Team India Guar.

What does Times Guaranty do?

Times Guaranty Ltd is a Non-Banking Financial Company (NBFC) involved in retail and corporate lending, merchant banking, and money market activities, with a market cap of Rs 153 Cr and recent quarterly net sales and profit of 1 Cr each. It was incorporated in 1989 and has diversified into various financial services since then.

Overview:<BR>Times Guaranty Ltd is a Non Banking Financial Company (NBFC) operating in the micro-cap market, engaged in retail and corporate lending, merchant banking, and money market activities.<BR><BR>History:<BR>Times Guaranty Ltd was incorporated on November 27, 1989, and became active in February 1990. It diversified into Portfolio Management Services in April 1991 and became an active player in the OTCEI in 1993. The latest quarterly results reported net sales and net profit of 1 Cr for March 2025.<BR><BR>Financial Snapshot:<BR>Net Sales: 1 Cr (Quarterly Results - Mar 2025)<BR>Net Profit: 1 Cr (Quarterly Results - Mar 2025)<BR>Market Cap: Rs 153 Cr (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: 64.00<BR>Industry P/E: 23<BR>Dividend Yield: 0.00%<BR>Debt Equity: 0.00<BR>Return on Equity: 4.94%<BR>Price to Book: 3.14<BR><BR>Contact Details:<BR>Address: 5th Flr Times Tower Kamala Mil, Senapati Bapat Marg LowerParel Mumbai Maharashtra : 400013<BR>Tel: 91-22-65131731<BR>Email: info@timesguarantylimited.com<BR>Website: http://www.timesguarantylimited.com

Has Times Guaranty declared dividend?

No Dividend History Available

Who are the peers of the Times Guaranty?

Peers of Times Guaranty include Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, Thacker & Co., Sonal Mercantile, Arunjyoti Bio, and Prithvi Exchange. Times Guaranty has below-average management risk and a 1-year return of 41.40%, outperforming Jio Financial, which has the lowest return at -20.18%.

Peers: The peers of Times Guaranty are Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, Thacker & Co., Sonal Mercantile, Arunjyoti Bio, and Prithvi Exchange.<BR><BR>Quality Snapshot: Excellent management risk is observed at Bajaj Finance, Cholaman.Inv.&Fn, Muthoot Finance, while Average management risk is found at Jio Financial, Thacker & Co., and the rest. Good management risk is noted at Shriram Finance, while Below Average management risk is seen at Times Guaranty, Sonal Mercantile, Arunjyoti Bio, and IBL Finance. Growth is Excellent at Jio Financial and Arunjyoti Bio, Good at Bajaj Finance, Cholaman.Inv.&Fn, Shriram Finance, and Sonal Mercantile, while Average growth is seen at Muthoot Finance, and Below Average growth is noted at Times Guaranty, Thacker & Co. The Capital Structure is Excellent for Bajaj Finance, Jio Financial, Shriram Finance, Muthoot Finance, and Times Guaranty, Good for Cholaman.Inv.&Fn and Thacker & Co., and Average for Arunjyoti Bio.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Bajaj Finance at 30.40%, while the lowest is Jio Financial at -20.18%. Times Guaranty has a 1-year return of 41.40%, which is significantly higher than both. Additionally, Jio Financial, Thacker & Co., Sonal Mercantile, Arunjyoti Bio, and Prithvi Exchange have negative six-month returns.

Is Times Guaranty overvalued or undervalued?

As of April 26, 2023, Times Guaranty is considered very expensive and overvalued with a PE ratio of 64.21, despite a strong one-year stock return of 52.52%, as its high valuation metrics and low ROE of 4.94% do not support its current price levels.

As of 26 April 2023, the valuation grade for Times Guaranty has moved from does not qualify to very expensive, indicating a significant shift in its perceived value. The company is currently overvalued, with a PE ratio of 64.21, an EV to EBIT ratio of 50.70, and a PEG ratio of 2.06. In comparison to its peers, Life Insurance has a fair PE ratio of 12.54, while Bajaj Finance, also categorized as very expensive, has a PE ratio of 35.01, highlighting the substantial premium at which Times Guaranty is trading.<BR><BR>Despite a strong one-year stock return of 52.52% compared to the Sensex's 7.61%, the high valuation metrics suggest that the stock may not sustain its current price levels. With an ROE of 4.94% and an ROCE of 8.66%, the underlying fundamentals do not support the elevated valuation, reinforcing the conclusion that Times Guaranty is overvalued in the current market environment.

