Share Price and Basic Stock Data
Last Updated: November 26, 2025, 6:21 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 within the Finance & Investments sector, with a current share price of ₹13.8 and a market capitalization of ₹73.1 Cr. The company has faced challenges in revenue generation, with sales figures fluctuating over recent quarters. For instance, sales stood at ₹2.62 Cr in June 2022, rose to ₹3.55 Cr by December 2022, but dropped to ₹1.92 Cr in March 2023. A recovery was noted with sales increasing to ₹3.25 Cr in September 2023. Annual sales reported for FY 2023 were ₹11.71 Cr, with a slight improvement to ₹14.62 Cr expected for FY 2024. The trailing twelve months (TTM) revenue is ₹14.28 Cr, indicating a gradual recovery trend. However, the company’s operational performance has been volatile, as evidenced by the operating profit margin (OPM) declining sharply to -251.56% in March 2023 before rebounding to 55.08% in March 2024, showcasing the unpredictability in its operational efficiency.
Profitability and Efficiency Metrics
Transwarranty Finance Ltd reported a net profit of -₹5.54 Cr, reflecting ongoing profitability challenges. The company has struggled with consistent profitability, with net losses reported in multiple quarters, including -₹6.00 Cr in March 2023 and -₹9.29 Cr for FY 2023. The return on equity (ROE) stood at a low 10.1%, while the return on capital employed (ROCE) was notably low at 1.28%. The operating profit margin has shown volatility, ranging from a high of 55.08% in March 2024 to lows indicating severe operational inefficiencies. The interest coverage ratio (ICR) is particularly concerning at 0.40x, suggesting that the company may struggle to meet its interest obligations. The cash conversion cycle (CCC) of 129.80 days indicates that the company takes a long time to convert its investments into cash flow, further complicating its operational efficiency and liquidity management.
Balance Sheet Strength and Financial Ratios
The balance sheet of Transwarranty Finance Ltd shows a concerning picture, with total borrowings reported at ₹41.17 Cr against negative reserves of -₹22.90 Cr. This negative reserve indicates that the company has accumulated losses exceeding its equity capital, which stood at ₹53.99 Cr as of March 2025. The total liabilities were recorded at ₹100.02 Cr, reflecting a significant debt burden. The company’s debt-to-equity ratio is high at 1.32x, suggesting a reliance on debt financing, which poses risks in times of financial stress. The price-to-book value ratio is 2.52x, above typical sector averages, indicating potential overvaluation compared to its book value. Furthermore, the current ratio of 1.19x suggests that while the company can cover short-term liabilities, the liquidity position remains tight, underscoring the need for improved operational cash flow.
Shareholding Pattern and Investor Confidence
Transwarranty Finance Ltd’s shareholding structure shows a significant concentration of ownership, with promoters holding 56.00% of the shares, while public shareholders account for 44.00%. The number of shareholders has increased from 5,740 in December 2022 to 8,951 as of March 2025, indicating growing interest among retail investors. However, the decline in promoter shareholding from 61.81% in December 2022 to the current levels may raise concerns regarding insider confidence in the company’s future. The absence of Foreign Institutional Investors (FIIs) and Domestic Institutional Investors (DIIs) suggests a lack of institutional backing, which could signal caution among larger investors. This lack of institutional investment could impact liquidity and overall market perception. The relatively high public shareholding could lead to increased volatility in share price movements as retail investors react to market sentiment.
