Share Price and Basic Stock Data
Last Updated: January 3, 2026, 12:40 pm
| PEG Ratio | 0.00 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Transwarranty Finance Ltd operates in the Finance & Investments sector and reported a market capitalization of ₹88.2 Cr with a share price of ₹16.1. The company’s revenue has experienced fluctuations over recent quarters, with sales standing at ₹2.74 Cr in September 2022 and increasing to ₹3.25 Cr by September 2023. However, a dip was noted in March 2023, where sales fell to ₹1.92 Cr, indicating potential operational challenges. Notably, the trailing twelve-month (TTM) sales recorded was ₹14.28 Cr, reflecting a slight decline from ₹15.41 Cr in FY 2025. The company’s operational performance is further illustrated by its negative operating profit margin (OPM) of -10.27% as of March 2025, highlighting ongoing struggles in maintaining profitability. The company’s sales growth trajectory will need to be closely monitored, especially as it navigates the competitive landscape of the finance sector.
Profitability and Efficiency Metrics
Transwarranty Finance Ltd’s profitability metrics highlight significant challenges, particularly with a reported net profit of -₹5.54 Cr for FY 2025. The company has struggled with consistent losses, as evidenced by a negative net profit margin of -36.29% in the same period. Operating profit has also remained erratic, with a reported operating profit of ₹1.13 Cr for FY 2025, down from ₹3.24 Cr in FY 2024. Efficiency metrics reveal a concerning cash conversion cycle (CCC) of 129.80 days, indicating that the company takes an extended time to convert its investments into cash flow. Additionally, the return on equity (ROE) stood at 10.1%, which is relatively low compared to the typical sector average, suggesting that the company is not effectively utilizing its equity base to generate returns. These metrics underscore the need for operational improvements to enhance profitability and efficiency.
Balance Sheet Strength and Financial Ratios
Transwarranty Finance Ltd’s balance sheet reflects a precarious financial position, particularly with reserves declining to -₹24.76 Cr as of September 2025. This negative reserve position raises concerns about the company’s ability to absorb future losses. Borrowings stood at ₹33.59 Cr, and the total debt-to-equity ratio was recorded at 1.32, indicating a high level of leverage compared to industry norms. The interest coverage ratio (ICR) of 0.40x suggests that the company is struggling to meet its interest obligations, raising further concerns about financial stability. The book value per share has also declined to ₹5.76, down from ₹7.09 in FY 2024, which may deter potential investors. Overall, the financial ratios indicate a company under financial strain, requiring immediate attention to improve its capital structure.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Transwarranty Finance Ltd reveals a significant level of promoter ownership at 56.00%, which may signal a degree of confidence in the company’s long-term prospects. The public holding is at 44.00%, reflecting a balanced distribution of shares among retail investors. However, the absence of foreign institutional investors (FIIs) and domestic institutional investors (DIIs) could indicate a lack of broader market confidence in the company. The number of shareholders increased to 8,951 as of September 2025, suggesting growing interest among retail investors despite the company’s financial challenges. This increase may be indicative of a belief in potential recovery or turnaround strategies. Nevertheless, the decline in promoter shareholding from 61.81% in December 2022 to 56.00% may raise concerns regarding insider confidence and could influence investor sentiment.