What is the technical trend for Times Guaranty?

As of April 21, 2025, Times Guaranty shows a mildly bullish trend with mixed signals from MACD and daily moving averages, but caution is advised due to bearish weekly Bollinger Bands and weak overall trend strength.

As of 21 April 2025, the technical trend for Times Guaranty has changed from bullish to mildly bullish. The weekly MACD is mildly bearish, while the monthly MACD remains bullish, indicating mixed signals across time frames. The daily moving averages are mildly bullish, supporting a positive short-term outlook. However, the weekly Bollinger Bands are bearish, which adds caution. Overall, the strength of the trend is weak, with no clear signals from the RSI, KST, or Dow Theory across both weekly and monthly perspectives.

Who are in the management team of Times Guaranty?

As of March 2023, the management team of Times Guaranty includes Sivakumar Sundaram (Chairman), Arun Arora, Mitu Samarnath Jha (both Non-Executive & Independent Directors), Shweta Chaturvedi (Company Secretary), Anita Malusare (Executive Director & CEO), Gopalkrishnan Ramaswamy (Non-Executive & Non-Independent Director), and Jayaprakash Madhavan Nair (Director). Each member contributes to the company's governance and operations.

As of March 2023, the management team of Times Guaranty includes the following individuals:<BR><BR>1. Sivakumar Sundaram - Chairman (Non-Executive)<BR>2. Arun Arora - Non-Executive & Independent Director<BR>3. Mitu Samarnath Jha - Non-Executive & Independent Director<BR>4. Shweta Chaturvedi - Company Secretary & Compliance Officer<BR>5. Anita Malusare - Executive Director & CEO<BR>6. Gopalkrishnan Ramaswamy - Non-Executive & Non-Independent Director<BR>7. Jayaprakash Madhavan Nair - Director<BR><BR>Each member plays a distinct role within the organization, contributing to its governance and operational management.

Who are the top shareholders of the Times Guaranty?

The top shareholders of Times Guaranty include Team India Managers Ltd with 45.31%, individual investors with 20.64%, and a small presence from Foreign Institutional Investors and mutual funds. There are no pledged promoter holdings or significant public shareholders.

The top shareholders of Times Guaranty include the promoters, with Team India Managers Ltd holding the largest share at 45.31%. Additionally, the company has some institutional investment, with two Foreign Institutional Investors (FIIs) holding a combined 1.92%. Mutual funds have a minor presence through three schemes, holding 0.01%. Individual investors collectively own 20.64% of the shares. There are no pledged promoter holdings or significant public shareholders noted.

How big is Times Guaranty?

As of 24th July, Times Guaranty Ltd has a market capitalization of 168.00 Cr, with Net Sales of 3.54 Cr and a Net Profit of 2.36 Cr reported in the latest four quarters. The balance sheet for March 2024 shows Shareholder's Funds of 45.43 Cr and Total Assets of 45.50 Cr.

As of 24th July, Times Guaranty Ltd has a market capitalization of 168.00 Cr, categorizing it as a Micro Cap company.<BR><BR>In the latest four quarters, Times Guaranty reported Net Sales of 3.54 Cr and a Net Profit of 2.36 Cr.<BR><BR>The latest annual period for the balance sheet is March 2024, showing Shareholder's Funds of 45.43 Cr and Total Assets of 45.50 Cr.

When is the next results date for Team India Guar.?

The next results date for Team India Guar. is 14 November 2025.

The next results date for Team India Guar. is scheduled for 14 November 2025.

How has been the historical performance of Team India Guar.?

