Annual report
Announcement under Regulation 30 (LODR)-Newspaper Publication 6 Sep - Newspaper Publication regarding dispatch of Notice of 32nd Annual General Meeting along with Annual Report.
Source: Bse
Transwarranty Finance Limited (TFL)
Small CapFinancial Services stocks · Small cap · NSE
Transwarranty Finance Limited operates in Finance, within the Financial Services sector. Use the latest filing and company disclosures below to verify its revenue mix and current business drivers.
₹11.73
-0.48 · -3.93%
Market cap ₹64.6 Cr
Data qualityFresh enough for analysisQuote updated 19 Oct, 03:31 pm ISTDetails
Quote19 Oct, 03:31 pm IST
Base fundamentals06 Oct 2026 · screener
Latest result01 Aug, 12:31 am IST
Score20 Oct, 04:30 am IST · v4.3-runtime-valuation
Tags03 May 2026
Coverage12/14 · 86%
Valuation2026-07-20 · Rf 6.8% · Financial Services P/E 17.0 (n=243)
Technical timing lens
Trend score and candlestick chart
39BearishSMA20 -1.3% / mo · MACD −
Stock trend: 36
Sector RS: 44
Sector 3M: -5.8% vs Nifty 500 -5.6%
Financial Services FPI tailwindNot confirmed
Latest mapped FPI equity flow was not positive. View sector evidence
Technical chart
TFLD candles · FIT view-5.3%Latest close ₹11.73 on 2026-10-19
Bar
+0.5%
RSI
48
MACD hist
-0.00
52W pos
18%
2026-10-19O ₹11.67H ₹12.40L ₹11.67C ₹11.73Vol 4,177 sh
Up bar
Down bar
EMA 20
EMA 50
Volume + 20D avg
Result date
RSI(14)
MACD / signal
Market context
Relative performance and chart statistics
Adjusted completed-session prices, rebased to 100
TFLNifty Financial ServicesNifty 500
- TFL
- +9.5%
- Nifty 500
- -5.6%
- Nifty Financial Services
- -6.0%
- Vs Nifty 500
- +15.1 pp
Chart stats
19 Oct 2026- From 52W high
- -36.6%
- 52W range position
- 18%
- ATR (14)
- 6.0%
- Volume vs 20D
- 0.46x
- Avg traded value
- ₹0 Cr
- 20D price channel
- ₹10.8 - ₹12.5
₹18.5
₹10.2 - ₹18.5
₹0.7
Latest completed session
20-session average
35.2% annualized volatility
Research snapshot
What the evidence says now
Weak fundamentals, management evidence is still limited to a financial-only Trust Lite signal, price trend argues for patience, and recent execution is weak.
Suggested next step
Verify management risk first
Do not let cheap valuation override weak Trust or governance evidence.
U-Score
Legacy · OVERVALUED8
Fundamental lens: valuation, quality, growth, balance sheet, and cash flow.
Latest result
Bad0
Revenue -35.4% · PAT NDF YoY
Technical
Bearish39
Price trend and sector-relative-strength timing.
Valuation
Legacy model—
Legacy margin-of-safety estimate; the revised evidence label remains in shadow validation.
Trust
Limited evidence47
Financial-only signal; management claim evidence is not sufficient yet.
Financials
Fundamentals, quarterly history, margins, returns and balance-sheet evidence
Financials
Fundamentals, quarterly history, margins, returns and balance-sheet evidence
Latest result
Quarter ended 30 Jun 2026
Bad · 0/100Rev -35% YoY
Filed 31 Jul 2026
Open results browser →| Metric | This quarter | YoY | QoQ |
|---|---|---|---|
| Revenue | ₹2.6 Cr | -35.4% | -37.0% |
| EBITDA | NDF | NDF | NDF |
| Operating margin | NDF | NDF | NDF |
| PAT | ₹-0.1 Cr | NDF | NDF |
| PAT margin | -4.7% | +1656 bps | +2986 bps |
NDF means not disclosed in the current structured filing feed. It is intentionally not treated as zero.
