EN DE
Watch Transwarranty Finance Limited for free: we tell you when fair value or trend changes.
Data-driven stock valuation

Transwarranty Finance Limited (TFL) fair value: what the stock is really worth

As of Nov 9, 2026: fair value (intrinsic value) of Transwarranty Finance Limited stock ₹9.00, price ₹11.40, that is 21.1% below the price, quality 51 out of 100. Rating: overvalued. The value is an estimate: none of our valuation models currently carries, it draws on revenue and assets compared with similar companies. Updated daily.

  1. Keep an eye on it?Free in your watchlist: 5 stocks without an account, 10 with one Yes, for free

Financial Services IN · ISIN INE804H01012

TF Transwarranty Finance Limited logo Thin data Nov 10, 2026

Transwarranty Finance Limited

TFL · NSE
Solid, but expensive

Our calculation puts a fair price 21% below what the stock costs today.

Generates free cash flow
Quality 51/100
Mixed Growth (revenue 5y +3.3 %/yr in INR)
Moderate debt
Revenue last quarter 22% below a year ago.
Fair value ₹9.00 · Overvalued
Loss-making · -31.3% net margin (TTM)
Trails peers (1/11)
Narrow moat 12/100 · thin data
Thin data
Estimate⚠ Thinly traded
Watch Transwarranty Finance Limited for free: we tell you when fair value or trend changes. Watch for free

What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

₹38.68 ₹4.35 Fair Value ₹9.00 Jul 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 10, 2026.

How to read this chart

60‑month range ₹4.35 – ₹38.68 · fair‑value band ₹6.75 – ₹11.25 · the ₹11.40 price screens above the ₹9.00 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Nov 10, 2026.

Follow Transwarranty Finance in your weekly email

Every Wednesday you see whether Transwarranty Finance is on track or worth a review, plus price against fair value. Free, up to 3 stocks.

We send you a confirmation link. Unsubscribe with one click.

Which stocks are undervalued right now? Check free Discover now →

Company profile

Transwarranty Finance Limited, a non-banking finance company, provides financial services in India.

Show moreShow less

The company offers investment banking services, including private equity syndication, mergers and acquisitions, restructuring and structured funding; and corporate finance services, such as financial advice and execution to raise external commercial borrowings, rupee term loan, fund based, and non-fund based working capital finance, project finance, and structured finance.

It also provides trade finance services comprising letter of credit and clean bills discounting, factoring, inter corporate deposits, loans against property, loans against shares/promoter funding, import and export finance services; small and medium enterprise loans; margin funding; and personal finance for holiday, education, and other specific end use.

In addition, the company involved in retail stock broking, depository participation, institutional broking, arbitrage, distribution of mutual funds, IPO, and other financial products; manages initial public offers/follow on offers/rights issues and debt issues, placement of equity shares with QIP/private equity funds and preference shares, corporate restructuring, valuations of companies/enterprises/share, listing services on National Stock Exchange and Bombay Stock Exchange, buy back of shares, take over and offer for sale, ESOPs, and certifications.

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.

Stock analysis

Transwarranty Finance Limited (TFL) currently trades at ₹11.40, while our estimate is ₹9.00, 21% below the price, so the stock looks overvalued today.

Show more

Valuation

None of our valuation models currently carries for this company, usually because of losses or heavy investment. The estimate draws on revenue and assets compared with similar companies and is less precise than a model-based fair value.

Scenario range: ₹6.75 (bear) to ₹11.25 (bull), the price of ₹11.40 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 51/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Transwarranty Finance Limited reported revenue of ₹162M in FY2026 versus ₹127M in FY2022, a compound +6.2%/yr. Reported net income was −₹44.2M in FY2026.

Key figures

Market cap ₹622M (≈ $6.6M) Micro · P/S ratio 5.25 · EPS (TTM) ₹−0.6600 · Net margin −31.3% · Return on equity −13.9% · Return on assets (EBIT) −5.5% (5-year average) · Operating margin 2.7% · Revenue (TTM) ₹118M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 12 out of 100 (low confidence).

What moves the price

The share trades about 34% below its 52-week high and 10% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −1% fair-value upside, at −21%, TFL screens richer than that median.

Fair Value

Bear ₹6.75 Fair Value ₹9.00 Bull ₹11.25
Price ₹11.40 · Downside -21.1%
Estimate. None of our valuation models currently carries for this company, usually because of losses or heavy investment. The estimate draws on revenue and assets compared with similar companies and is less precise than a model-based fair value.

Quality Score breakdown

Overall quality 51/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 6
How much profit the company makes from its sales and capital
Quality Growth 86
Are margins and returns getting better?
Cashflow 86
Do the profits arrive as real cash?
Financial strength 33
Debt, balance sheet and risk of trouble
Investment 100
Does it invest with discipline instead of growing at any price?
Low Volatility 55
How calm the share price moves, does not count
Price momentum 35
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 17
Distance to the 52-week high, does not count
New shares 15
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

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. 42/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+28.5%
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.
+19.9%
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.
+3.3%
Start year 2021 (pandemic). Over 10 years: +0.6% a year
Revenue growth 18 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.
+4.3%
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.
−35.9% (2021) → −16.8% (2026)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2026 is a loss year, no rate is defined from a loss
not computed

Growth Forecast

A lot of optimism in the price
The price assumes more growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+20.5%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (India: IMF forecast 4.1% a year to 2030, 4.7% from 2016 to 2025) that is about +15.7% a year for the price.