Team India Guar has shown a recovery in net sales and profitability, with net sales increasing to 3.53 Cr in Mar'25 from 3.24 Cr in Mar'24, although performance remains below the peak levels of Mar'21. Key metrics like operating profit and profit after tax have also improved, indicating a positive trend.

Answer:<BR>The historical performance of Team India Guar shows fluctuations in net sales and profitability over the years, with a notable decline from Mar'21 to Mar'22, followed by a gradual recovery. <BR><BR>Breakdown:<BR>Team India Guar reported net sales of 3.53 Cr in Mar'25, an increase from 3.24 Cr in Mar'24 and 1.96 Cr in Mar'23, indicating a positive trend in revenue. The total operating income mirrored this growth, reaching 3.53 Cr in Mar'25, up from 3.24 Cr in Mar'24. Operating profit (PBDIT) also saw an increase to 2.72 Cr in Mar'25 from 2.36 Cr in Mar'24, although it was significantly lower than the 8.05 Cr recorded in Mar'21. Profit before tax followed a similar pattern, rising to 2.72 Cr in Mar'25 from 2.36 Cr in Mar'24, while profit after tax increased to 2.25 Cr in Mar'25 from 1.79 Cr in Mar'24. The company's earnings per share (EPS) improved to 2.5 in Mar'25 from 1.99 in Mar'24. Total assets grew to 47.93 Cr in Mar'25 from 45.50 Cr in Mar'24, and total liabilities also increased to 47.93 Cr in Mar'25 from 45.50 Cr in Mar'24. Cash flow from investing activities showed a net inflow of 2.00 Cr in Mar'25, contributing to a closing cash balance of 2.00 Cr. Overall, while Team India Guar has shown recovery in recent years, its performance remains below the peak levels seen in earlier years.

Are Team India Guaranty Ltd latest results good or bad?

The latest results for Team India Guaranty Ltd are concerning, with a 74.63% decline in net profit to ₹0.17 crores despite a 60% year-on-year revenue growth. The significant drop in operating margin and high effective tax rate indicate serious profitability challenges, making the stock a risky investment.

The latest results for Team India Guaranty Ltd are concerning. In Q3 FY26, the company reported a net profit of ₹0.17 crores, which is a significant decline of 74.63% compared to the previous quarter. This marks the lowest quarterly earnings in recent history and raises serious questions about the company's operational efficiency and cost management.<BR><BR>While the company experienced strong revenue growth of 60% year-on-year, the revenue for the quarter was ₹1.36 crores, showing a slight decline of 0.73% from the previous quarter. However, this revenue growth did not translate into profitability, as the operating margin dropped sharply from 58.39% in Q2 FY26 to just 32.35% in Q3 FY26.<BR><BR>Additionally, the effective tax rate surged to an unusually high 61.36%, which further impacted net profits. The profit after tax (PAT) margin fell dramatically from 48.91% to 12.50%, indicating significant challenges in maintaining profitability.<BR><BR>Overall, the financial performance reflects a stark contrast between revenue growth and declining profitability, leading to a "Very Expensive" valuation at a P/E ratio of 96x, which is much higher than industry averages. Given these factors, the results can be characterized as bad, and investors may want to approach the stock with caution.

Should I buy, sell or hold Team India Guaranty Ltd?

Which are the latest news on Team India Guar.?

Why is Team India Guaranty Ltd falling/rising?

As of 17-Mar, Team India Guaranty Ltd's stock price is at Rs 259.75, up 2.83% today and showing a strong annual increase of 42.84%. Despite recent declines, its long-term performance remains robust with significant gains over three and five years.

As of 17-Mar, Team India Guaranty Ltd's stock price is rising, currently at Rs 259.75, reflecting an increase of Rs 7.15 or 2.83%. This rise is notable as the stock has outperformed its sector by 2.03% today. Additionally, the stock has shown strong performance over the past year, with a remarkable increase of 42.84%, significantly surpassing the Sensex's 2.56% gain in the same period. <BR><BR>Despite a slight decline of 0.13% over the past month and a year-to-date drop of 11.68%, the stock's long-term performance is impressive, with a 441.15% increase over three years and a staggering 962.37% rise over five years. <BR><BR>Today's trading activity indicates that the stock reached an intraday high of Rs 259.75, which aligns with its current price. However, there is a noted decrease in investor participation, with delivery volume falling by 24.29% compared to the five-day average. This could suggest a potential concern for future trading activity, but the current price movement reflects positive sentiment in the market. Overall, the combination of today's performance and the stock's historical growth contributes to the observed rise in price.

