Team India Guaranty Ltd.

•

timesguarantylimited.comBSE: 511559NSE: TEAMGTY

Market Cap₹ 219 Cr.

Current Price

High / Low₹ 333 / 210

Stock P/E199.5

Book Value₹ 55

Price to Book3.20

Dividend Yield0.00 %

ROCE6.0 %

ROE5.0 %

Face Value₹ 10

Add ratio to table

ABOUT

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence

84%

View full sector analysis →

PROS

Solid return on assets for a lender - ROA of 5.0%
Asset quality is healthy - gross NPA of just 0.0%
Company generates healthy free cash flow

CONS

Capital adequacy is tight at 0.0% - limited headroom to grow
Recent results are weak - TTM profit is down 54.6% versus prior year
Company has a low return on capital employed of 4.6%
Company has a low return on equity of 3.7% over last 3 years
Thin net interest margin of 0.0%

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance - NBFC

Part ofNIFTY 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name
1.	BAJFINANCE	1046.00	32.08	651234.82	0.57	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1038.00	21.58	244239.69	1.04	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	CHOLAFIN	1849.10	27.46	157925.34	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
4.	TATACAP	362.95	28.51	154067.52	0.16	16281.80	1464.16	88219.30	1051.00	8.66	75.72
5.	JIOFIN	231.15	73.86	152631.62	0.26	8302.50	2457.29	20044.70	3172.82	2.11	69.71
6.	BAJAJHLDNG	10971.00	13.79	122100.11	1.78	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2840.00	10.03	114017.05	1.06	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	400.00	26.68	109501.94	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	311.25	24.51	78010.22	0.88	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	666.00	27.86	63379.43	0.38	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	676.50	25.83	56201.25	0.59	785.20	38.31	4937.90	18.71	9.09	57.98
12.	TEAMGTY	243.30	491.47	218.80	0.00	0.94	67.50	2.83	191.24	6.04	26.48

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	1	1	1	1	1	1	1	1	1	1	1	2	3
	0	0	0	0	0	0	0	0	0	1	1	2	2
Operating Profit	1	1	1	1	1	1	1	1	1	1	0	-1	1
OPM %	76.25%	63.75%	83.95%	65.06%	78.82%	68.60%	81.18%	70.41%	81.44%	58.39%	32.35%	-41.03%	26.48%
Other Income	0	0	0	0	0	0	0	0	0	0	0	0	0
Interest	0	0	0	0	0	0	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
	1	1	1	1	1	1	1	1	1	1	0	-1	1
Tax %	19.67%	19.23%	27.94%	29.63%	16.42%	16.95%	17.39%	16.28%	29.11%	16.25%	61.36%	-7.81%	-24.73%
Net Profit	0	0	0	0	1	0	1	1	1	1	0	-1	1
	1	0	1	0	1	1	1	1	1	1	0	-1	0

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
	0	6	1	3	2	9	3	2	3	4	7
	0	0	0	1	1	1	1	1	1	1	6
Operating Profit	-0	5	1	2	2	8	2	1	2	3	1
OPM %	-203.25%	91.97%	57.65%	80.47%	71.89%	92.82%	74.30%	53.83%	72.57%	74.81%	19.04%
	0	0	0	0	0	0	0	0	0	0	0
Interest	0	0	0	0	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0	0	0	0	0	0
Profit before Tax	-0	5	1	2	2	8	2	1	2	3	1
Tax %	-0.98%	20.87%	25.03%	31.08%	22.22%	18.56%	21.97%	12.75%	24.16%	16.63%	19.53%
Net Profit	-0	4	0	2	1	7	2	1	2	2	1
EPS	0.00	4.51	0.00	0.00	1.46	7.29	1.77	1.05	1.99	2.61	—
Dividend Payout %	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:: 20%
5 Years:: 8%
3 Years:: 9%

COMPOUNDED PROFIT GROWTH

10 Years:: 29%
5 Years:: 12%
3 Years:: 14%

STOCK PRICE CAGR

10 Years:: —
5 Years:: —
3 Years:: —
1 Year:: -8%

RETURN ON EQUITY

10 Years:: 6%
5 Years:: 6%
3 Years:: 4%
Last Year:: 5%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	9	9	9	9	9	9	9	9	9	9
	15	19	20	24	26	32	34	35	36	39
	1	1	1	0	0	0	0	0	1	1
Total Liabilities	25	29	30	33	35	41	43	44	46	49
	24	28	28	32	23	25	31	41	23	30
	0	0	0	0	0	0	0	0	0	0
Cash & Bank	0	0	0	0	0	1	0	0	6	17
	1	1	1	1	12	16	12	3	17	2
Total Assets	25	29	30	33	35	41	43	44	46	49

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	-0	5	-0	-1	-11	-5	4	9	-0	-1
Cash from Investing	0	-4	1	1	11	6	-3	-9	1	3
Cash from Financing	0	0	0	0	0	0	0	0	0	0
	-0	0	-0	0	0	0	-0	-0	1	1

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	74.92	74.92	74.92	74.92	74.92	74.92	74.92	74.92	74.92
	0.20	0.18	0.55	1.92	1.92	1.69	2.03	2.08	2.08
	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	24.83	24.85	24.48	23.11	23.11	23.34	23.00	22.95	22.95

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-08-26

Copy of Newspaper Publication

2026-08-26 - Team India Guaranty Limited has informed the Exchange about Copy of Newspaper Publication

2026-08-25

General Updates

2026-08-25 - Team India Guaranty Limited has informed the Exchange about General Updates

2026-08-25

Record Date

2026-08-25 - Team India Guaranty Limited has informed the Exchange that Record date for the purpose of Meeting is 15-Sep-2026.

