Times Guaranty Ltd: Intrinsic Value & Share Price Analysis

Q: What is the current share price and 52-week range of Times Guaranty Ltd?

Times Guaranty Ltd is trading at 286.00 as of 05 April 2026, with a FY2026-2027 high of 317 and low of 110. The stock is currently near its 52-week high. Market cap stands at 260 Cr..

Q: Is Times Guaranty Ltd financially healthy?

Key indicators: ROCE of 6.05 % is on the lower side. Dividend yield is 0.00 %.

Q: Is Times Guaranty Ltd profitable and how is the profit trend?

Times Guaranty Ltd reported a net profit of 2 Cr in Mar 2025 on revenue of 4 Cr. Compared to 2 Cr in Mar 2022, the net profit shows an improving trend.

Fair Value

₹240.22Overvalued by 16.01%vs CMP ₹286.00

P/E (110.0) × ROE (5.0%) × BV (₹53.10) × DY (2.00%)

₹73.39Overvalued by 74.34%vs CMP ₹286.00

MoS: -289.7% (Negative)Confidence: 68/100 (Moderate)Models: All 9: Overvalued

Model	Category	Value	Weight	Signal
PE-ROE	Earnings	₹195.66	22%	Over (-31.6%)
Graham Number	Earnings	₹55.84	16%	Over (-80.5%)
Earnings Power	Earnings	₹15.97	11%	Over (-94.4%)
DCF	Cash Flow	₹25.49	13%	Over (-91.1%)
Net Asset Value	Assets	₹52.55	7%	Over (-81.6%)
EV/EBITDA	Enterprise	₹23.23	9%	Over (-91.9%)
Earnings Yield	Earnings	₹26.10	7%	Over (-90.9%)
ROCE Capital	Returns	₹86.40	9%	Over (-69.8%)
Revenue Multiple	Revenue	₹3.88	5%	Over (-98.6%)
Consensus (9 models)		₹73.39	100%	Overvalued

Key Drivers: EPS CAGR -18.5% drags value — could be higher if earnings stabilize. | P/E of 110 makes PE-ROE unreliable — asset/earnings models are better benchmarks.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: -18.5%

*Investments are subject to market risks

Investment Snapshot

Times Guaranty Ltd scores 61/100 (Average)

Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison

Stock Health58/100 · Moderate

ROCE 6.1% WeakROE 5.0% WeakD/E 0.00 Low debtInterest Coverage 0.0x RiskyProfitable 5/5 years Consistent

Smart Money50/100 · Moderate

Earnings Quality65/100 · Strong

OPM expanding (64% → 74%) Improving

Quarterly Momentum90/100 · Strong

Revenue (4Q): +9% YoY GrowingProfit (4Q): +31% YoY StrongOPM: 70.4% (up 5.3% YoY) Margin expansion

Industry Rank30/100 · Weak

P/E 110.0 vs industry 98.5 In-lineROCE 6.1% vs industry 21.7% Below peersROE 5.0% vs industry 14.2% Below peers3Y sales CAGR: 9% Moderate

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

Times Guaranty Ltd Investor Signals

Computed from valuation, cash flow, balance sheet, ownership and quarterly trend data already available in this stock page.