Why is Team India Guaranty Ltd falling/rising?

As of 18-Mar, Team India Guaranty Ltd's stock is slightly rising at 259.90, with a recent total return of 2.89%. However, it is underperforming its sector and experiencing a significant decline in investor participation, which may affect future price movements.

As of 18-Mar, Team India Guaranty Ltd's stock price is rising slightly, currently at 259.90, with a change of 0.15 (0.06%) increase. The stock has been gaining for the last two days, showing a total return of 2.89% during this period. This recent upward movement contrasts with its performance over the past week, where it has outperformed the Sensex by 3.53%, while the benchmark index has declined by 0.21%.<BR><BR>However, despite the recent gains, the stock is underperforming its sector by 1.29% today. Additionally, there are concerns regarding falling investor participation, as the delivery volume on 17 March has decreased significantly by 86.47% compared to the 5-day average. This decline in trading activity may indicate a lack of strong investor interest, which could impact future price movements.<BR><BR>Overall, while the stock is currently experiencing a slight rise, the broader context shows mixed signals, including a significant drop in delivery volume and underperformance against the sector.

Why is Team India Guaranty Ltd falling/rising?

As of 19-Mar, Team India Guaranty Ltd's stock price is Rs 258.75, down 0.44% after two days of gains, with a significant intraday low of Rs 246. Despite outperforming its sector today, the stock has declined 2.36% over the past month, amid decreasing investor participation and mixed technical indicators.

As of 19-Mar, Team India Guaranty Ltd's stock price is falling, currently at Rs 258.75, reflecting a decrease of Rs 1.15 or 0.44%. This decline follows a trend reversal after two consecutive days of gains. The stock has also experienced a significant intraday low of Rs 246, which represents a drop of 5.35%. <BR><BR>In terms of performance relative to the market, the stock has outperformed its sector by 3.4% today, but overall, it has shown a negative trend in the past month with a decrease of 2.36%, while the benchmark Sensex has fallen by 10.05% in the same period. Additionally, investor participation appears to be declining, as evidenced by a delivery volume of 181 on March 18, which is down 82.59% compared to the 5-day average delivery volume. <BR><BR>The stock's moving averages indicate that it is currently higher than the 5-day and 200-day moving averages but lower than the 20-day, 50-day, and 100-day moving averages, suggesting a mixed technical outlook. Furthermore, the finance/NBFC sector has seen a decline of 3.83%, which may also be impacting the stock's performance. Overall, these factors contribute to the current downward movement in Team India Guaranty Ltd's stock price.

Why is Team India Guaranty Ltd falling/rising?

As of 20-Mar, Team India Guaranty Ltd's stock price is rising to 273.90, up 5.86%. This increase is driven by strong relative performance, trading above key moving averages, and significant intraday volatility, despite a notable decline in investor participation.

As of 20-Mar, Team India Guaranty Ltd's stock price is rising, currently at 273.90, reflecting a change of 15.15 (5.86%) upward. This increase can be attributed to several factors. Firstly, the stock has outperformed its sector by 6.43% today, indicating strong relative performance. Despite opening with a loss of 2.49%, the stock reached an intraday high of Rs 289.15, showcasing significant upward momentum during the trading session.<BR><BR>Moreover, the stock is trading above its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, which typically signals a bullish trend. Additionally, the stock has demonstrated high volatility today, with an intraday volatility of 6.31%, suggesting active trading and investor interest.<BR><BR>However, it's important to note that there has been a decline in investor participation, with delivery volume falling by 89.14% compared to the 5-day average. Despite this decline in participation, the overall performance metrics indicate a positive trend for Team India Guaranty Ltd, contributing to the rise in its stock price.

