Transwarranty Finance Ltd
₹ 22.2
-1.64%
24 Dec
- close price
About
Incorporated in 1994, Transwarranty Finance Ltd is an NBFC engaged in lending and advisory services
Key Points
- Market Cap ₹ 114 Cr.
- Current Price ₹ 22.2
- High / Low ₹ 40.6 / 9.05
- Stock P/E 78.3
- Book Value ₹ 7.45
- Dividend Yield 0.00 %
- ROCE 6.68 %
- ROE 1.05 %
- Face Value ₹ 10.0
Pros
- Debtor days have improved from 214 to 136 days.
Cons
- Stock is trading at 2.98 times its book value
- Company has low interest coverage ratio.
- Promoter holding has decreased over last quarter: -5.53%
- The company has delivered a poor sales growth of -10.9% over past five years.
- Company has a low return on equity of -13.9% over last 3 years.
- Earnings include an other income of Rs.3.03 Cr.
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Peer comparison
Sector: Finance Industry: Finance & Investments
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Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 14.30 | 8.80 | 7.92 | 10.01 | 11.84 | 9.61 | 10.61 | 1.42 | 6.82 | 6.72 | 3.84 | 5.97 | 6.42 | |
| 14.45 | 8.18 | 7.69 | 9.79 | 10.83 | 8.39 | 8.51 | 3.58 | 7.60 | 5.56 | 7.75 | 3.81 | 3.76 | |
| Operating Profit | -0.15 | 0.62 | 0.23 | 0.22 | 1.01 | 1.22 | 2.10 | -2.16 | -0.78 | 1.16 | -3.91 | 2.16 | 2.66 |
| OPM % | -1.05% | 7.05% | 2.90% | 2.20% | 8.53% | 12.70% | 19.79% | -152.11% | -11.44% | 17.26% | -101.82% | 36.18% | 41.43% |
| -0.03 | 0.10 | 0.17 | 0.05 | 0.01 | -0.21 | 0.22 | 0.26 | 0.12 | 0.50 | 0.03 | 2.55 | 3.03 | |
| Interest | 0.58 | 0.37 | 0.15 | 0.07 | 0.08 | 0.27 | 1.90 | 2.29 | 2.66 | 3.81 | 4.60 | 4.14 | 4.01 |
| Depreciation | 0.16 | 0.13 | 0.08 | 0.06 | 0.05 | 0.61 | 0.24 | 0.27 | 0.21 | 0.21 | 0.22 | 0.22 | 0.22 |
| Profit before tax | -0.92 | 0.22 | 0.17 | 0.14 | 0.89 | 0.13 | 0.18 | -4.46 | -3.53 | -2.36 | -8.70 | 0.35 | 1.46 |
| Tax % | 19.57% | 0.00% | 35.29% | 0.00% | 15.73% | 38.46% | 16.67% | -2.91% | -1.42% | 0.00% | 0.00% | 0.00% | |
| -1.09 | 0.23 | 0.11 | 0.14 | 0.74 | 0.08 | 0.14 | -4.33 | -3.48 | -2.36 | -8.70 | 0.35 | 1.46 | |
| EPS in Rs | -0.22 | 0.05 | 0.02 | 0.03 | 0.15 | 0.02 | 0.03 | -0.89 | -0.71 | -0.48 | -1.78 | 0.07 | 0.29 |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | -4% |
| 5 Years: | -11% |
| 3 Years: | -4% |
| TTM: | 40% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 3% |
| 5 Years: | 20% |
| 3 Years: | 28% |
| TTM: | 119% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 14% |
| 5 Years: | 38% |
| 3 Years: | 52% |
| 1 Year: | 79% |
| Return on Equity | |
|---|---|
| 10 Years: | -5% |
| 5 Years: | -15% |
| 3 Years: | -14% |
| Last Year: | 1% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Sep 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 24.46 | 24.46 | 24.46 | 24.46 | 24.46 | 24.46 | 24.46 | 24.46 | 24.46 | 24.46 | 48.46 | 48.89 | 53.69 |
| Reserves | 32.17 | 32.40 | 32.50 | 32.64 | 33.38 | 8.40 | 3.25 | -1.08 | -4.59 | -6.93 | -15.63 | -15.30 | -13.71 |
| 3.99 | 3.20 | 2.47 | 0.91 | 5.80 | 12.34 | 17.71 | 19.26 | 37.34 | 36.88 | 31.03 | 36.90 | 37.00 | |
| 1.17 | 1.04 | 0.74 | 0.72 | 0.91 | 2.52 | 2.81 | 3.96 | 5.58 | 7.47 | 1.71 | 2.04 | 1.51 | |
| Total Liabilities | 61.79 | 61.10 | 60.17 | 58.73 | 64.55 | 47.72 | 48.23 | 46.60 | 62.79 | 61.88 | 65.57 | 72.53 | 78.49 |
| 0.54 | 0.39 | 0.29 | 0.23 | 0.17 | 9.07 | 8.84 | 8.60 | 8.38 | 8.18 | 7.98 | 7.90 | 7.92 | |
| CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 14.14 | 28.45 | 33.18 | 34.08 | 33.27 | 15.24 | 15.27 | 15.28 | 14.71 | 14.72 | 14.23 | 15.62 | 20.07 |
| 47.11 | 32.26 | 26.70 | 24.42 | 31.11 | 23.41 | 24.12 | 22.72 | 39.70 | 38.98 | 43.36 | 49.01 | 50.50 | |
