Share Price and Basic Stock Data
Last Updated: October 27, 2025, 8:11 pm
| PEG Ratio | 0.00 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
Transwarranty Finance Ltd operates within the finance and investments sector, focusing on providing a range of financial services. For the fiscal year ending March 2025, the company reported sales of ₹14.90 Cr, marking a slight increase from ₹14.54 Cr in March 2024. However, the revenue figures have shown fluctuations in recent quarters, with the highest quarterly sales recorded at ₹5.12 Cr in March 2024. Despite these peaks, the company has faced challenges; sales dipped to ₹1.92 Cr in March 2023, indicating volatility. Expenses have also varied significantly, with reported expenses rising to ₹15.24 Cr in March 2023 and declining to ₹14.28 Cr in March 2025. This fluctuation in both revenue and expenses contributes to an inconsistent operating profit margin (OPM), which stood at 4.16% for the fiscal year 2025, compared to a healthier 21.73% in the previous year. Such trends reflect the company’s struggle with maintaining stable revenue streams amidst competitive pressures in the finance sector.
Profitability and Efficiency Metrics
Transwarranty Finance Ltd’s profitability metrics reveal significant challenges, particularly evident in its net profit figures. The company recorded a net loss of ₹5.41 Cr for the fiscal year 2025, despite a modest recovery in the profit before tax, which stood at a gain of ₹0.80 Cr in March 2024. The operating profit margin (OPM) for March 2025 was reported at 4.16%, a stark contrast to the previous year’s margin of 21.73%, indicating a decline in operational efficiency. The interest coverage ratio (ICR) is particularly concerning, reported at 0.40x, suggesting that the company is struggling to cover its interest obligations. In terms of efficiency, the cash conversion cycle (CCC) stood at 129.80 days for March 2025, which is significantly high and may indicate inefficiencies in managing working capital. Overall, the company’s profitability and efficiency metrics demonstrate a need for strategic improvements to enhance operational performance.
Balance Sheet Strength and Financial Ratios
The balance sheet of Transwarranty Finance Ltd presents a mixed picture of financial health. As of March 2025, the total borrowings amounted to ₹41.17 Cr, while reserves were reported at a negative ₹22.90 Cr, indicating potential financial strain. The debt-to-equity ratio stood at 1.32x, reflecting a relatively high level of leverage which could pose risks in times of economic downturn. The current ratio, a measure of liquidity, was reported at 1.19x, suggesting that the company has adequate short-term assets to cover its short-term liabilities. Furthermore, the return on equity (ROE) was noted at -17.39%, highlighting the challenges in generating returns for shareholders. The book value per share decreased to ₹5.76 in March 2025, down from ₹7.09 in March 2024, which may evoke concerns among investors regarding the company’s intrinsic value. Overall, while the liquidity position appears stable, the company’s financial ratios indicate significant leverage and declining shareholder value.
Shareholding Pattern and Investor Confidence
Transwarranty Finance Ltd’s shareholding pattern shows a notable concentration of ownership, with promoters holding 56.00% of the shares as of March 2025. This represents a slight decrease from 61.84% in March 2024, suggesting a gradual shift in ownership dynamics. The public shareholding stands at 44.00%, reflecting a stable investor base with a total of 9,044 shareholders. The increase in shareholder count from 5,652 in September 2022 to 9,044 in March 2025 indicates growing interest in the stock, despite the company’s recent financial challenges. However, the absence of Foreign Institutional Investors (FIIs) and Domestic Institutional Investors (DIIs) could signal a lack of confidence in the stock from larger institutional players. The gradual decline in promoter shareholding may also reflect potential concerns over the company’s performance, impacting investor sentiment. Consequently, while the growing number of shareholders is a positive sign, the overall shareholding dynamics could influence future investor confidence.
Outlook, Risks, and Final Insight
If margins sustain their recovery trajectory, Transwarranty Finance Ltd could potentially improve its profitability metrics in the coming quarters. However, the company must address its high interest coverage ratio and negative reserves to enhance financial stability. Risks include continued volatility in revenue streams and high leverage, which could amplify financial distress in adverse economic conditions. Furthermore, the lack of institutional backing may hinder stock performance and investor confidence. On a positive note, if the management implements effective cost-control measures and optimizes working capital, there is potential for operational efficiencies that could bolster profitability. Additionally, a focus on enhancing revenue generation strategies could position the company favorably within the finance sector. Balancing these risks and opportunities will be crucial for Transwarranty Finance Ltd to navigate its challenging landscape successfully.
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 ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Modern Shares & Stockbrokers Ltd | 11.8 Cr. | 40.4 | 67.7/36.4 | 42.3 | 43.5 | 0.00 % | 3.32 % | 1.74 % | 10.0 |
| Monarch Networth Capital Ltd | 2,464 Cr. | 311 | 495/280 | 16.0 | 102 | 0.32 % | 33.3 % | 26.2 % | 10.0 |
| Monotype India Ltd | 39.4 Cr. | 0.56 | 2.42/0.46 | 3.83 | 0.02 | 0.00 % | 286 % | % | 1.00 |
| Multipurpose Trading & Agencies Ltd | 4.20 Cr. | 8.47 | 12.7/8.25 | 10.3 | 0.00 % | 3.68 % | 3.38 % | 10.0 | |
| Munoth Financial Services Ltd | 27.5 Cr. | 53.5 | 72.0/47.6 | 20.6 | 0.00 % | 2.41 % | 3.38 % | 10.0 | |
| Industry Average | 6,854.99 Cr | 1,426.22 | 133.20 | 3,769.31 | 0.31% | 21.70% | 14.20% | 7.28 |
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: October 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 | 14.83 |
| 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 | 14.55 |
| 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 | 0.28 |
| 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% | 1.89% |
| 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 | 0.74 |
| 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 | 3.65 |
| 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 | 0.54 |
| 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 | -3.17 |
| 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 | -3.83 |
| 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 | -0.71 |
| 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 - No data available for this post.
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: 21.7%)
- 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: 133.2)
- 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 27 October 2025) is 7.12 which is 50.21% lower the current market price of 14.30, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 76.0 Cr. market cap, FY2025-2026 high/low of 30.9/11.6, 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 76.0 Cr..
What is the current Stock Price of Transwarranty Finance Ltd as on 27 October 2025?
The current stock price of Transwarranty Finance Ltd as on 27 October 2025 is 14.3.
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 30.9/11.6.
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 5.76.
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.