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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
Transwarranty Finance Limited is an India-based non-deposit accepting non-banking finance company. The Company provides full financial and capital market services. It provides a range of services for large, small and medium companies. The Company is engaged in advisory…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A weak business.
Transwarranty Financial Services is scored on the nbfc / financials framework. It keeps a thin -30.6% of every rupee of sales as net profit.
Net worth has actually shrunk (-5%/yr) — value is not being built. Return on equity is a weak -6.5%.
It trades at -26× earnings. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | -26.09 | 11.61 | better |
| P/B | 2.32 | 1.4 | worse |
| EV/EBITDA | 128.94 | — | — |
| ROE | -6.55 | — | — |
| ROCE | 2.22 | — | — |
| ROA | -3.91 | — | — |
| Quick Ratio | 3.72 | — | — |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| Bajaj Finance | 30.6 | 5.5 | 17.6% |
| Bajaj Finserv | 13.6 | 3.5 | 12.7% |
| Shriram Finance | 17.8 | 2.0 | 11.4% |
Not applicable for this sector.
Revenue is on a 2-year growth streak. 10% CAGR over 3 years — steady double-digit compounder. Growth is decelerating — latest year grew slower than the year before.
3 of the 4 years shown had a loss — profitability is inconsistent.
Operating margin has expanded from -86% to -30% — the business is keeping more of each rupee earned.
Negative ROE — the business is destroying shareholder value. Capital efficiency improving — ROE up 12pp across the window.
3 of 4 years had negative operating cash flow — profitability on paper may not translate to cash.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue broadly flat QoQ — stable but not accelerating. Wide quarterly swings (37% spread) — likely seasonality, lumpy orders, or project-based revenue. Run-rate fading — recent quarters 29% below earlier ones.
4 of 4 quarters loss-making — quarterly profitability is uneven. Quarterly net margins are expanding (-29% → -4%) — profitability per rupee of revenue is improving.
P/E band unavailable — needs 5y of consistent EPS + price history.
Promoter holding at 54.0% — majority control intact.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.