Transwarranty Finance Ltd
₹ 22.2
-1.68%
22 Nov
- close price
About
Incorporated in 1994, Transwarranty Finance Ltd is an NBFC engaged in lending and advisory services
Key Points
- Market Cap ₹ 119 Cr.
- Current Price ₹ 22.2
- High / Low ₹ 40.6 / 9.05
- Stock P/E 48.7
- Book Value ₹ 6.84
- Dividend Yield 0.00 %
- ROCE 7.52 %
- ROE 1.95 %
- Face Value ₹ 10.0
Pros
Cons
- Stock is trading at 3.25 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 -4.06% over past five years.
- Company has a low return on equity of -15.9% over last 3 years.
- Earnings include an other income of Rs.3.60 Cr.
- Company has high debtors of 231 days.
- Working capital days have increased from 146 days to 514 days
* 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
Consolidated Figures in Rs. Crores / View Standalone
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 23.73 | 14.25 | 13.23 | 15.82 | 19.30 | 17.23 | 17.89 | 7.56 | 15.32 | 15.72 | 11.71 | 14.54 | 16.03 | |
| 25.50 | 15.13 | 13.48 | 15.60 | 17.40 | 14.93 | 15.45 | 13.44 | 15.08 | 13.41 | 15.24 | 11.38 | 12.38 | |
| Operating Profit | -1.77 | -0.88 | -0.25 | 0.22 | 1.90 | 2.30 | 2.44 | -5.88 | 0.24 | 2.31 | -3.53 | 3.16 | 3.65 |
| OPM % | -7.46% | -6.18% | -1.89% | 1.39% | 9.84% | 13.35% | 13.64% | -77.78% | 1.57% | 14.69% | -30.15% | 21.73% | 22.77% |
| 1.03 | 0.61 | 0.98 | 0.45 | 0.53 | 0.37 | 0.80 | 0.56 | 0.86 | 0.84 | 0.32 | 2.84 | 3.60 | |
| Interest | 0.88 | 0.52 | 0.37 | 0.72 | 0.73 | 0.94 | 2.30 | 2.74 | 3.37 | 4.72 | 5.60 | 4.73 | 4.31 |
| Depreciation | 0.64 | 0.51 | 0.52 | 0.41 | 0.34 | 0.86 | 0.45 | 0.66 | 0.59 | 0.57 | 0.49 | 0.47 | 0.50 |
| Profit before tax | -2.26 | -1.30 | -0.16 | -0.46 | 1.36 | 0.87 | 0.49 | -8.72 | -2.86 | -2.14 | -9.30 | 0.80 | 2.44 |
| Tax % | 20.35% | 0.00% | 37.50% | 0.00% | 10.29% | 5.75% | 8.16% | -1.49% | -1.75% | 0.00% | -0.11% | -1.25% | |
| -2.72 | -1.30 | -0.22 | -0.46 | 1.22 | 0.82 | 0.45 | -8.59 | -2.80 | -2.15 | -9.29 | 0.80 | 2.45 | |
| EPS in Rs | -0.56 | -0.27 | -0.04 | -0.09 | 0.25 | 0.17 | 0.06 | -1.35 | -0.64 | -0.47 | -1.84 | 0.12 | 0.50 |
| 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: | 0% |
| 5 Years: | -4% |
| 3 Years: | -2% |
| TTM: | 40% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 9% |
| 5 Years: | 14% |
| 3 Years: | 30% |
| TTM: | 129% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 14% |
| 5 Years: | 44% |
| 3 Years: | 56% |
| 1 Year: | 121% |
| Return on Equity | |
|---|---|
| 10 Years: | -5% |
| 5 Years: | -19% |
| 3 Years: | -16% |
| Last Year: | 2% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| 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 | 31.53 | 30.97 | 30.65 | 30.48 | 31.47 | 6.88 | 1.81 | -4.82 | -7.99 | -10.25 | -19.25 | -18.70 | -16.96 |
| 5.42 | 4.96 | 3.79 | 3.12 | 8.35 | 16.10 | 19.36 | 23.02 | 43.25 | 42.94 | 40.42 | 38.52 | 39.12 | |
| 16.84 | 14.74 | 15.73 | 15.83 | 20.56 | 20.02 | 22.15 | 19.21 | 34.74 | 45.60 | 36.57 | 30.27 | 27.59 | |
| Total Liabilities | 78.25 | 75.13 | 74.63 | 73.89 | 84.84 | 67.46 | 67.78 | 61.87 | 94.46 | 102.75 | 106.20 | 98.98 | 103.44 |
| 8.65 | 8.00 | 7.29 | 7.04 | 6.77 | 16.61 | 16.29 | 16.85 | 16.31 | 15.80 | 15.26 | 15.18 | 15.10 | |
| 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 | 2.08 | 29.09 | 23.24 | 24.15 | 20.01 | 0.89 | 0.68 | 0.70 | 0.13 | 0.14 | 0.15 | 0.06 | 4.50 |
| 67.52 | 38.04 | 44.10 | 42.70 | 58.06 | 49.96 | 50.81 | 44.32 | 78.02 | 86.81 | 90.79 | 83.74 | 83.84 | |
| Total Assets | 78.25 | 75.13 | 74.63 | 73.89 | 84.84 | 67.46 | 67.78 | 61.87 | 94.46 | 102.75 | 106.20 | 98.98 | 103.44 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| -12.15 | -0.23 | 1.65 | -0.26 | 0.61 | 0.43 | -0.92 | 0.82 | -9.60 | 15.86 | -12.20 | -14.75 | |
| 15.91 | -0.26 | -0.35 | -0.79 | 1.13 | -0.48 | -0.29 | 0.24 | -5.17 | -7.71 | 1.74 | 6.93 | |
| -7.14 | -1.49 | -0.84 | 0.15 | -0.87 | 1.63 | 1.96 | 0.39 | 17.13 | -4.86 | 16.47 | -6.24 | |
| Net Cash Flow | -3.38 | -1.98 | 0.46 | -0.89 | 0.87 | 1.58 | 0.74 | 1.44 | 2.36 | 3.29 | 6.01 | -14.06 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| 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 | 66.45 | 114.75 | 129.12 | 106.13 | 128.41 | 155.91 | 263.40 | 308.99 | 243.97 | 271.89 | 441.99 | 231.45 |
| Inventory Days | 0.00 | 0.00 | 0.00 | 0.00 | 3.01 | 17.20 | 4.47 | 0.00 | 0.00 | |||
| Days Payable | 599.97 | 988.94 | 817.42 | |||||||||
| Cash Conversion Cycle | 66.45 | 114.75 | 129.12 | 106.13 | -468.54 | -815.83 | -549.56 | 308.99 | 243.97 | 271.89 | 441.99 | 231.45 |
| Working Capital Days | 242.41 | 86.06 | 269.82 | 245.72 | 391.85 | 314.37 | 336.64 | 493.43 | 99.35 | -174.37 | 99.12 | 514.36 |
| ROCE % | -1.74% | -1.29% | -0.02% | 0.33% | 3.13% | 3.30% | 5.30% | -12.14% | 0.92% | 4.10% | -5.49% | 7.52% |
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
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Financial Year 2019
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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.