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Team India Guaranty Ltd (TEAMGTY)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 511559 NSE: TEAMGTY Finance - NBFC | Small Cap | Team India Guaranty Share Price
₹241.90 -3.85 (-1.57%)
As on 18-Sep'26 16:59
Team India Guaranty Ltd (TEAMGTY)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 511559 NSE: TEAMGTY Finance - NBFC | Small Cap | Team India Guaranty Share Price
₹241.90 -3.85 (-1.57%)
As on 18-Sep'26 16:59
Key Metrics
Valuation Multiples
Market Cap
₹218 Cr.
Current Price
₹241.9
52-Week Low / High
₹209 / 335
TTM EPS
₹1.2
Book Value per Share
₹55
P/E Ratio
198.31
Higher than its 5-year historical median
Industry PE
26.9
Price to Book (P/B)
4.40
Higher than its 5-year historical median
EV/EBITDA
156.19
Higher than its 5-year historical median
Dividend Yield
0%
Profitability Efficiency
Return on Equity (ROE)
1.49%
Underperforms industry median
Return on Capital Employed (ROCE)
2.88%
Underperforms industry median
Return on Assets (ROA)
1.47%
In line with industry median
Growth Momentum
1-yr vs 3-yr growth
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Improving versus 3-year growth rate
47.31%
Book Value Growth (1 Year)
Slowing versus 3-year growth rate
1.6%
Asset Quality
Gross NPA(%)
0.00%
Net NPA(%)
0.00%
TTM Sales
₹7.1 Cr.
Reserves
₹40 Cr.
Equity
₹9 Cr.
Face Value
₹10
All Time Low / High
₹2.80 / 334.70
Check Before You Invest
Quality
Not GoodValuation
OvervaluedCheck Valuation charts
Price Trend
Semi Strong
Is Team India Guaranty Ltd a good quality company?
Team India Guaranty Ltd is a weak quality company, based on a inconsistent multi-year financial track record.
This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.
We have analysed the performance of the company on the following:
-
How has it performed on generating Profits?
By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.
-
How efficiently has it grown and managed operations?
By checking its Total Asset growth.
-
How strong is its Capital position and Asset Quality?
By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.
How does Team India Guaranty Ltd performance compare with that of its Peers?
AUM Growth of Team India Guaranty Ltd vs Industry Peers?
Team India Guaranty Ltd AUM CAGR is 4.05%, compared to the 5-year industry median CAGR of 9.93%, indicating slower growth and losing its market share.
Promoter shareholding and pledge status of Team India Guaranty Ltd?
Promoters hold 74.92% of the Team India Guaranty Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Stock return of Team India Guaranty Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 26.1% based on the current price.
10 Year X-Ray :
Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year endData adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
What is a Financial Track Record? How to read this chart in order to understand the data present here?
Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Team India Guaranty Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
| Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 5.6 | 1.1 | 2.9 | 2.4 | 8.7 | 2.7 | 2 | 3.2 | 3.5 | 5.2 | 7 | |
| YoY Gr. Rt. % | - | -80.1% | 163% | -19% | 269.8% | -68.9% | -27.9% | 65.5% | 8.8% | 47.4% | - | |
| Adj EPS (₹ ) | 4.5 | 0.5 | 1.8 | 1.5 | 7.3 | 1.7 | 1 | 2 | 2.6 | 0.8 | 1.2 | |
| YoY Gr. Rt. % | - | -88% | 238.9% | -19.1% | 392.6% | -76.1% | -40.2% | 91.4% | 31.2% | -69.4% | - | |
| BVPS (₹ ) | 31.2 | 31.7 | 37 | 38.4 | 45.7 | 47.5 | 48.5 | 50.5 | 53.1 | 54 | 55 | |
| YoY Gr. Rt. % | - | 1.7% | 16.5% | 4% | 18.9% | 3.9% | 2.2% | 4.1% | 5.2% | 1.6% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 15.1 | 1.6 | 5.2 | 3.9 | 17.2 | 3.7 | 2.2 | 4 | 5 | 1.5 | 0 | |
CAGR ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | -0.8% | -9.9% | 38.4% | 47.4% | ||||
| Adj EPS | -17.5% | -35.7% | -8.4% | -69.4% | ||||
| BVPS | 6.3% | 3.4% | 3.6% | 1.6% | ||||
| Share Price | 26.1% | 40.6% | 55.8% | 5.1% | ||||
Key Financial Ratios
| RATIOS \ YEARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Quality Ratio | To view Asset Quality Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Net NPA to Net Advances (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Capitalization Ratio | To view Capitalization Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Capital Adequacy Ratio (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Margins | ||||||||||||
| Net Profit Margin (%) | 72.8 | 43.4 | 56.3 | 56.3 | 75 | 57.6 | 47.8 | 55.3 | 66.5 | 13.8 | 15.4 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 15.6 | 1.7 | 5.3 | 3.9 | 17.3 | 3.7 | 2.2 | 4 | 5 | 1.5 | 2.2 | |
Valuation of Team India Guaranty - Standalone
Analyst's Notes
No data found!
