as issued by its regi...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.