TFL
Transwarranty Finance Limited (TFL) Stock Analysis
Transwarranty Finance Limited is an Indian NBFC providing vehicle finance, corporate loans, and related lending products. It serves retail and commercial borrowers through branches and partners. The company operates as a listed finance company on Indian stock exchanges.
Financial Services › Mortgage Finance
₹12.20
+1.33% 1W | -16.00% 52W
Market Cap
67 CR
P/E Ratio
–
52W High
₹18.5
52W Low
₹10.2
Div. Yield
0%
Beta
0.4
50 DMA
₹11.8
200 DMA
₹12.5
Profit Margin
-31.2%
Inst. Own.
0%
🚀 BREAKOUT
🛑 HIT RESISTANCE
Fundamentals
Profit & Loss
| Metric | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2.69 | 3.25 | 3.03 | 5.12 | 4.02 | 3.86 | 3.53 | 3.49 | 3.95 | 3.31 | 3.13 | 4.05 | 2.55 |
| Interest | 1.15 | 1.21 | 1.19 | 1.18 | 1.11 | 0.83 | 1.08 | 0.61 | 1.13 | 0.90 | 0.67 | 0.71 | 0.86 |
| Expenses | 2.76 | 3.38 | 2.95 | 2.30 | 3.43 | 3.70 | 3.90 | 3.24 | 3.71 | 3.65 | 3.74 | 5.17 | 2.02 |
| Financing Profit | -1.22 | -1.34 | -1.11 | 1.64 | -0.52 | -0.67 | -1.45 | -0.36 | -0.89 | -1.24 | -1.28 | -1.83 | -0.33 |
| Financing Margin % | -45.35% | -41.23% | -36.63% | 32.03% | -12.94% | -17.36% | -41.08% | -10.32% | -22.53% | -37.46% | -40.89% | -45.19% | -12.94% |
| Other Income | 0.27 | 0.95 | 0.87 | 1.21 | 0.22 | 1.30 | -0.76 | 0.03 | 0.17 | 0.10 | 0.51 | 0.32 | 0.27 |
| Depreciation | 0.11 | 0.12 | 0.12 | 0.13 | 0.09 | 0.16 | 0.13 | 0.13 | 0.12 | 0.13 | 0.13 | -0.15 | 0.06 |
| Profit before tax | -1.06 | -0.51 | -0.36 | 2.72 | -0.39 | 0.47 | -2.34 | -0.46 | -0.84 | -1.27 | -0.90 | -1.36 | -0.12 |
| Tax % | 0.00% | 0.00% | 0.00% | -0.37% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -0.79% | 1.11% | 2.94% | 0.00% |
| Net Profit | -1.07 | -0.50 | -0.36 | 2.73 | -0.39 | 0.47 | -2.34 | -0.46 | -0.84 | -1.26 | -0.91 | -1.40 | -0.12 |
| EPS in Rs | -0.22 | -0.10 | -0.07 | 0.56 | -0.08 | 0.09 | -0.44 | -0.09 | -0.16 | -0.23 | -0.17 | -0.25 | -0.02 |
| Gross NPA % | |||||||||||||
| Net NPA % |
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 13.23 | 15.82 | 19.30 | 17.23 | 17.89 | 7.56 | 15.32 | 15.72 | 11.71 | 14.62 | 15.41 | 14.43 | 13.04 |
| Interest | 0.37 | 0.72 | 0.73 | 0.94 | 2.30 | 2.74 | 3.37 | 4.72 | 5.60 | 4.73 | 3.63 | 3.41 | 3.14 |
| Expenses | 13.48 | 15.60 | 17.40 | 14.93 | 15.45 | 13.44 | 15.08 | 13.41 | 15.24 | 11.38 | 14.28 | 16.26 | 14.58 |
| Financing Profit | -0.62 | -0.50 | 1.17 | 1.36 | 0.14 | -8.62 | -3.13 | -2.41 | -9.13 | -1.49 | -2.50 | -5.24 | -4.68 |
| Financing Margin % | -4.69% | -3.16% | 6.06% | 7.89% | 0.78% | -114.02% | -20.43% | -15.33% | -77.97% | -10.19% | -16.22% | -36.31% | -35.89% |
| Other Income | 0.98 | 0.45 | 0.53 | 0.37 | 0.80 | 0.56 | 0.86 | 0.84 | 0.32 | 2.76 | -1.77 | 1.10 | 1.20 |
| Depreciation | 0.52 | 0.41 | 0.34 | 0.86 | 0.45 | 0.66 | 0.59 | 0.57 | 0.49 | 0.47 | 0.50 | 0.23 | 0.17 |
| Profit before tax | -0.16 | -0.46 | 1.36 | 0.87 | 0.49 | -8.72 | -2.86 | -2.14 | -9.30 | 0.80 | -4.77 | -4.37 | -3.65 |
| Tax % | 37.50% | 0.00% | 10.29% | 5.75% | 8.16% | -1.49% | -1.75% | 0.00% | -0.11% | -1.25% | 13.42% | 0.92% | |
| Net Profit | -0.22 | -0.46 | 1.22 | 0.82 | 0.45 | -8.59 | -2.80 | -2.15 | -9.29 | 0.80 | -5.41 | -4.42 | -3.69 |
| EPS in Rs | -0.04 | -0.09 | 0.25 | 0.17 | 0.06 | -1.35 | -0.64 | -0.47 | -1.84 | 0.12 | -0.94 | -0.60 | -0.67 |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 7.0% | -1.0% | -1.0% |
| Profit CAGR | 19.0% | 2.0% | – |
Shareholding Pattern
Promoters56.00%
Public44.00%
Promoters56.00%
Public44.00%
Promoters54.85%
Public45.15%
Promoters53.99%
Public46.00%
Promoters53.99%
Public46.02%
Promoters61.81%
Public38.21%
Promoters61.84%
Public38.15%
Promoters56.00%
Public44.00%
Promoters53.99%
Public46.00%
Promoters53.99%
Public46.02%
TFL
Holdings Analysis
Key strengths & risk signals
53
Overall
40
Fundamental
67
Technical
Risks (3)
Cannot calculate PEG - insufficient growth data.
