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

As of Sep 24, 2026: fair value of Transwarranty Finance Limited ₹3.69, price ₹11.73, upside -68.5%, quality 47 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
  3. Add to watchlist

Financial Services · IN · ISIN INE804H01012

TF Thin data Sep 24, 2026

Transwarranty Finance Limited

TFL · NSE

Weakest SetupStrongly overvalued and low quality.

!Fair value ₹3.69 · Strongly overvalued (−69%)
!Quality 47/100
!Mixed Growth (revenue 5y +3.3 %/yr)
!Loss-making · -34.5% net margin (TTM)
✓Moderate debt · generates free cash flow
!Mixed vs. peers (4/10)
!Narrow moat 0/100
!Evidence only low, so the estimate is less certain
!The models disagree: range ₹0.7700 to ₹7.63
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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 ₹3.69 Jun 2021 Sep 2026

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 ₹4.35 – ₹38.68 · fair‑value band ₹0.7700 – ₹7.63 · the ₹11.73 price screens above the ₹3.69 fair value. Dashed = 300-day average. As of Sep 24, 2026.

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Company profile

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

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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.

Stock analysis

Transwarranty Finance Limited (TFL) currently trades at ₹11.73, while our model-based Fair Value estimate is ₹3.69, implying the stock looks roughly 217.9% overvalued today.

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Valuation

Bull case: the Asset-Based group reads highest at a median of ₹3.48 per share, and 0 of the 3 models we run sit above the ₹11.73 price.

Bear case: the Growth DCF group reads lowest at ₹2.47, and 3 of the 3 models stay below the price. Evidence for this calculation is low.

Scenario range: ₹0.7700 (bear) to ₹7.63 (bull), the price of ₹11.73 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 47/100 (below-average 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 ₹640M (≈ $6.7M) · P/S ratio 5.11 · EPS (TTM) ₹−0.8100 · Net margin −27.2% · Return on equity −13.9% · Return on assets (EBIT) −5.5% · Operating margin −15.1% · Revenue (TTM) ₹128M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).

What moves the price

The share trades about 32% below its 52-week high and 13% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at 17% fair-value upside, at −69%, TFL screens richer than that median.

Fair Value models

Bear ₹0.7700 Fair Value ₹3.69 Bull ₹7.63
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. 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.
Highest evidence
Growth DCF ₹1.64 ₹5.58 ₹11.50 72
Rev-Margin DCF n/a ₹2.47 ₹5.77 69
NCAV (Graham) ₹2.60 ₹3.48 ₹5.20 54
All 3 models by family
Asset-Based
NCAV (Graham) ₹2.60 ₹3.48 ₹5.20 54
Growth DCF
Growth DCF ₹1.64 ₹5.58 ₹11.50 72
Rev-Margin DCF n/a ₹2.47 ₹5.77 69

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Quality Score breakdown

Overall quality 47/100

Of which business quality 51 · Market factors (momentum, volatility) 32

Profitability 6
Margins and returns on capital today
Quality Growth 86
Are margins and returns improving?
Cashflow 86
Earnings quality: real cash, not paper profit
Fin. Strength 33
Balance sheet, leverage, solvency risk
Investment 100
Disciplined investing over empire-building
Low Volatility 53
Calm price path (market factor)
Momentum 28
Price trend over the last 3–12 months (market factor)
52W Momentum 15
Distance to the 52-week high (market factor)
Net Issuance 15
Share count: buybacks or dilution?

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).
+20.8%
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 +16.0% a year for the price.

TFL screens 218% overvalued. Compare with Federal Home Loan Mortgage Corporation →

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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.Mortgage Finance · 93 stocks

Beats the industry median on 4/9 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 49 · Below median
Fair Value upside −69% · Below median
Profitability
Return on assets −5% · Bottom 25%
Net margin (TTM) −34% · Bottom 25%
Operating margin (TTM) −15% · Bottom 25%
Growth and dividend
Revenue growth 94% · Top 25%
Balance sheet
Debt / equity 1.07× · Below median

Valuation Multiplesvs Mortgage Finance median · lower = cheaper

P/S (TTM) 0.05× · Cheapest 25%
P/FCF 0.2× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 8
FUTURE (revenue growth)100 · sector 100
PAST (return on equity)0 · sector 42
HEALTH (low debt)47 · sector 25
DIVIDEND (yield)0 · sector 98

