Team India Guaranty Ltd

₹ 257 2.36%

02 Apr - close price

timesguarantylimited.com BSE: 511559 NSE: TEAMGTY

About

Incorporated in 1989, Times Guaranty Ltd is an NBFC and is engaged in investing activities of its own funds.

Key Points

Registration:^[1]
Company is registered with SEBI as Category I Merchant Banker and has membership of over the Counter Exchange of India. Also, company has a NBFC registration certification (without accepting public deposits) from Reserve bank of India.

Website BSE NSE

Market Cap ₹ 231 Cr.
Current Price ₹ 257
High / Low ₹ 335 / 154
Stock P/E 109
Book Value ₹ 54.5
Dividend Yield 0.00 %
ROCE 6.05 %
ROE 5.04 %
Face Value ₹ 10.0

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Pros

Company is almost debt free.
Company's working capital requirements have reduced from 226 days to 107 days

Cons

Stock is trading at 4.72 times its book value
Though the company is reporting repeated profits, it is not paying out dividend
The company has delivered a poor sales growth of 9.35% over past five years.
Company has a low return on equity of 3.78% over last 3 years.

* 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

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

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Detailed Comparison with:

Quarterly Results

Figures in Rs. Crores

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
	0.70	0.77	0.80	0.80	0.81	0.83	0.85	0.86	0.85	0.98	1.26	1.37	1.36
Interest	0.00	0.01	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	0.14	0.44	0.19	0.29	0.13	0.29	0.18	0.27	0.16	0.29	0.47	0.57	0.92
Financing Profit	0.56	0.32	0.61	0.51	0.68	0.54	0.67	0.59	0.69	0.69	0.79	0.80	0.44
Financing Margin %	80.00%	41.56%	76.25%	63.75%	83.95%	65.06%	78.82%	68.60%	81.18%	70.41%	62.70%	58.39%	32.35%
	0.02	0.00	0.00	0.01	0.00	0.00	0.00	0.00	0.00	0.17	0.00	0.00	0.00
Depreciation	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
Profit before tax	0.58	0.32	0.61	0.52	0.68	0.54	0.67	0.59	0.69	0.86	0.79	0.80	0.44
Tax %	18.97%	-9.38%	19.67%	19.23%	27.94%	29.63%	16.42%	16.95%	17.39%	16.28%	29.11%	16.25%	59.09%
	0.47	0.36	0.50	0.42	0.49	0.39	0.56	0.50	0.58	0.72	0.56	0.67	0.17
EPS in Rs	0.52	0.40	0.56	0.47	0.54	0.43	0.62	0.56	0.64	0.80	0.62	0.75	0.19
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Figures in Rs. Crores

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
	1.65	0.57	0.12	5.57	1.11	2.95	2.36	8.74	2.72	1.96	3.24	3.69	4.97
Interest	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.07	0.02	0.01	0.00	0.00	0.00
	0.30	0.38	0.37	0.44	0.47	0.57	0.66	0.63	0.69	0.90	0.89	0.89	2.25
Financing Profit	1.35	0.19	-0.25	5.13	0.64	2.38	1.70	8.04	2.01	1.05	2.35	2.80	2.72
Financing Margin %	81.82%	33.33%	-208.33%	92.10%	57.66%	80.68%	72.03%	91.99%	73.90%	53.57%	72.53%	75.88%	54.73%
	0.01	0.01	0.00	0.00	0.00	0.00	0.01	0.01	0.00	0.02	0.01	0.02	0.17
Depreciation	0.03	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit before tax	1.33	0.20	-0.25	5.13	0.64	2.38	1.71	8.05	2.01	1.07	2.36	2.82	2.89
Tax %	10.53%	5.00%	0.00%	20.86%	25.00%	31.09%	22.22%	18.51%	21.89%	13.08%	24.15%	16.67%
	1.19	0.19	-0.25	4.06	0.48	1.64	1.33	6.55	1.57	0.94	1.79	2.35	2.12
EPS in Rs	1.32	0.21	-0.28	4.51	0.53	1.82	1.48	7.28	1.75	1.05	1.99	2.61	2.36
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:	21%
5 Years:	9%
3 Years:	11%
TTM:	47%