Outlook, Risks, and Final Insight
Transwarranty Finance Ltd faces a challenging outlook, primarily due to its financial instability and operational inefficiencies. The company’s ability to reverse its negative profit margins and improve cash flow will be critical. Risks include high leverage, as indicated by its debt-to-equity ratio of 1.32, and the negative reserve position, which limits financial flexibility. Additionally, the prolonged cash conversion cycle raises concerns about liquidity. However, strengths such as substantial promoter ownership could provide a buffer during tough times, and the recent uptick in shareholder numbers may suggest a potential for recovery. For Transwarranty, successfully implementing strategic initiatives to enhance operational efficiency and profitability will be essential for regaining market confidence and ensuring long-term sustainability. Without significant improvements, the company may continue to face headwinds in the competitive finance sector.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Modern Shares & Stockbrokers Ltd | 11.8 Cr. | 40.3 | 64.0/36.4 | 47.2 | 44.4 | 0.00 % | 3.32 % | 1.74 % | 10.0 |
| Monarch Networth Capital Ltd | 2,482 Cr. | 313 | 484/280 | 16.0 | 111 | 0.32 % | 33.3 % | 26.2 % | 10.0 |
| Monotype India Ltd | 30.2 Cr. | 0.43 | 1.71/0.38 | 4.19 | 0.03 | 0.00 % | 286 % | % | 1.00 |
| Multipurpose Trading & Agencies Ltd | 5.04 Cr. | 10.2 | 11.6/8.25 | 9.25 | 0.00 % | 3.68 % | 3.38 % | 10.0 | |
| Munoth Financial Services Ltd | 21.8 Cr. | 42.4 | 69.9/38.6 | 19.9 | 0.00 % | 2.41 % | 3.38 % | 10.0 | |
| Industry Average | 7,293.96 Cr | 1,366.78 | 77.89 | 3,844.57 | 0.35% | 21.71% | 14.20% | 7.28 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 2.74 | 3.55 | 1.92 | 2.69 | 3.25 | 3.03 | 5.12 | 4.02 | 3.86 | 3.53 | 3.49 | 3.95 | 3.31 |
| Expenses | 2.81 | 2.92 | 6.75 | 2.76 | 3.38 | 2.95 | 2.30 | 3.43 | 3.70 | 3.90 | 3.24 | 3.71 | 3.65 |
| Operating Profit | -0.07 | 0.63 | -4.83 | -0.07 | -0.13 | 0.08 | 2.82 | 0.59 | 0.16 | -0.37 | 0.25 | 0.24 | -0.34 |
| OPM % | -2.55% | 17.75% | -251.56% | -2.60% | -4.00% | 2.64% | 55.08% | 14.68% | 4.15% | -10.48% | 7.16% | 6.08% | -10.27% |
| Other Income | 0.39 | -0.05 | 0.22 | 0.27 | 0.95 | 0.87 | 1.21 | 0.22 | 1.30 | -0.76 | 0.03 | 0.17 | 0.10 |
| Interest | 1.31 | 1.48 | 1.28 | 1.15 | 1.21 | 1.19 | 1.18 | 1.11 | 0.83 | 1.08 | 0.61 | 1.13 | 0.90 |
| Depreciation | 0.12 | 0.12 | 0.12 | 0.11 | 0.12 | 0.12 | 0.13 | 0.09 | 0.16 | 0.13 | 0.13 | 0.12 | 0.13 |
| Profit before tax | -1.11 | -1.02 | -6.01 | -1.06 | -0.51 | -0.36 | 2.72 | -0.39 | 0.47 | -2.34 | -0.46 | -0.84 | -1.27 |
| Tax % | 0.00% | 0.00% | -0.17% | 0.00% | 0.00% | 0.00% | -0.37% | 0.00% | 0.00% | 0.00% | 139.13% | 0.00% | -0.79% |
| Net Profit | -1.11 | -1.02 | -6.00 | -1.07 | -0.50 | -0.36 | 2.73 | -0.39 | 0.47 | -2.34 | -1.10 | -0.84 | -1.26 |
| EPS in Rs | -0.23 | -0.21 | -1.23 | -0.22 | -0.10 | -0.07 | 0.56 | -0.08 | 0.09 | -0.44 | -0.20 | -0.16 | -0.23 |
Last Updated: December 28, 2025, 6:31 pm
Below is a detailed analysis of the quarterly data for Transwarranty Finance Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Sales, as of Sep 2025, the value is 3.31 Cr.. The value appears to be declining and may need further review. It has decreased from 3.95 Cr. (Jun 2025) to 3.31 Cr., marking a decrease of 0.64 Cr..
- For Expenses, as of Sep 2025, the value is 3.65 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 3.71 Cr. (Jun 2025) to 3.65 Cr., marking a decrease of 0.06 Cr..
- For Operating Profit, as of Sep 2025, the value is -0.34 Cr.. The value appears to be declining and may need further review. It has decreased from 0.24 Cr. (Jun 2025) to -0.34 Cr., marking a decrease of 0.58 Cr..
