Micro NBFC

Transwarranty Finance Ltd.

TFL

₹16.41

1.8% (0.29)

Market Cap

₹88 Cr.

P/E

0.00

Transwarranty Finance Ltd.
Overview
Financials
Benchmarking
Shareholding

Transwarranty Finance Ltd.

Transwarranty Finance Ltd.
Overview
Financials
Benchmarking
Shareholding

Price
Growth Table
Balance Sheet
Profit & Loss
Cash Flow
Cash Flow Analysis
Ratios
Quarterly Results
Reverse DCF

FAQs on Transwarranty Finance Ltd. Shareprice

Has the share price of Transwarranty Fin. grown faster than its competition?

Transwarranty Fin. has given lower returns compared to its competitors.
Transwarranty Fin. has grown at ~17.91% over the last 6yrs while peers have grown at a median rate of 26.07%

Is Transwarranty Fin. stock expensive?

Transwarranty Fin. is expensive when considering the Price to Book, however latest PE is < 3 yr avg PE.
Latest PE of Transwarranty Fin. is 0.0 while 3 year average PE is 25.6.
Also latest Price to Book of Transwarranty Fin. is 2.83 while 3yr average is 2.27.

View FAQ's On Business

Growth Table

Transwarranty Finance Ltd.
Mukesh Babu Fin Serv
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Saumya Consultants
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In %	1yr	2yr	3yr	4yr	5yr	6yr	7yr	8yr	9yr	10yr
Share Price CAGR	-32.97	36.17	32.72	41.82	42.63	17.91	19.91	3.33	7.36	11.61
TTM EPS CAGR	—	—	—	—	—	—	—	—	—	—
Sales CAGR	5.76	17.31	0.25	1.04	17.69	-2.12	-1.27	-2.32	-0.75	0.63
PAT Margin (Abs Growth)	91.47	20.21	25.32	136	3.03	0.62	-1.11	8.72	7.46	15.20
PE CAGR	-100.00	—	—	—	—	-100.00	-100.00	-100.00	—	—
CFO CAGR	20.96	—	15.41	—	74.08	—	—	65.69	—	51.65

* Share price and PE growth are updated everyday. All other fields are as of latest financial year end. EPS adjusted for bonus and splits.

Balance Sheet

Transwarranty Finance Ltd.
Mukesh Babu Fin Serv
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Saumya Consultants
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In Rs. Cr.	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Assets	74.87	84.80	68.84	65.78	59.74	92.27	101	104	96.77	100
Non Current Assets	50.90	47.36	35.11	36.92	36.97	41.20	37.88	36.68	51.85	76.05
Net Block	7.04	6.77	16.61	16.29	16.85	16.31	15.80	15.26	15.18	14.86
Capital Work in Progress	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	—
Intangible Assets Under Development	—	—	—	—	—	—	—	—	—	—
Long Term Investments	23.24	19.97	0.88	0.68	0.69	0.11	0.13	0.14	0.04	0.10
Current Assets	24.01	37.48	33.77	30.86	24.90	53.27	64.86	69.52	47.13	23.98
Inventory	—	0.06	0.18	0.07	0.07	0.07	—	—	—	—
Accounts Receivable	4.60	6.79	7.36	12.91	6.40	10.24	11.71	14.18	9.22	5.48
Short Term Investments	0.91	0.04	0.00	0.00	0.01	0.01	0.01	0.01	0.01	—
Cash & Bank Balances	2.28	3.15	4.73	5.74	6.36	14.41	25.31	29.44	8.38	8.47
Liabilities	74.87	84.80	68.84	65.78	59.74	92.27	101	104	96.77	100
Shareholders Funds	54.94	55.93	31.34	26.27	19.64	16.47	14.21	29.22	30.19	31.09
Share Capital	24.46	24.46	24.46	24.46	24.46	24.46	24.46	48.46	48.89	53.99
Reserves	30.48	31.47	6.88	1.81	-4.82	-7.99	-10.25	-19.25	-18.70	-22.90
Non Current Liabilities	1.92	7.35	13.68	6.99	8.81	29.56	28.05	29.27	28.00	64.07
Secured Loans	0.06	0.03	1.53	0.81	1.78	2.58	3.50	3.06	2.33	—
Unsecured Loans	0.60	6.06	10.94	8.18	9.16	29.16	26.73	28.40	27.88	—
Current Liabilities	12.57	15.81	17.75	26.37	27.17	41.83	53.75	41.27	34.11	0.75
Accounts Payable	7.78	11.95	11.84	13.11	11.56	23.64	32.60	29.67	23.49	20.93
Short Term Loans	2.40	2.24	3.55	10.37	11.57	11.15	12.49	8.85	8.16	—

