Transwarranty Finance Ltd: Intrinsic Value & Share Price Analysis

Q: What is the current share price and 52-week range of Transwarranty Finance Ltd?

Transwarranty Finance Ltd is trading at 12.10 as of 22 April 2026, with a FY2026-2027 high of 21.9 and low of 10.7. The stock is currently near its 52-week low. Market cap stands at 66.8 Cr..

Q: Is Transwarranty Finance Ltd financially healthy?

Key indicators: ROCE of 1.28 % is on the lower side. Dividend yield is 0.00 %.

Q: Is Transwarranty Finance Ltd profitable and how is the profit trend?

Transwarranty Finance Ltd reported a net profit of -5 Cr in Mar 2025 on revenue of 15 Cr. Compared to -2 Cr in Mar 2022, the net profit shows a mixed trend.

Fair Value

₹6.55Overvalued by 45.87%vs CMP ₹12.10

P/E (15.0) × ROE (10.1%) × BV (₹5.30) × DY (2.00%)

Defaults: P/E=15

₹4.12Overvalued by 65.95%vs CMP ₹12.10

MoS: -193.7% (Negative)Confidence: 55/100 (Moderate)Models: All 4: Overvalued

Model	Category	Value	Weight	Signal
PE-ROE	Earnings	₹6.23	40%	Over (-48.5%)
Net Asset Value	Assets	₹5.29	24%	Over (-56.3%)
EV/EBITDA	Enterprise	₹1.09	20%	Over (-91%)
ROCE Capital	Returns	₹0.86	16%	Over (-92.9%)
Consensus (4 models)		₹4.12	100%	Overvalued

Key Drivers: Wide model spread (₹1–₹6) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: -5.0% · Defaults: P/E=15

*Investments are subject to market risks

Analyst Summary

Transwarranty Finance Ltd operates in the Finance & Investments segment, current market price is ₹12.10, market cap is 66.8 Cr.. At a glance, ROE is 10.1 %, ROCE is 1.28 %, book value is 5.30, dividend yield is 0.00 %. The latest intrinsic value estimate is ₹4.12, around 66.0% below the current price, so expectations may already be running ahead of this modelled fair value. On operating trend, latest reported sales are about ₹15 Cr versus the prior period change of 5.4%, while latest net profit is about ₹-5 Cr with a prior-period change of -776.3%. The 52-week range shown on this page is 21.9/10.7, which helps frame where the current quote sits within its recent trading band. Business context: About the Company - Qualitative AnalysisTranswarranty Finance Ltd. is a Public Limited Listed company incorporated on 09/08/1994 and has its registered office in the State of Maharashtra, India. Company's Corporate Identification Number(CIN…

This summary is generated from the stock page data available for Transwarranty Finance Ltd: Intrinsic Value & Share Price Analysis and is refreshed automatically when the underlying metrics change.

Investment Snapshot

Transwarranty Finance Ltd scores 34/100 (Weak)

Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison

Stock Health21/100 · Weak

ROCE 1.3% WeakROE 10.1% AverageD/E 2.60 High debtInterest Coverage 0.0x RiskyProfitable 1/5 years Inconsistent

Smart Money35/100 · Weak

Promoter decreased by 1.15% Caution

Earnings Quality40/100 · Moderate

Working capital: 416 days Capital intensive

Quarterly Momentum40/100 · Moderate

Profit (4Q): -974% YoY Declining

Industry Rank40/100 · Moderate

ROCE 1.3% vs industry 21.7% Below peers

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

Share Price and Basic Stock Data

Last Updated: April 2, 2026, 3:50 am

Market Cap	66.8 Cr.
Current Price	12.1
Intrinsic Value	₹4.12
High / Low	21.9/10.7
Stock P/E
Book Value	5.30
Dividend Yield	0.00 %
ROCE	1.28 %
ROE	10.1 %
Face Value	10.0
PEG Ratio	0.00

Stock P/E, Current Price, and Intrinsic Value Over Time

Stock P/E Current Price Intrinsic Value

View Share Price Target for Transwarranty Finance Ltd

Competitors

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
Modern Shares & Stockbrokers Ltd	8.02 Cr.	27.4	53.0/24.7	38.2	44.4	0.00 %	3.32 %	1.74 %	10.0
Monarch Networth Capital Ltd	2,109 Cr.	266	399/235	13.2	111	0.38 %	33.3 %	26.2 %	10.0
Monotype India Ltd	28.1 Cr.	0.40	0.84/0.37	4.49	0.03	0.00 %	286 %	%	1.00
Multipurpose Trading & Agencies Ltd	3.98 Cr.	8.05	11.5/7.58		9.25	0.00 %	3.68 %	3.38 %	10.0
Munoth Financial Services Ltd	9.17 Cr.	17.8	69.9/17.8		19.9	0.00 %	2.41 %	3.38 %	10.0
Industry Average	6,725.79 Cr	1,029.64		98.51	4,364.49	0.43%	21.71%	14.20%	7.23

