Transwarranty Finance Ltd
₹ 16.1
1.96%
11 Jun
- close price
About
Incorporated in 1994, Transwarranty Finance Ltd is an NBFC engaged in lending and advisory services
Key Points
- Market Cap ₹ 87.3 Cr.
- Current Price ₹ 16.1
- High / Low ₹ 40.6 / 11.6
- Stock P/E
- Book Value ₹ 5.76
- Dividend Yield 0.00 %
- ROCE 1.28 %
- ROE -11.7 %
- Face Value ₹ 10.0
Pros
- Debtor days have improved from 269 to 134 days.
Cons
- Stock is trading at 2.80 times its book value
- Company has low interest coverage ratio.
- Company has a low return on equity of -14.7% over last 3 years.
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
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Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 14.25 | 13.23 | 15.82 | 19.30 | 17.23 | 17.89 | 7.56 | 15.32 | 15.72 | 11.71 | 14.54 | 14.90 | |
| 15.13 | 13.48 | 15.60 | 17.40 | 14.93 | 15.45 | 13.44 | 15.08 | 13.41 | 15.24 | 11.38 | 14.28 | |
| Operating Profit | -0.88 | -0.25 | 0.22 | 1.90 | 2.30 | 2.44 | -5.88 | 0.24 | 2.31 | -3.53 | 3.16 | 0.62 |
| OPM % | -6.18% | -1.89% | 1.39% | 9.84% | 13.35% | 13.64% | -77.78% | 1.57% | 14.69% | -30.15% | 21.73% | 4.16% |
| 0.61 | 0.98 | 0.45 | 0.53 | 0.37 | 0.80 | 0.56 | 0.86 | 0.84 | 0.32 | 2.84 | -1.26 | |
| Interest | 0.52 | 0.37 | 0.72 | 0.73 | 0.94 | 2.30 | 2.74 | 3.37 | 4.72 | 5.60 | 4.73 | 3.63 |
| Depreciation | 0.51 | 0.52 | 0.41 | 0.34 | 0.86 | 0.45 | 0.66 | 0.59 | 0.57 | 0.49 | 0.47 | 0.50 |
| Profit before tax | -1.30 | -0.16 | -0.46 | 1.36 | 0.87 | 0.49 | -8.72 | -2.86 | -2.14 | -9.30 | 0.80 | -4.77 |
| Tax % | 0.00% | 37.50% | 0.00% | 10.29% | 5.75% | 8.16% | -1.49% | -1.75% | 0.00% | -0.11% | -1.25% | 13.42% |
| -1.30 | -0.22 | -0.46 | 1.22 | 0.82 | 0.45 | -8.59 | -2.80 | -2.15 | -9.29 | 0.80 | -5.41 | |
| EPS in Rs | -0.27 | -0.04 | -0.09 | 0.25 | 0.17 | 0.06 | -1.35 | -0.64 | -0.47 | -1.84 | 0.12 | -1.00 |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 1% |
| 5 Years: | 15% |
| 3 Years: | -2% |
| TTM: | 2% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 8% |
| 3 Years: | -31% |
| TTM: | -719% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 12% |
| 5 Years: | 44% |
| 3 Years: | 26% |
| 1 Year: | -21% |
| Return on Equity | |
|---|---|
| 10 Years: | -7% |
| 5 Years: | -15% |
| 3 Years: | -15% |
| Last Year: | -12% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 24.46 | 24.46 | 24.46 | 24.46 | 24.46 | 24.46 | 24.46 | 24.46 | 24.46 | 48.46 | 48.89 | 53.99 |
| Reserves | 30.97 | 30.65 | 30.48 | 31.47 | 6.88 | 1.81 | -4.82 | -7.99 | -10.25 | -19.25 | -18.70 | -22.90 |
| 4.96 | 3.79 | 3.12 | 8.35 | 16.10 | 19.36 | 23.02 | 43.25 | 42.94 | 40.42 | 38.52 | 41.15 | |
| 14.74 | 15.73 | 15.83 | 20.56 | 20.02 | 22.15 | 19.21 | 34.74 | 45.60 | 36.57 | 30.27 | 27.79 | |
| Total Liabilities | 75.13 | 74.63 | 73.89 | 84.84 | 67.46 | 67.78 | 61.87 | 94.46 | 102.75 | 106.20 | 98.98 | 100.03 |
| 8.00 | 7.29 | 7.04 | 6.77 | 16.61 | 16.29 | 16.85 | 16.31 | 15.80 | 15.26 | 15.18 | 14.87 | |
| CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 29.09 | 23.24 | 24.15 | 20.01 | 0.89 | 0.68 | 0.70 | 0.13 | 0.14 | 0.15 | 0.06 | 0.10 |
| 38.04 | 44.10 | 42.70 | 58.06 | 49.96 | 50.81 | 44.32 | 78.02 | 86.81 | 90.79 | 83.74 | 85.06 | |
