Transwarranty Finance Ltd - Stock Valuation and Financial Performance

BSE: 532812 | NSE: TFL | Finance - NBFC | Small Cap

Transwarranty Fin. Share Price

17.28 -0.88 -4.85%
as on 11-Feb'25 16:59

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Transwarranty Finance stock performance -
17.28 6.0056.00% past year

Price Chart, Live Stock Chart, Technical Chart of
P/E Ratio (SA):
0.00
Market Cap:
92.8 Cr.
52-wk low:
9.1
52-wk high:
40.6

Is Transwarranty Finance Ltd an attractive stock to invest in?

1. Is Transwarranty Finance Ltd a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that Transwarranty Finance Ltd is a below average quality company.

2. Is Transwarranty Finance Ltd undervalued or overvalued?

The key valuation ratios of Transwarranty Finance Ltd's currently when compared to its past seem to suggest it is in the Overvalued zone.

3. Is Transwarranty Finance Ltd a good buy now?

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.

10 Year X-Ray of Transwarranty Fin.:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Transwarranty Finance Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Operating Income (₹ Cr.)
7.61011.79.510.61.46.86.73.85.97
YoY Gr. Rt. %
-30.9%16.8%-18.4%11.5%-86.6%379.6%-1.3%-42.9%53.9%-
Adj EPS (₹ )
00.10.300.1-1.6-1.3-0.9-1.80.1-0
YoY Gr. Rt. %
-25%460%-89.3%66.7%-3340%NANANANA-
BVPS (₹ )
21.421.421.712.310.48.87.56.66.86.97.2
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 (%)
0.20.21.20.10.3-9.5-6.6-3.9-14.10.50

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income-2.8%-11%-4.6%53.9%
Adj EPS6.4%7%NANA
BVPS-11.8%-7.9%-2.7%1.3%
Share Price 10.7% 33.5% 20.5% 57.1%

Key Financial Ratios

RATIOS \ YEARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)
0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%)
0000000000-
Margins
Net Profit Margin (%)
1.41.46.40.91.3-304.7-51.1-35.1-226.75.9-0.8
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)
0.20.31.30.20.5-16.9-16.1-12.6-34.61.1-0.1

Recent Performance Summary

No data to display

Return on Equity is Poor

Total Income has declined 75.28 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

Latest Financials - Transwarranty Finance Ltd.

Standalone Consolidated
TTM EPS (₹) -0 0.1
TTM Sales (₹ Cr.) 6.8 16.5
BVPS (₹.) 7.2 6.6
Reserves (₹ Cr.) -15 -18
P/BV 2.39 2.63
PE 0.00 197.34
From the Market
52 Week Low / High (₹) 9.11 / 40.60
All Time Low / High (₹) 2.04 / 57.79
Market Cap (₹ Cr.) 92.8
Equity (₹ Cr.) 53.7
Face Value (₹) 10
Industry PE 27.1

Quarterly Results

 Mar'24 YoY Gr. Rt. %Jun'24 YoY Gr. Rt. %Sep'24 YoY Gr. Rt. %Dec'24 YoY Gr. Rt. %
Operating Income1.9 232.11.8 43.11.4 -2.11.7 27.9
Adj EPS (₹)0.42 N/A-0.10 N/A0.05 N/A-0.35 N/A
Net Profit Mgn %110.30 107122 bps-26.97 3745 bps19.55 5448 bps-109.28 -7963 bps

Management X-Ray of Transwarranty Fin.:

Shareholding Pattern

JavaScript chart by amCharts 3.21.5
JavaScript chart by amCharts 3.21.5Promoters:56.32%Institutions:0%Non-Institutions:43.68%

Promoter's Holding & Share Pledging

JavaScript chart by amCharts 3.21.5Sep22Dec22Mar23Jun23Sep23Dec23Mar24Jun24Sep24Dec240%10%20%30%40%50%60%70%
Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Valuation of Transwarranty Fin.

MRP
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MOS
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DP
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Base BVPS
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DPS
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MRP: ₹ 0
DP: ₹0
Base BVPS ₹:
DPS ₹:
MOS (%):
Save my Valuation
Expected BVPS Growth Rate:
0%
Base 0%
30%
Expected Rate of Return:
0%
Base 0%
30%
Future PBV:
0
Base 0
40
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max

Event Update

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Analyst's Notes

No data found!

Key Ratios of Transwarranty Fin.

Adj EPS (Rs.)

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Total Income (Cr.)

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ROE (%)

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BVPS (Rs.)