- For OPM %, as of Sep 2025, the value is -10.27%. The value appears to be declining and may need further review. It has decreased from 6.08% (Jun 2025) to -10.27%, marking a decrease of 16.35%.
- For Other Income, as of Sep 2025, the value is 0.10 Cr.. The value appears to be declining and may need further review. It has decreased from 0.17 Cr. (Jun 2025) to 0.10 Cr., marking a decrease of 0.07 Cr..
- For Interest, as of Sep 2025, the value is 0.90 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 1.13 Cr. (Jun 2025) to 0.90 Cr., marking a decrease of 0.23 Cr..
- For Depreciation, as of Sep 2025, the value is 0.13 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 0.12 Cr. (Jun 2025) to 0.13 Cr., marking an increase of 0.01 Cr..
- For Profit before tax, as of Sep 2025, the value is -1.27 Cr.. The value appears to be declining and may need further review. It has decreased from -0.84 Cr. (Jun 2025) to -1.27 Cr., marking a decrease of 0.43 Cr..
- For Tax %, as of Sep 2025, the value is -0.79%. The value appears to be improving (decreasing) as expected. It has decreased from 0.00% (Jun 2025) to -0.79%, marking a decrease of 0.79%.
- For Net Profit, as of Sep 2025, the value is -1.26 Cr.. The value appears to be declining and may need further review. It has decreased from -0.84 Cr. (Jun 2025) to -1.26 Cr., marking a decrease of 0.42 Cr..
- For EPS in Rs, as of Sep 2025, the value is -0.23. The value appears to be declining and may need further review. It has decreased from -0.16 (Jun 2025) to -0.23, marking a decrease of 0.07.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 4:29 am
| Metric | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 14.25 | 13.23 | 15.82 | 19.30 | 17.23 | 17.89 | 7.56 | 15.32 | 15.72 | 11.71 | 14.62 | 15.41 | 14.28 |
| Expenses | 15.13 | 13.48 | 15.60 | 17.40 | 14.93 | 15.45 | 13.44 | 15.08 | 13.41 | 15.24 | 11.38 | 14.28 | 14.50 |
| Operating Profit | -0.88 | -0.25 | 0.22 | 1.90 | 2.30 | 2.44 | -5.88 | 0.24 | 2.31 | -3.53 | 3.24 | 1.13 | -0.22 |
| OPM % | -6.18% | -1.89% | 1.39% | 9.84% | 13.35% | 13.64% | -77.78% | 1.57% | 14.69% | -30.15% | 22.16% | 7.33% | -1.54% |
| Other Income | 0.61 | 0.98 | 0.45 | 0.53 | 0.37 | 0.80 | 0.56 | 0.86 | 0.84 | 0.32 | 2.76 | -1.77 | -0.46 |
| 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 | 3.72 |
| 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 | 0.51 |
| 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 | -4.91 |
| 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% | |
| Net Profit | -1.30 | -0.22 | -0.46 | 1.22 | 0.82 | 0.45 | -8.59 | -2.80 | -2.15 | -9.29 | 0.80 | -5.41 | -5.54 |
| 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 | -0.94 | -1.03 |
| 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% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 83.08% | -109.09% | 365.22% | -32.79% | -45.12% | -2008.89% | 67.40% | 23.21% | -332.09% | 108.61% | -776.25% |
| Change in YoY Net Profit Growth (%) | 0.00% | -192.17% | 474.31% | -398.00% | -12.34% | -1963.77% | 2076.29% | -44.19% | -355.31% | 440.70% | -884.86% |
Transwarranty Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 2% |
| 5 Years: | 15% |
| 3 Years: | -1% |
| TTM: | -4% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 9% |
| 3 Years: | -14% |
| TTM: | -359% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 11% |
| 5 Years: | 37% |
