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Transwarranty Finance (TFL) is loss-making over the last 12 months, losing ₹1.43 Cr, so a P/E ratio does not apply. Its share price on 6 Nov 2026 was ₹11.30, 39% below its 52-week high. For banks and lenders, ROCE and debt-to-equity are not used; it trades at 2.21× book value. It is a small-cap company with a market cap of ₹62 Cr, ranked 16th of 21 Mortgage Finance companies by market cap; the shares fell 12% over the past year.

As of 6 Nov 2026Prices are delayed about 15 minutes; fundamentals are from the quarter ended Jun 2026.How we calculate this

past year
Open
₹11.33
Day high
₹11.89
Day low
₹11.30
Prev. close
₹11.41
Volume
572

Health check

1 fair · 4 to check
  • ReturnsIn line

    −12.2% over a year, better than 4 of 7 peers.

  • Price tagLoss-making

    Earnings were negative over the last 12 months.

  • Growthn/a

    Not enough yearly results to measure.

  • ProfitabilityNegative

    ROE -8.2% vs peer median 14.3%.

  • Balance sheetLosing money

    Return on assets -3.37%. Bad-loan data isn’t covered.

  • Red flags4 to check

    Loss-making over the last twelve months.

Compared with 7 industry peers. Computed from reported figures. Educational, not a recommendation.

Mortgage Finance

20 listed peers. Screen the industry

Small cap

₹62 Cr, #16 of 21 in its industry by size.

Market sensitivity

Measuring against the NIFTY 50…

Key metrics

Last 12 months to Jun 2026: sales ₹10 Cr · profit ₹−1 Cr
Market cap
₹62 Cr
Small cap
P/E
n/a
Industry 12.2
Price to book
2.21
Peers 1.55
Dividend yield
0.00%
ROE
−8.2%
Peers 14.3%
ROCE
n/m
Not meaningful for lenders
Debt to equity
n/m
Not meaningful for lenders
EPS (TTM)
−₹0.67
Face value ₹10
OPM (TTM)
−33.2%
Net margin −14.5%
Sales growth
n/m
Not meaningful for lenders
Profit growth
n/a
Year-ago quarter not reported
Price to sales
6.33

Strengths and risks

Risks to check

  • Loss-making over the last twelve months.
  • Return on equity is low at −8.2%.
  • 39% below its 52-week high.
  • Promoter stake down from 56.0% to 54.0%.

No standout strengths in the headline numbers.

Derived automatically from reported figures. Not a recommendation.

About Transwarranty Finance

Transwarranty Finance Limited, a non-banking finance company, provides financial services in India. The company offers advisory services like investment banking, corporate finance, project finance, trade finance, and provides business and retail loans digitally both secured and unsecured. It serves small, medium, and large companies, as well as retail clients. Transwarranty Finance Limited was incorporated in 1994 and is headquartered in Mumbai, India.

Headquarters
Mumbai
Employees
42
Sector
Financial Services
ISIN
INE804H01012
Website
transwarranty.com

Price range

52 weeks

₹10.21₹18.50

Today

₹11.30₹11.89
Avg volume (3M)
11.2K
1-year return
minus 12.2%
From 52-week high
minus 38.9%

Peers · Mortgage Finance

Bank and NBFC columns

Compare with peersScreen the whole industry
Company
BAJAJHFLBajaj Housing Finance80.00minus 3.80%66,63223.72.7712.4%2.2%26.7%0.00%minus 24.1%
LICHSGFINLIC Housing Finance536.00plus 1.32%29,4835.00.6714.3%1.8%24.7%1.87%minus 7.8%
PNBHOUSINGPNB Housing Finance1,100.20plus 0.02%28,69412.21.4212.3%2.5%29.9%0.73%plus 18.1%
AADHARHFCAadhar Housing Finance429.65minus 1.96%18,83616.12.4815.8%–26.2%0.00%minus 13.9%
SAMMAANCAPSammaan Capital132.27minus 1.12%16,343–0.57−35.0%––0.00%minus 28.2%
HOMEFIRSTHome First Finance Company India1,090.90minus 1.13%11,40818.52.4414.3%4.0%33.3%0.48%minus 7.7%
CANFINHOMECan Fin Homes748.95plus 0.72%9,9738.61.5519.4%2.6%20.5%2.14%minus 13.7%
TFLTranswarranty Finance11.30minus 0.96%62–2.21−8.2%−3.4%–0.00%minus 12.2%
Median of 7 peers–−1.12%18,83614.21.5514.3%2.5%26.5%0.48%−13.7%

Quarterly results

Consolidated, ₹ crore
SalesSelect a row below to chart it
₹ CrJun 25Sep 25Dec 25Mar 26Jun 26
3.93.33.142.5
4.44.54.45.72.6
−0.4−1.2−1.3−1.7−0.1
−11.4%−36.0%−41.0%−42.0%−5.1%
0.10.10.510.1
0.10.10.1−0.20.1
−0.4−00−0.8−0
−0.8−1.3−0.9−1.4−0.1
−1.8%0.7%−0.9%−3.3%–
−0.9−1.3−0.9−1.4−0.1
-0.16-0.23-0.17-0.25-0.02

Profit & loss

Yearly, ₹ crore
ROE
−8.2%
Net profitSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
9.414.112.612.6
–+49.8%minus 10.4%minus 0.2%
16.518.717.618.6
−7.1−4.6−4.9−6
−75.1%−32.8%−39.0%−47.7%
2.55.92.82.1
0000
0.50.50.50.5
−4.20−2.10.1
−9.30.8−4.8−4.4
0.1%−0.4%−13.3%−1.0%
−90.8−5.1−3.3
-3.270.12-1.04-0.81

Forecast

Your assumptions, not a prediction

Balance sheet

At each financial year end, ₹ crore
Total assetsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
48.548.95455.1
−19.2−18.7−22.9−26.5
40.338.441.230.7
36.730.427.84.6
1069910064
8.48.38.27.6
28.637.133.819.5
15.51.43.76.7
53.752.254.430.1
1069910064

Cash flow

Yearly, ₹ crore
Cash from operationsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
−12.2−14.8−4.614.9
1.76.9−0.2−2.9
16.5−6.24.9−8.6
6−14.10.13.4
−0.1−0.2−0.2−0
−12.3−15−4.814.9

Shareholding pattern

Source: NSE filings
54.0%
promoters
  • Promoters53.99%
  • Public46.01%
  • As of 30 Sep 2026
QuarterSplitPromotersPublicPromoter change
30 Sep 202653.99%46.01%0.00
30 Jun 202653.99%46.01%0.00
31 Mar 202653.99%46.01%minus 0.85
31 Dec 202554.84%45.16%minus 1.16
30 Sep 202556.00%44.00%–

Major shareholders

NSE filing

Filings & events

News

No recent news coverage found.

My notes

Private to you