All Competitor Stocks of Transwarranty Finance Ltd

Quarterly Result

Metric	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Revenue	3.55	1.92	2.69	3.25	3.03	5.12	4.02	3.86	3.53	3.49	3.95	3.31	3.13
Interest	1.48	1.28	1.15	1.21	1.19	1.18	1.11	0.83	1.08	0.61	1.13	0.90	0.67
Expenses	2.92	6.75	2.76	3.38	2.95	2.30	3.43	3.70	3.90	3.24	3.71	3.65	3.74
Financing Profit	-0.85	-6.11	-1.22	-1.34	-1.11	1.64	-0.52	-0.67	-1.45	-0.36	-0.89	-1.24	-1.28
Financing Margin %	-23.94%	-318.23%	-45.35%	-41.23%	-36.63%	32.03%	-12.94%	-17.36%	-41.08%	-10.32%	-22.53%	-37.46%	-40.89%
Other Income	-0.05	0.22	0.27	0.95	0.87	1.21	0.22	1.30	-0.76	0.03	0.17	0.10	0.51
Depreciation	0.12	0.12	0.11	0.12	0.12	0.13	0.09	0.16	0.13	0.13	0.12	0.13	0.13
Profit before tax	-1.02	-6.01	-1.06	-0.51	-0.36	2.72	-0.39	0.47	-2.34	-0.46	-0.84	-1.27	-0.90
Tax %	0.00%	-0.17%	0.00%	0.00%	0.00%	-0.37%	0.00%	0.00%	0.00%	139.13%	0.00%	-0.79%	1.11%
Net Profit	-1.02	-6.00	-1.07	-0.50	-0.36	2.73	-0.39	0.47	-2.34	-1.10	-0.84	-1.26	-0.91
EPS in Rs	-0.21	-1.23	-0.22	-0.10	-0.07	0.56	-0.08	0.09	-0.44	-0.20	-0.16	-0.23	-0.17
Gross NPA %
Net NPA %

Last Updated: March 3, 2026, 2:08 pm

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 26, 2026, 5:46 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
Revenue	14.25	13.23	15.82	19.30	17.23	17.89	7.56	15.32	15.72	11.71	14.62	15.41	13.88
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	3.31
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	14.34
Financing Profit	-1.40	-0.62	-0.50	1.17	1.36	0.14	-8.62	-3.13	-2.41	-9.13	-1.49	-2.50	-3.77
Financing Margin %	-9.82%	-4.69%	-3.16%	6.06%	7.89%	0.78%	-114.02%	-20.43%	-15.33%	-77.97%	-10.19%	-16.22%	-27.16%
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	0.81
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	-3.47
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	-4.11
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	-0.76
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%

Profit & Loss Yearly Chart

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

Reserves and Borrowings Chart

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
Cash from Operating Activity +	-0.23	1.65	-0.26	0.61	0.43	-0.92	0.82	-9.60	15.86	-12.20	-14.75	-4.57
Cash from Investing Activity +	-0.26	-0.35	-0.79	1.13	-0.48	-0.29	0.24	-5.17	-7.71	1.74	6.93	-0.23
Cash from Financing Activity +	-1.49	-0.84	0.15	-0.87	1.63	1.96	0.39	17.13	-4.86	16.47	-6.24	4.87
Net Cash Flow	-1.98	0.46	-0.89	0.87	1.58	0.74	1.44	2.36	3.29	6.01	-14.06	0.08
Free Cash Flow	0.01	1.63	-0.42	0.54	0.06	-1.32	0.23	-9.68	15.76	-12.32	-14.97	-4.74
CFO/OP	116%	-504%	36%	13%	18%	-21%	-14%	-3,942%	700%	345%	-449%	-404%

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	10.17	9.69	12.48	9.05	-1.17	-3.91	-9.58	-28.17	-29.53	-25.18	-27.14	-26.89

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.

Free Cash Flow Chart

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%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Promoters	61.81%	61.81%	61.81%	61.79%	61.84%	61.84%	56.31%	56.31%	56.00%	56.00%	56.00%	54.85%
Public	38.21%	38.19%	38.21%	38.21%	38.15%	38.15%	43.68%	43.69%	44.00%	44.00%	44.00%	45.15%
No. of Shareholders	5,865	5,864	6,325	7,345	7,515	8,496	8,391	8,975	9,135	9,044	8,951	9,279

Shareholding Pattern Chart

No. of Shareholders

Transwarranty Finance Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

This stock is not held by any mutual fund.

ROCE Trend

EPS Trend

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

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

Transwarranty Finance Ltd. is a Public Limited Listed company incorporated on 09/08/1994 and has its registered office in the State of Maharashtra, India. Company's Corporate Identification Number(CIN) is L65920MH1994PLC080220 and registration number is 080220. Currently Company is involved in the business activities of Other credit granting. Company's Total Operating Revenue is Rs. 7.02 Cr. and Equity Capital is Rs. 53.99 Cr. for the Year ended 31/03/2025.

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 and is it undervalued?

As of 22 April 2026, Transwarranty Finance Ltd's intrinsic value is ₹4.12, which is 65.95% lower than the current market price of ₹12.10, suggesting the stock is overvalued. This is calculated using the PE ratio method factoring in ROE (10.1 %), book value (₹5.30), dividend yield (0.00 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Transwarranty Finance Ltd?

Transwarranty Finance Ltd is trading at ₹12.10 as of 22 April 2026, with a FY2026-2027 high of ₹21.9 and low of ₹10.7. The stock is currently near its 52-week low. Market cap stands at ₹66.8 Cr..

How does Transwarranty Finance Ltd's P/E ratio compare to its industry?

Transwarranty Finance Ltd has a P/E ratio of , which is below the industry average of 98.51. This is broadly in line with or below the industry average.

Is Transwarranty Finance Ltd financially healthy?

Key indicators for Transwarranty Finance Ltd: ROCE of 1.28 % is on the lower side compared to the industry average of 21.71%. Dividend yield is 0.00 %.

Is Transwarranty Finance Ltd profitable and how is the profit trend?

Transwarranty Finance Ltd reported a net profit of ₹-5 Cr in Mar 2025 on revenue of ₹15 Cr. Compared to ₹-2 Cr in Mar 2022, the net profit shows a mixed trend.

Does Transwarranty Finance Ltd pay dividends?

Transwarranty Finance Ltd has a dividend yield of 0.00 % at the current price of ₹12.10. The company is currently not paying meaningful dividends.