TFL screens overvalued: fair value 21% below the price. Compare with Rocket Companies, Inc →

Compare Transwarranty Finance Limited with another stock

Price, fair value, quality and upside side by side.

Free, no sign-up

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.Mortgage Finance · 55 stocks

Beats the industry median on 1/10 measures
Overall it trails its industry peers.
Valuation
Quality Score 51 · Below median
Fair Value upside −21.1% · Below median
Profitability
Return on assets −6.9% · Bottom 25%
Net margin (12 months) −31.3% · Bottom 25%
Operating margin (12 months) 2.7% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) −22.3% · Bottom 25%
Balance sheet
Debt / equity 1.07× · Below median

Valuation Multiplesvs Mortgage Finance median · lower = cheaper

P/B 2.17× · Priciest 25%
P/S (12 months) 5.28× · Pricier than median
Price / free cash flow (fiscal year) 18.5× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)5 · sector 41
FUTURE (revenue growth)0 · sector 31
PAST (return on equity)0 · sector 32
HEALTH (low debt)47 · sector 2
DIVIDEND (yield)0 · sector 100

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Mortgage Finance stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
PennyMac Financial Services, Inc PFSI $62.85 $125.39 +100% vs TFL
LIC Housing Finance Limited LICHSGFIN ₹551.90 ₹1,040 +88% vs TFL
PNB Housing Finance Limited PNBHOUSING ₹1,111 ₹1,329 +20% vs TFL
Aadhar Housing Finance Limited AADHARHFC ₹433.35 ₹497.00 +15% vs TFL
Sammaan Capital Limited SAMMAANCAP ₹134.67 ₹133.69 −1% vs TFL
Walker & Dunlop, Inc WD $39.97 $32.07 −20% vs TFL
Bajaj Housing Finance Limited BAJAJHFL ₹81.16 ₹39.96 −51% vs TFL
Home First Finance Company HOMEFIRST ₹1,079 ₹226.97 −79% vs TFL
UWM Holdings UWMC $1.38 $0.2200 −84% vs TFL
Rocket Companies, Inc RKT $14.45 $1.79 −88% vs TFL

Explore undervalued stocks

More undervalued Financial Services stocks →

All undervalued stocks TechnologyFinancial ServicesHealthcareConsumer CyclicalConsumer DefensiveCommunication ServicesIndustrialsEnergyBasic MaterialsReal EstateUtilities Deeply Undervalued StocksUndervalued High-Quality StocksUndervalued Blue-Chip StocksUndervalued Small-Cap StocksUndervalued Dividend StocksUndervalued 52-Week Low StocksStocks for 2027: Large Companies Below Fair Value

Try a ready-made strategy

Pick a strategy and jump into the live analysis with that exact screen applied.

🥇 Backtested Best 🏆 Big Names 💎 Quality on Sale 🚀 Profitable Growth 🧊 Quality Compounders 💵 Dividend Stars 📈 Strong Momentum 📉 Fallen Angels ⚖️ Deeply Undervalued 🔍 Small-Cap Gems 🏰 Moat at a Fair Price 💼 Insider Buying 🎩 Buffett-Style Quality 📚 Peter Lynch GARP 🧮 Greenblatt Magic Formula 🛡️ Graham Defensive

Discover tools

Stock screenerFilter by region, size and sector Compare toolTwo stocks side by side Extrinsic Value Calculator…Free calculator Peter Lynch Fair Value Formula &…Free calculator
Run the numbers yourself: free valuation calculators
DCF CalculatorP/E Ratio CalculatorPEG Ratio CalculatorGraham NumberPeter Lynch FormulaDDM CalculatorIntrinsic ValueIntrinsic vs Extrinsic ValueP/E Ratio by Sector
For bloggers & editors: embed code + live data

For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.

Transwarranty Finance Limited: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Transwarranty Finance Limited Fair Value". https://www.fairvalue-calculator.com/stock/TFL

