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Transwarranty Finance Limited
(TFL)
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Rating:47Neutral
Price Target:
₹11.50
▲(9.94% Upside)
Action:Reiterated
Date:08/18/26
The score is held down primarily by weak profitability (continued losses) despite improving revenue, deleveraging, and a return to positive cash flow. Technicals are mildly supportive but not strong enough to offset the fundamental earnings risk, and valuation is constrained by negative earnings and no provided dividend yield.
Positive Factors
Revenue rebound and margin improvement
The strong FY2026 top-line recovery and improved gross margin indicate better operating traction. If sustained, this can provide a foundation for scaling the business and moving toward profitability, although earnings conversion remains unproven.
Negative Factors
Persistent operating and net losses
The company has not yet converted its revenue recovery into sustainable earnings. Continued losses weaken retained capital, limit internally funded growth, and increase execution risk until margins improve enough to support consistent profitability.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue rebound and margin improvement
The strong FY2026 top-line recovery and improved gross margin indicate better operating traction. If sustained, this can provide a foundation for scaling the business and moving toward profitability, although earnings conversion remains unproven.
Read all positive factors
Transwarranty Finance Limited (TFL) vs. iShares MSCI India ETF (INDA)
Market Cap
₹647.06M
Dividend YieldN/A
Average Volume (3M)3.16K
Price to Earnings (P/E)―
Beta (1Y)1.17
Revenue Growth-4.07%
EPS Growth4.95%
CountryIN
Employees37
SectorGeneral
Sector StrengthN/A
IndustryInvestment - Banking & Investment Services
Share Statistics
EPS (TTM)-0.67
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 in India. The company offers investment banking services, including private equity syndication, mergers and acquisitions, restructuring and structured fundin...
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 | 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 | -35.39M | -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
Positive
10.46
Price Trends
11.44
Positive
11.91
Positive
12.89
Negative
Market Momentum
0.17
Negative
59.36
Neutral
62.64
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:TFL, the sentiment is Positive. The current price of 10.46 is below the 20-day moving average (MA) of 11.39, below the 50-day MA of 11.44, and below the 200-day MA of 12.89, indicating a neutral trend. The MACD of 0.17 indicates Negative momentum. The RSI at 59.36 is Neutral, neither overbought nor oversold. The STOCH value of 62.64 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 |
|---|---|---|---|---|---|---|---|
69 Neutral | ₹22.67B | 4.77 | ― | 2.19% | 4.35% | 3.86% | |
64 Neutral | ₹4.01B | 11.94 | ― | ― | 29.20% | 26.91% | |
60 Neutral | ₹71.66B | 13.40 | ― | 0.60% | 25.32% | 26.24% | |
58 Neutral | ₹7.63B | 4.86 | ― | 2.54% | 0.64% | 22.22% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
47 Neutral | ₹647.06M | -18.01 | ― | ― | -4.07% | 4.95% | |
43 Neutral | ₹915.83M | 3.76 | ― | ― | ― | ― |
* General Sector Average
IN:TFL
Transwarranty Finance Limited
12.33
-4.87
-28.31%
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255.15
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-17.44%
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.