Why is Team India Guaranty Ltd falling/rising?

As of 23-Mar, Team India Guaranty Ltd's stock price is Rs 245.70, reflecting a 10.61% decline. The stock has underperformed its sector and shows significant volatility, with a year-to-date drop of 16.46%, despite increased investor participation.

As of 23-Mar, Team India Guaranty Ltd's stock price is falling, currently at Rs 245.70, which represents a decline of Rs 29.15 or 10.61%. This drop is evident in today's performance, where the stock has underperformed its sector by 6.81%. Despite opening with a gain of 3.87% and reaching an intraday high of Rs 285.5, the stock fell to its day's low of Rs 245.7, indicating significant volatility with an intraday fluctuation of 6.74%.<BR><BR>Over the past week, the stock has decreased by 2.73%, and its year-to-date performance shows a decline of 16.46%. Comparatively, the benchmark Sensex has also seen a decline, but at a lesser rate of 14.70% year-to-date. The stock's moving averages indicate that it is currently lower than the 5-day, 20-day, 50-day, and 100-day moving averages, although it remains above the 200-day moving average.<BR><BR>Additionally, while there has been a notable increase in investor participation, with delivery volume rising by 1000% against the 5-day average, the overall market sentiment in the finance/NBFC sector has been negative, with a decline of 3.81%. This combination of high volatility, underperformance relative to the sector, and broader market trends contributes to the stock's current downward trajectory.

Why is Team India Guaranty Ltd falling/rising?

As of 24-Mar, Team India Guaranty Ltd's stock price is rising to 261.90, reflecting a 5.24% increase due to strong initial investor interest, outperformance against its sector, and increased trading volume. Despite recent declines, its long-term performance remains strong with a 44.26% increase over the past year.

As of 24-Mar, Team India Guaranty Ltd's stock price is rising, currently at 261.90, reflecting a change of 13.05 or 5.24% increase. This upward movement can be attributed to several factors observed today. The stock opened with a significant gain of 7.11%, indicating strong initial investor interest. Additionally, it outperformed its sector by 2.92%, suggesting that it is gaining traction compared to its peers.<BR><BR>The stock also experienced high volatility, with an intraday volatility of 12.54%, which indicates active trading and investor engagement. Furthermore, the delivery volume increased by 36.11% compared to the 5-day average, signaling rising investor participation and confidence in the stock.<BR><BR>Despite the stock's recent performance showing a decline of 4.42% over the past month and a year-to-date drop of 10.95%, its strong performance over the longer term remains notable, with a 44.26% increase over the past year and an impressive 435.04% rise over the last three years. The stock's current price is also higher than its 5-day, 20-day, and 200-day moving averages, which may contribute to a positive sentiment among investors.<BR><BR>Overall, the combination of a strong opening, outperformance against the sector, increased trading volume, and favorable long-term trends are driving the stock's rise today.

Why is Team India Guaranty Ltd falling/rising?

As of 25-Mar, Team India Guaranty Ltd's stock price is rising to 271.85, reflecting a 3.8% increase. The stock has shown strong performance, outperforming its sector and gaining 9.24% over the last two days, supported by increased investor participation and positive trading relative to moving averages.

As of 25-Mar, Team India Guaranty Ltd's stock price is rising, currently at 271.85, reflecting a change of 9.95 (3.8%) upward. The stock has shown strong performance today, outperforming its sector by 0.88% and has been gaining for the last two days, accumulating a total return of 9.24% during this period. Notably, the stock opened with a significant gain of 7.31% today and reached an intraday high of Rs 306.5, which is a 17.03% increase.<BR><BR>The stock's movement is supported by its trading performance relative to moving averages, as it is currently trading higher than its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages. Additionally, there has been a notable increase in investor participation, with delivery volume rising by 107.53% against the 5-day average, indicating heightened interest in the stock.<BR><BR>Despite experiencing high volatility today, with an intraday volatility of 6.42%, the overall trend appears positive, particularly in the context of the finance/NBFC sector, which has gained by 2.91%. This combination of factors contributes to the rising stock price of Team India Guaranty Ltd.