Balance Sheet Snapshot

No data available.

Fund Flow Analysis

Increase
Decrease
Total

No data available.

*Data is as of latest FY end

Profit & Loss

Transwarranty Finance Ltd.
Mukesh Babu Fin Serv
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Saumya Consultants
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In Rs. Cr.	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	TTM
Sales	15.29	17.98	16.30	16.94	6.60	14.30	14.79	10.83	14.09	14.90
Operating Expenses	15.60	17.41	14.93	15.44	13.44	15.08	13.42	15.24	11.38	14.28
Raw Material	5.88	7.27	3.82	5.72	—	5.69	3.92	—	—	0.00
Material Cost (%)	38.44	40.45	23.47	33.73	0.00	39.81	26.49	0.00	0.00	0.00
Employee Cost	4.30	3.63	4.00	3.99	4.20	3.67	3.94	4.27	4.37	5.35
Power & Fuel Cost	0.17	0.13	0.14	0.04	0.02	0.01	0.01	0.02	0.02	—
Operating Profit	-0.32	0.57	1.37	1.50	-6.84	-0.78	1.37	-4.41	2.71	0.62
Other Income	0.93	1.86	1.53	1.74	1.51	1.88	1.78	1.20	3.29	0.79
OPM (%)	-2.07	3.17	8.39	8.87	-104	-5.47	9.26	-40.73	19.21	4.16
Depreciation and Amortisation	0.41	0.34	0.86	0.45	0.66	0.59	0.57	0.49	0.47	0.50
Interest	0.72	0.73	0.94	2.30	2.74	3.37	4.72	5.60	4.73	3.63
Profit Before Tax	-0.47	1.36	0.87	0.49	-8.72	-2.86	-2.15	-9.30	0.80	-2.72
Tax	-0.00	0.14	0.05	0.05	-0.13	-0.05	0.00	-0.01	-0.00	0.64
Net Profit	-0.17	0.98	0.47	0.30	-6.59	-3.12	-2.28	-9.00	0.58	-3.35
Number of shares(Crs)	2.45	2.45	2.45	2.45	2.45	2.45	2.45	4.89	4.89	—
Dividend Payout Ratio(%)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	—