Fundamentals
Valuation
- P/E
- —
- P/B
- 2.25
- EV/EBITDA
- 560.47
- Market Cap
- 64.60Cr
Profitability
- ROE
- -9.32%
- ROCE
- -0.38%
- ROA
- -5.77%
- Dividend Y
- —
Growth (CAGR)
- Revenue 5Y
- -1.00%
- EPS 5Y
- 2.00%
- Revenue 3Y
- 7.00%
- EPS 3Y
- 19.00%
Balance Sheet
- Debt/Equity
- 1.07
- Interest Coverage
- —
- Altman Z
- 0.68
- Book Value
- 5.20
Cash Flow
- FCF Yield
- 18.54%
- FCF Positive Y
- 5/5
- OCF
- 14.89 Cr
- EPS TTM
- -0.67
Shareholding
- Promoter Hold
- 53.99%
- Promoter Pledge
- 47.20%
- Momentum 52W
- 18%
Financial History
Updated 20/10/2026
Revenue
₹ CrLatest: 19.0+533.3% vs prev
Net Profit
₹ CrLatest: -4.4+18.3% vs prev
Return on Equity
%Latest: -15.4+11.4% vs prev
Technicals
Trend interpretation, Stage 2, relative strength, volume and indicator evidence
Technicals
Trend interpretation, Stage 2, relative strength, volume and indicator evidence
Daily technical trend read
Bearish setupTrend is weak — long-term trend down. RSI 48.
- Price below SMA200 (long-term downtrend) — short-term bounces likely countertrend.
- SMA20 falling (~1.3% over last month) — short-term momentum negative.
- RSI(14) at 48 — sideways, no extreme reading.
- MACD below signal but histogram contracting — bearish momentum easing.
- 37% off 52W high · 15% above 52W low.
Mechanical read from the price + indicator series above. Not a recommendation — technical setups can reverse without warning, especially around earnings and macro events.
Valuation & peers
U-Score 8 · legacy U-Score band OVERVALUED · valuation evidence and comparable companies
Valuation & peers
U-Score 8 · legacy U-Score band OVERVALUED · valuation evidence and comparable companies
Distress Watch
Fundamental score breakdown
U band · OVERVALUEDValuation2/30
Growth4/25
Quality0/20
Balance Sheet0/15
Cash Flow8/10
Piotroski
3/9 (+1)
Penalties
-7
Raw sum
8
Why this score?
Top U-Score contributors and drags from the latest stored fundamentals.
8/100 · legacy band OVERVALUED
Positive drivers
- FCF yield is supportive at 18.5%.
- Cash flow contributes 8/10 to the score.
- Growth contributes 4/25 to the score.
Main drags
- Altman Z is 0.7, in distress territory.
- Promoter pledge is 47.2%.
- Penalty bucket subtracts 7 points.
Sector valuation model
NBFC valuation: P/B, ROA, borrowing cost, and asset quality
Lenders can look optically cheap before credit losses emerge, so valuation is tied to book quality.
Primary lens
P/B adjusted for ROA/ROE and leverage quality.
Secondary checks
AUM growth, spreads, credit cost, liquidity and ALM risk.
Main risk check
Fast growth with weak asset quality deserves a discount.
PE
—
PB
2.3
EV/EBITDA
560.5
ROE
-9.3%
ROCE
-0.4%
FCF Yield
18.5%
Debt/Equity
1.1
MoS
—
Score movement
Stored run vs live recompute
This shows the stored score trend when snapshots exist, and also compares the latest stored nightly score with a live recompute from current fundamentals and price.
Stored run: 20 Oct 2026
v4.3-runtime-valuation
Final score
8
Previous: 8
Legacy U-Score band
OVERVALUED
Previous: OVERVALUED
Margin of safety
—
No stored baseline yet
Score history
12 stored score snapshots. Latest stored move: +0 points.
20 Oct 2026
v4.3-runtime-valuation
8
8
8
8
8
8
8
8
8
8
8
8
Factor attribution
No pillar movement versus the latest stored run. Historical score trend will appear after snapshot storage is enabled.
Modelled fair value
Graham Number
—
Growth-justified P/E
8.8
Growth-justified Value
—
— MoS
PEG
—
Comparable companies
Peers
Business-comparable peers in Financial Services — ranked by industry, sub-sector, theme-tag overlap, market cap, and U-Score similarity. Green cells mark the best available peer metric in this table.
