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.

Are Times Guaranty latest results good or bad?

Times Guaranty's latest results show mixed performance; while operating profit and profit before tax reached five-quarter highs, the standalone net profit declined by 22.22%, leading to a 'Sell' recommendation from MarketsMOJO. Overall, the results indicate stagnation, suggesting caution for investors.

Times Guaranty's latest results indicate a mixed performance. While the company experienced a flat overall financial performance, there are some positive highlights. The operating profit reached Rs 0.78 crore, which is the highest in the last five quarters, and the profit before tax also hit a five-quarter high at Rs 0.79 crore. This suggests a positive trend in these areas.<BR><BR>However, it's important to note that the standalone net profit saw a decline of 22.22% compared to the previous quarter, which is a concerning sign. Additionally, despite a significant growth in net sales of 28.57%, the overall score for the company has decreased from 4 to 2 over the past three months, leading to a 'Sell' recommendation from MarketsMOJO.<BR><BR>In summary, while there are some encouraging signs in operating profit and profit before tax, the decline in net profit and the overall stagnation in performance indicate that the results are not entirely positive. Investors should keep a close eye on the company's performance in the upcoming quarters.

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.

Should I buy, sell or hold Team India Guar.?

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.

Which are the latest news on Team India Guar.?

Why is Team India Guar. falling/rising?

As of 03-Dec, Team India Guaranty Ltd's stock is experiencing a decline of 0.97%, despite strong long-term performance, and is underperforming its sector significantly today. The stock is trading below its moving averages and has seen a notable drop in investor participation, indicating a bearish trend.

As of 03-Dec, Team India Guaranty Ltd's stock price is currently falling, as indicated by a change of -2.6, which represents a decrease of 0.97%. This decline is occurring despite the stock's strong performance over the longer term, with a year-to-date increase of 62.79% and a one-year increase of 86.54%. However, recent performance metrics show that the stock has underperformed its sector significantly today, by 98.94%. <BR><BR>Additionally, the stock is trading below its moving averages across various time frames, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, which typically signals a bearish trend. There has also been a notable drop in investor participation, with delivery volume on December 2nd falling by 49.2% compared to the 5-day average. This decline in trading activity, combined with the stock's erratic trading pattern—having not traded on one day out of the last 20—contributes to the current downward pressure on the stock price.