Transwarranty Finance Ltd
₹ 14.4
0.70%
03 Feb
- close price
About
Incorporated in 1994, Transwarranty Finance Ltd is an NBFC engaged in lending and advisory services
Key Points
- Market Cap ₹ 79.5 Cr.
- Current Price ₹ 14.4
- High / Low ₹ 21.9 / 11.6
- Stock P/E 150
- Book Value ₹ 6.72
- Dividend Yield 0.00 %
- ROCE 9.48 %
- ROE 7.87 %
- Face Value ₹ 10.0
Pros
Cons
- Company has low interest coverage ratio.
- Promoter holding has decreased over last quarter: -1.16%
- Company has a low return on equity of -2.13% over last 3 years.
- Promoters have pledged 46.4% of their holding.
* 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
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 8.80 | 7.92 | 10.01 | 11.84 | 9.61 | 10.61 | 1.42 | 6.82 | 6.72 | 3.84 | 9.62 | 12.42 | 14.07 | |
| Interest | 0.37 | 0.15 | 0.07 | 0.08 | 0.27 | 1.90 | 2.29 | 2.66 | 3.81 | 4.60 | 4.14 | 3.53 | 3.62 |
| 8.18 | 7.69 | 9.79 | 10.83 | 8.39 | 8.51 | 3.58 | 7.60 | 5.56 | 7.75 | 3.80 | 5.32 | 7.81 | |
| Financing Profit | 0.25 | 0.08 | 0.15 | 0.93 | 0.95 | 0.20 | -4.45 | -3.44 | -2.65 | -8.51 | 1.68 | 3.57 | 2.64 |
| Financing Margin % | 2.84% | 1.01% | 1.50% | 7.85% | 9.89% | 1.89% | -313.38% | -50.44% | -39.43% | -221.61% | 17.46% | 28.74% | 18.76% |
| 0.10 | 0.17 | 0.05 | 0.01 | -0.21 | 0.22 | 0.26 | 0.12 | 0.50 | 0.03 | 2.54 | -2.05 | -2.95 | |
| Depreciation | 0.13 | 0.08 | 0.06 | 0.05 | 0.61 | 0.24 | 0.27 | 0.21 | 0.21 | 0.22 | 0.22 | 0.23 | 0.24 |
| Profit before tax | 0.22 | 0.17 | 0.14 | 0.89 | 0.13 | 0.18 | -4.46 | -3.53 | -2.36 | -8.70 | 4.00 | 1.29 | -0.55 |
| Tax % | 0.00% | 35.29% | 0.00% | 15.73% | 38.46% | 16.67% | -2.91% | -1.42% | 0.00% | 0.00% | 0.00% | 49.61% | |
| 0.23 | 0.11 | 0.14 | 0.74 | 0.08 | 0.14 | -4.33 | -3.48 | -2.36 | -8.70 | 4.00 | 0.65 | -1.18 | |
| EPS in Rs | 0.05 | 0.02 | 0.03 | 0.15 | 0.02 | 0.03 | -0.89 | -0.71 | -0.48 | -1.78 | 0.82 | 0.12 | -0.21 |
| 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: | 5% |
| 5 Years: | 54% |
| 3 Years: | 23% |
| TTM: | -28% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 47% |
| 5 Years: | 21% |
| 3 Years: | 47% |
| TTM: | -97% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 2% |
| 5 Years: | 40% |
| 3 Years: | 16% |
| 1 Year: | -24% |
| Return on Equity | |
|---|---|
| 10 Years: | -3% |
| 5 Years: | -6% |
| 3 Years: | -2% |
| Last Year: | 8% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 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 | 53.99 |
| Reserves | 32.40 | 32.50 | 32.64 | 33.38 | 8.40 | 3.25 | -1.08 | -4.59 | -6.93 | -15.63 | -17.26 | -15.72 | -17.74 |
| Borrowing | 3.20 | 2.47 | 0.91 | 5.80 | 12.34 | 17.71 | 19.26 | 37.34 | 36.88 | 31.03 | 36.90 | 39.16 | 30.41 |
| 1.04 | 0.74 | 0.72 | 0.91 | 2.52 | 2.81 | 3.96 | 5.58 | 7.47 | 1.71 | 2.04 | 3.42 | 3.57 | |
| Total Liabilities | 61.10 | 60.17 | 58.73 | 64.55 | 47.72 | 48.23 | 46.60 | 62.79 | 61.88 | 65.57 | 70.57 | 80.85 | 70.23 |
| 0.39 | 0.29 | 0.23 | 0.17 | 9.07 | 8.84 | 8.60 | 8.38 | 8.18 | 7.98 | 7.90 | 7.81 | 7.73 | |
| 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 | 0.00 |
| Investments | 28.45 | 33.18 | 34.08 | 33.27 | 15.24 | 15.27 | 15.28 | 14.71 | 14.72 | 14.23 | 13.66 | 19.06 | 18.64 |
| 32.26 | 26.70 | 24.42 | 31.11 | 23.41 | 24.12 | 22.72 | 39.70 | 38.98 | 43.36 | 49.01 | 53.98 | 43.86 | |
| Total Assets | 61.10 | 60.17 | 58.73 | 64.55 | 47.72 | 48.23 | 46.60 | 62.79 | 61.88 | 65.57 | 70.57 | 80.85 | 70.23 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1.77 | 0.58 | 0.08 | -0.32 | -0.51 | -3.23 | 0.13 | -15.00 | 4.27 | -9.53 | -4.32 | -4.29 | |
| -0.79 | 0.29 | -0.27 | 0.48 | -0.61 | 0.10 | -0.04 | 0.62 | -0.02 | 0.26 | -1.51 | -0.23 | |
| -1.16 | -0.89 | -0.10 | -0.20 | 1.17 | 3.92 | -0.68 | 14.21 | -4.33 | 13.84 | 2.25 | 4.51 | |
| Net Cash Flow | -0.18 | -0.02 | -0.30 | -0.04 | 0.06 | 0.79 | -0.59 | -0.18 | -0.07 | 4.58 | -3.58 | -0.01 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 0.48% | 0.11% | 0.18% | 1.29% | -0.15% | 0.46% | -16.95% | -16.09% | -12.62% | -34.63% | 12.41% | 7.87% |
Documents
Announcements
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Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
15 Jan - Certificate under Regulation 74(5) of the SEBI ( Depositories and participants ) Regulations, 2018 for the quater ended December 31, 2025.
- Revised Disclosures under Reg. 31(1) and 31(2) of SEBI (SAST) Regulations, 2011. 7 Jan
-
Announcement under Regulation 30 (LODR)-Newspaper Publication
6 Jan - Listing Regulations - Newspaper Publication for Notice of Postal Ballot
-
Announcement under Regulation 30 (LODR)-Meeting Updates
5 Jan - Postal ballot to approve Ashok P. Nawany as Independent Director Nov 8,2025–Nov 7,2030; e-voting Jan 9–Feb 7,2026.
- Shareholder Meeting / Postal Ballot-Notice of Postal Ballot 5 Jan
Annual reports
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Financial Year 2025
from bse
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Financial Year 2024
from bse
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Financial Year 2023
from bse
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Financial Year 2022
from bse
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Financial Year 2021
from bse
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Financial Year 2020
from bse
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Financial Year 2019
from bse
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Financial Year 2018
from bse
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Financial Year 2017
from bse
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Financial Year 2016
from bse
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Financial Year 2015
from bse
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Financial Year 2014
from bse
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Financial Year 2013
from bse
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Financial Year 2012
from bse
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Financial Year 2011
from nse
Concalls
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Nov 2022TranscriptAI SummaryPPT
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.