Management X-Ray
Shareholding Pattern
Promoter's Holding & Share Pledging
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
* Pledged shares as % of Promoter's holding (%)
Financials
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income + | 6 | 1 | 3 | 2 | 9 | 3 | 2 | 3 | 4 | 5 |
| Exceptional Items ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Expenditure ⓘ + | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 4 |
| Exceptional Items ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax ⓘ | 5 | 1 | 2 | 2 | 8 | 2 | 1 | 2 | 3 | 1 |
| Taxes ⓘ | 1 | 0 | 1 | 0 | 1 | 0 | 0 | 1 | 0 | 1 |
| Profit After Tax | 4 | 0 | 2 | 1 | 7 | 2 | 1 | 2 | 2 | 1 |
| Adjusted EPS (₹) | 4.5 | 0.5 | 1.8 | 1.5 | 7.3 | 1.7 | 1.0 | 2.0 | 2.6 | 0.8 |
| Dividend Payout Ratio (%) | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Equity Capital + | 28 | 29 | 33 | 35 | 41 | 43 | 44 | 45 | 48 | 49 |
| Short term borrowings | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long Term Borrowings | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 |
| Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 |
| Trade Payables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | 0 | 0 |
| Total Liabilities ⓘ | 29 | 30 | 33 | 35 | 41 | 43 | 44 | 46 | 48 | 50 |
Assets | ||||||||||
| Non Current Asset + | 24 | 28 | 1 | 15 | 15 | 30 | 42 | 40 | 22 | 38 |
| Current Asset + | 5 | 2 | 32 | 20 | 27 | 13 | 2 | 7 | 26 | 12 |
| Total Assets ⓘ | 29 | 30 | 33 | 35 | 41 | 43 | 44 | 46 | 48 | 50 |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ | 4 | -1 | -1 | -11 | -6 | 3 | 8 | -0 | -1 | -37 |
| Cash Flow From Investing Activity ⓘ | -4 | 1 | 1 | 11 | 6 | -3 | -9 | 1 | 3 | 40 |
| Cash Flow From Financing Activity ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Cash Flow ⓘ | 0 | -0 | 0 | 0 | 0 | -0 | -0 | 1 | 1 | 3 |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
Operational & Financial Ratios | ||||||||||
| EPS (₹) | 4.50 | 0.50 | 1.80 | 1.50 | 7.30 | 1.70 | 1 | 2 | 2.60 | 0.80 |
| DPS (₹) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| BVPS (₹) | 31.2 | 31.7 | 37 | 38.4 | 45.7 | 47.5 | 48.5 | 50.5 | 53.1 | 54 |
Performance Ratios | ||||||||||
| ROA (%) | 15.1 | 1.6 | 5.2 | 3.9 | 17.2 | 3.7 | 2.2 | 4.0 | 5.0 | 1.5 |
| ROE (%) | 15.6 | 1.7 | 5.3 | 3.9 | 17.3 | 3.7 | 2.2 | 4.0 | 5.0 | 1.5 |
| ROCE (%) | 19.7 | 2.3 | 7.7 | 5.1 | 21.5 | 4.8 | 2.5 | 5.3 | 6.0 | 2.9 |
Valuation Parameters | ||||||||||
| Price/Book(x) | 1.1 | 1.3 | 1.0 | 0.4 | 0.6 | 1.2 | 1.0 | 1.8 | 3.2 | 4.7 |
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Team India Guaranty Ltd FAQs
The current trading price of Team India Guaranty on 18-Sep-2026 16:59 is ₹241.9.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 17-Sep-2026 the market cap of Team India Guaranty stood at ₹217.5 Cr
The latest P/E ratio of Team India Guaranty as of 17-Sep-2026 is 198.3.
The latest P/B ratio of Team India Guaranty as of 17-Sep-2026 is 4.40.
The 52-week high of Team India Guaranty is ₹334.7 and the 52-week low is ₹209.0.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Team India Guaranty is ₹7.11 ( Cr.) .
Past 10 year’s financial track record analysis by Moneyworks4me indicates that Team India Guaranty Ltd is a below average quality company.
The key valuation ratios of Team India Guaranty Ltd's currently when compared to its past seem to suggest it is in the Overvalued zone.
The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of Team India Guaranty Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.
About Team India Guaranty Ltd
Times Guaranty was incorporated on December 11, 1989 and received the certificate of commencement of business on December 12, 1989 and became active in February 1990.
In April, 1991, the company further diversified into Portfolio Mnagement Services. In 1993, the company became an active player in the OTCEI. During this time the company started investments and trading in equities in the secondary market; on its own portfolio. The company is authorized with SEBI as Category I Merchant Banker and has also acquired membership of Over the Counter Exchange of India.
The registered office of the company is situated at Trade House, 1st Floor, Kamala Mills Compound, Senapati Bapat Marg, Lower Parel Mumbai, Maharashtra- 400013.
Business area of the company
The company’s principal activity is to offer investment banking and securities brokerage services. It includes investing and financial activities, source of which recovery of past dues and Company business activities are confined.
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