| Total Assets | 75.13 | 74.63 | 73.89 | 84.84 | 67.46 | 67.78 | 61.87 | 94.46 | 102.75 | 106.20 | 98.98 | 100.03 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| -0.23 | 1.65 | -0.26 | 0.61 | 0.43 | -0.92 | 0.82 | -9.60 | 15.86 | -12.20 | -14.75 | -4.57 | |
| -0.26 | -0.35 | -0.79 | 1.13 | -0.48 | -0.29 | 0.24 | -5.17 | -7.71 | 1.74 | 6.93 | -0.23 | |
| -1.49 | -0.84 | 0.15 | -0.87 | 1.63 | 1.96 | 0.39 | 17.13 | -4.86 | 16.47 | -6.24 | 4.88 | |
| Net Cash Flow | -1.98 | 0.46 | -0.89 | 0.87 | 1.58 | 0.74 | 1.44 | 2.36 | 3.29 | 6.01 | -14.06 | 0.08 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 114.75 | 129.12 | 106.13 | 128.41 | 155.91 | 263.40 | 308.99 | 243.97 | 271.89 | 441.99 | 231.45 | 134.24 |
| Inventory Days | 0.00 | 0.00 | 0.00 | 3.01 | 17.20 | 4.47 | 0.00 | 0.00 | ||||
| Days Payable | 599.97 | 988.94 | 817.42 | |||||||||
| Cash Conversion Cycle | 114.75 | 129.12 | 106.13 | -468.54 | -815.83 | -549.56 | 308.99 | 243.97 | 271.89 | 441.99 | 231.45 | 134.24 |
| Working Capital Days | 86.06 | 269.82 | 245.72 | 391.85 | 314.37 | 336.64 | 493.43 | 99.35 | -174.37 | 99.12 | 514.36 | 311.11 |
| ROCE % | -1.29% | -0.02% | 0.33% | 3.13% | 3.30% | 5.30% | -12.14% | 0.92% | 4.10% | -5.49% | 7.52% | 1.28% |
Documents
Announcements
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Compliances-Reg.24(A)-Annual Secretarial Compliance
30 May - Annual Secretarial Compliance Report with minor SEBI non-compliances and fines for FY 2024-25.
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Shareholder Meeting / Postal Ballot-Scrutinizer"s Report
6 May - Approved appointment of Independent Directors and re-appointment of CFO as Executive Director for 5 years.
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Announcement under Regulation 30 (LODR)-Newspaper Publication
5 May - Newspaper Advertisement for publication of Financial results for the quarter and financial year ended March 31, 2025
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Announcement under Regulation 30 (LODR)-Change in Management
3 May - Approved FY25 audited results; approved private placement of NCDs up to Rs.13.3 Cr; internal auditor re-appointed.
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Board Meeting Outcome for Outcome Of Board Meeting Held On Friday, May 02, 2025
3 May - Approved FY25 audited results; approved private placement of NCDs up to Rs.13.3 crore.
Annual reports
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Financial Year 2024
from bse
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
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Financial Year 2011
from nse
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Financial Year 2011
from bse
Concalls
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Nov 2022TranscriptNotesPPT
Business Overview:[1]
TFL has strong business association with large corporates and over 500 SME / MSMEs for 25+ yrs. It deals in trade finance, debt & equity & structured deals. Company has lending focused on niche social impact and Fintech segments with advisory business services for trade finance to investment banking. It operates though ~ 150 offices and ~ 20,000 registered clients. It also deals in third party products like Mutual funds, Bonds & Debentures and Fixed Deposits. TFL is IRDA approved corporate agency for life, general and medical insurance.