WEAK YEAR! Stock declined 16.0% in the last year.
LOWER HALF! Trading at 24.1% of 52W range - weakness visible.
Strengths (3)
BREAKOUT! Stock has broken above resistance levels with momentum.
LOW VOLATILITY! Beta of 0.40 - stable stock, less market risk.
GOOD MOMENTUM! Price has grown across all timeframes - up 1.3% (1 week), 0.3% (1 month), 8.3% (3 months).
Fundamental & Technical Analysis
53Overall
40Fundamental
67Technical
Fundamental Breakdown
Growth Quality
13/30
Revenue CAGR: 10.2% (GOOD, 11/15). Profit CAGR: 0% (DECLINING, 2/15).
Profit Margin
2/10
LOW MARGIN! -31.2% profit margin - thin profits.
PEG Valuation
0/10
Cannot calculate PEG - insufficient growth data.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
Debt to Equity
10/10
VERY LOW DEBT! D/E of 0.00 - excellent financial health.
Public Holding
10/20
SIGNIFICANT PUBLIC HOLDING! 38.19% public ownership - moderate retail influence.
Stability Index
2/10
CAUTION! Company made loss in last quarter. Be careful.
Technical Breakdown
Moving Averages
5/10
BEARISH TREND! 50-day average (11.8) is below 200-day average (12.5) - negative signal.
Price Position
6/10
MIXED POSITION! Current price (12.2) above 50-day but below 200-day.
Trend Pattern
20/20
BREAKOUT! Stock has broken above resistance levels with momentum.
52W Performance
2/10
WEAK YEAR! Stock declined 16.0% in the last year.
Volume Sentiment
20/30
BULLISH SENTIMENT! In last 30 days: 16 up days, 14 down days. Avg volume on up days: 9,402 vs down days: 9,117. Ratio: 1.03x
RSI
3/5
NEUTRAL! RSI at 55.7 - balanced momentum.
52W Range
2/5
LOWER HALF! Trading at 24.1% of 52W range - weakness visible.
Momentum
4/5
GOOD MOMENTUM! Price has grown across all timeframes - up 1.3% (1 week), 0.3% (1 month), 8.3% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.40 - stable stock, less market risk.
Peer Comparison
Financial Services · Mortgage Finance · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| TFL | ₹12.20 | – | -31.2% | 10.2% | – | -16.0% | 53 | BREAKOUT | -88.9% | -92.9% | -35.9% | -37.5% |
| RHFL | ₹1.50 | 3.2 | – | -89.6% | – | -57.5% | 37 | BOUNCE FROM SUPPORT | – | – | – | – |
| SRGHFL | ₹111.70 | 5.1 | 27.7% | 31.0% | 24.0% | -63.6% | 65 | BREAKDOWN | +25.0% | -7.6% | +33.1% | -5.6% |
| GICHSGFIN | ₹131.80 | 4.5 | 43.6% | -1.0% | -10.1% | -22.9% | 47 | APPROACHING RESISTANCE | +36.5% | -81.2% | +0.7% | -2.0% |
| GRANDOAK | ₹35.00 | – | -8.1% | – | – | -12.3% | 35 | CONSOLIDATING DOWN | +5.5% | -203.4% | – | – |
| REPCOHOME | ₹340.80 | 4.4 | 56.8% | 44.9% | 14.6% | -16.4% | 73 | APPROACHING SUPPORT | +5.6% | -10.1% | +6.8% | +2.5% |
| INDIASHLTR | ₹620.60 | 13.1 | 48.0% | 37.8% | 48.0% | -27.8% | 55 | BREAKDOWN | +20.0% | +2.1% | +22.1% | +5.3% |
| AAVAS | ₹1,195.20 | 13.9 | 42.5% | 18.8% | 15.1% | -24.1% | 68 | CONSOLIDATING DOWN | +23.1% | -5.7% | +12.2% | +2.4% |
Data from TradeAlone · Updated daily