| 3 Years: | 16% |
| 1 Year: | -53% |
| Return on Equity | |
|---|---|
| 10 Years: | -7% |
| 5 Years: | -15% |
| 3 Years: | -14% |
| Last Year: | -10% |
Last Updated: September 5, 2025, 1:46 pm
Balance Sheet
Last Updated: December 4, 2025, 2:08 am
| Month | 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 | 30.97 | 30.65 | 30.48 | 31.47 | 6.88 | 1.81 | -4.82 | -7.99 | -10.25 | -19.25 | -18.70 | -22.90 | -24.76 |
| Borrowings | 4.96 | 3.79 | 3.12 | 8.35 | 16.10 | 19.36 | 23.02 | 43.25 | 42.94 | 40.42 | 38.52 | 41.17 | 33.59 |
| Other Liabilities | 14.74 | 15.73 | 15.83 | 20.56 | 20.02 | 22.15 | 19.21 | 34.74 | 45.60 | 36.57 | 30.27 | 27.76 | 22.67 |
| Total Liabilities | 75.13 | 74.63 | 73.89 | 84.84 | 67.46 | 67.78 | 61.87 | 94.46 | 102.75 | 106.20 | 98.98 | 100.02 | 85.49 |
| Fixed Assets | 8.00 | 7.29 | 7.04 | 6.77 | 16.61 | 16.29 | 16.85 | 16.31 | 15.80 | 15.26 | 15.18 | 14.87 | 15.37 |
| 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 | 29.09 | 23.24 | 24.15 | 20.01 | 0.89 | 0.68 | 0.70 | 0.13 | 0.14 | 0.15 | 0.06 | 0.10 | 0.12 |
| Other Assets | 38.04 | 44.10 | 42.70 | 58.06 | 49.96 | 50.81 | 44.32 | 78.02 | 86.81 | 90.79 | 83.74 | 85.05 | 70.00 |
| Total Assets | 75.13 | 74.63 | 73.89 | 84.84 | 67.46 | 67.78 | 61.87 | 94.46 | 102.75 | 106.20 | 98.98 | 100.02 | 85.49 |
Below is a detailed analysis of the balance sheet data for Transwarranty Finance Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 53.99 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 53.99 Cr..
- For Reserves, as of Sep 2025, the value is -24.76 Cr.. The value appears to be worsening (becoming more negative). It has deteriorated from -22.90 Cr. (Mar 2025) to -24.76 Cr., marking a decline of 1.86 Cr..
- For Borrowings, as of Sep 2025, the value is 33.59 Cr.. The value appears to be improving (decreasing). However, Reserves are negative, which is a major warning sign. It has decreased from 41.17 Cr. (Mar 2025) to 33.59 Cr., marking a decrease of 7.58 Cr..
- For Other Liabilities, as of Sep 2025, the value is 22.67 Cr.. The value appears to be improving (decreasing). It has decreased from 27.76 Cr. (Mar 2025) to 22.67 Cr., marking a decrease of 5.09 Cr..
- For Total Liabilities, as of Sep 2025, the value is 85.49 Cr.. The value appears to be improving (decreasing). It has decreased from 100.02 Cr. (Mar 2025) to 85.49 Cr., marking a decrease of 14.53 Cr..
- For Fixed Assets, as of Sep 2025, the value is 15.37 Cr.. The value appears strong and on an upward trend. It has increased from 14.87 Cr. (Mar 2025) to 15.37 Cr., marking an increase of 0.50 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Investments, as of Sep 2025, the value is 0.12 Cr.. The value appears strong and on an upward trend. It has increased from 0.10 Cr. (Mar 2025) to 0.12 Cr., marking an increase of 0.02 Cr..
- For Other Assets, as of Sep 2025, the value is 70.00 Cr.. The value appears to be declining and may need further review. It has decreased from 85.05 Cr. (Mar 2025) to 70.00 Cr., marking a decrease of 15.05 Cr..
- For Total Assets, as of Sep 2025, the value is 85.49 Cr.. The value appears to be declining and may need further review. It has decreased from 100.02 Cr. (Mar 2025) to 85.49 Cr., marking a decrease of 14.53 Cr..
However, the Borrowings (33.59 Cr.) are higher than the Reserves (-24.76 Cr.), which may signal higher financial risk.
