Transwarranty Finance Limited (TFL) Fair Value & Analysis

Financial Services · IN · Market cap ₹655M

Below-average quality, and screening another 80% overvalued on our models.

What matters now

• The price sits above even our optimistic bull case (₹4.96). The favourable scenario is already priced in.
• The model range is unusually wide (₹0.4440 to ₹4.96). The outcome hinges heavily on assumptions, so read the point estimate with caution.
• Solid but not exceptional quality (47/100) and above fair value, neither a clear bargain nor a standout compounder.
• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 8, 2026.

How to read this chart

60‑month range ₹2.25 – ₹38.68 · fair‑value band ₹0.4440 – ₹4.96 · the ₹10.92 price screens above the ₹2.22 fair value. Dashed = 300-day average. As of Aug 8, 2026.

Full chart & analysis →

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Analysis

Transwarranty Finance Limited (TFL) currently trades at ₹10.92, while our model-based Fair Value estimate is ₹2.22, implying the stock looks roughly 79.7% overvalued today. The Quality Score stands at 47/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: medium).

Over the trailing twelve months, Transwarranty Finance Limited generated revenue of ₹128M at a net margin of -34.5%. Revenue grew 94.2% year over year. It earns a return on equity of -13.9%. Net debt stands at ₹290M. Fundamentals as of Aug 8, 2026

Our scenario range runs from ₹0.4440 (bear case) to ₹4.96 (bull case); at ₹10.92, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 49% below its 52-week high and 2% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -25% fair-value upside, at -80%, TFL screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Asset-Based (₹3.48) versus Growth DCF (₹2.03). Highest evidence: Growth DCF (80).

Key figures & financial health

Quality Score breakdown

About the company

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

Full company description

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

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2022 – FY2026 · reported fiscal years

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.

TFL screens 80% overvalued. Compare with Federal Home Loan Mortgage Corporation →

Peer Group

Mortgage Finance · 90 stocks

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.

Valuation Multiples vs Mortgage Finance median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 0: the price sits above our fair-value range.

Values & ESG

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

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.