Price Chart, Live Stock Chart, Technical Chart of
Company Name CMP(₹)
Change ₹(%)
Market Cap
Net Sales (₹ Cr.)
Latest EPS (₹)
Net Profit Margin %
Latest P/E
Latest P/BV
Piramal Enterprises 958.8 -52.7 (-5.2%) Small Cap 10,020 23.1 -16.8 41.6 0.8
Edelweiss Financial 109.2 1.4 (1.3%) Small Cap 9,500 4.9 5.6 22.3 2
Manappuram Finance 197.4 -7.5 (-3.6%) Small Cap 8,848 26.7 24.8 7.4 1.3
CreditAccess Grameen 995.3 -61.1 (-5.8%) Small Cap 5,167 55.2 28 18 2.3
Spandana Sphoorty 326.6 -12.4 (-3.7%) Small Cap 2,424 -66.2 20.7 - 0.8
Fusion Finance 171.6 -7.9 (-4.4%) Small Cap 2,317 -8.1 21.8 - 0.7
Muthoot Microfin 151.2 -4.5 (-2.9%) Small Cap 2,270 17.5 19.8 8.6 0.9
Five Star Business 700.6 -26.2 (-3.6%) Small Cap 2,183 35 38.3 20 3.4
Northern ARC Capital 184.3 -3.1 (-1.6%) Small Cap 1,829 17.4 15.3 10.6 0.9
Fedbank Financial 92.8 -1.8 (-1.9%) Small Cap 1,577 5.9 15.5 15.6 1.4
Shows rows:

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Income8.0310.0111.869.6210.841.686.947.223.879.55
Interest Income7.639.9911.679.5210.611.426.816.723.845.91
Other Income 0.390.020.180.110.230.260.120.500.033.64
Expenditure 7.929.9210.979.2810.676.1410.479.5812.579.20
Interest Expense 0.150.070.080.271.902.292.663.814.604.14
Operating Expenses 7.619.8210.718.958.743.357.685.753.233.88
Provisions 0.160.030.190.060.030.510.140.024.731.18
Exceptional Items 0.060.050-0.22000000
Profit Before Tax 0.170.140.880.130.17-4.46-3.53-2.36-8.700.35
Taxes 0.0600.140.050.04-0.13-0.05000
Profit After Tax 0.110.140.740.080.14-4.33-3.48-2.36-8.700.35
Adjusted EPS (₹)0.00.10.30.00.1-1.6-1.3-0.9-1.80.1
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Equity and Liabilities

Equity Capital56.9657.1057.8432.8627.7123.3819.8717.5332.8433.59
Share Capital 24.4624.4624.4624.4624.4624.4624.4624.4648.4648.89
Reserves 32.5032.6433.388.403.25-1.08-4.59-6.93-15.63-15.30
Minority Interest0000000000
Long Term Borrowings1.700.055.4311.817.038.8627.5826.1023.8229.48
Current Liabilities 2.482.592.434.4311.5512.2713.2116.116.787.33
Trade Payables0.24000.970.300.340.330.410.531.17
Short term borrowings0.810.830.350.488.748.317.628.645.075.28
Other Liabilities-1.05-0.83-0.35-1.44-9.04-8.65-7.95-9.05-5.60-6.46
Total Liabilities 61.1559.7365.7149.1046.2944.5160.6659.7563.4370.40

Assets

Non Current Asset 55.8853.9853.9841.8936.263635.4435.5334.8738.52
Loan Asset 0000000000
Other Non Current Asset 55.8853.9853.9841.8936.263635.4435.5334.8738.52
Current Asset 5.275.7511.737.2110.038.5225.2324.2228.5631.88
Current Investment00.910.04000.010.010.010.010.01
Other Current Asset5.264.8511.697.2110.038.5025.2124.2128.5531.87
Total Assets 61.1559.7365.7149.1046.2944.5160.6659.7563.4370.40

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Cash Flow From Operating Activity 0.580.08-0.32-0.51-3.230.13-154.27-9.53-4.32
Cash Flow From Investing Activity 0.29-0.270.48-0.610.10-0.040.62-0.020.26-1.51
Cash Flow From Financing Activity -0.89-0.10-0.201.173.92-0.6814.21-4.3313.842.25
Net Cash Flow -0.02-0.30-0.040.060.79-0.59-0.18-0.074.58-3.58
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Operational & Financial Ratios

EPS (₹)00000-2-1-1-20
DPS (₹)0000000000
BVPS (₹)2323241311108777

Performance Ratios

ROA (%)0.20.21.20.10.3-9.5-6.6-3.9-14.10.5
ROE (%)0.20.31.30.20.5-16.9-16.1-12.6-34.61.1
ROCE (%)0.50.41.60.74.6-4.9-1.82.6-6.96.7

Valuation Parameters

Price/Book(x)0.30.30.40.60.40.30.31.11.41.5

Transwarranty Finance Ltd Stock News

Transwarranty Finance Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Transwarranty Fin. on 11-Feb-2025 16:59 is ₹17.28.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 11-Feb-2025 16:59 the market cap of Transwarranty Fin. stood at ₹92.75.
The latest P/E ratio of Transwarranty Fin. as of 11-Feb-2025 16:59 is 0.00.
The latest P/B ratio of Transwarranty Fin. as of 11-Feb-2025 16:59 is 2.39.
The 52-week high of Transwarranty Fin. is ₹40.60 and the 52-week low is ₹9.11.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Transwarranty Fin. is ₹6.79 ( Cr.) .

About Transwarranty Finance Ltd

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

  • Investment Banking
  • Corporate Finance
  • Project Finance
  • Real Estate & Infrastructure
  • Trade Finance
  • Micro Finance
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