Transwarranty Finance Ltd.
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ABOUT
AI Sector View
AI GENERATEDFinancial Services
Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.
PROS
- Comfortable capital adequacy - CAR of 51.3%
- Asset quality is healthy - gross NPA of just 0.0%
- Company has delivered good sales growth of 17.7% CAGR over last 5 years
CONS
- Company is loss-making at the operating / net level
- Company has a low return on equity of -19.2% over last 3 years
- Company has a low return on capital employed of 0.2%
- Promoter holding has decreased over last 2 years: -7.9pp
- Equity base is being diluted - shares outstanding up 120.7%
- Effective tax rate is unusually low at -13.3% - earnings may be flattered
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | 1055.00 | 32.35 | 656838.18 | 0.57 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| SHRIRAMFIN | 1029.95 | 21.41 | 242345.54 | 1.05 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| TATACAP | 367.80 | 28.89 | 156126.28 | 0.15 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| CHOLAFIN | 1824.90 | 27.10 | 155858.50 | 0.11 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| JIOFIN | 233.50 | 74.61 | 154183.36 | 0.26 | 830.25 | 155.73 | 2004.47 | 227.28 | 2.11 | 69.71 |
| BAJAJHLDNG | 11055.60 | 13.89 | 123041.65 | 1.76 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| MUTHOOTFIN | 2896.70 | 10.23 | 116293.37 | 1.04 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| ABCAPITAL | 396.20 | 26.43 | 108461.67 | 0.00 | 1223.85 | 43.85 | 12179.54 | 137.84 | 8.82 | 41.91 |
| LTF | 308.50 | 24.30 | 77320.98 | 0.89 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| SBICARD | 668.55 | 27.96 | 63622.10 | 0.37 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| HDBFS | 682.70 | 26.07 | 56716.32 | 0.59 | 785.20 | 38.31 | 4937.90 | 18.71 | 9.09 | 57.98 |
| TFL | 12.11 | 0.00 | 66.75 | 0.00 | -0.12 | 85.88 | 2.56 | -35.24 | -1.62 | 20.52 |
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 3 | 3 | 3 | 5 | 4 | 4 | 4 | 3 | 4 | 3 | 3 | 4 | 3 | |
| 3 | 3 | 3 | 2 | 3 | 4 | 4 | 3 | 4 | 4 | 4 | 5 | 3 | |
| Operating Profit | -0 | -0 | 0 | 3 | 1 | 0 | -0 | 0 | 0 | -0 | -1 | -3 | 1 |
| OPM % | -2.97% | -4.00% | 2.64% | 55.27% | 14.68% | 4.15% | -10.48% | 6.88% | 6.08% | -10.27% | -19.49% | -61.98% | 20.52% |
| Other Income | 0 | 1 | 1 | 1 | 0 | 1 | -1 | 0 | 0 | 0 | 1 | 1 | 0 |
| Interest | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -0 | 0 |
| -1 | -1 | -0 | 3 | -0 | 0 | -2 | -0 | -1 | -1 | -1 | -1 | -0 | |
| Tax % | -0.00% | -0.00% | -0.00% | 0.00% | -0.00% | 0.00% | -0.00% | -0.00% | -2.38% | 0.79% | -1.11% | -3.70% | -0.00% |
| Net Profit | 0 | 0 | 0 | 0 | -0 | 0 | -2 | -11 | -1 | -1 | -1 | -1 | -0 |
| -0 | -0 | -0 | 1 | -0 | 0 | -0 | -1 | -0 | -0 | -0 | -0 | -0 |
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 15 | 18 | 16 | 17 | 7 | 14 | 15 | 11 | 14 | 15 | 13 | |
| 16 | 17 | 15 | 15 | 13 | 15 | 13 | 15 | 11 | 15 | 15 | |
| Operating Profit | -0 | 1 | 1 | 2 | -7 | -1 | 1 | -4 | 3 | 0 | -2 |
| OPM % | -2.07% | 3.17% | 8.39% | 8.87% | -103.63% | -5.47% | 9.26% | -40.73% | 19.21% | 1.55% | -17.57% |