Ticker
Name
Why peer
Score
PE
ROE
MoS
Verdict
TRU
Small
TruCap Finance Limited
NBFC / Capital Markets / Insurance
match 157
11
—
-101.0%
—
OVERVALUED
TCIFINANCE
Small
TCI Finance Limited
NBFC / Capital Markets / Insurance
match 153
12
—
—
—
OVERVALUED
NAGREEKCAP
Small
Nagreeka Capital & Infrastructure Limited
NBFC / Capital Markets / Insurance
match 150
68
4.5
29.8%
+83%
UNDERVALUED
MAHAPEXLTD
Small
Maha Rashtra Apex Corporation Limited
NBFC / Capital Markets / Insurance
match 148
16
52.1
0.4%
-3024%
OVERVALUED
RSDFIN
Small
RSD Finance Limited
NBFC / Capital Markets / Insurance
match 147
50
9.9
6.0%
+72%
FAIR VALUE
Business, management & trust
Growth engines, risks, management commitments and evidence-backed delivery
Business, management & trust
Growth engines, risks, management commitments and evidence-backed delivery
Business and thesis
Issuer presentation review pending
Transwarranty Finance Limited operates in Finance, within the Financial Services sector. Use the latest filing and company disclosures below to verify its revenue mix and current business drivers. The structured result feed currently covers the quarter ended 30 Jun 2026. Investor presentations and earnings-call PDFs will be added as issuer-backed evidence before management claims appear here.
Trust Score
47Limited evidence · low confidenceTrust Lite
Trust asks: does management behaviour match later outcomes? Higher is better, but confidence and evidence depth matter as much as the number.
Limited evidence: Claim history is still being built. It ranks around the 4th percentile of the scored universe and 6th percentile within Financial Services. Main check: promoter alignment is weak at 27/100.
This is a financial-behaviour screen, not a claim-tested management reliability verdict.
Computed 05 Sept 2026
management-trust-v1
5 docs text-extracted · 0 concalls text-extracted
Score band
Limited evidence
Financial behaviour is scored, but management claims do not yet have enough outcome checks.
Relative rank
4th percentile
overall median 67 · Financial Services: 6th pctile, median 62 · Small: 5th pctile, median 66
Evidence depth
Financial-only
5 documents have extracted text, but claim history is not strong enough yet.
Claim delivery
Outcome history still building
0 claims extracted · No contradicted claim yet
How to read this Trust Score
Limited evidence · low confidenceWhat it measures
Reliability of management and financial delivery, using financial behaviour only.
Confidence
Treat this as an early read until more concalls and outcomes are matched.
Investor use
Needs extra due diligence; demand valuation comfort and recent improvement.
Read Trust alongside U-Score, result consistency, and technical trend. A cheap stock with weak Trust needs a larger margin of safety; a high Trust score does not make an expensive stock attractive by itself.
Forensic breakdown
Read low sub-scores as due-diligence warnings, not automatic sell signals.
Promoter
27
weak · holding, pledge, alignment
Cash flow
89
strong · profit to cash conversion
Balance sheet
35
weak · leverage and solvency
Discipline
40
weak · capital discipline
Results
29
weak · quarterly consistency
Trust positives
- ▸FCF yield is 17.6%.
- ▸5 years of positive FCF.
Trust risks
- ▸Promoters have pledged 47.2% of holding.
- ▸Altman Z is 0.74.
- ▸2 latest quarters had PAT decline worse than 25% YoY.
- ▸Promoter holding fell 2%.
Trust Lite uses financial behaviour only. Prefer claim-tested Trust when enough concall claims have later outcomes.
Continue researching Transwarranty Finance Limited
Important announcements & filings
Latest exchange and company disclosures found within the past two years.
Open source ↗
Annual report
Reg. 34 (1) Annual Report. 4 Sep
Source: Bse
Announcement
Announcement under Regulation 30 (LODR)-Newspaper Publication 1 Aug
Source: Bse
Annual report
Annual Report 2026
Source: Bse
Annual report
Annual Report 2025
Source: Bse
All information is for study purposes only. For investment decisions, consult your financial advisor. See Playbook for methodology.