Transwarranty Finance Limited

: TFL · Non Banking Financial Company (NBFC)

52W Range₹10 ₹19

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Snapshot

Unlock Transwarranty Finance Limited's vital signs

Growth · Profitability · Valuation · Strength · Conviction

Company Overview

Business

Transwarranty Finance Ltd is a non-banking financial company providing lending and advisory services to large corporates and SMEs. Its operations span trade finance, debt and equity structuring, and investment banking, alongside the distribution of third-party financial products and insurance services.

Business Model

The company generates revenue through interest income from its lending portfolio, advisory fees from investment banking services, and commissions from the distribution of third-party financial products and insurance.

  • Registered Clients:20,000+
  • Office Network:150

Growth Outlook

Growth is expected to be driven by the company's focus on niche social impact lending and the expansion of its fintech-oriented financial services. Continued leveraging of its long-standing relationships with SME and MSME clients remains a core strategic pillar.

Key Risks

  • Credit Risk. The company faces potential losses if its SME and MSME borrowers default on their loan obligations.
  • Regulatory Risk. As an NBFC, the company is subject to stringent and evolving regulatory oversight by the Reserve Bank of India.
  • Interest Rate Risk. Fluctuations in market interest rates may impact the company's net interest margins and cost of borrowing.
  • Market Competition. The financial services sector is highly competitive, with pressure from both traditional banks and emerging fintech platforms.

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Key Metrics

REVENUE

₹14 Cr

TTM · consolidated

-3.1%YoY

NET PROFIT

₹-4 Cr

TTM · consolidated

-31.8%YoY

EPS

₹-0.48

TTM · consolidated

+54.3%YoY

RETURN ON EQUITY

-14.5%

TTM · consolidated

-3.7 ppYoY

P/E

-23.1x

Q4 FY26 · consolidated

-23.1 vs 38.4x5Y avg

NET PROFIT MARGIN

-34.6%

Q4 FY26 · consolidated

-3.1 ppYoY

Peers · Non Banking Financial Company (NBFC)

CompanyMkt CapP/EEV/EBITDARev Gr YoYEBITDA MgnROEROCE1Y Return
Transwarranty Finance LimitedTFL
₹69 Cr-25.96-3.1%-14.5%-21.9%
Purple FinancePURPLEFIN
₹433 Cr-367.50204.7%-1.2%+102.3%
Akme Fintrade (India) LimitedAFIL
₹401 Cr9.0440.5%11.0%+35.4%
Moneyboxx Finance LimitedMONEYBOXX
₹398 Cr237.385.9%0.5%-57.2%
Muthoot Capital Services LimitedMUTHOOTCAP
₹395 Cr16.5022.0%3.6%-12.6%
Avonmore Capital & Management Services LimitedAVONMORE
₹392 Cr25.7411.4%8.3%-27.6%

As of Q4 FY26

Financials