Share Price and Basic Stock Data
Last Updated: February 14, 2026, 9:35 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, with a current market capitalization of ₹75.6 Cr and a share price of ₹13.6. The company reported fluctuating revenue streams, with total revenue standing at ₹11.71 Cr for the fiscal year ending March 2023, which marked a decline from ₹15.72 Cr in the previous fiscal year. The revenue trajectory showed some recovery with ₹14.62 Cr projected for March 2024 and ₹15.41 Cr for March 2025. Quarterly performance indicates variability, with revenues peaking at ₹5.12 Cr in March 2024, followed by a decline to ₹3.49 Cr by March 2025. The company’s revenue from operations per share decreased to ₹2.76 in March 2025 from ₹2.88 in the previous year, suggesting challenges in maintaining consistent growth. Notably, the company has not reported any foreign institutional investments, indicating a reliance on domestic stakeholders. Overall, while there are signs of recovery, the revenue volatility raises questions about sustainable growth.
Profitability and Efficiency Metrics
Transwarranty Finance Ltd reported a net profit of -₹5.54 Cr for the fiscal year ending March 2025, reflecting continued operational challenges. The company’s losses peaked at -₹9.29 Cr in March 2023, followed by a slight recovery with a profit before tax of ₹0.80 Cr in March 2024. However, profitability margins remain under pressure, with a net profit margin of -36.29% for March 2025, which is significantly below the typical sector range. Efficiency metrics such as the Return on Equity (ROE) stood at 10.1%, while Return on Capital Employed (ROCE) was markedly low at 1.28%. The cash conversion cycle was reported at 129.80 days, indicating inefficiencies in converting investments into cash flows. Furthermore, the Interest Coverage Ratio (ICR) was a concerning 0.40x, highlighting difficulties in meeting interest obligations. Overall, the company faces substantial hurdles in achieving profitability and operational efficiency.
Balance Sheet Strength and Financial Ratios
The balance sheet of Transwarranty Finance Ltd indicates a concerning financial position, with total liabilities reported at ₹100.02 Cr as of March 2025, against total assets of ₹100.02 Cr, resulting in a precarious equity position. Reserves have deteriorated significantly, standing at -₹24.76 Cr, which poses a risk to financial stability. The company’s debt-to-equity ratio was recorded at 1.32x, suggesting a high level of leverage compared to industry norms. Furthermore, the price-to-book value (P/BV) ratio of 2.52x indicates that the stock is trading at a premium relative to its book value, which may not be justified given the negative earnings. The operating profit margin (OPM) was not available for reporting, but the trailing twelve-month (TTM) operating profit margin was recorded at -0.22%, indicating ongoing operational inefficiencies. The financial ratios indicate a need for corrective measures to improve balance sheet strength and overall financial health.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Transwarranty Finance Ltd reveals a significant promoter holding of 56.00% as of March 2025, which reflects a strong commitment from the company’s founders. However, the share of public investors has increased to 44.00%, indicating growing interest from retail investors. The number of shareholders rose to 8,951 by September 2025, up from 5,740 in December 2022, suggesting an increasing investor base. Despite this, the absence of foreign institutional investors may reflect skepticism about the company’s financial stability and growth prospects. The declining promoter share from 61.81% in December 2022 to 56.00% in March 2025 may raise concerns regarding confidence levels among long-term stakeholders. Overall, while the increase in public participation is positive, the lack of institutional backing and declining promoter stake could hinder broader investor confidence.
Outlook, Risks, and Final Insight
Transwarranty Finance Ltd’s outlook hinges on its ability to stabilize revenues and improve profitability amidst operational challenges. The company faces risks including high leverage, evidenced by a debt-to-equity ratio of 1.32x, and persistent net losses, which could further strain financial resources. Additionally, low ROCE and ICR present significant challenges in managing operational efficiency and financial obligations. On the positive side, the recent uptick in public shareholder interest and a commitment from promoters could provide a platform for recovery, provided the company implements strategic operational improvements. The company must focus on enhancing cash flow management and reducing operational inefficiencies to regain stability. If successful, Transwarranty could capitalize on potential market opportunities in the finance and investments sector. However, failure to address these issues may lead to further declines, impacting investor sentiment and share performance.
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 | 10.3 Cr. | 35.1 | 53.0/34.6 | 49.0 | 44.4 | 0.00 % | 3.32 % | 1.74 % | 10.0 |
| Monarch Networth Capital Ltd | 2,359 Cr. | 298 | 399/265 | 14.7 | 111 | 0.34 % | 33.3 % | 26.2 % | 10.0 |
| Monotype India Ltd | 33.0 Cr. | 0.47 | 0.90/0.38 | 5.28 | 0.03 | 0.00 % | 286 % | % | 1.00 |
| Multipurpose Trading & Agencies Ltd | 3.76 Cr. | 7.59 | 11.5/7.58 | 9.25 | 0.00 % | 3.68 % | 3.38 % | 10.0 | |
| Munoth Financial Services Ltd | 14.6 Cr. | 28.4 | 69.9/24.5 | 19.9 | 0.00 % | 2.41 % | 3.38 % | 10.0 | |
| Industry Average | 7,126.52 Cr | 1,243.67 | 108.51 | 4,366.30 | 0.38% | 21.71% | 14.20% | 7.23 |
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 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 |
| 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 |
| 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 |
| Financing Profit | -1.38 | -0.85 | -6.11 | -1.22 | -1.34 | -1.11 | 1.64 | -0.52 | -0.67 | -1.45 | -0.36 | -0.89 | -1.24 |
| Financing Margin % | -50.36% | -23.94% | -318.23% | -45.35% | -41.23% | -36.63% | 32.03% | -12.94% | -17.36% | -41.08% | -10.32% | -22.53% | -37.46% |
| 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 |
| 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 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: February 3, 2026, 7:46 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 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 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 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 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: February 1, 2026, 2:05 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 |
| Borrowing | 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 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..
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: 108.51)
- 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 14 February 2026) is ₹5.99 which is 53.92% lower the current market price of ₹13.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹71.8 Cr. market cap, FY2025-2026 high/low of ₹21.9/11.6, 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 71.8 Cr..
What is the current Stock Price of Transwarranty Finance Ltd as on 14 February 2026?
The current stock price of Transwarranty Finance Ltd as on 14 February 2026 is ₹13.0.
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 ₹21.9/11.6.
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 5.30.
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.