BSE: 532812 | NSE: TFL | Finance - NBFC | Small Cap
Past 10 year’s financial track record analysis by Moneyworks4me indicates that Transwarranty Finance Ltd is a below average quality company.
The key valuation ratios of Transwarranty Finance Ltd's currently when compared to its past seem to suggest it is in the Overvalued zone.
The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Transwarranty Finance Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
| Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 7.6 | 10 | 11.7 | 9.5 | 10.6 | 1.4 | 6.8 | 6.7 | 3.8 | 5.9 | 6 | |
| YoY Gr. Rt. % | - | 30.9% | 16.8% | -18.4% | 11.5% | -86.6% | 379.6% | -1.3% | -42.9% | 53.9% | - | |
| Adj EPS (₹ ) | 0 | 0.1 | 0.3 | 0 | 0.1 | -1.6 | -1.3 | -0.9 | -1.8 | 0.1 | 0.3 | |
| YoY Gr. Rt. % | - | 25% | 460% | -89.3% | 66.7% | -3340% | NA | NA | NA | NA | - | |
| BVPS (₹ ) | 21.4 | 21.4 | 21.7 | 12.3 | 10.4 | 8.8 | 7.5 | 6.6 | 6.8 | 6.9 | 7.6 | |
| YoY Gr. Rt. % | - | 0.2% | 1.3% | -43.2% | -15.7% | -15.6% | -15.1% | -11.7% | 3% | 1.3% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 0.2 | 0.2 | 1.2 | 0.1 | 0.3 | -9.5 | -6.6 | -3.9 | -14.1 | 0.5 | 0 | |
CAGR Colour Code Guide ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | -2.8% | -11% | -4.6% | 53.9% | ||||||||
| Adj EPS | 6.4% | 7% | NA | NA | ||||||||
| BVPS | -11.8% | -7.9% | -2.7% | 1.3% | ||||||||
| Share Price | 13.6% | 44.2% | 56.5% | 131% | ||||||||
| RATIOS \ YEARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Quality Ratio | To view Asset Quality Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Net NPA to Net Advances (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Capitalization Ratio | To view Capitalization Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Capital Adequacy Ratio (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Margins | ||||||||||||
| Net Profit Margin (%) | 1.4 | 1.4 | 6.4 | 0.9 | 1.3 | -304.7 | -51.1 | -35.1 | -226.7 | 5.9 | 22.6 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 0.2 | 0.3 | 1.3 | 0.2 | 0.5 | -16.9 | -16.1 | -12.6 | -34.6 | 1.1 | 3.6 | |
Return on Equity has increased versus last 3 years average to 3.70%
Total Income has declined 68.48 CAGR in last 3 years
Net Profit has declined 0.00 CAGR in last 3 years
Total income growth is poor in last 4 quarters
| Standalone | Consolidated | |
|---|---|---|
| TTM EPS (₹) | 0.3 | 0.5 |
| TTM Sales (₹ Cr.) | 6.4 | 16 |
| BVPS (₹.) ⓘ | 7.6 | 7 |
| Reserves (₹ Cr.) ⓘ | -13 | -16 |
| P/BV ⓘ | 3.13 | 3.39 |
| PE ⓘ | 87.46 | 51.95 |
| From the Market | |
|---|---|
| 52 Week Low / High (₹) | 9.11 / 40.60 |
| All Time Low / High (₹) | 2.04 / 57.79 |
| Market Cap (₹ Cr.) | 127 |
| Equity (₹ Cr.) | 53.7 |
| Face Value (₹) | 10 |
| Industry PE ⓘ | 27.8 |
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income | 8 | 10 | 12 | 10 | 11 | 2 | 7 | 7 | 4 | 10 |
| Interest Income | 8 | 10 | 12 | 10 | 11 | 1 | 7 | 7 | 4 | 6 |
| Other Income ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 4 |
| Expenditure ⓘ | 8 | 10 | 11 | 9 | 11 | 6 | 10 | 10 | 13 | 9 |
| Interest Expense ⓘ | 0 | 0 | 0 | 0 | 2 | 2 | 3 | 4 | 5 | 4 |
| Operating Expenses ⓘ | 8 | 10 | 11 | 9 | 9 | 3 | 8 | 6 | 3 | 4 |
| Provisions | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 5 | 1 |
| Exceptional Items ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax ⓘ | 0 | 0 | 1 | 0 | 0 | -4 | -4 | -2 | -9 | 0 |
| Taxes ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Tax | 0 | 0 | 1 | 0 | 0 | -4 | -3 | -2 | -9 | 0 |
| Adjusted EPS (₹) | 0.0 | 0.1 | 0.3 | 0.0 | 0.1 | -1.6 | -1.3 | -0.9 | -1.8 | 0.1 |