Outlook, Risks, and Final Insight
Looking ahead, Transwarranty Finance Ltd faces both opportunities and risks. On the positive side, improving revenue trends and a rebound in operating profit margins suggest potential for recovery. However, ongoing profitability issues, as reflected in its net losses and low returns on equity and capital employed, remain significant concerns. The high debt levels and negative reserves indicate financial instability that could hinder growth prospects. Moreover, without institutional investment, the stock may experience increased volatility, which could deter long-term investors. The company must focus on improving operational efficiency and cash flow management to stabilize its financial position. In a scenario where operational improvements are realized, the company could attract institutional interest, enhancing its market position. Conversely, failure to address its profitability and liquidity issues could lead to further deterioration in investor confidence and market performance.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of Transwarranty Finance Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Monarch Networth Capital Ltd | 2,412 Cr. | 304 | 484/280 | 15.5 | 111 | 0.33 % | 33.3 % | 26.2 % | 10.0 |
| Monotype India Ltd | 35.2 Cr. | 0.50 | 2.42/0.46 | 4.87 | 0.03 | 0.00 % | 286 % | % | 1.00 |
| Multipurpose Trading & Agencies Ltd | 4.73 Cr. | 9.55 | 12.6/8.25 | 9.25 | 0.00 % | 3.68 % | 3.38 % | 10.0 | |
| Munoth Financial Services Ltd | 24.9 Cr. | 48.6 | 72.0/47.6 | 19.9 | 0.00 % | 2.41 % | 3.38 % | 10.0 | |
| Naperol Investments Ltd | 479 Cr. | 833 | 1,469/772 | 49.8 | 2,055 | 1.08 % | 1.06 % | 0.95 % | 10.0 |
| Industry Average | 7,161.64 Cr | 1,443.25 | 75.84 | 3,872.22 | 0.35% | 21.83% | 14.30% | 7.26 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 2.62 | 2.74 | 3.55 | 1.92 | 2.69 | 3.25 | 3.03 | 5.12 | 4.02 | 3.86 | 3.53 | 3.49 | 3.95 |
| Expenses | 2.75 | 2.81 | 2.92 | 6.75 | 2.76 | 3.38 | 2.95 | 2.30 | 3.43 | 3.70 | 3.90 | 3.24 | 3.71 |
| Operating Profit | -0.13 | -0.07 | 0.63 | -4.83 | -0.07 | -0.13 | 0.08 | 2.82 | 0.59 | 0.16 | -0.37 | 0.25 | 0.24 |
| OPM % | -4.96% | -2.55% | 17.75% | -251.56% | -2.60% | -4.00% | 2.64% | 55.08% | 14.68% | 4.15% | -10.48% | 7.16% | 6.08% |
| Other Income | 0.64 | 0.39 | -0.05 | 0.22 | 0.27 | 0.95 | 0.87 | 1.21 | 0.22 | 1.30 | -0.76 | 0.03 | 0.17 |
| Interest | 1.54 | 1.31 | 1.48 | 1.28 | 1.15 | 1.21 | 1.19 | 1.18 | 1.11 | 0.83 | 1.08 | 0.61 | 1.13 |
| Depreciation | 0.12 | 0.12 | 0.12 | 0.12 | 0.11 | 0.12 | 0.12 | 0.13 | 0.09 | 0.16 | 0.13 | 0.13 | 0.12 |
| Profit before tax | -1.15 | -1.11 | -1.02 | -6.01 | -1.06 | -0.51 | -0.36 | 2.72 | -0.39 | 0.47 | -2.34 | -0.46 | -0.84 |
| Tax % | 0.00% | 0.00% | 0.00% | -0.17% | 0.00% | 0.00% | 0.00% | -0.37% | 0.00% | 0.00% | 0.00% | 139.13% | 2.38% |
| Net Profit | -1.16 | -1.11 | -1.02 | -6.00 | -1.07 | -0.50 | -0.36 | 2.73 | -0.39 | 0.47 | -2.34 | -1.10 | -0.86 |
| EPS in Rs | -0.24 | -0.23 | -0.21 | -1.23 | -0.22 | -0.10 | -0.07 | 0.56 | -0.08 | 0.09 | -0.44 | -0.20 | -0.16 |
Last Updated: August 1, 2025, 10:05 am
Below is a detailed analysis of the quarterly data for Transwarranty Finance Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Sales, as of Jun 2025, the value is 3.95 Cr.. The value appears strong and on an upward trend. It has increased from 3.49 Cr. (Mar 2025) to 3.95 Cr., marking an increase of 0.46 Cr..
- For Expenses, as of Jun 2025, the value is 3.71 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 3.24 Cr. (Mar 2025) to 3.71 Cr., marking an increase of 0.47 Cr..
- For Operating Profit, as of Jun 2025, the value is 0.24 Cr.. The value appears to be declining and may need further review. It has decreased from 0.25 Cr. (Mar 2025) to 0.24 Cr., marking a decrease of 0.01 Cr..
- For OPM %, as of Jun 2025, the value is 6.08%. The value appears to be declining and may need further review. It has decreased from 7.16% (Mar 2025) to 6.08%, marking a decrease of 1.08%.
- For Other Income, as of Jun 2025, the value is 0.17 Cr.. The value appears strong and on an upward trend. It has increased from 0.03 Cr. (Mar 2025) to 0.17 Cr., marking an increase of 0.14 Cr..