Compounded Profit Growth
10 Years:	29%
5 Years:	12%
3 Years:	14%
TTM:	4%

Stock Price CAGR
10 Years:	29%
5 Years:	59%
3 Years:	73%
1 Year:	41%

Return on Equity
10 Years:	6%
5 Years:	6%
3 Years:	4%
Last Year:	5%

Balance Sheet

Figures in Rs. Crores

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Sep 2025
Equity Capital	9.00	9.00	9.00	9.00	9.00	9.00	9.00	9.00	9.00	9.00	9.00	9.00	9.00
Reserves	15.08	15.26	15.01	19.07	19.55	24.25	25.57	32.11	33.71	34.65	36.43	38.77	39.99
Borrowing	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
	0.77	0.84	0.88	1.04	1.04	0.09	0.15	0.27	0.07	0.06	0.07	0.17	0.11
Total Liabilities	24.85	25.10	24.89	29.11	29.59	33.34	34.72	41.38	42.78	43.71	45.50	47.94	49.10
	0.00	0.00	0.00	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.00	0.00
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	23.54	23.82	23.65	28.04	28.25	32.20	22.62	24.86	30.55	41.09	23.30	29.51	16.51
	1.31	1.28	1.24	1.00	1.27	1.07	12.03	16.45	12.16	2.55	22.13	18.43	32.59
Total Assets	24.85	25.10	24.89	29.11	29.59	33.34	34.72	41.38	42.78	43.71	45.50	47.94	49.10

Cash Flows

Figures in Rs. Crores

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	0.05	-0.02	-0.21	4.48	-0.93	-0.53	-10.56	-5.45	3.80	8.64	-0.79	-0.81
	0.00	0.00	0.17	-4.45	0.90	0.53	10.89	5.85	-4.19	-8.86	1.61	2.05
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Cash Flow	0.05	-0.02	-0.04	0.03	-0.03	0.01	0.33	0.40	-0.40	-0.22	0.82	1.24
Free Cash Flow	0.05	-0.02	-0.21	4.48	-0.93	-0.53	-10.56	-5.45	3.80	8.64	-0.79	-0.81
CFO/OP	20%	-5%	84%	102%	-70%	-22%	-621%	-67%	187%	815%	-34%	-29%

Ratios

Figures in Rs. Crores

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
ROE %	5.07%	0.79%	-1.04%	15.59%	1.70%	5.31%	3.92%	17.31%	3.75%	2.18%	4.02%	5.04%

Insights

In beta

Mar 2014

Mar 2015

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Gross Loan Book
Rs. Lakhs

x.xx	x.xx	x.xx	x.xx	x.xx	x.xx	x.xx	x.xx	x.xx	x.xx	x.xx	x.xx
x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx
x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx
	x	x	x	x	x	x	x	x	x	x	x

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Net Worth
Rs. Lakhs

Total Financial Assets / Investments
Rs. Lakhs

Number of Permanent Employees
Number

Shareholding Pattern

Numbers in percentages

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
	74.92%	74.92%	74.92%	74.92%	74.92%	74.92%	74.92%	74.91%	74.91%	74.91%	74.91%	74.91%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.20%	0.18%	0.55%	1.92%	1.92%	1.69%	2.03%
	0.06%	0.06%	0.06%	0.06%	0.06%	0.06%	0.06%	0.06%	0.06%	0.06%	0.06%	0.06%
	25.04%	25.02%	25.03%	25.03%	25.02%	24.82%	24.85%	24.48%	23.11%	23.10%	23.34%	23.00%
No. of Shareholders	21,217	21,061	21,159	21,099	20,624	20,725	20,598	20,848	20,425	20,317	20,141	20,024

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Dec 2025
	74.92%	74.92%	74.92%	74.92%	74.92%	74.92%	74.92%	74.92%	74.91%	74.91%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	1.92%	2.03%
	0.10%	0.05%	0.05%	0.05%	0.05%	0.05%	0.06%	0.06%	0.06%	0.06%
	24.98%	25.03%	25.03%	25.03%	25.03%	25.03%	25.04%	25.02%	23.11%	23.00%
No. of Shareholders	20,723	20,848	20,659	20,424	20,331	21,404	21,217	20,624	20,425	20,024

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Team India Guaranty Ltd

Team India Guaranty Ltd

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flows

Ratios

Insights

Shareholding Pattern

Documents

Announcements

Annual reports