Transwarranty Finance Limited (532812) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of Transwarranty Finance Limited ₹6.69, price ₹11.06, upside -39.5%, quality 17 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range ₹2.06 – ₹38.75 · fair‑value band ₹4.99 – ₹9.99 · the ₹11.06 price screens above the ₹6.69 fair value. Dashed = 300-day average. As of Sep 24, 2026.
Transwarranty Finance Limited, a non-banking finance company, provides financial services to companies and retail clients in India.
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Transwarranty Finance Limited, a non-banking finance company, provides financial services to companies and retail clients in India. Its investment banking services comprise mergers and acquisitions, venture capital, private equity, international capital market, joint ventures, corporate advisory, and business re-structuring; and corporate finance services consist of structured finance, rupee/foreign currency loans, external commercial borrowing, working capital facilities from banks, acquisition and stressed assets finance, and debt re-structuring. The company's trade finance services comprise letter of credit and clean bills discounting, inter corporate deposits, unsecured working capital loans, and import and export finance; and project finance services include financial structuring, project report and financial feasibility studies, raising project equity, and raising rupee and foreign currency loans for projects. In addition, it offers retail loans against security of gold; and online personal and consumer loans. Further, the company provides retail stock broking and investment advisory services, depository participation, institutional broking, arbitrage, corporate restructuring, take over and offer for sale services, ESOPs, and certifications services, as well as listing services on National Stock Exchange and Bombay Stock Exchange, and buy back of shares; distributes mutual funds, IPO, and other financial products; manages initial public offers/follow on offers/rights issues and debt issues; places equity shares with QIP/private equity funds and preference shares; valuates companies/enterprises/shares; and online personal and consumer loans. Additionally, it is involved in the retail of commodities broking and insurance business. The company was founded in 1994 and is headquartered in Mumbai, India.
Stock analysis
Transwarranty Finance Limited (532812) currently trades at ₹11.06, while our model-based Fair Value estimate is ₹6.69, 39.5% below the price, so the stock looks overvalued today.
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Valuation
How firm this estimate is: it rests on 1 models at a data quality of 95/100, which puts the evidence level at low.
Scenario range: ₹4.99 (bear) to ₹9.99 (bull), the price of ₹11.06 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 17/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Transwarranty Finance Limited reported revenue of ₹149M in FY2025 versus ₹143M in FY2021, a compound +1.0%/yr. Reported net income was −₹54.1M in FY2025.
Key figures
Market cap ₹59.7M (≈ $620K) · P/S ratio 1.04 · EPS (TTM) ₹−0.4988 · Net margin −36.3% · Return on assets (EBIT) −1.0% · Operating margin −149% · Revenue (TTM) ₹57.6M · Revenue growth (YoY) +34.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 25 out of 100 (low confidence).
What moves the price
The share trades about 36% below its 52-week high and 6% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 21% fair-value upside, at −40%, 532812 screens richer than that median.
Fair Value models
Bear ₹4.99Fair Value ₹6.69Bull ₹9.99
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.44/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+5.8%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+0.3%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+17.7%
Start year 2020 (pandemic). Over 10 years: +1.7% a year
Revenue growth 11 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+1.1%
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Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
−114.7% (2020) → −13.3% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
Compare Transwarranty Finance Limited with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Other · 113 stocks
Beats the industry median on 3/8 measures
Overall it trails its industry peers.
Valuation
Quality Score16 · Bottom 25%
Fair Value upside−79.9% · Bottom 25%
Profitability
Return on assets0.0% · Above median
Net margin (TTM)−149.8% · Bottom 25%
Operating margin (TTM)−148.6% · Bottom 25%
Growth and dividend
Revenue growth34.9% · Top 25%
Balance sheet
Debt / equity0.96× · Highest 25%
Valuation Multiplesvs Other median · lower = cheaper
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Is Transwarranty Finance Limited (532812) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of ₹6.69 versus a price of ₹11.06, about −40% upside (overvalued).
What is the fair value of 532812?
Our model-based fair value for Transwarranty Finance Limited is ₹6.69 (as of Sep 24, 2026), built from audited fundamentals. The current price: ₹11.06.
What is the quality score of 532812?
Transwarranty Finance Limited has a Quality Score of 17/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Transwarranty Finance Limited (532812)?
