Transwarranty [TFL] vs Reliance Home [RHFL] Detailed Stock Comparison

Transwarranty Finance Ltd.

NSE
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Reliance Home Finance Ltd.

NSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: Transwarranty Finance Ltd. wins in 10 metrics, Reliance Home Finance Ltd. wins in 6 metrics, with 0 ties. Transwarranty Finance Ltd. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Transwarranty Finance Ltd. Reliance Home Finance Ltd. Better
P/E Ratio (TTM) 99.87 12.72 Reliance Home Finance Ltd.
Price-to-Book Ratio 2.28 N/A N/A
Debt-to-Equity Ratio 101.48 -0.76 Transwarranty Finance Ltd.
PEG Ratio -1.60 N/A N/A
EV/EBITDA -43.65 -44.81 Transwarranty Finance Ltd.
Profit Margin (TTM) -57.07% -415.05% Transwarranty Finance Ltd.
Operating Margin (TTM) -31.52% 431.95% Reliance Home Finance Ltd.
EBITDA Margin (TTM) N/A 431.95% N/A
Return on Equity -14.42% -45.60% Transwarranty Finance Ltd.
Return on Assets (TTM) -5.08% 153.94% Reliance Home Finance Ltd.
Free Cash Flow (TTM) $-47.95M $89.90M Reliance Home Finance Ltd.
1-Year Return -28.52% -71.39% Transwarranty Finance Ltd.
Price-to-Sales Ratio (TTM) 6.53 -151.90 Transwarranty Finance Ltd.
Enterprise Value $935.19M $1.85B Reliance Home Finance Ltd.
EV/Revenue Ratio 9.13 -272.61 Transwarranty Finance Ltd.
Gross Profit Margin (TTM) -2.50% -10,368.42% Transwarranty Finance Ltd.
Revenue per Share (TTM) $2 $0 Transwarranty Finance Ltd.
Earnings per Share (Diluted) $-1.10 $-0.08 Reliance Home Finance Ltd.
Beta (Stock Volatility) 0.17 0.84 Transwarranty Finance Ltd.

Transwarranty Finance Ltd. vs Reliance Home Finance Ltd. Stock Performance Analysis

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TFL
RHFL

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Transwarranty Finance Ltd.0.33%-1.64%-1.15%0.59%-10.57%-21.85%
Reliance Home Finance Ltd.1.83%1.83%-0.45%-17.78%-27.21%-22.65%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Transwarranty Finance Ltd.-28.52%33.11%176.67%48.45%-12.68%-72.09%
Reliance Home Finance Ltd.-71.39%-38.59%-58.87%-97.97%-97.97%-97.97%

Performance & Financial Health Analysis: Transwarranty Finance Ltd. vs Reliance Home Finance Ltd.

MetricTFLRHFL
Market Information
Market Cap i₹688.40M₹1.03B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i19,549126,600
90 Day Avg. Volume i43,495241,298
Last Close₹12.02₹2.22
52 Week Range₹10.72 - ₹21.50₹1.82 - ₹7.46
% from 52W High-44.09%-70.24%
All-Time High₹1,125.00 (Nov 13, 2023)₹113.00 (Sep 25, 2017)
% from All-Time High-98.93%-98.04%
Growth Metrics
Quarterly Revenue Growth0.69%-0.91%
Quarterly Earnings Growth-0.12%-0.99%
Financial Health
Profit Margin (TTM) i-0.57%-4.15%
Operating Margin (TTM) i-0.32%4.32%
Return on Equity (TTM) i-0.14%-0.46%
Debt to Equity (MRQ) i101.48-0.76
Cash & Liquidity
Book Value per Share (MRQ)₹5.33₹-0.77
Cash per Share (MRQ)₹1.63₹0.01
Operating Cash Flow (TTM) i₹-78,778,000₹89.90M
Levered Free Cash Flow (TTM) i₹-50,779,000₹241.73M
Dividends
Last 12-Month Dividend Yield iN/AN/A
Last 12-Month Dividend i₹0.00₹0.00

Valuation & Enterprise Metrics Analysis: Transwarranty Finance Ltd. vs Reliance Home Finance Ltd.

MetricTFL (Apr 24, 2026)RHFL (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i99.8712.72
Forward P/E iN/AN/A
PEG Ratio i-1.60N/A
Price to Sales (TTM) i6.53-151.90
Price to Book (MRQ) i2.28N/A
Market Capitalization
Market Capitalization i₹688.40M₹1.03B
Enterprise Value i₹935.19M₹1.85B
Enterprise Value Metrics
Enterprise to Revenue i9.13-272.61
Enterprise to EBITDA i-43.65-44.81
Risk & Other Metrics
Beta i0.170.84
Book Value per Share (MRQ) i₹5.33₹-0.77

Financial Statements Comparison: Transwarranty Finance Ltd. vs Reliance Home Finance Ltd.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricTFL (2025)RHFL (2025)
Revenue/Sales i126.28M2.23M
Cost of Goods Sold i124.50M11.47M
COGS % of Revenue i98.6%515.0%
Gross Profit i1.79M-9.24M
Gross Margin i1.4%-415.0%
Research & Development iN/AN/A
Operating Income (EBIT) i-54.32M-41.23M
Operating Margin i-43.0%-1,852.2%
EBITDA i-21.43M-41.23M
EBITDA Margin i-17.0%-1,852.2%
Pre-Tax Income i-47.71M-41.23M
Pre-Tax Income % of Revenue i-37.8%-1,852.2%
Income Tax i6.37M-660,000
Income Tax % of Revenue i5.0%-29.6%
Net Income (Profit) i-54.08M241.73M
Profit Margin i-42.8%10,859.6%

Balance Sheet & Liquidity Metrics

MetricTFL (2025)RHFL (2025)
Cash & Equivalents i14.99M5.04M
Total Current Assets i463.34M7.36M
Total Current Assets % of Revenue i366.9%330.4%
Total Current Liabilities i331.39M0
Total Current Liabilities % of Revenue i262.4%0.0%
Long-Term Debt i299.00M402.75M
Long-Term Debt % of Revenue i236.8%18,092.9%
Total Shareholders Equity i352.10M-530.08M
Retained Earnings i-286.31MN/A
Retained Earnings % of Revenue i-226.7%0.0%
Property, Plant & Equipment i82.05MN/A

Cash Flow Statement Comparison

MetricTFL (2025)RHFL (2025)
Operating Cash Flow i-78.78M94.11M
Operating Cash Flow % of Revenue i-62.4%4,227.7%
Capital Expenditures i-2.25MN/A
Free Cash Flow i-47.95M89.90M
FCF Margin i-38.0%4,038.8%
Debt Repayment iN/A-130.68M
Common Stock Repurchase i-29.92MN/A

Short Interest & Institutional Ownership Analysis

MetricTFLRHFL
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Shares Outstanding i55.12M485.06M
Float Shares i16.00M636.29M
% Held by Insiders i66.60%3.17%
% Held by Institutions i0.00%1.54%
% Held by Public i33.40%95.29%

Dividend Analysis & Yield Comparison: Transwarranty Finance Ltd. vs Reliance Home Finance Ltd.

MetricTFLRHFL
Last 12-Month Dividend i₹0.00₹0.00
Last 12-Month Dividend Yield iN/AN/A
3-Year Avg Annual Dividend i₹0.00₹0.00
3-Year Avg Dividend Yield iN/AN/A
3-Year Total Dividends i₹0.00₹0.00
Ex-Dividend DateN/AN/A