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | -5.84 | -4.04 | -2.90 | -6.45 | -13.80 | -16.92 | -28.90 | -43.01 | -40.63 | -43.95 | -35.28 | -40.04 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | 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 | 230.18 | 129.80 |
| 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 | 230.18 | 129.80 |
| Working Capital Days | 44.06 | 227.06 | 190.34 | 349.49 | 239.17 | 150.57 | -5.31 | 99.35 | -174.37 | 99.12 | 511.55 | 416.40 |
| 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% |
This stock is not held by any mutual fund.
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | -1.04 | 0.20 | -3.27 | -0.95 | -1.28 |
| Diluted EPS (Rs.) | -1.04 | 0.20 | -3.27 | -0.95 | -1.28 |
| Cash EPS (Rs.) | -0.90 | 0.25 | -1.82 | -0.64 | -0.90 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 5.76 | 7.09 | 6.91 | 7.67 | 8.54 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 5.76 | 7.09 | 6.91 | 7.67 | 8.54 |
| Revenue From Operations / Share (Rs.) | 2.76 | 2.88 | 2.23 | 6.04 | 5.84 |
| PBDIT / Share (Rs.) | 0.27 | 1.23 | -0.66 | 1.29 | 0.43 |
| PBIT / Share (Rs.) | 0.17 | 1.13 | -0.76 | 1.05 | 0.19 |
| PBT / Share (Rs.) | -0.88 | 0.16 | -1.92 | -0.87 | -1.17 |
| Net Profit / Share (Rs.) | -1.00 | 0.16 | -1.92 | -0.87 | -1.15 |
| NP After MI And SOA / Share (Rs.) | -0.94 | 0.11 | -1.86 | -0.93 | -1.28 |
| PBDIT Margin (%) | 9.79 | 42.57 | -29.62 | 21.27 | 7.49 |
| PBIT Margin (%) | 6.43 | 39.24 | -34.11 | 17.38 | 3.36 |
| PBT Margin (%) | -32.01 | 5.65 | -85.85 | -14.52 | -20.01 |
| Net Profit Margin (%) | -36.29 | 5.68 | -85.79 | -14.52 | -19.64 |
| NP After MI And SOA Margin (%) | -34.07 | 4.12 | -83.10 | -15.40 | -21.85 |
| Return on Networth / Equity (%) | -16.33 | 1.92 | -30.80 | -16.03 | -18.97 |
| Return on Capital Employeed (%) | 2.66 | 15.50 | -9.62 | 10.61 | 1.94 |
| Return On Assets (%) | -5.07 | 0.58 | -8.47 | -2.21 | -3.30 |
| Long Term Debt / Equity (X) | 0.00 | 0.00 | 0.13 | 0.30 | 0.16 |
| Total Debt / Equity (X) | 1.32 | 1.27 | 1.38 | 3.01 | 2.60 |
| Asset Turnover Ratio (%) | 0.14 | 0.13 | 0.04 | 0.08 | 0.10 |
| Current Ratio (X) | 1.19 | 1.18 | 1.21 | 0.99 | 0.99 |
| Quick Ratio (X) | 1.19 | 1.18 | 1.21 | 0.99 | 0.99 |
| Interest Coverage Ratio (X) | 0.40 | 1.27 | -0.57 | 0.66 | 0.32 |
| Interest Coverage Ratio (Post Tax) (X) | 0.08 | 1.17 | -0.65 | 0.54 | 0.16 |
| Enterprise Value (Cr.) | 115.09 | 86.32 | 60.18 | 41.29 | 38.45 |
| EV / Net Operating Revenue (X) | 7.72 | 6.13 | 5.56 | 2.79 | 2.69 |
| EV / EBITDA (X) | 78.82 | 14.39 | -18.76 | 13.13 | 35.90 |
| MarketCap / Net Operating Revenue (X) | 5.25 | 3.68 | 4.16 | 1.31 | 0.38 |
| Price / BV (X) | 2.52 | 1.72 | 1.54 | 1.36 | 0.33 |
| Price / Net Operating Revenue (X) | 5.26 | 3.68 | 4.16 | 1.31 | 0.38 |
| EarningsYield | -0.06 | 0.01 | -0.19 | -0.11 | -0.56 |
After reviewing the key financial ratios for Transwarranty Finance Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 25, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 10.00.
