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?

Why is Team India Guaranty Ltd falling/rising?

As of 04-Mar, Team India Guaranty Ltd's stock price is at 246.00, down 6.78%, reflecting recent underperformance and declining investor interest. The stock has seen significant declines over the past week and month, despite strong long-term growth, amid a challenging sector environment.

As of 04-Mar, Team India Guaranty Ltd's stock price is falling, currently at 246.00, which reflects a decrease of 17.9 or 6.78%. The stock has underperformed its sector by 3.92% today and has experienced a trend reversal after two consecutive days of gains. It reached an intraday low of Rs 245, marking a decline of 7.16%. <BR><BR>In terms of performance over various periods, the stock has shown a significant decline of 12.36% over the past week and 8.05% over the past month, while year-to-date it has decreased by 16.35%. This contrasts with its strong performance over the longer term, where it has increased by 46.17% over the past year and an impressive 405.34% over the past three years. <BR><BR>Additionally, there has been a notable drop in investor participation, with delivery volume on March 2 falling by 29.48% compared to the five-day average. The overall sector, Finance/NBFC, has also seen a decline of 2.86%, contributing to the negative sentiment surrounding the stock. 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, suggesting a mixed technical outlook. <BR><BR>Overall, the combination of recent underperformance, declining investor interest, and sector-wide challenges are contributing to the falling stock price of Team India Guaranty Ltd.

Which are the latest news on Team India Guar.?