| Total Assets | 61.79 | 61.10 | 60.17 | 58.73 | 64.55 | 47.72 | 48.23 | 46.60 | 62.79 | 61.88 | 65.57 | 72.53 | 78.49 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| -0.67 | 1.77 | 0.58 | 0.08 | -0.32 | -0.51 | -3.23 | 0.13 | -15.00 | 4.27 | -9.53 | -4.32 | |
| 5.78 | -0.79 | 0.29 | -0.27 | 0.48 | -0.61 | 0.10 | -0.04 | 0.62 | -0.02 | 0.26 | -1.51 | |
| -5.14 | -1.16 | -0.89 | -0.10 | -0.20 | 1.17 | 3.92 | -0.68 | 14.21 | -4.33 | 13.84 | 2.25 | |
| Net Cash Flow | -0.03 | -0.18 | -0.02 | -0.30 | -0.04 | 0.06 | 0.79 | -0.59 | -0.18 | -0.07 | 4.58 | -3.58 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 12.51 | 17.84 | 9.68 | 7.29 | 4.62 | 6.08 | 188.18 | 1,406.02 | 294.89 | 296.56 | 211.02 | 135.73 |
| Inventory Days | 0.00 | 0.00 | 0.00 | 0.00 | 3.01 | 17.20 | 4.47 | 0.00 | 0.00 | |||
| Days Payable | 0.00 | 0.00 | 3.19 | |||||||||
| Cash Conversion Cycle | 12.51 | 17.84 | 9.68 | 7.29 | 7.64 | 23.28 | 189.45 | 1,406.02 | 294.89 | 296.56 | 211.02 | 135.73 |
| Working Capital Days | 272.86 | 105.77 | 145.63 | 107.57 | 293.48 | 118.12 | 546.98 | 3,734.82 | 701.10 | 632.78 | 1,378.26 | 1,025.30 |
| ROCE % | -0.48% | 1.06% | 0.44% | 0.27% | 1.59% | 1.14% | 4.59% | -4.93% | -1.74% | 2.60% | -6.97% | 6.68% |
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Newspaper Publication
15 Nov - Company has published Unaudited Financial Statements for the quarter and half year ended September 30, 2024. Please take note of the same.
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Nil Statement Of Deviation For The Funds Raised In Preferential Issue
15 Nov - Statement confirming no deviation in preferential issue funds.
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Financial Results For The Quarter And Half Year Ended September 30, 2024
14 Nov - Approved financial results and resignation of CEO.
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Board Meeting Outcome for Outcome Of Board Meeting
14 Nov - Approved financial results and resignation of CEO.
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Board Meeting Intimation for Considering Quarterly Results And Issue Of Debentures On Private Placement Basis
11 Nov - Board meeting to approve financial statements and NCD issuance.
Annual reports
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Financial Year 2024
from bse
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Financial Year 2023
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Financial Year 2022
from bse
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Financial Year 2021
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Financial Year 2020
from bse
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Financial Year 2019
from bse
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Financial Year 2018
from bse
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
from bse
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Financial Year 2013
from bse
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Financial Year 2012
from bse
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Financial Year 2011
from nse
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Financial Year 2011
from bse
Concalls
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Nov 2022TranscriptNotesPPT
Business Overview:[1]
TFL has strong business association with large corporates and over 500 SME / MSMEs for 25+ yrs. It deals in trade finance, debt & equity & structured deals. Company has lending focused on niche social impact and Fintech segments with advisory business services for trade finance to investment banking. It operates though ~ 150 offices and ~ 20,000 registered clients. It also deals in third party products like Mutual funds, Bonds & Debentures and Fixed Deposits. TFL is IRDA approved corporate agency for life, general and medical insurance.