- For Basic EPS (Rs.), as of Mar 25, the value is -1.04. This value is below the healthy minimum of 5. It has decreased from 0.20 (Mar 24) to -1.04, marking a decrease of 1.24.
- For Diluted EPS (Rs.), as of Mar 25, the value is -1.04. This value is below the healthy minimum of 5. It has decreased from 0.20 (Mar 24) to -1.04, marking a decrease of 1.24.
- For Cash EPS (Rs.), as of Mar 25, the value is -0.90. This value is below the healthy minimum of 3. It has decreased from 0.25 (Mar 24) to -0.90, marking a decrease of 1.15.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 5.76. It has decreased from 7.09 (Mar 24) to 5.76, marking a decrease of 1.33.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 5.76. It has decreased from 7.09 (Mar 24) to 5.76, marking a decrease of 1.33.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 2.76. It has decreased from 2.88 (Mar 24) to 2.76, marking a decrease of 0.12.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 0.27. This value is below the healthy minimum of 2. It has decreased from 1.23 (Mar 24) to 0.27, marking a decrease of 0.96.
- For PBIT / Share (Rs.), as of Mar 25, the value is 0.17. This value is within the healthy range. It has decreased from 1.13 (Mar 24) to 0.17, marking a decrease of 0.96.
- For PBT / Share (Rs.), as of Mar 25, the value is -0.88. This value is below the healthy minimum of 0. It has decreased from 0.16 (Mar 24) to -0.88, marking a decrease of 1.04.
- For Net Profit / Share (Rs.), as of Mar 25, the value is -1.00. This value is below the healthy minimum of 2. It has decreased from 0.16 (Mar 24) to -1.00, marking a decrease of 1.16.
- For NP After MI And SOA / Share (Rs.), as of Mar 25, the value is -0.94. This value is below the healthy minimum of 2. It has decreased from 0.11 (Mar 24) to -0.94, marking a decrease of 1.05.
- For PBDIT Margin (%), as of Mar 25, the value is 9.79. This value is below the healthy minimum of 10. It has decreased from 42.57 (Mar 24) to 9.79, marking a decrease of 32.78.
- For PBIT Margin (%), as of Mar 25, the value is 6.43. This value is below the healthy minimum of 10. It has decreased from 39.24 (Mar 24) to 6.43, marking a decrease of 32.81.
- For PBT Margin (%), as of Mar 25, the value is -32.01. This value is below the healthy minimum of 10. It has decreased from 5.65 (Mar 24) to -32.01, marking a decrease of 37.66.
- For Net Profit Margin (%), as of Mar 25, the value is -36.29. This value is below the healthy minimum of 5. It has decreased from 5.68 (Mar 24) to -36.29, marking a decrease of 41.97.
- For NP After MI And SOA Margin (%), as of Mar 25, the value is -34.07. This value is below the healthy minimum of 8. It has decreased from 4.12 (Mar 24) to -34.07, marking a decrease of 38.19.
- For Return on Networth / Equity (%), as of Mar 25, the value is -16.33. This value is below the healthy minimum of 15. It has decreased from 1.92 (Mar 24) to -16.33, marking a decrease of 18.25.
- For Return on Capital Employeed (%), as of Mar 25, the value is 2.66. This value is below the healthy minimum of 10. It has decreased from 15.50 (Mar 24) to 2.66, marking a decrease of 12.84.
- For Return On Assets (%), as of Mar 25, the value is -5.07. This value is below the healthy minimum of 5. It has decreased from 0.58 (Mar 24) to -5.07, marking a decrease of 5.65.
- For Long Term Debt / Equity (X), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 0.2. There is no change compared to the previous period (Mar 24) which recorded 0.00.
- For Total Debt / Equity (X), as of Mar 25, the value is 1.32. This value exceeds the healthy maximum of 1. It has increased from 1.27 (Mar 24) to 1.32, marking an increase of 0.05.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.14. It has increased from 0.13 (Mar 24) to 0.14, marking an increase of 0.01.
- For Current Ratio (X), as of Mar 25, the value is 1.19. This value is below the healthy minimum of 1.5. It has increased from 1.18 (Mar 24) to 1.19, marking an increase of 0.01.
