TFL

Transwarranty Finance Limited

Digital lending NBFC offering small-ticket digital loans

Financial Services›Financial Services›Finance›Non Banking Financial Company (NBFC)

transwarranty.com(opens the company website in a new tab)
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Key metrics

Price as of 2026-10-16

Stock price
₹12.21
Market cap
67 Cr
Stock P/E
Loss (TTM EPS ₹-0.63)
P/B
2.35
ROE (FY26)
-15.4%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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Compare with peers

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What you need to know

TFL (Transwarranty Finance) is a Mumbai-based non-banking finance company that lends small-ticket, short-tenure digital loans, including to micro-entrepreneurs and small businesses, directly and through partner platforms.

Company snapshot

55thBy market cap

Ranked among 58 companies in Non Banking Financial Company (NBFC).

What we see

Concerns
  • ✗Net margin is negative — the company is spending more than it earns right now.
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Statement tables · Consolidated

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricSept 2023Dec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Net Interest Income-0.32 Cr-0.26 Cr0.62 Cr-0.07 Cr——1 Cr0.39 Cr0.29 Cr-0.06 Cr0.80 Cr0.57 Cr
Other income0.95 Cr0.86 Cr1 Cr0.22 Cr1 Cr-0.76 Cr0.03 Cr0.17 Cr0.10 Cr0.51 Cr1 Cr0.27 Cr
Net operating income0.63 Cr0.61 Cr2 Cr0.15 Cr1 Cr-0.76 Cr1 Cr0.56 Cr0.38 Cr0.45 Cr2 Cr0.84 Cr
Employee cost1 Cr1 Cr1 Cr1 Cr1 Cr1 Cr1 Cr1 Cr1 Cr1 Cr1 Cr0.72 Cr
Other expenses2 Cr2 Cr1 Cr2 Cr2 Cr3 Cr-1 Cr0.99 Cr1 Cr1 Cr2 Cr0.54 Cr
Provisions & contingencies————————————
Depreciation0.12 Cr0.12 Cr0.13 Cr0.09 Cr0.16 Cr0.13 Cr0.13 Cr0.12 Cr0.13 Cr0.13 Cr-0.15 Cr0.06 Cr
Profit before tax-0.50 Cr-0.36 Cr3 Cr-0.39 Cr0.47 Cr-2 Cr-0.46 Cr-0.84 Cr-1 Cr-0.90 Cr-1 Cr-0.12 Cr
Tax %0.0%0.0%-0.1%0.0%0.0%0.0%-138.8%-1.8%0.7%-0.9%-3.3%0.0%
Net profit-0.50 Cr-0.36 Cr3 Cr-0.39 Cr0.47 Cr-2 Cr-1 Cr-0.86 Cr-1 Cr-0.91 Cr-1 Cr-0.12 Cr
EPS (₹)₹-0.21₹-0.07₹0.98₹-0.08₹0.09₹-0.45₹-0.61₹-0.16₹-0.23₹-0.17₹-0.26₹0.02

