Transwarranty Finance Limited (TFL) AI Stock Analysis

0 Followers

Transwarranty Finance Limited

(NSE:TFL)

Select Model

Rating:46Neutral

Price Target:INR 11.50▼(-3.36% Downside)

Action:reiterated

Date:10/28/26

The overall score is constrained by persistent net losses and a negative P/E ratio, which are the most significant risks. Positive factors include improving revenue growth, a stronger balance sheet, and a recent shift to positive operating cash flow, but these have yet to translate into sustainable profitability. Technical indicators are neutral, providing no strong directional signal.

Positive Factors

Revenue and margin recoveryFY2026 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 unprofitabilityThe 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.

Transwarranty Finance Limited (TFL) vs. iShares MSCI India ETF (INDA)

Market Cap: INR 628.32M
Dividend Yield: ―
Average Volume (3M): 1,773
Price to Earnings (P/E): -25.4
Beta (1Y): 0.82
Revenue Growth: 3.98%
EPS Growth: 55.06%
Country: India
Employees: 42
Sector: General
Sector Strength: 55
Industry: Investment - Banking & Investment Services

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 funding;...

How the Company Makes Money

null

Transwarranty Finance Limited Financial Statement Overview

Summary

Revenue grew 35% and gross margin improved to 49%, but the company remains unprofitable with a -27% net margin. The balance sheet has improved with debt-to-equity falling to 1.07, and operating cash flow turned positive. However, consistent profitability is still missing, and historical cash flow volatility tempers the positive trends.

Income Statement

35Negative

Balance Sheet

55Neutral

Cash Flow

45Neutral

Financial statement breakdown
Breakdown	TTM	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022
Income Statement
Total Revenue	143.68M	162.30M	126.28M	111.47M	94.06M	127.48M
Gross Profit	71.73M	79.48M	1.79M	-3.29M	-20.61M	-19.87M
EBITDA	-20.99M	-41.44M	-42.59M	12.79M	-87.97M	-15.39M
Net Income	-25.38M	-44.22M	-50.78M	5.82M	-89.99M	-22.79M
Balance Sheet
Total Assets	649.49M	639.69M	1.00B	989.72M	1.06B	1.03B
Cash, Cash Equivalents and Short-Term Investments	22.17M	16.87M	61.29M	14.20M	154.82M	107.42M
Total Debt	308.78M	306.72M	411.52M	385.25M	403.07M	427.34M
Total Liabilities	364.76M	353.08M	648.17M	643.21M	727.32M	839.87M
Stockholders Equity	284.73M	286.60M	310.92M	301.91M	292.15M	142.13M
Cash Flow
Free Cash Flow	0	33.58M	-47.95M	-149.69M	-123.42M	157.63M
Operating Cash Flow	0	33.58M	-45.71M	-147.52M	-121.97M	158.65M
Investing Cash Flow	0	47.70M	-2.26M	69.29M	17.42M	-77.08M
Financing Cash Flow	0	-47.14M	48.75M	-62.39M	164.68M	-48.62M

Transwarranty Finance Limited Technical Analysis

Technical Analysis SentimentPositive

Last Price11.90

Price Trends

50DMA11.85Positive

100DMA11.63Positive

200DMA12.23Negative

Market Momentum

MACD-0.09Positive

RSI51.74Neutral

STOCH45.76Neutral

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 11.90 is above the 20-day moving average (MA) of 11.81, above the 50-day MA of 11.85, and below the 200-day MA of 12.23, indicating a neutral trend. The MACD of -0.09 indicates Positive momentum. The RSI at 51.74 is Neutral, neither overbought nor oversold. The STOCH value of 45.76 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

Overall Rating

UnderperformOutperform

Sector (55)

Financial Indicators

IN:TFL against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
IN:REPCOHOME	69Neutral	INR 24.35B	4.84	―	2.63%	5.33%	7.15%
IN:INDIASHLTR	65Neutral	INR 67.27B	12.35	―	2.39%	23.38%	22.43%
IN:GICHSGFIN	63Neutral	INR 7.05B	4.57	―	3.36%	0.64%	22.22%
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%
IN:SRGHFL	49Neutral	INR 1.61B	4.80	―	―	29.20%	26.92%
IN:TFL	46Neutral	INR 606.83M	-25.42	―	―	3.98%	55.06%
IN:RHFL	43Neutral	INR 722.00M	3.06	―	―	―	―

* General Sector Average

Performance Comparison

IN:TFL and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
IN:TFL	Transwarranty Finance Limited	11.90	-0.50	-4.03%
IN:GICHSGFIN	GIC Housing Finance Limited	133.80	-34.04	-20.28%
IN:INDIASHLTR	India Shelter Finance Corp. Ltd.	625.35	-259.10	-29.30%
IN:REPCOHOME	Repco Home Finance Ltd.	380.00	-27.98	-6.86%
IN:RHFL	Reliance Home Finance Ltd.	1.55	-1.80	-53.73%
IN:SRGHFL	SRG Housing Finance Ltd.	102.50	-177.80	-63.43%

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 detailed...

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 requir...

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 requi...

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.

Date of analysis: Oct 28, 2026

Transwarranty Finance Limited AI Stock Analysis