Value Trap Score

40/100

Moderate

Derived from: Cheapness + weak quality + weak cash support

Current data: P/E 110.0 vs Ind 98.5 | ROCE 6.1% | ROE 5.0% | CFO/NP N/A

Balance Sheet Stress

0/100

Comfortable

Derived from: Leverage + debt servicing + liquidity + debt trend

Current data: D/E 0.00x | IntCov 0.0x | Current 157.68x | Borrow/Reserve 0.00x

Cash Flow Reliability

43/100

Mixed

Derived from: Cash backing of earnings + working capital pressure

Current data: CFO ₹0 Cr | NP ₹2 Cr | CFO/NP N/A

Ownership Accumulation

Neutral

Derived from: FII + DII + promoter direction, adjusted by crowding

Current data: FII N/A | DII N/A | Prom N/A

Business Momentum

Watch closely

Derived from: Latest quarter sales + profit + OPM change

Current data: Q Sales +15.3% | Q NP +24.1% | Q OPM -10.8 pp

Derived Field	Value	How it is derived
Valuation Gap %	-74.3%	((Fair Value - CMP) / CMP) × 100
Borrowings / Reserves	0.00x	Latest borrowings divided by latest reserves
CFO / Net Profit	N/A	Latest operating cash flow divided by latest net profit
FII Change	N/A	Latest FII% minus previous FII%
DII Change	N/A	Latest DII% minus previous DII%
Promoter Change	N/A	Latest promoter% minus previous promoter%
Shareholder Count Change	N/A	Latest shareholder count minus previous count
Quarterly Sales Change	+15.3%	Latest quarter sales vs previous quarter sales
Quarterly Profit Change	+24.1%	Latest quarter net profit vs previous quarter net profit
Quarterly OPM Change	-10.8 pp	Latest quarter OPM minus previous quarter OPM

Share Price and Basic Stock Data

Last Updated: August 12, 2025, 10:38 pm

Market Cap	260 Cr.
Current Price	286
Intrinsic Value	₹73.39
High / Low	317/110
Stock P/E	110
Book Value	53.1
Dividend Yield	0.00 %
ROCE	6.05 %
ROE	5.04 %
Face Value	10.0
PEG Ratio	-5.93

Stock P/E, Current Price, and Intrinsic Value Over Time

Stock P/E Current Price Intrinsic Value

View Share Price Target for Times Guaranty Ltd

Competitors

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
Times Guaranty Ltd	260 Cr.	286	317/110	110	53.1	0.00 %	6.05 %	5.04 %	10.0
Ascom Leasing & Investments Ltd	265 Cr.	227	243/76.6	51.2	44.8	0.00 %	14.4 %	10.8 %	10.0
Alacrity Securities Ltd	254 Cr.	54.3	87.8/42.9	38.3	23.1	0.00 %	21.5 %	16.4 %	10.0
Corporate Merchant Bankers Ltd	278 Cr.	43.9	414/39.7	65.9	1.09	0.00 %	5.88 %	51.2 %	10.0
Fundviser Capital (India) Ltd	229 Cr.	387	401/127	177	34.4	0.00 %	3.76 %	2.88 %	10.0
Industry Average	6,725.79 Cr	1,029.64		98.51	4,364.49	0.43%	21.71%	14.20%	7.23

All Competitor Stocks of Times Guaranty Ltd

Quarterly Result

Metric	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025
Sales	1.00	0.54	0.33	0.70	0.77	0.80	0.80	0.81	0.83	0.85	0.86	0.85	0.98
Expenses	0.30	0.15	0.55	0.14	0.44	0.19	0.29	0.13	0.29	0.18	0.27	0.16	0.29
Operating Profit	0.70	0.39	-0.22	0.56	0.33	0.61	0.51	0.68	0.54	0.67	0.59	0.69	0.69
OPM %	70.00%	72.22%	-66.67%	80.00%	42.86%	76.25%	63.75%	83.95%	65.06%	78.82%	68.60%	81.18%	70.41%
Other Income	0.00	0.00	0.00	0.02	0.00	0.00	0.01	0.00	0.00	0.00	0.00	0.00	0.17
Interest	0.01	0.00	0.00	0.00	0.01	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Depreciation	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit before tax	0.69	0.39	-0.22	0.58	0.32	0.61	0.52	0.68	0.54	0.67	0.59	0.69	0.86
Tax %	26.09%	20.51%	-9.09%	18.97%	-9.38%	19.67%	19.23%	27.94%	29.63%	16.42%	16.95%	17.39%	16.28%
Net Profit	0.51	0.31	-0.20	0.47	0.36	0.50	0.42	0.49	0.39	0.56	0.50	0.58	0.72
EPS in Rs	0.57	0.34	-0.22	0.52	0.40	0.56	0.47	0.54	0.43	0.62	0.56	0.64	0.80