| 1 | 2 | 1 | 2 | 2 | 2 | 2 | 1 | 3 | -1 | 1 | |
| Interest | 1 | 1 | 1 | 2 | 3 | 3 | 5 | 6 | 5 | 4 | 3 |
| Depreciation | 0 | 0 | 1 | 0 | 1 | 1 | 1 | 0 | 0 | 1 | 0 |
| Profit before Tax | -0 | 1 | 1 | 0 | -9 | -3 | -2 | -9 | 1 | -5 | -4 |
| Tax % | 0.66% | 10.28% | 5.29% | 9.14% | 1.54% | 1.89% | -0.00% | 0.08% | -0.39% | -13.34% | -1.37% |
| Net Profit | -0 | 1 | 1 | 0 | -9 | -3 | -2 | -9 | 1 | -5 | -4 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -0.95 | -0.95 | -3.27 | 0.12 | -0.94 | — |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- 2%
- 5 Years:
- 18%
- 3 Years:
- 0%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
STOCK PRICE CAGR
- 10 Years:
- 5%
- 5 Years:
- 20%
- 3 Years:
- 4%
- 1 Year:
- -19%
RETURN ON EQUITY
- 10 Years:
- -12%
- 5 Years:
- -17%
- 3 Years:
- -19%
- Last Year:
- -18%
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 24 | 24 | 24 | 24 | 24 | 24 | 24 | 48 | 49 | 54 |
| Minority Interest | 5 | 6 | 6 | 6 | 4 | 4 | 5 | 4 | 4 | 4 |
| 30 | 31 | 7 | 2 | -5 | -8 | -10 | -19 | -19 | -23 | |
| 4 | 10 | 18 | 20 | 24 | 43 | 49 | 40 | 41 | 43 | |
| Trade Payables | 8 | 12 | 12 | 13 | 12 | 24 | 33 | 30 | 22 | 20 |
| 2 | 1 | 2 | 0 | 0 | 4 | 0 | 0 | -1 | 0 | |
| Total Liabilities | 75 | 85 | 69 | 66 | 60 | 92 | 101 | 104 | 97 | 98 |
| 7 | 7 | 17 | 16 | 17 | 16 | 16 | 15 | 15 | 15 | |
| 24 | 20 | 1 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3 | 4 | |
| Cash & Bank | 2 | 3 | 5 | 6 | 6 | 14 | 25 | 29 | 1 | 1 |
| 41 | 55 | 46 | 43 | 36 | 61 | 59 | 59 | 77 | 77 | |
| Total Assets | 75 | 85 | 69 | 66 | 60 | 92 | 101 | 104 | 97 | 98 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 0 | 0 | 0 | -1 | 1 | -9 | 16 | -12 | -15 | -5 | |
| Cash from Investing | -1 | 1 | -0 | -0 | 0 | -5 | -8 | 2 | 7 | -0 |
| Cash from Financing | 0 | -1 | 2 | 2 | 0 | 17 | -5 | 16 | -6 | 5 |
| -1 | 1 | 2 | 1 | 1 | 2 | 3 | 6 | -14 | 0 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-06 - Transwarranty Finance Limited has informed the Exchange about Copy of Newspaper Publication
2026-09-04 - Transwarranty Finance Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on September 30, 2026
2026-09-01 - Transwarranty Finance Limited has informed the Exchange about Copy of Newspaper Publication
2026-08-25 - Transwarranty Finance Limited has informed the Exchange regarding Outcome of Board Meeting held on August 25, 2026.
2026-08-20 - Transwarranty Finance Limited has informed the Exchange about General Updates
2026-08-01 - Transwarranty Finance Limited has informed the Exchange about Copy of Newspaper Publication
2026-07-31 - Transwarranty Finance Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.
2026-07-11 - Transwarranty Finance Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018
2026-07-10 - Transwarranty Finance Limited has informed the Exchange regarding Outcome of Board Meeting held on July 10, 2026.
News
Recent coverage and analyst commentary for TFL
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Transwarranty Finance Ltd.
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