TTM Values as of Mar 2025

Cash Flow

Transwarranty Finance Ltd.
Mukesh Babu Fin Serv
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Saumya Consultants
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In Rs. Cr.	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Cash from Operating Activity	-0.26	0.61	0.43	-0.92	0.82	-9.60	15.86	-12.20	-14.75	-4.57
Profit Before Tax	-0.47	1.36	0.87	0.49	-8.72	-2.86	-2.15	-9.30	0.80	-4.77
Adjustments	0.77	0.27	1.69	2.13	5.49	2.02	1.60	5.95	0.06	1.92
OCF Before Working Capital	0.31	1.63	2.56	2.63	-3.22	-0.84	-0.55	-3.35	0.85	-2.85
Working Capital Changes	-0.23	-1.40	-2.16	-3.15	3.97	-8.61	16.72	-8.81	-15.41	-6.33
Taxes Paid	-0.34	0.37	0.02	-0.40	0.08	-0.14	-0.30	-0.03	-0.19	4.61
Cash from Investing Activity	-0.79	1.13	-0.48	-0.29	0.24	-5.17	-7.71	1.74	6.93	-0.23
Net Fixed Assets Purchased	-0.16	-0.07	-0.37	-0.30	0.24	-0.08	-0.10	-0.12	-0.22	-0.23
Fixed Assets Purchased	-0.17	-0.07	-0.37	-0.40	-0.59	-0.10	-0.10	-0.15	-0.22	-0.23
Fixed Assets Sold	0.01	—	0.00	0.11	0.83	0.01	—	0.03	—	—
Investment Purchased	-0.79	—	—	-0.00	-0.01	-5.70	-7.61	-0.02	—	-0.05
Investment Sold	—	—	0.09	—	0.83	0.60	—	1.88	7.14	—
Interest Recieved	0.07	0.73	0.14	—	—	—	—	—	—	—
Dividends Recieved	0.00	0.08	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Subsidiary Investments	—	—	—	—	—	—	—	—	—	—
Cash from Financing Activity	0.15	-0.87	1.63	1.96	0.39	17.13	-4.86	16.47	-6.24	4.88
Proceeds From Shares	—	0.05	—	—	—	—	—	24.00	0.43	—
Net Long Term Borrowings	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	2.78
Proceeds From Borrowings	—	—	—	—	—	—	—	—	—	2.78
Repayment From Borrowings	—	—	—	—	—	—	—	—	—	—
Interest Paid	-0.72	-0.73	-0.94	-1.97	-2.76	-3.25	-4.71	-5.10	-4.73	5.09
Dividend Paid	-0.01	-0.00	—	—	—	—	—	—	—	—
Net Cash Flow	-0.89	0.87	1.58	0.74	1.44	2.36	3.29	6.01	-14.06	0.08
Opening Cash & Cash Equivalents	3.17	2.28	3.15	1.63	2.37	3.82	6.17	9.47	15.48	1.42
Effect of FX	—	—	—	—	—	—	—	—	—	—
Closing Cash & Cash Equivalents	2.28	3.15	4.73	2.37	3.82	6.17	9.47	15.48	1.42	1.50
Net Capex (est)	0.16	0.07	0.37	0.30	-0.24	0.08	0.10	0.12	0.22	0.23
Free Cash Flow (est)	-0.42	0.54	0.06	-1.22	1.06	-9.68	15.76	-12.31	-14.97	-4.79

Cash Flow Analysis

Increase
Decrease
Total

No data available.

