Transwarranty Finance Ltd
Fundamental Score
Transwarranty Finance Ltd Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
Educational evaluation of TFL across key market metrics for learning purposes.
Positive Indicators
3 factors identified
Consistent Growth Track Record (15.31% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model and market opportunity execution over time.
Balanced Promoter Holding (56.00%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment while ensuring adequate liquidity.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral, reducing forced-selling risk.
Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.
Risk Factors
11 factors identified
Below-Average Return on Equity (-10.14%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Suboptimal ROCE (1.28%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation. Review business model and competitive positioning.
Margin Pressure Concerns (4.66%)
Observation: Operating margins are below industry standards.
Analysis: OPM <5% may indicate pricing pressures or cost management challenges. Monitor for operational improvements.
Profit Decline Concern (-368.09%)
Observation: Significant year-over-year profit contraction observed.
Analysis: Declining profitability requires investigation into underlying causes. Monitor for recovery signs and management guidance.
Revenue Contraction (-14.25%)
Observation: Sales decline may indicate market challenges or competitive pressures.
Analysis: Negative revenue growth requires analysis of market conditions and competitive positioning. Monitor recovery strategies.
Elevated Debt Levels (D/E: 1.15)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability and cash flow generation.
Weak Interest Coverage (-0.32x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability. Monitor cash flow and debt reduction plans.
Negative Free Cash Flow (₹-25.95 Cr over 5Y)
Observation: Cash outflows exceed inflows, indicating capital intensity or working capital issues.
Analysis: Negative FCF requires analysis of capital expenditure cycle and working capital management efficiency.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints. Assess capital allocation strategy.
Very Low ROE
Observation: Poor capital utilization and shareholder returns.
Analysis: ROE below 5% suggests significant inefficiencies in capital deployment.
Small Market Cap
Observation: Higher investment risk due to limited size.
Analysis: Small-cap stocks typically carry higher volatility and liquidity risks.
Financial Statements
Comprehensive financial data for Transwarranty Finance Ltd
About TFL
Business Overview
Transwarranty Finance Limited, a non-banking finance company, provides financial services in India. The company offers investment banking services, including private equity syndication, mergers and acquisitions, restructuring and structured funding; and corporate finance services, such as financial advice and execution to raise external commercial borrowings, rupee term loan, fund based, and non-fund based working capital finance, project finance, and structured finance. It also provides trade finance services comprising letter of credit and clean bills discounting, factoring, inter corporate deposits, loans against property, loans against shares/promoter funding, import and export finance services; small and medium enterprise loans; margin funding; and personal finance for holiday, education, and other specific end use. In addition, the company involved in retail stock broking, depository participation, institutional broking, arbitrage, distribution of mutual funds, IPO, and other financial products; manages initial public offers/follow on offers/rights issues and debt issues, placement of equity shares with QIP/private equity funds and preference shares, corporate restructuring, valuations of companies/enterprises/share, listing services on National Stock Exchange and Bombay Stock Exchange, buy back of shares, take over and offer for sale, ESOPs, and certifications. It serves small, medium, and large companies, as well as retail clients. Transwarranty Finance Limited was incorporated in 1994 and is headquartered in Mumbai, India.
Company Details
Key Leadership
Corporate Events
TFL Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of Transwarranty Finance Ltd (TFL)?
As of 09 Feb 2026, 06:04 am IST, Transwarranty Finance Ltd (TFL) is currently trading at ₹14.29. The stock has a market capitalization of ₹76.81 (Cr).
Is TFL share price Overvalued or Undervalued?
TFL is currently trading at a P/E ratio of 0.00x, compared to the industry average of 22.03x. Based on this relative valuation, the stock appears to be Fairly Valued against its sector peers.
What factors affect the Transwarranty Finance Ltd share price?
Key factors influencing TFL's price include its quarterly earnings growth (Sales Growth: -14.25%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Transwarranty Finance Ltd a good stock for long-term investment?
Transwarranty Finance Ltd shows a 5-year Profit Growth of 8.85% and an ROE of -10.14%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 1.15 before investing.
How does Transwarranty Finance Ltd compare with its industry peers?
Transwarranty Finance Ltd competes with major peers in the Non Banking Financial Company (NBFC). Investors should compare TFL's P/E of 0.00x and ROE of -10.14% against the industry averages to determine its competitive standing.
What is the P/E ratio of TFL and what does it mean?
TFL has a P/E ratio of N/Ax compared to the industry average of 22.03x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹N/A for every ₹1 of annual earnings.
How is TFL performing according to Bull Run's analysis?
TFL has a Bull Run fundamental score of 14.9/100, which indicates concerns that require careful analysis. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does TFL belong to?
TFL operates in the Non Banking Financial Company (NBFC) industry. This classification helps understand the competitive landscape and sector-specific trends affecting Transwarranty Finance Ltd.
What is Return on Equity (ROE) and why is it important for TFL?
TFL has an ROE of -10.14%, which suggests challenges in generating returns from shareholders' equity. Return on Equity measures how efficiently Transwarranty Finance Ltd generates profits from shareholders' equity.
How is TFL's debt-to-equity ratio and what does it indicate?
TFL has a debt-to-equity ratio of 1.15, which indicates high leverage that increases financial risk. A ratio below 1.0 generally indicates conservative financing.
What is TFL's dividend yield and is it a good dividend stock?
TFL offers a dividend yield of 0.00%, which means you receive ₹0.00 annual dividend for every ₹100 invested.
How has TFL grown over the past 5 years?
TFL has achieved 5-year growth rates of: Sales Growth 15.31%, Profit Growth 8.85%, and EPS Growth 9.48%.
What is the promoter holding in TFL and why does it matter?
Promoters hold 56.00% of TFL shares, with 0.00% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is TFL's market capitalization category?
TFL has a market capitalization of ₹77 crores, placing it in the Small-cap category.
How volatile is TFL stock?
TFL has a beta of N/A. A beta > 1 suggests the stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for TFL?
TFL has a 52-week high of ₹N/A and low of ₹N/A.
What is TFL's operating profit margin trend?
TFL has a 5-year average Operating Profit Margin (OPM) of 4.66%, indicating the company's operational efficiency.
How is TFL's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of -14.25% and YoY Profit Growth of -368.09%.
What is the institutional holding pattern in TFL?
TFL has FII holding of 0.00% and DII holding of 0.00%. Significant institutional holding often suggests professional confidence in the stock.