Last Updated: May 31, 2025, 7:30 am

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: June 16, 2025, 3:42 pm

Metric	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Sales	1.65	0.57	0.12	5.57	1.11	2.95	2.36	8.74	2.72	1.96	3.24	3.53
Expenses	0.30	0.38	0.37	0.44	0.47	0.57	0.66	0.63	0.69	0.90	0.89	0.89
Operating Profit	1.35	0.19	-0.25	5.13	0.64	2.38	1.70	8.11	2.03	1.06	2.35	2.64
OPM %	81.82%	33.33%	-208.33%	92.10%	57.66%	80.68%	72.03%	92.79%	74.63%	54.08%	72.53%	74.79%
Other Income	0.01	0.01	0.00	0.00	0.00	0.00	0.01	0.01	0.00	0.02	0.01	0.18
Interest	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.07	0.02	0.01	0.00	0.00
Depreciation	0.03	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit before tax	1.33	0.20	-0.25	5.13	0.64	2.38	1.71	8.05	2.01	1.07	2.36	2.82
Tax %	10.53%	5.00%	0.00%	20.86%	25.00%	31.09%	22.22%	18.51%	21.89%	13.08%	24.15%	16.67%
Net Profit	1.19	0.19	-0.25	4.06	0.48	1.64	1.33	6.55	1.57	0.94	1.79	2.35
EPS in Rs	1.32	0.21	-0.28	4.51	0.53	1.82	1.48	7.28	1.75	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%	0.00%	0.00%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2014-2015	2015-2016	2016-2017	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024	2024-2025
YoY Net Profit Growth (%)	-84.03%	-231.58%	1724.00%	-88.18%	241.67%	-18.90%	392.48%	-76.03%	-40.13%	90.43%	31.28%
Change in YoY Net Profit Growth (%)	0.00%	-147.55%	1955.58%	-1812.18%	329.84%	-260.57%	411.38%	-468.51%	35.90%	130.55%	-59.14%

Times Guaranty Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.

No data available for the compounded sales growth chart.

Balance Sheet

Last Updated: June 16, 2025, 11:11 am

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	9.00	9.00	9.00	9.00	9.00	9.00	9.00	9.00	9.00	9.00	9.00	9.00
Reserves	15.08	15.26	15.01	19.07	19.55	24.25	25.57	32.11	33.71	34.65	36.43	38.77
Borrowings	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Liabilities	0.77	0.84	0.88	1.04	1.04	0.09	0.15	0.27	0.07	0.06	0.07	0.16
Total Liabilities	24.85	25.10	24.89	29.11	29.59	33.34	34.72	41.38	42.78	43.71	45.50	47.93
Fixed Assets	0.00	0.00	0.00	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.07	0.00
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	23.54	23.82	23.65	28.04	28.25	32.20	22.62	24.86	30.55	41.09	23.30	29.51
Other Assets	1.31	1.28	1.24	1.00	1.27	1.07	12.03	16.45	12.16	2.55	22.13	18.42
Total Assets	24.85	25.10	24.89	29.11	29.59	33.34	34.72	41.38	42.78	43.71	45.50	47.93

Reserves and Borrowings Chart

Cash Flow - No data available for this post.

Free Cash Flow

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Free Cash Flow	1.35	0.19	-0.25	5.13	0.64	2.38	1.70	8.11	2.03	1.06	2.35	2.64

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

No data available for the Financial Efficiency data table.

Financial Efficiency Indicators Chart

No data available for the Shareholding

No data available for the Shareholding Pattern chart.

No data available for the No. of Shareholders chart.

This stock is not held by any mutual fund.