Ratios

= Dominant Factor

Transwarranty Finance Ltd.
Mukesh Babu Fin Serv
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Saumya Consultants
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	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Operational Ratios
Quick Ratio	2.01	1.91	2.41	1.93	1.20	0.97	1.29	1.37	1.69	1.38
Liquid Assets (Crs)	22.66	24.01	38.16	34.20	31.69	26.23	53.99	73.56	69.78	47.13
Current Liabilities (Crs)	11.25	12.57	15.81	17.75	26.37	27.17	41.83	53.75	41.27	34.11
Current Ratio	2.01	1.91	2.37	1.90	1.17	0.92	1.27	1.21	1.68	1.38
Current Assets (Crs)	22.66	24.01	37.48	33.77	30.86	24.90	53.27	64.86	69.52	47.13
Current Liabilities (Crs)	11.25	12.57	15.81	17.75	26.37	27.17	41.83	53.75	41.27	34.11
Interest Coverage Ratio	0.56	0.35	2.87	1.93	1.21	-2.19	0.15	0.54	-0.66	1.17
EBIT (Crs)	-0.05	0.20	2.09	2.03	2.80	-5.98	0.51	2.57	-3.69	5.53
Interest Expenses (Crs)	0.37	0.72	0.73	0.94	2.30	2.74	3.37	4.72	5.60	4.73
Fixed Asset Turnover	0.95	1.15	1.34	0.64	0.67	0.25	0.54	0.55	0.41	0.52
Net Sales (Crs)	12.55	15.29	17.98	16.30	16.94	6.60	14.30	14.79	10.83	14.09
Fixed Assets (Crs)	13.24	13.34	13.42	25.40	25.47	26.69	26.66	26.76	26.69	27.09
Cash Conversion Cycle	-429	-362	-378	-974	-576	-26.59	-916	-2,350	436	303
Inventory Days	0.00	0.00	1.16	2.61	2.68	4.00	0.00	0.00	0.00	0.00
Days Receivable	133	111	116	159	218	534	212	271	436	303
Days Payable	562	472	495	1,135	797	565	1,129	2,621	—	—
Debt to Equity Ratio	0.07	0.06	0.15	0.51	0.74	1.15	2.60	3.01	1.38	1.27
Total Debt (Crs)	3.79	3.12	8.36	16.10	19.36	22.51	42.89	42.73	40.31	38.37
Shareholders Equity (Crs)	55.11	54.94	55.93	31.34	26.27	19.64	16.47	14.21	29.22	30.19
Free Cash Flow/Sales (%)	12.94	-2.75	3.00	0.36	-7.19	16.09	-67.70	107	-114	-106
Free Cash Flow(est) (Crs)	1.62	-0.42	0.54	0.06	-1.22	1.06	-9.68	15.76	-12.31	-14.97
Net Sales (Crs)	12.55	15.29	17.98	16.30	16.94	6.60	14.30	14.79	10.83	14.09
Profitability Ratios
Gross Margin (%)	63.94	61.56	59.55	76.53	66.27	100.00	60.19	73.51	100.00	100.00
Op Profit Margin (%)	-7.75	-2.07	3.17	8.39	8.87	-104	-5.47	9.26	-40.73	19.21
Operating Profit (Crs)	0.47	0.62	2.43	2.89	3.25	-5.32	1.10	3.15	-3.21	6.00
Net Sales (Crs)	12.55	15.29	17.98	16.30	16.94	6.60	14.30	14.79	10.83	14.09
Net Profit Margin (%)	-0.43	-1.08	5.46	2.91	1.78	-99.80	-21.86	-15.41	-83.10	4.13
Net Profit (Crs)	-0.05	-0.17	0.98	0.47	0.30	-6.59	-3.12	-2.28	-9.00	0.58
Net Sales (Crs)	12.55	15.29	17.98	16.30	16.94	6.60	14.30	14.79	10.83	14.09
ROCE (%)	-0.08	0.33	3.03	3.97	7.10	-18.36	1.01	5.49	-5.89	8.82
EBIT (Crs)	-0.05	0.20	2.09	2.03	2.80	-5.98	0.51	2.57	-3.69	5.53
Capital Employed (Crs)	64.35	62.29	68.99	51.09	39.41	32.56	50.44	46.81	62.74	62.65
Return on Assets (%)	-0.07	-0.22	1.16	0.69	0.46	-11.02	-3.39	-2.27	-8.65	0.60
Net Profit (Crs)	-0.05	-0.17	0.98	0.47	0.30	-6.59	-3.12	-2.28	-9.00	0.58
Total Assets (Crs)	75.60	74.87	84.80	68.84	65.78	59.74	92.27	101	104	96.77
ROIC (%)	-13.14	-4.48	0.82	1.50	3.84	-43.21	-5.47	5.99	-21.07	7.94
Op Profit after Taxes (Crs)	-2.04	-0.73	0.21	0.48	0.96	-7.38	-1.35	0.79	-4.89	2.25
Invested Capital (Crs)	15.52	16.20	25.30	31.97	24.94	17.08	24.58	13.25	23.22	28.29
ROE (%)	-0.10	-0.30	1.76	1.51	1.15	-33.52	-18.97	-16.03	-30.80	1.93
Net Profit Margin (%)	-0.43	-1.08	5.46	2.91	1.78	-99.80	-21.86	-15.41	-83.10	4.13
Asset Turnover ratio	0.17	0.20	0.21	0.24	0.26	0.11	0.15	0.15	0.10	0.15
Equity Multiplier	1.37	1.36	1.52	2.20	2.50	3.04	5.60	7.07	3.56	3.21
Adjusted EPS	-0.02	-0.06	0.37	0.18	0.11	-2.47	-1.17	-0.85	-1.86	0.12
Valuation Ratios
P/E	0.00	0.00	24.34	44.51	36.45	0.00	0.00	0.00	0.00	89.16
Price to Book	0.28	0.31	0.43	0.67	0.42	0.30	0.34	1.36	1.54	1.72
EV/EBITDA	34.45	28.51	11.99	11.23	7.59	-4.15	31.02	11.68	-17.43	13.65
Dividend Yield (%)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Quarterly Results