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

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
Federal Home Loan Mortgage Corporation FMCCT $12.00 $24.00 +100%
Rocket Companies, Inc RKT $12.15 $3.23 −73%
Federal National Mortgage Association FNMAS $8.25 $2.01 −76%
Bajaj Housing Finance Limited BAJAJHFL ₹83.52 ₹24.32 −71%
PennyMac Financial Services, Inc PFSI $66.96 $125.45 +87%
UWM Holdings UWMC $1.26 $0.2100 −83%
LIC Housing Finance Limited LICHSGFIN ₹572.50 ₹1,145 +100%
PNB Housing Finance Limited PNBHOUSING ₹1,139 ₹1,330 +17%
Aadhar Housing Finance Limited AADHARHFC ₹454.55 ₹584.64 +29%
Walker & Dunlop, Inc WD $38.32 $32.25 −16%

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Transwarranty Finance Limited · Fair Value
₹3.69 −218%Fair Value
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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 Sep 24, 2026, our model estimates a fair value of ₹3.69 versus a price of ₹11.73, about −69% upside (overvalued).
What is the fair value of TFL?
Our model-based fair value for Transwarranty Finance Limited is ₹3.69 (as of Sep 24, 2026), built from audited fundamentals. The current price: ₹11.73.
What is the quality score of TFL?
Transwarranty Finance Limited has a Quality Score of 47/100. 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 model-based price target is the fair value of ₹3.69 (as of Sep 24, 2026) from 3 valuation models. Cautious scenario ₹0.7700, optimistic scenario ₹7.63. 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 ₹3.69, about −69% upside versus a price of ₹11.73 (overvalued). Cautious scenario ₹0.7700, optimistic scenario ₹7.63. 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 ₹128M (latest available figure, as of Sep 24, 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 +20.8 % 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 Sep 24, 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 0.12, 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 +20.8 % per year a year over ten years, 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 +20.8 % per year free-cash-flow growth a 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 +8.5 % a year. That is the yardstick for the growth priced into Transwarranty Finance Limited (+20.8 % per year a 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 5.24 %: 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 ₹3.69 per share (as of Sep 24, 2026), against a price of ₹11.73. It is the blended result of 3 valuation models (cash flow, earnings, asset, dividend).
Is Transwarranty Finance Limited stock overvalued or undervalued in 2026?
As of Sep 24, 2026, TFL trades above its calculated fair value: price ₹11.73, fair value ₹3.69, a gap of about −69% (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 (₹11.73); the fair value is what the company's own numbers justify (₹3.69). For Transwarranty Finance Limited the two are ₹8.04 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 ₹640M (market capitalisation, as of Sep 24, 2026). Per share that is ₹11.73; our models calculate a fair value of ₹3.69 per share.
What do the bullish and bearish scenarios say about TFL?
Our models span a range for Transwarranty Finance Limited: cautious scenario ₹0.7700, base ₹3.69, optimistic ₹7.63 per share (as of Sep 24, 2026, price ₹11.73). 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 Sep 24, 2026): return on equity −13.9%, debt of 1.07 per unit of equity. They feed the Quality Score of 47/100, which measures business quality independently of the share price.
How far is TFL from its 52-week high?
Transwarranty Finance Limited trades at ₹11.73, about 32% below its 52-week high of ₹17.29 and 13% above the low of ₹10.41 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of ₹3.69 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 ₹11.73, calculated fair value ₹3.69 (−69%), Quality Score 47/100, from 3 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 TFL calculated?
We run Transwarranty Finance Limited through 3 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 ₹3.69, 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 14.0 % 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 Sep 24, 2026 was ₹11.73. Our model-based fair value is ₹3.69, about −69% 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 (₹7.63). The favourable scenario is already priced in. The model range is unusually wide (₹0.7700 to ₹7.63). The outcome hinges heavily on assumptions, so read the point estimate with caution. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (47/100) and above fair value, neither a clear bargain nor a standout compounder.

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 ₹640M (≈ $6.7M). 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 5.11 (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 ₹−0.8100. 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 −27.2% (fiscal year 2026). 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 −15.1% (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 +94.2% 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.
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