- For Interest, as of Jun 2025, the value is 1.13 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 0.61 Cr. (Mar 2025) to 1.13 Cr., marking an increase of 0.52 Cr..
- For Depreciation, as of Jun 2025, the value is 0.12 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 0.13 Cr. (Mar 2025) to 0.12 Cr., marking a decrease of 0.01 Cr..
- For Profit before tax, as of Jun 2025, the value is -0.84 Cr.. The value appears to be declining and may need further review. It has decreased from -0.46 Cr. (Mar 2025) to -0.84 Cr., marking a decrease of 0.38 Cr..
- For Tax %, as of Jun 2025, the value is 2.38%. The value appears to be improving (decreasing) as expected. It has decreased from 139.13% (Mar 2025) to 2.38%, marking a decrease of 136.75%.
- For Net Profit, as of Jun 2025, the value is -0.86 Cr.. The value appears strong and on an upward trend. It has increased from -1.10 Cr. (Mar 2025) to -0.86 Cr., marking an increase of 0.24 Cr..
- For EPS in Rs, as of Jun 2025, the value is -0.16. The value appears strong and on an upward trend. It has increased from -0.20 (Mar 2025) to -0.16, marking an increase of 0.04.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: November 15, 2025, 4:15 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: September 10, 2025, 2:42 pm
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
Below is a detailed analysis of the balance sheet data for Transwarranty Finance Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, the value is 53.99 Cr.. The value appears strong and on an upward trend. It has increased from 48.89 Cr. (Mar 2024) to 53.99 Cr., marking an increase of 5.10 Cr..
- For Reserves, as of Mar 2025, the value is -22.90 Cr.. The value appears to be worsening (becoming more negative). It has deteriorated from -18.70 Cr. (Mar 2024) to -22.90 Cr., marking a decline of 4.20 Cr..
- For Borrowings, as of Mar 2025, the value is 41.17 Cr.. The value appears to be increasing, which may not be favorable. However, Reserves are negative, which is a major warning sign. It has increased from 38.52 Cr. (Mar 2024) to 41.17 Cr., marking an increase of 2.65 Cr..
- For Other Liabilities, as of Mar 2025, the value is 27.76 Cr.. The value appears to be improving (decreasing). It has decreased from 30.27 Cr. (Mar 2024) to 27.76 Cr., marking a decrease of 2.51 Cr..
- For Total Liabilities, as of Mar 2025, the value is 100.02 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 98.98 Cr. (Mar 2024) to 100.02 Cr., marking an increase of 1.04 Cr..
- For Fixed Assets, as of Mar 2025, the value is 14.87 Cr.. The value appears to be declining and may need further review. It has decreased from 15.18 Cr. (Mar 2024) to 14.87 Cr., marking a decrease of 0.31 Cr..
- For CWIP, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
- For Investments, as of Mar 2025, the value is 0.10 Cr.. The value appears strong and on an upward trend. It has increased from 0.06 Cr. (Mar 2024) to 0.10 Cr., marking an increase of 0.04 Cr..
- For Other Assets, as of Mar 2025, the value is 85.05 Cr.. The value appears strong and on an upward trend. It has increased from 83.74 Cr. (Mar 2024) to 85.05 Cr., marking an increase of 1.31 Cr..
- For Total Assets, as of Mar 2025, the value is 100.02 Cr.. The value appears strong and on an upward trend. It has increased from 98.98 Cr. (Mar 2024) to 100.02 Cr., marking an increase of 1.04 Cr..
However, the Borrowings (41.17 Cr.) are higher than the Reserves (-22.90 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: 21.83%)
- 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: 14.3%)
- 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: 75.84)
- 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 | companysecretary@transwarranty.com http://www.transwarranty.com |
| 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 26 November 2025) is 6.70 which is 51.45% lower the current market price of 13.80, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 74.0 Cr. market cap, FY2025-2026 high/low of 28.9/11.6, reserves of ₹-22.90 Cr, and liabilities of 100.02 Cr.
What is the Market Cap of Transwarranty Finance Ltd?
The Market Cap of Transwarranty Finance Ltd is 74.0 Cr..
What is the current Stock Price of Transwarranty Finance Ltd as on 26 November 2025?
The current stock price of Transwarranty Finance Ltd as on 26 November 2025 is 13.8.
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 28.9/11.6.
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.