Transwarranty Finance Ltd.
Mukesh Babu Fin Serv
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Saumya Consultants
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In Rs. Cr.	Dec'22	Mar'23	Jun'23	Sep'23	Dec'23	Mar'24	Jun'24	Sep'24	Dec'24	Mar'25
Net Sales	3.55	1.92	2.69	3.25	3.03	5.12	4.02	3.86	3.53	3.49
Operating Expenses	2.92	6.75	2.76	3.38	2.95	2.30	3.43	3.70	3.90	3.24
Increase/Decrease in Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Raw Material	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Employee Cost	1.09	1.02	1.11	1.06	1.03	1.16	1.30	1.45	1.35	1.26
Selling and Distribution Expenses	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Electricity, Power & Fuel Cost	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Gen_AdminExpenses	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	3.52
Miscellaneous Expenses	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-0.16
Operating Profit	0.63	-4.83	-0.07	-0.13	0.08	2.83	0.59	0.16	-0.37	0.24
Other Income	-0.05	0.22	0.27	0.95	0.86	1.21	0.22	1.30	-0.76	0.04
Interest	1.48	1.28	1.15	1.21	1.19	1.18	1.11	0.83	1.08	0.61
PBDT	-0.90	-5.89	-0.95	-0.39	-0.24	2.85	-0.30	0.63	-2.21	-0.33
Depreciation and Amortization	0.12	0.12	0.11	0.12	0.12	0.13	0.09	0.16	0.13	0.13
Profit Before Tax	-1.02	-6.01	-1.07	-0.51	-0.36	2.73	-0.39	0.47	-2.34	-0.46
Tax	0.00	-0.01	0.00	0.00	0.00	-0.00	0.00	0.00	0.00	0.64
Profit After Tax	-1.02	-6.00	-1.07	-0.51	-0.36	2.73	-0.39	0.47	-2.34	-1.09
Exceptional Items	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Profit	-1.02	-6.00	-1.07	-0.50	-0.36	2.73	-0.39	0.47	-2.34	-1.09
Quarterly Ratios
EPS	-0.32	-1.24	-0.22	-0.10	-0.07	0.56	-0.08	0.09	-0.44	-0.20
Operating Profit Margin	17.71	-251	-2.72	-3.91	2.61	55.14	14.65	4.09	-10.50	7.00
Net Profit Margin	-28.74	-313	-39.71	-15.55	-11.81	53.25	-9.60	12.12	-66.23	-31.41

Reverse DCF

Earnings

Discount Rate (%)

Terminal Multiple

5 YEAR

10 YEAR

20 YEAR

#N/A.0

Implied Growth Rate over a 5 year period*

#N/A.0

Implied Growth Rate over a 10 year period*

#N/A.0

Implied Growth Rate over a 20 year period*

*Implied Growth calculated using Newton-Raphson method.

Learn how to use Reverse DCF

FAQs on Transwarranty Finance Ltd. Financials

How strong is Transwarranty Fin. balance sheet?

The companies balance sheet of Transwarranty Fin. is weak, but was strong historically.

Is the profitablity of Transwarranty Fin. improving?

The profit is oscillating.
The profit of Transwarranty Fin. is -₹3.35 Crs for TTM, ₹0.58 Crs for Mar 2024 and -₹9 Crs for Mar 2023.

Does Transwarranty Fin. pay decent dividends?

The company seems to be paying a very low dividend.
Investors need to see where the company is allocating its profits.
Transwarranty Fin. latest dividend payout ratio is 0% and 3yr average dividend payout ratio is 0%

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Transwarranty Finance Ltd.

Transwarranty Finance Ltd.

Has the share price of Transwarranty Fin. grown faster than its competition?

Is Transwarranty Fin. stock expensive?

How strong is Transwarranty Fin. balance sheet?

Is the profitablity of Transwarranty Fin. improving?

Does Transwarranty Fin. pay decent dividends?

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