| Dividend Payout Ratio (%) | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Equity Capital | 57 | 57 | 58 | 33 | 28 | 23 | 20 | 18 | 33 | 34 |
| Share Capital ⓘ | 24 | 24 | 24 | 24 | 24 | 24 | 24 | 24 | 48 | 49 |
| Reserves ⓘ | 32 | 33 | 33 | 8 | 3 | -1 | -5 | -7 | -16 | -15 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long Term Borrowings | 2 | 0 | 5 | 12 | 7 | 9 | 28 | 26 | 24 | 29 |
| Current Liabilities | 2 | 3 | 2 | 4 | 12 | 12 | 13 | 16 | 7 | 7 |
| Trade Payables | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 1 | 1 |
| Short term borrowings | 1 | 1 | 0 | 0 | 9 | 8 | 8 | 9 | 5 | 5 |
| Other Liabilities | -1 | -1 | 0 | -1 | -9 | -9 | -8 | -9 | -6 | -6 |
| Total Liabilities ⓘ | 61 | 60 | 66 | 49 | 46 | 45 | 61 | 60 | 63 | 70 |
Assets | ||||||||||
| Non Current Asset | 56 | 54 | 54 | 42 | 36 | 36 | 35 | 36 | 35 | 39 |
| Loan Asset | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non Current Asset ⓘ | 56 | 54 | 54 | 42 | 36 | 36 | 35 | 36 | 35 | 39 |
| Current Asset | 5 | 6 | 12 | 7 | 10 | 9 | 25 | 24 | 29 | 32 |
| Current Investment | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Asset | 5 | 5 | 12 | 7 | 10 | 9 | 25 | 24 | 29 | 32 |
| Total Assets ⓘ | 61 | 60 | 66 | 49 | 46 | 45 | 61 | 60 | 63 | 70 |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
Operational & Financial Ratios |
||||||||||
| EPS (₹) | 0 | 0 | 0 | 0 | 0 | -2 | -1 | -1 | -2 | 0 |
| DPS (₹) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| BVPS (₹) | 23 | 23 | 24 | 13 | 11 | 10 | 8 | 7 | 7 | 7 |
Performance Ratios | ||||||||||
| ROA (%) | 0.2 | 0.2 | 1.2 | 0.1 | 0.3 | -9.5 | -6.6 | -3.9 | -14.1 | 0.5 |
| ROE (%) | 0.2 | 0.3 | 1.3 | 0.2 | 0.5 | -16.9 | -16.1 | -12.6 | -34.6 | 1.1 |
| ROCE (%) | 0.5 | 0.4 | 1.6 | 0.7 | 4.6 | -4.9 | -1.8 | 2.6 | -6.9 | 6.7 |
Valuation Parameters | ||||||||||
| Price/Book(x) | 0.3 | 0.3 | 0.4 | 0.6 | 0.4 | 0.3 | 0.3 | 1.1 | 1.4 | 1.5 |
Transwarranty Finance (TFL) is a Mumbai-headquartered full service Investment bank providing a wide range of financial services to over 400 large and mid cap companies and thousands of retail clients all over India since 1994.
Since the activities are diverse and governed by various regulatory authorities, the businesses are structured under Transwarranty Finance Limited as the flagship company and its subsidiary companies.
Transwarranty Finance is a Reserve Bank of India (RBI) registered Non Banking Finance Company (NBFC) with active business in Investment banking, corporate finance, project finance, real estate & infrastructure and trade finance.
The board of directors of TFL comprises eminent professionals like solicitor S N Talwar (Chairman), banker and author Raghu Palat, former Chairman of Catholic Syrian Bank N R Achan, former director of Goldman Sachs Pravin Khatau and Kumar Nair (Managing Director), who was part of the core management team in Kotak Mahindra Finance till 1994.
All the retail branches distribute and service the entire suite of retail finance products, which include equity broking, commodity broking, mutual funds, IPOs, other investment products like RBI Bonds, etc. Other products like insurance, personal loans, forex – money changing, money transfer, etc shall be launched in due course.
Its services include
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Funds ranking in screeners: Performance Consistency and Quality are two parameters used for ranking funds for SIP. The ranking as follows GG, GO, GR, OG, OO, OR, RG, RO and RR.
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The third tag Upside Potential is not relevant for SIP. It is relevant for lumpsum investments in Mutual Funds.
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