ROCE Trend

EPS Trend

Key Financial Ratios

Month	Mar 25	Mar 24	Mar 23	Mar 22	Mar 21
FaceValue	10.00	10.00	10.00	10.00	10.00
Basic EPS (Rs.)	2.60	1.98	1.05	1.77	7.29
Diluted EPS (Rs.)	2.60	1.98	1.05	1.77	7.29
Cash EPS (Rs.)	2.61	1.99	1.04	1.74	7.28
Book Value[Excl.RevalReserv]/Share (Rs.)	53.06	50.47	48.49	47.44	45.67
Book Value[Incl.RevalReserv]/Share (Rs.)	53.06	50.47	48.49	47.44	45.67
Revenue From Operations / Share (Rs.)	3.92	3.60	2.18	3.02	9.71
PBDIT / Share (Rs.)	3.13	2.63	1.20	2.24	9.02
PBIT / Share (Rs.)	3.13	2.63	1.20	2.24	9.02
PBT / Share (Rs.)	3.13	2.63	1.19	2.23	8.94
Net Profit / Share (Rs.)	2.61	1.99	1.04	1.74	7.28
PBDIT Margin (%)	79.76	72.85	55.01	74.06	92.87
PBIT Margin (%)	79.76	72.85	55.01	74.06	92.87
PBT Margin (%)	79.76	72.85	54.75	73.76	92.08
Net Profit Margin (%)	66.50	55.24	47.77	57.56	74.99
Return on Networth / Equity (%)	4.91	3.94	2.14	3.66	15.94
Return on Capital Employeed (%)	5.89	5.20	2.47	4.71	19.73
Return On Assets (%)	4.89	3.93	2.14	3.65	15.83
Asset Turnover Ratio (%)	0.07	0.07	0.04	0.06	0.22
Current Ratio (X)	310.27	641.96	685.90	563.19	157.68
Quick Ratio (X)	310.27	641.96	685.90	563.19	157.68
Interest Coverage Ratio (X)	0.00	23633.00	215.70	251.76	117.79
Interest Coverage Ratio (Post Tax) (X)	0.00	17923.00	188.30	196.66	96.11
Enterprise Value (Cr.)	135.76	61.83	24.17	49.40	22.35
EV / Net Operating Revenue (X)	38.47	19.06	12.33	18.16	2.56
EV / EBITDA (X)	48.22	26.16	22.41	24.52	2.75
MarketCap / Net Operating Revenue (X)	43.34	25.52	22.59	18.29	2.64
Price / BV (X)	3.20	1.82	1.01	1.16	0.56
Price / Net Operating Revenue (X)	43.34	25.52	22.60	18.29	2.64
EarningsYield	0.01	0.02	0.02	0.03	0.28

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

Team India Guaranty Ltd. is a Public Limited Listed company incorporated on 27/11/1989 and has its registered office in the State of Maharashtra, India. Company's Corporate Identification Number(CIN) is L65920MH1989PLC054398 and registration number is 054398. Currently Company is involved in the business activities of Trusts, funds and other financial vehicles. Company's Total Operating Revenue is Rs. 3.53 Cr. and Equity Capital is Rs. 9.00 Cr. for the Year ended 31/03/2025.

INDUSTRY	ADDRESS	CONTACT
Non-Banking Financial Company (NBFC)	A-602, Marathon NextGen Innova, Ganpatrao Kadam Marg, Mumbai Maharashtra 400013	Contact not found

Management
Name	Position Held
Mr. Ashok Anant Paranjpe	Chairman(NonExe.&Ind.Director)
Mr. Niru Shiv Kumar Kanodia	Executive Director & CEO
Mr. Satish Maruti Mangutkar	Non Executive Director
Mr. Surajkumar Omprakash Saraogi	Non Executive Director
Ms. Anita Malusare	Non Executive Director
Mrs. Sreedevi Pillai	Ind. Non-Executive Director

FAQ

What is the intrinsic value of Times Guaranty Ltd and is it undervalued?

As of 05 April 2026, Times Guaranty Ltd's intrinsic value is ₹73.39, which is 74.34% lower than the current market price of ₹286.00, suggesting the stock is overvalued. This is calculated using the PE ratio method factoring in ROE (5.04 %), book value (₹53.1), dividend yield (0.00 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Times Guaranty Ltd?

Times Guaranty Ltd is trading at ₹286.00 as of 05 April 2026, with a FY2026-2027 high of ₹317 and low of ₹110. The stock is currently near its 52-week high. Market cap stands at ₹260 Cr..

How does Times Guaranty Ltd's P/E ratio compare to its industry?

Times Guaranty Ltd has a P/E ratio of 110, which is above the industry average of 98.51. The premium over industry average may reflect growth expectations or speculative interest.

Is Times Guaranty Ltd financially healthy?

Key indicators for Times Guaranty Ltd: ROCE of 6.05 % is on the lower side compared to the industry average of 21.71%; ROE of 5.04 % is below ideal levels (industry average: 14.20%). Dividend yield is 0.00 %.

Is Times Guaranty Ltd profitable and how is the profit trend?

Times Guaranty Ltd reported a net profit of ₹2 Cr in Mar 2025 on revenue of ₹4 Cr. Compared to ₹2 Cr in Mar 2022, the net profit shows an improving trend.

Does Times Guaranty Ltd pay dividends?

Times Guaranty Ltd has a dividend yield of 0.00 % at the current price of ₹286.00. The company is currently not paying meaningful dividends.