Transwarranty Finance (NSE:TFL) LT-Debt-to-Total-Asset: 0.48 (As of Mar. 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
56 GF Score
Price ₹11.17
GF Value ₹15.19
Valuation Modestly Undervalued
! 4 Warning Signs
View Full Analysis

What is Transwarranty Finance LT-Debt-to-Total-Asset?

Transwarranty Finance NSE:TFL -1.59% 56 LT-Debt-to-Total-Asset is 0.48 as of Mar. 2026. GuruFocus rates NSE:TFL with a GF Score™ of 56/100 and a GF Value™ of ₹15.19 (Modestly Undervalued). The stock has 4 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Transwarranty Finance's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.48.

Transwarranty Finance's long-term debt to total assets ratio increased from Mar. 2025 (0.30) to Mar. 2026 (0.48). It may suggest that Transwarranty Finance is progressively becoming more dependent on debt to grow their business.

Transwarranty Finance  (NSE:TFL) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Transwarranty Finance LT-Debt-to-Total-Asset Related Terms

Transwarranty Finance LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Transwarranty Finance's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Transwarranty Finance Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.29 0.30 0.30 0.30 0.48

Transwarranty Finance Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
LT-Debt-to-Total-Asset 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 0.30 0.00 0.39 0.00 0.48
NSE:TFL
56GF Score
Transwarranty Finance Ltd NSE:TFL
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Transwarranty Finance LT-Debt-to-Total-Asset Calculation

Transwarranty Finance's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (A: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (A: Mar. 2026 )/Total Assets (A: Mar. 2026 )
=306.719/639.688
=0.48

Transwarranty Finance's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )/Total Assets (Q: Mar. 2026 )
=306.719/639.688
=0.48

* 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 LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.48 mean?
Transwarranty Finance (NSE:TFL) has a LT-Debt-to-Total-Asset of 0.48 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Transwarranty Finance and its competitors.
Is Transwarranty Finance's LT-Debt-to-Total-Asset too high?
Transwarranty Finance's current LT-Debt-to-Total-Asset is 0.48. Overall, Transwarranty Finance has a GF Score™ of 56/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Transwarranty Finance's LT-Debt-to-Total-Asset compare to RKT and FNMA?
Transwarranty Finance's LT-Debt-to-Total-Asset of 0.48 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good LT-Debt-to-Total-Asset for a Banks company?
A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Transwarranty Finance and its competitors. Transwarranty Finance's current LT-Debt-to-Total-Asset is 0.48. 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 Modestly Undervalued. The stock's GF Value™ is ₹15.19, compared to a current price of ₹11.17 — trading 26.5% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.48. Transwarranty Finance's overall GF Score™ is 56/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Transwarranty Finance (NSE:TFL), the current LT-Debt-to-Total-Asset is 0.48 as of Mar. 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 ₹11.17 is trading 26.5% below its estimated GF Value™ of ₹15.19. GuruFocus considers Transwarranty Finance to be Modestly Undervalued.

Key valuation signals for NSE:TFL:

  • LT-Debt-to-Total-Asset: 0.48
  • GF Value™: ₹15.19 vs. price of ₹11.17 (26.5% below fair value)
  • GF Score™: 56/100 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.
56GF Score

Get the complete analysis for NSE:TFL

LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹11.17
Price
₹15.19
GF Value