- For Quick Ratio (X), as of Mar 25, the value is 1.19. This value is within the healthy range. It has increased from 1.18 (Mar 24) to 1.19, marking an increase of 0.01.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 0.40. This value is below the healthy minimum of 3. It has decreased from 1.27 (Mar 24) to 0.40, marking a decrease of 0.87.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 0.08. This value is below the healthy minimum of 3. It has decreased from 1.17 (Mar 24) to 0.08, marking a decrease of 1.09.
- For Enterprise Value (Cr.), as of Mar 25, the value is 115.09. It has increased from 86.32 (Mar 24) to 115.09, marking an increase of 28.77.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 7.72. This value exceeds the healthy maximum of 3. It has increased from 6.13 (Mar 24) to 7.72, marking an increase of 1.59.
- For EV / EBITDA (X), as of Mar 25, the value is 78.82. This value exceeds the healthy maximum of 15. It has increased from 14.39 (Mar 24) to 78.82, marking an increase of 64.43.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 5.25. This value exceeds the healthy maximum of 3. It has increased from 3.68 (Mar 24) to 5.25, marking an increase of 1.57.
- For Price / BV (X), as of Mar 25, the value is 2.52. This value is within the healthy range. It has increased from 1.72 (Mar 24) to 2.52, marking an increase of 0.80.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 5.26. This value exceeds the healthy maximum of 3. It has increased from 3.68 (Mar 24) to 5.26, marking an increase of 1.58.
- For EarningsYield, as of Mar 25, the value is -0.06. This value is below the healthy minimum of 5. It has decreased from 0.01 (Mar 24) to -0.06, marking a decrease of 0.07.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
| Strength | Weakness |
|---|---|
|
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Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Transwarranty Finance Ltd:
- Net Profit Margin: -36.29%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 2.66% (Industry Average ROCE: 21.71%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: -16.33% (Industry Average ROE: 14.2%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 0.08
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 1.19
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 0 (Industry average Stock P/E: 77.89)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 1.32
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: -36.29%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Non-Banking Financial Company (NBFC) | 403, Regent Chambers, Mumbai Maharashtra 400021 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Kumar Nair | Chairman & Managing Director |
| Mr. Ramachandran Unnikrishnan | Director & CFO |
| Mr. Sudharsanan Nair | Independent Director |
| Dr. Gopalakrishnan Balakrishna | Independent Director |
| Mr. Sachidanandan Menon | Independent Director |
| Ms. Rhujuta D Kene | Independent Director |
FAQ
What is the intrinsic value of Transwarranty Finance Ltd?
Transwarranty Finance Ltd's intrinsic value (as of 03 January 2026) is ₹6.70 which is 58.39% lower the current market price of ₹16.10, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹88.7 Cr. market cap, FY2025-2026 high/low of ₹23.4/11.6, reserves of ₹-24.76 Cr, and liabilities of ₹85.49 Cr.
What is the Market Cap of Transwarranty Finance Ltd?
The Market Cap of Transwarranty Finance Ltd is 88.7 Cr..
What is the current Stock Price of Transwarranty Finance Ltd as on 03 January 2026?
The current stock price of Transwarranty Finance Ltd as on 03 January 2026 is ₹16.1.
What is the High / Low of Transwarranty Finance Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Transwarranty Finance Ltd stocks is ₹23.4/11.6.
What is the Stock P/E of Transwarranty Finance Ltd?
The Stock P/E of Transwarranty Finance Ltd is .
What is the Book Value of Transwarranty Finance Ltd?
The Book Value of Transwarranty Finance Ltd is 5.42.
What is the Dividend Yield of Transwarranty Finance Ltd?
The Dividend Yield of Transwarranty Finance Ltd is 0.00 %.
What is the ROCE of Transwarranty Finance Ltd?
The ROCE of Transwarranty Finance Ltd is 1.28 %.
What is the ROE of Transwarranty Finance Ltd?
The ROE of Transwarranty Finance Ltd is 10.1 %.
What is the Face Value of Transwarranty Finance Ltd?
The Face Value of Transwarranty Finance Ltd is 10.0.