Our model-based price target is the fair value of ₹6.69 (as of Sep 24, 2026) from 1 valuation models. Cautious scenario ₹4.99, optimistic scenario ₹9.99. It is a calculation from audited fundamentals, not an analyst target.
What is the Transwarranty Finance Limited stock forecast for 2026?
Our models put fair value at ₹6.69, about −40% upside versus a price of ₹11.06 (overvalued). Cautious scenario ₹4.99, optimistic scenario ₹9.99. The calculation is refreshed regularly with new filings.
What is the revenue of Transwarranty Finance Limited (532812)?
Transwarranty Finance Limited reported trailing-twelve-month revenue of about ₹57.6M (latest available figure, as of Sep 24, 2026).
What is the intrinsic value of Transwarranty Finance Limited (532812)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Transwarranty Finance Limited it is ₹6.69 per share (as of Sep 24, 2026), against a price of ₹11.06. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is Transwarranty Finance Limited stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 532812 trades above its calculated fair value: price ₹11.06, fair value ₹6.69, a gap of about −40% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 532812?
No. The price is what the market pays today (₹11.06); the fair value is what the company's own numbers justify (₹6.69). For Transwarranty Finance Limited the two are ₹4.37 per share apart. That gap is exactly why we show both numbers side by side.
How much is Transwarranty Finance Limited worth?
The market values Transwarranty Finance Limited at about ₹59.7M (market capitalisation, as of Sep 24, 2026). Per share that is ₹11.06; our models calculate a fair value of ₹6.69 per share.
What do the bullish and bearish scenarios say about 532812?
Our models span a range for Transwarranty Finance Limited: cautious scenario ₹4.99, base ₹6.69, optimistic ₹9.99 per share (as of Sep 24, 2026, price ₹11.06). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Transwarranty Finance Limited (532812)?
Balance-sheet figures for Transwarranty Finance Limited (as of Sep 24, 2026): debt of 0.96 per unit of equity. They feed the Quality Score of 17/100, which measures business quality independently of the share price.
How far is 532812 from its 52-week high?
Transwarranty Finance Limited trades at ₹11.06, about 36% below its 52-week high of ₹17.26 and 6% above the low of ₹10.46 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of ₹6.69 is for.
Which stocks are comparable to Transwarranty Finance Limited?
From the same area (Financial Services) we also value Federal Home Loan Mortgage Corporation, Rocket Companies, Inc, Federal National Mortgage Association, Bajaj Housing Finance Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Transwarranty Finance Limited stock attractive at the current price?
The data as of Sep 24, 2026: price ₹11.06, calculated fair value ₹6.69 (−40%), Quality Score 17/100, from 1 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 532812 calculated?
We run Transwarranty Finance Limited through 1 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of ₹6.69, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Transwarranty Finance Limited itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Transwarranty Finance Limited (532812)?
The closing price on Oct 1, 2026 was ₹11.06. Our model-based fair value is ₹6.69, about −40% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Transwarranty Finance Limited right now?
The price sits above even our optimistic bull case (₹9.99). The favourable scenario is already priced in. Weak quality (17/100) and above fair value at the same time, the margin of safety is missing on both counts. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. A fairly wide model range (₹4.99 to ₹9.99) leaves room in how you read the outcome.
Key figures of Transwarranty Finance Limited
How large is the market capitalisation of Transwarranty Finance Limited (532812)?
The market capitalisation of Transwarranty Finance Limited is ₹59.7M (≈ $620K). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Transwarranty Finance Limited (532812)?
The price-to-sales ratio of Transwarranty Finance Limited is 1.04 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Transwarranty Finance Limited (532812)?
Earnings per share at Transwarranty Finance Limited are ₹−0.4988. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Transwarranty Finance Limited (532812)?
The net margin of Transwarranty Finance Limited is −36.3% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the EBIT return on assets of Transwarranty Finance Limited (532812)?
On an EBIT basis the return on assets of Transwarranty Finance Limited is −1.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Transwarranty Finance Limited (532812)?
The operating margin of Transwarranty Finance Limited is −149% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Transwarranty Finance Limited (532812)?
Revenue at Transwarranty Finance Limited is growing +34.9% versus a year earlier (3y avg +0.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
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