Transwarranty Finance (NSE:TFL) EV-to-EBITDA: -23.01 (As of Sep. 07, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

NSE:TFL Transwarranty Finance Ltd NSE:TFL
57 GF Score
Price ₹12.36
GF Value ₹12.89
Valuation Fairly Valued
! 4 Warning Signs
View Full Analysis

What is Transwarranty Finance EV-to-EBITDA?

Transwarranty Finance NSE:TFL -1.59% 57 EV-to-EBITDA is -23.01 as of Sep. 07, 2026. GuruFocus rates NSE:TFL with a GF Score™ of 57/100 and a GF Value™ of ₹12.89 (Fairly Valued). The stock has 4 warning signs investors should review. Among 38 Banks companies, Transwarranty Finance ranks worse than 2631576.32% on this metric.

EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, Transwarranty Finance's enterprise value is ₹957.3 Mil. Transwarranty Finance's EBITDA for the trailing twelve months (TTM) ended in Jun. 2026 was ₹-41.6 Mil. Therefore, Transwarranty Finance's EV-to-EBITDA for today is -23.01.

The historical rank and industry rank for Transwarranty Finance's EV-to-EBITDA or its related term are showing as below:

NSE:TFL' s EV-to-EBITDA Range Over the Past 10 Years
Min: -422.25   Med: -11.54   Max: 132.71
Current: -23.01

During the past 13 years, the highest EV-to-EBITDA of Transwarranty Finance was 132.71. The lowest was -422.25. And the median was -11.54.

NSE:TFL's EV-to-EBITDA is ranked worse than
100% of 38 companies
in the Banks industry
Industry Median: 17.34 vs NSE:TFL: -23.01

EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.

As of today (2026-09-07), Transwarranty Finance's stock price is ₹12.36. Transwarranty Finance's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 was ₹-0.670. Therefore, Transwarranty Finance's PE Ratio (TTM) for today is At Loss.

The "classic" EV-to-EBITDA is much better in capturing debt and net cash than the PE Ratio (TTM).


Transwarranty Finance  (NSE:TFL) EV-to-EBITDA Explanation

EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

Transwarranty Finance's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=12.36/-0.670
=At Loss

Transwarranty Finance's share price for today is ₹12.36.
Transwarranty Finance's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹-0.670.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).

Please read Which price ratio outperforms the enterprise multiple?


Transwarranty Finance EV-to-EBITDA Related Terms


Transwarranty Finance EV-to-EBITDA Historical Data

* Premium members only.

The historical data trend for Transwarranty Finance's EV-to-EBITDA can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Transwarranty Finance EV-to-EBITDA Chart

Transwarranty Finance Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
EV-to-EBITDA
Get a 7-Day Free Trial Premium Member Only Premium Member Only -36.39 -8.41 72.96 -48.16 -22.22

Transwarranty Finance Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
EV-to-EBITDA Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -31.16 -28.56 -24.86 -22.22 -15.87

NSE:TFL vs RKT, FNMA, PFSI: EV-to-EBITDA Comparison

For the Mortgage Finance subindustry, Transwarranty Finance's EV-to-EBITDA, along with its competitors' market caps and EV-to-EBITDA data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Transwarranty Finance EV-to-EBITDA vs Banks Industry

For the Banks industry and Financial Services sector, Transwarranty Finance's EV-to-EBITDA distribution charts can be found below:

* The bar in red indicates where Transwarranty Finance's EV-to-EBITDA falls into.


NSE:TFL
57GF Score
Transwarranty Finance Ltd NSE:TFL
EV-to-EBITDA is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Transwarranty Finance EV-to-EBITDA Calculation

Transwarranty Finance's EV-to-EBITDA for today is calculated as:

EV-to-EBITDA=Enterprise Value (Today)/EBITDA (TTM)
=957.306/-41.598
=-23.01

Transwarranty Finance's current Enterprise Value is ₹957.3 Mil.
Transwarranty Finance's EBITDA for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹-41.6 Mil.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about EV-to-EBITDA →
What does a EV-to-EBITDA of -23.01 mean?
Transwarranty Finance (NSE:TFL) has a EV-to-EBITDA of -23.01 as of Sep. 07, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Transwarranty Finance. According to the industry distribution chart, Transwarranty Finance ranks #999999 out of 38 companies in the Banks industry.
Is Transwarranty Finance's EV-to-EBITDA too high?
Transwarranty Finance's current EV-to-EBITDA is -23.01. Based on the distribution chart, Transwarranty Finance ranks #999999 out of 38 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Transwarranty Finance has a GF Score™ of 57/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Transwarranty Finance's EV-to-EBITDA compare to RKT and FNMA?
According to the Banks industry distribution chart, Transwarranty Finance ranks #999999 out of 38 companies for EV-to-EBITDA. This places Transwarranty Finance in the lower half of its industry. The industry median EV-to-EBITDA is 17.34. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-EBITDA for a Banks company?
The median EV-to-EBITDA among Banks companies is 17.34, based on 38 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Transwarranty Finance. For the Banks industry, the median EV-to-EBITDA is 17.34 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Transwarranty Finance's current EV-to-EBITDA is -23.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Transwarranty Finance stock overvalued right now?
Based on GuruFocus' analysis, Transwarranty Finance (NSE:TFL) is currently considered Fairly Valued. The stock's GF Value™ is ₹12.89, compared to a current price of ₹12.36 — trading 4.1% below its estimated fair value. The current EV-to-EBITDA is -23.01. Transwarranty Finance's overall GF Score™ is 57/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For Transwarranty Finance (NSE:TFL), the current EV-to-EBITDA is -23.01 as of Sep. 07, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Transwarranty Finance (NSE:TFL) Overvalued in 2026?

Based on GuruFocus' analysis, Transwarranty Finance stock appears to be undervalued. The current stock price of ₹12.36 is trading 4.1% below its estimated GF Value™ of ₹12.89. GuruFocus considers Transwarranty Finance to be Fairly Valued.

Key valuation signals for NSE:TFL:

  • EV-to-EBITDA: -23.01
  • GF Value™: ₹12.89 vs. price of ₹12.36 (4.1% below fair value)
  • GF Score™: 57/100 with 4 warning signs

No single metric tells the full story. See the NSE:TFL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Transwarranty Finance Business Description

Other Exchanges 532812:India
Address No. 403, Regent Chambers, Nariman Point, Mumbai, MH, IND, 400021
Transwarranty Finance Ltd is engaged in providing financial services. It is engaged in advisory services like investment banking, corporate finance, project finance, trade finance, and providing business and retail loans against collateral security of immovable property, liquid assets like shares, other financial assets, gold jewelry, and others. Geographically, the company operates only in the Indian market.
57GF Score

Get the complete analysis for NSE:TFL

EV-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹12.36
Price
₹12.89
GF Value