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Transwarranty Finance Limited
(TFL)
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Rating:47Neutral
Price Target:
₹11.50
▲(9.94% Upside)
Action:Reiterated
Date:10/28/26
The score is primarily held back by ongoing losses (negative earnings) despite improving revenue and cash flow, resulting in a weak valuation signal. Technicals are neutral-to-slightly weak with the price below key moving averages, offering limited near-term support.
Positive Factors
Revenue and margin recovery
FY2026 revenue rose about 35% year over year and gross margin improved materially versus FY2025, showing that the business regained scale and some operating efficiency. If sustained, this recovery can provide a stronger base for future earnings conversion over the next several quarters.
Negative Factors
Persistent unprofitability
The company’s revenue recovery has not yet translated into sustainable profitability, as EBIT, EBITDA, and net income remain negative. Continued losses weaken retained capital, limit internally funded growth, and leave the business exposed to setbacks if earnings do not improve over coming quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and margin recovery
FY2026 revenue rose about 35% year over year and gross margin improved materially versus FY2025, showing that the business regained scale and some operating efficiency. If sustained, this recovery can provide a stronger base for future earnings conversion over the next several quarters.
Read all positive factors
Transwarranty Finance Limited (TFL) vs. iShares MSCI India ETF (INDA)
Market Cap
₹633.84M
Dividend Yield5.84%
Average Volume (3M)1.11K
Price to Earnings (P/E)―
Beta (1Y)0.92
Revenue Growth-4.07%
EPS Growth4.43%
CountryIN
Employees42
SectorGeneral
Sector StrengthN/A
IndustryInvestment - Banking & Investment Services
Share Statistics
EPS (TTM)-0.67
Shares Outstanding55,116,196
10 Day Avg. Volume1,967
30 Day Avg. Volume1,111
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 in India. The company offers investment banking services, including private equity syndication, mergers and acquisitions, restructuring and structured fundin...
How the Company Makes Money
null...
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 | 148.81M | 162.30M | 126.28M | 111.47M | 94.06M | 127.48M |
| Gross Profit | 61.51M | 79.48M | 1.79M | -3.29M | -20.61M | -19.87M |
| EBITDA | -32.50M | -41.44M | -42.59M | 12.79M | -87.97M | -15.39M |
| Net Income | -36.88M | -44.22M | -50.78M | 5.82M | -89.99M | -22.79M |
Balance Sheet | ||||||
| Total Assets | 0.00 | 639.69M | 1.00B | 989.72M | 1.06B | 1.03B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 16.87M | 61.29M | 14.20M | 154.82M | 107.42M |
| Total Debt | 0.00 | 306.72M | 411.52M | 385.25M | 403.07M | 427.34M |
| Total Liabilities | -286.60M | 353.08M | 648.17M | 643.21M | 727.32M | 839.87M |
| Stockholders Equity | 286.60M | 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
10.46
Price Trends
11.89
Negative
11.73
Negative
12.45
Negative
Market Momentum
0.11
Positive
44.49
Neutral
34.75
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 10.46 is below the 20-day moving average (MA) of 11.99, below the 50-day MA of 11.89, and below the 200-day MA of 12.45, indicating a bearish trend. The MACD of 0.11 indicates Positive momentum. The RSI at 44.49 is Neutral, neither overbought nor oversold. The STOCH value of 34.75 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 (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
60 Neutral | ₹70.25B | 13.30 | ― | 2.32% | 25.32% | 26.24% | |
60 Neutral | ₹19.11B | 3.99 | ― | 1.64% | 4.35% | 3.85% | |
58 Neutral | ₹6.61B | 4.17 | ― | 3.67% | 0.64% | 22.22% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
53 Neutral | ₹1.50B | 4.56 | ― | ― | 29.20% | 26.92% | |
47 Neutral | ₹633.84M | -16.76 | ― | 5.84% | -4.07% | 4.43% | |
43 Neutral | ₹591.17M | 2.42 | ― | 1.51% | ― | ― |
* General Sector Average
IN:TFL
Transwarranty Finance Limited
11.50
-1.46
-11.27%
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Transwarranty Finance Limited Corporate Events
Transwarranty Finance Gets Shareholder Nod on All AGM Resolutions
Oct 2, 2026
Transwarranty Finance Limited has reported that its 32nd Annual General Meeting was held on September 30, 2026 via video conferencing and other audio-visual means, in line with regulatory guidance. The company submitted to the exchanges the detail...
Transwarranty Finance Sets September 30 Virtual AGM with Regulatory-Compliant Notices
Sep 6, 2026
Transwarranty Finance Limited has announced that its 32nd Annual General Meeting will be held on September 30, 2026 at 4:00 p.m. IST via video conference and other audio-visual means, in line with SEBI Listing Regulations and the Companies Act req...
Transwarranty Finance Calls AGM to Ratify Accounts and Extend Top Leadership Tenure
Sep 4, 2026
Transwarranty Finance Limited has convened its Thirty Second Annual General Meeting for the 2025-26 financial year on September 30, 2026, to be held via video conferencing and other audio-visual means in line with Indian listing and company law re...
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.