2026-08-25

Shareholders meeting

2026-08-25 - Team India Guaranty Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on September 21, 2026

2026-08-25

Copy of Newspaper Publication

2026-08-25 - Team India Guaranty Limited has informed the Exchange about Copy of Newspaper Publication

2026-08-17

Shareholders meeting

2026-08-17 - Team India Guaranty Limited has submitted the Exchange a copy Srutinizers report of Postal Ballot. Further, the company has informed the Exchange regarding voting results.

2026-08-15

Copy of Newspaper Publication

2026-08-15 - Team India Guaranty Limited has informed the Exchange about Copy of Newspaper Publication

2026-08-14

Appointment

2026-08-14 - Team India Guaranty Limited has informed the Exchange regarding Appointment of MR. ANIL PODDAR as Non- Executive Independent Director of the company w.e.f. August 14, 2026.

2026-08-14

General Updates

2026-08-14 - Team India Guaranty Limited has informed the Exchange about General Updates

News

Recent coverage and analyst commentary for TEAMGTY

Loading news…

🤖

AI Stock Analyst

Team India Guaranty Ltd.

🔒

Sign in to Chat with AI

✨ Sign In to Chat

Free 5nance Account

Name

BAJFINANCE

1046.00

32.08

651234.82

0.57

6080.60

27.60

23165.45

20.37

10.87

70.70

SHRIRAMFIN

1038.00

21.58

244239.69

1.04

3452.77

59.90

13400.43

17.46

11.49

74.63

CHOLAFIN

1849.10

27.46

157925.34

0.11

1656.22

45.56

8856.29

21.89

9.70

70.07

TATACAP

362.95

28.51

154067.52

0.16

16281.80

1464.16

88219.30

1051.00

8.66

75.72

JIOFIN

231.15

73.86

152631.62

0.26

8302.50

2457.29

20044.70

3172.82

2.11

69.71

BAJAJHLDNG

10971.00

13.79

122100.11

1.78

2708.08

-92.27

394.33

23.34

14.81

684.72

MUTHOOTFIN

2840.00

10.03

114017.05

1.06

2824.84

43.08

8671.60

36.25

15.87

83.76

ABCAPITAL

400.00

26.68

109501.94

0.00

1223.85

43.85

12179.54

137.84

8.82

41.91

LTF

311.25

24.51

78010.22

0.88

915.99

30.70

5212.92

22.38

8.54

62.13

SBICARD

666.00

27.86

63379.43

0.38

664.44

19.51

5040.55

7.60

11.75

29.83

HDBFS

676.50

25.83

56201.25

0.59

785.20

38.31

4937.90

18.71

9.09

57.98

TEAMGTY

243.30

491.47

218.80

0.00

0.94

67.50

2.83

191.24

6.04

26.48

Jun 2023

Sep 2023

Dec 2023

Mar 2024

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

Operating Profit

-1

OPM %

76.25%

63.75%

83.95%

65.06%

78.82%

68.60%

81.18%

70.41%

81.44%

58.39%

32.35%

-41.03%

26.48%

Other Income

Interest

Depreciation

-1

Tax %

19.67%

19.23%

27.94%

29.63%

16.42%

16.95%

17.39%

16.28%

29.11%

16.25%

61.36%

-7.81%

-24.73%

Net Profit

-1

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

TTM

Operating Profit

-0

OPM %

-203.25%

91.97%

57.65%

80.47%

71.89%

92.82%

74.30%

53.83%

72.57%

74.81%

19.04%

Interest

Depreciation

Profit before Tax

-0

Tax %

-0.98%

20.87%

25.03%

31.08%

22.22%

18.56%

21.97%

12.75%

24.16%

16.63%

19.53%

Net Profit

-0

EPS

0.00

4.51

0.00

1.46

7.29

1.77

1.05

1.99

2.61

—

Dividend Payout %

0.00%

—

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Equity Capital

Total Liabilities

Cash & Bank

Total Assets

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

-0

-1

-11

-5

-0

-1

Cash from Investing

-4

-3

-9

Cash from Financing

-0

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

74.92

0.20

0.18

0.55

1.92

1.69

2.03

2.08

0.06

Government

0.00

24.83

24.85

24.48

23.11

23.34

23.00

22.95

Team India Guaranty Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI

Team India Guaranty Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI