Transwarranty Finance Limited (IN:TFL)
:TFL
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Transwarranty Finance Limited
(TFL)
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Rating:45Neutral
Price Target:
₹12.50
▼(-22.46% Downside)
Action:Reiterated
Date:05/18/26
The score is primarily held back by weak financial profitability despite FY2026 recovery signals (revenue rebound, improved leverage, and positive operating/free cash flow). Technicals are mixed with a longer-term downtrend bias (below 100/200DMA and negative MACD), and valuation is constrained by a negative P/E due to losses.
Positive Factors
Revenue rebound
A ~35% top-line rebound and material gross margin improvement indicate renewed demand and better pricing/underwriting. Sustained revenue growth over several quarters would support scale economics, higher operating leverage and a clearer path to restoring durable profitability.
Negative Factors
Persistent unprofitability
Continued negative operating and net results mean the company has not converted revenue gains into sustainable earnings. Ongoing losses impair retained earnings, limit ability to pay shareholders, and require persistent cash or refinancing until structural margins improve.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue rebound
A ~35% top-line rebound and material gross margin improvement indicate renewed demand and better pricing/underwriting. Sustained revenue growth over several quarters would support scale economics, higher operating leverage and a clearer path to restoring durable profitability.
Read all positive factors
Transwarranty Finance Limited (TFL) vs. iShares MSCI India ETF (INDA)
Market Cap
₹631.63M
Dividend YieldN/A
Average Volume (3M)3.16K
Price to Earnings (P/E)―
Beta (1Y)1.07
Revenue Growth3.50%
EPS Growth-29.29%
CountryIN
Employees36
SectorFinancial
Sector Strength70
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)-1.06
Shares Outstanding55,116,196
10 Day Avg. Volume3,642
30 Day Avg. Volume3,163
Financial Highlights & Ratios
PEG Ratio0.62
Price to Book (P/B)2.12
Price to Sales (P/S)3.74
P/FCF Ratio18.10
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
34
Negative
Balance Sheet
46
Neutral
Cash Flow
52
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 120.00M | 162.30M | 126.28M | 111.47M | 94.06M | 127.48M |
| Gross Profit | -22.92M | 79.48M | 1.79M | -3.29M | -20.61M | -19.87M |
| EBITDA | -47.44M | -41.44M | -42.59M | 12.79M | -87.97M | -15.39M |
| Net Income | -72.78M | -44.22M | -50.78M | 5.82M | -89.99M | -22.79M |
Balance Sheet | ||||||
| Total Assets | 854.90M | 639.69M | 1.00B | 989.72M | 1.06B | 1.03B |
| Cash, Cash Equivalents and Short-Term Investments | 86.86M | 16.87M | 61.29M | 14.20M | 154.82M | 107.42M |
| Total Debt | 335.94M | 306.72M | 411.52M | 385.25M | 403.07M | 427.34M |
| Total Liabilities | 523.85M | 353.08M | 648.17M | 643.21M | 727.32M | 839.87M |
| Stockholders Equity | 292.25M | 286.60M | 310.92M | 301.91M | 292.15M | 142.13M |
Cash Flow | ||||||
| Free Cash Flow | 107.86M | 33.58M | -47.95M | -149.69M | -123.42M | 157.63M |
| Operating Cash Flow | 108.98M | 33.58M | -45.71M | -147.52M | -121.97M | 158.65M |
| Investing Cash Flow | -8.02M | 47.70M | -2.26M | 69.29M | 17.42M | -77.08M |
| Financing Cash Flow | -99.26M | -47.14M | 48.75M | -62.39M | 164.68M | -48.62M |
Transwarranty Finance Limited Technical Analysis
Negative
16.12
Price Trends
12.54
Negative
13.49
Negative
14.26
Negative
Market Momentum
-0.20
Positive
43.00
Neutral
14.52
Positive
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 12.39, above the 50-day MA of 12.54, and above the 200-day MA of 14.26, indicating a bearish trend. The MACD of -0.20 indicates Positive momentum. The RSI at 43.00 is Neutral, neither overbought nor oversold. The STOCH value of 14.52 is Positive, 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 |
|---|---|---|---|---|---|---|---|
76 Outperform | ₹571.06M | 32.32 | ― | ― | -9.39% | -8.70% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | ₹541.50M | 20.64 | ― | ― | 78.70% | 2090.59% | |
59 Neutral | ₹968.18M | -756.52 | ― | ― | 3.79% | -41.25% | |
45 Neutral | ₹631.63M | -13.74 | ― | ― | 3.50% | -29.29% | |
41 Neutral | ₹175.45M | -8.05 | ― | ― | 8724.24% | ― |
* Financial Sector Average
IN:TFL
Transwarranty Finance Limited
11.46
-3.79
-24.85%
IN:HYBRIDFIN
Hybrid Financial Services Ltd.
19.40
6.80
53.97%
IN:MOTOGENFIN
Motor & General Finance Ltd.
25.00
-2.29
-8.39%
IN:TCIFINANCE
TCI Finance Limited
13.63
1.37
11.17%
IN:VIJIFIN
Viji Finance Ltd.
3.80
1.50
65.22%
Transwarranty Finance Limited Corporate Events
Transwarranty Finance Updates Promoter Group Shareholding After Intra-Group Transfer
Apr 3, 2026
Transwarranty Finance Limited has disclosed that its promoter, Mr. Kumar Nair, has transferred 1.2 million fully paid-up equity shares by way of gift to multiple individual recipients, who will now be classified as part of the company’s Prom...
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.