Frequently asked questions

Is Transwarranty Finance Limited (TFL) overvalued or undervalued?
As of Nov 10, 2026, our estimate of fair value is ₹9.00 versus a price of ₹11.40, about 21% lower (overvalued).
What is the fair value of TFL?
Our estimate for Transwarranty Finance Limited is ₹9.00 (as of Nov 10, 2026), built from audited fundamentals. The current price: ₹11.40.
What is the quality score of TFL?
Transwarranty Finance Limited has a Quality Score of 51/100. 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 (TFL)?
Our calculated price target is the estimate of ₹9.00 (as of Nov 10, 2026). Cautious scenario ₹6.75, optimistic scenario ₹11.25. It is an estimate from revenue and assets compared with similar companies, because none of our valuation models currently carries, not an analyst target.
What is the Transwarranty Finance Limited stock forecast for 2026?
Our estimate puts fair value at ₹9.00, about 21% lower versus a price of ₹11.40 (overvalued). Cautious scenario ₹6.75, optimistic scenario ₹11.25. The calculation is refreshed regularly with new filings.
What is the revenue of Transwarranty Finance Limited (TFL)?
Transwarranty Finance Limited reported trailing-twelve-month revenue of about ₹118M (latest available figure, as of Nov 10, 2026).
What growth is priced into Transwarranty Finance Limited (TFL)?
For today's price to be fair in a discounted-cash-flow model, Transwarranty Finance Limited would have to grow free cash flow by +20.5 % per year for five years (discount rate 10.9 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +3.3 % per year. As of Nov 10, 2026.
What discount rate (WACC) does the fair value of TFL use?
Our models discount Transwarranty Finance Limited at 10.9 %: a base by market capitalisation (nano), damped by beta 0.36, country premium for India. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Transwarranty Finance Limited that is +20.5 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (10.9 %) and the same formula as our fair value.
How much growth has Transwarranty Finance Limited (TFL) delivered so far?
Over the past 5 years revenue at Transwarranty Finance Limited grew +3.3 % a year. The price currently implies free-cash-flow growth of +20.5 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Transwarranty Finance Limited (TFL) growing?
The median revenue growth in the sector is +8.8 % a year. That is the yardstick for the growth priced into Transwarranty Finance Limited (+20.5 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Transwarranty Finance Limited (TFL)?
The free-cash-flow yield on the price is 5.40 %: that much free cash flow Transwarranty Finance Limited produces per unit of market value. When it exceeds the discount rate of our models (10.9 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Transwarranty Finance Limited (TFL)?
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 ₹9.00 per share (as of Nov 10, 2026), against a price of ₹11.40.
Is Transwarranty Finance Limited stock overvalued or undervalued in 2026?
As of Nov 10, 2026, TFL trades above its calculated fair value: price ₹11.40, fair value ₹9.00, a gap of about −21% (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 TFL?
No. The price is what the market pays today (₹11.40); the fair value is what the company's own numbers justify (₹9.00). For Transwarranty Finance Limited the two are ₹2.40 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 ₹622M (market capitalisation, as of Nov 10, 2026). Per share that is ₹11.40; our models calculate a fair value of ₹9.00 per share.
What do the bullish and bearish scenarios say about TFL?
Our models span a range for Transwarranty Finance Limited: cautious scenario ₹6.75, base ₹9.00, optimistic ₹11.25 per share (as of Nov 10, 2026, price ₹11.40). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Transwarranty Finance Limited (TFL)?
Balance-sheet figures for Transwarranty Finance Limited (as of Nov 10, 2026): return on equity −13.9%, debt of 1.07 per unit of equity. They feed the Quality Score of 51/100, which measures business quality independently of the share price.
How far is TFL from its 52-week high?
Transwarranty Finance Limited trades at ₹11.40, about 34% below its 52-week high of ₹17.29 and 10% above the low of ₹10.41 (as of Nov 9, 2026). Distance from the high says nothing about value: that is what the fair value of ₹9.00 is for.
Which stocks are comparable to Transwarranty Finance Limited?
From the same area (Financial Services) we also value Rocket Companies, Inc, Bajaj Housing Finance Limited, PennyMac Financial Services, Inc, LIC 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 Nov 10, 2026: price ₹11.40, calculated fair value ₹9.00 (−21%), Quality Score 51/100. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
Is it still worth investing in stocks now?
The global stock market currently sits 15.1% 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 (TFL)?
The closing price on Nov 9, 2026 was ₹11.40. Our estimate is ₹9.00, about 21% lower (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?
Solid but not exceptional quality (51/100) and above fair value, neither a clear bargain nor a standout compounder. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Transwarranty Finance Limited

How large is the market capitalisation of Transwarranty Finance Limited (TFL)?
The market capitalisation of Transwarranty Finance Limited is ₹622M (≈ $6.6M). 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 (TFL)?
The price-to-sales ratio of Transwarranty Finance Limited is 5.25 (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 (TFL)?
Earnings per share at Transwarranty Finance Limited are ₹−0.6600. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Transwarranty Finance Limited (TFL)?
The net margin of Transwarranty Finance Limited is −31.3% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Transwarranty Finance Limited (TFL)?
The return on equity (ROE) of Transwarranty Finance Limited is −13.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Transwarranty Finance Limited (TFL)?
On an EBIT basis the return on assets of Transwarranty Finance Limited is −5.5% (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 (TFL)?
The operating margin of Transwarranty Finance Limited is 2.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Transwarranty Finance Limited (TFL)?
Revenue at Transwarranty Finance Limited is growing −22.3% versus a year earlier (3y avg +19.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much net debt does Transwarranty Finance Limited (TFL) carry?
The net debt of Transwarranty Finance Limited is ₹290M (fiscal year 2026, ≈ 8.6 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
Free · no account needed

Watch Transwarranty Finance Limited in the live analysis

One click puts Transwarranty Finance Limited on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 27,000+ stock screener.

Watch for free →

Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.