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income—————-2 Cr-3 Cr-0.34 Cr0.98 Cr1 CrSign in free for the trailing twelve months
Other income2 Cr2 Cr1 Cr2 Cr2 Cr2 Cr1 Cr3 Cr0.84 Cr2 CrSign in free for the trailing twelve months
Net operating income2 Cr2 Cr1 Cr2 Cr2 Cr-0.44 Cr-1 Cr3 Cr2 Cr3 CrSign in free for the trailing twelve months
Employee cost4 Cr4 Cr4 Cr4 Cr4 Cr4 Cr4 Cr4 Cr5 Cr6 CrSign in free for the trailing twelve months
Other expenses7 Cr7 Cr7 Cr9 Cr6 Cr6 Cr11 Cr7 Cr4 Cr5 CrSign in free for the trailing twelve months
Provisions & contingencies——————————Sign in free for the trailing twelve months
Depreciation0.34 Cr0.86 Cr0.45 Cr0.66 Cr0.59 Cr0.57 Cr0.49 Cr0.47 Cr0.50 Cr0.23 CrSign in free for the trailing twelve months
Profit before tax1 Cr0.87 Cr0.50 Cr-9 Cr-3 Cr-2 Cr-9 Cr0.80 Cr-5 Cr-4 CrSign in free for the trailing twelve months
Tax %10.3%5.3%8.4%1.5%1.9%0.0%0.1%-0.4%-13.3%-1.0%Sign in free for the trailing twelve months
Net profit1 Cr0.82 Cr0.45 Cr-9 Cr-3 Cr-2 Cr-9 Cr0.80 Cr-5 Cr-4 CrSign in free for the trailing twelve months
EPS (₹)₹0.50₹0.34₹0.19₹-0.35₹-1.28₹-0.87₹-3.38₹0.16₹-0.97₹-0.97Sign in free for the trailing twelve months
Dividend payout %———————0.0%——Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital24 Cr24 Cr24 Cr24 Cr24 Cr24 Cr48 Cr49 Cr54 Cr55 Cr
Reserves31 Cr7 Cr7 Cr-5 Cr-8 Cr-10 Cr-19 Cr-19 Cr-23 Cr-26 Cr
Borrowings8 Cr16 Cr—23 Cr43 Cr43 Cr40 Cr38 Cr41 Cr31 Cr
Other liabilities15 Cr14 Cr41 Cr16 Cr31 Cr41 Cr32 Cr26 Cr24 Cr5 Cr
Total liabilities85 Cr67 Cr73 Cr62 Cr94 Cr103 Cr106 Cr99 Cr100 Cr64 Cr
Fixed assets (net)0.90 Cr10 Cr9 Cr9 Cr9 Cr9 Cr8 Cr8 Cr8 Cr8 Cr
CWIP———0 Cr0 Cr0 Cr—0 Cr0 Cr0 Cr
Investments20 Cr0.89 Cr0.89 Cr0.70 Cr0.05 Cr0.14 Cr0.15 Cr0.06 Cr0.10 Cr13 Cr
Loans & advances———11 Cr27 Cr26 Cr24 Cr27 Cr33 Cr22 Cr
Inventories0.06 Cr0.18 Cr0.07 Cr0.07 Cr0.07 Cr0 Cr0 Cr0 Cr0 Cr0 Cr
Trade receivables7 Cr7 Cr12 Cr6 Cr10 Cr12 Cr14 Cr9 Cr5 Cr0.12 Cr
Cash & bank3 Cr5 Cr6 Cr4 Cr6 Cr9 Cr15 Cr1 Cr1 Cr0.64 Cr
Other assets54 Cr45 Cr45 Cr31 Cr42 Cr47 Cr44 Cr53 Cr52 Cr20 Cr
Total assets85 Cr67 Cr73 Cr62 Cr94 Cr103 Cr106 Cr99 Cr100 Cr64 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity0.61 Cr0.43 Cr-2 Cr0.74 Cr-10 Cr16 Cr-12 Cr-15 Cr-5 Cr15 Cr
Cash from investing1 Cr-0.48 Cr-0.28 Cr0.24 Cr-5 Cr-8 Cr2 Cr7 Cr-0.23 Cr-3 Cr
Cash from financing-0.87 Cr2 Cr4 Cr0.46 Cr17 Cr-5 Cr16 Cr-6 Cr5 Cr-9 Cr
Net cash flow0.87 Cr2 Cr1 Cr1 Cr2 Cr3 Cr6 Cr-14 Cr0.08 Cr3 Cr
Free cash flow (OCF − Capex)0.54 Cr0.06 Cr-2 Cr0.16 Cr-10 Cr16 Cr-12 Cr-15 Cr-5 Cr15 Cr

Ratios

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %2.0%2.2%1.4%-36.1%-13.4%-11.5%-27.8%2.3%-15.4%-15.4%
Debt / equity0.150.510.001.152.603.011.201.111.321.07