Share Price and Basic Stock Data
Last Updated: August 12, 2025, 10:38 pm
| PEG Ratio | -5.93 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Times Guaranty Ltd operates within the Finance & Investments sector, with its current market capitalization standing at ₹260 Cr and a stock price of ₹286. The company has demonstrated fluctuating revenue performance over the years. Annual sales reported in March 2024 were ₹3.24 Cr, increasing to ₹3.53 Cr in March 2025. Quarterly sales also showed a gradual upward trend, with ₹0.81 Cr in December 2023 and ₹0.85 Cr in June 2024, indicating a consistent recovery post-pandemic. However, the historical context reveals volatility, as sales were as low as ₹0.12 Cr in March 2016 and peaked at ₹8.74 Cr in March 2021. The revenue figures suggest a potential rebound, but the significant variability raises questions about the sustainability of this growth trajectory.
Profitability and Efficiency Metrics
In terms of profitability, Times Guaranty Ltd reported a net profit of ₹2.35 Cr for the fiscal year ending March 2025, reflecting an increase from ₹1.79 Cr in March 2024. The operating profit margin (OPM) stood at an impressive 70.41%, indicating strong operational efficiency relative to its sales. However, the overall profitability ratios reveal mixed performance; the return on equity (ROE) was recorded at 5.04%, which is considerably low compared to industry benchmarks. Additionally, the interest coverage ratio (ICR) was at 0.00x, indicating that the company has not incurred any borrowings, which could be a double-edged sword, as it limits financial leverage while ensuring no interest obligations. The company’s operational efficiency metrics, including OPM and net profit margin of 66.50%, suggest that it is managing its costs effectively, though its ROE underscores the need for better capital utilization.
Balance Sheet Strength and Financial Ratios
The balance sheet of Times Guaranty Ltd appears robust, with total assets amounting to ₹47.93 Cr as of March 2025, supported by reserves of ₹38.77 Cr and zero borrowings. This lack of debt positions the company favorably regarding financial stability and risk exposure. The book value per share stood at ₹53.06, reflecting a solid capital base. However, the price-to-book value (P/BV) ratio of 3.20x indicates that the stock may be trading at a premium compared to its book value, suggesting market expectations for future growth. The current ratio at 310.27x and quick ratio also at 310.27x highlight exceptional liquidity, which can be beneficial in meeting short-term obligations. Despite these positives, the low return on capital employed (ROCE) of 6.05% suggests inefficiencies in generating returns from its capital base, a critical area for improvement.
Shareholding Pattern and Investor Confidence
Currently, there is a lack of publicly available data regarding the shareholding pattern for Times Guaranty Ltd, including the stakes held by promoters, foreign institutional investors (FIIs), domestic institutional investors (DIIs), and the general public. This absence of information can create uncertainty regarding investor confidence and the company’s governance structure. The company’s high price-to-earnings (P/E) ratio of 110 may reflect optimistic market sentiment, but without clear insights into shareholding dynamics, it becomes challenging to gauge long-term investor commitment. The absence of borrowings signifies a conservative approach to capital structure, which may appeal to risk-averse investors. However, the lack of clarity in the shareholding structure could deter potential investors looking for transparency, which is vital for building confidence in the stock.
Outlook, Risks, and Final Insight
Looking ahead, Times Guaranty Ltd faces a mixed outlook. The company’s ability to sustain revenue growth and improve profitability ratios will be critical. Strengths include a strong balance sheet with zero debt and a high operating profit margin, which provides a buffer against market volatility. However, risks include a low return on equity and a lack of clarity on shareholding patterns, which could impact investor confidence and stock performance. Additionally, the company’s historical performance shows significant fluctuations in revenue, which raises concerns about consistency and future earnings stability. The management’s focus on enhancing capital efficiency and transparency will be crucial in attracting and retaining investors. If the company can successfully navigate these challenges, it may unlock further value for shareholders.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Modern Shares & Stockbrokers Ltd | 11.8 Cr. | 40.3 | 64.0/36.4 | 47.2 | 44.4 | 0.00 % | 3.32 % | 1.74 % | 10.0 |
| Monarch Networth Capital Ltd | 2,482 Cr. | 313 | 484/280 | 16.0 | 111 | 0.32 % | 33.3 % | 26.2 % | 10.0 |
| Monotype India Ltd | 30.2 Cr. | 0.43 | 1.71/0.38 | 4.19 | 0.03 | 0.00 % | 286 % | % | 1.00 |
| Multipurpose Trading & Agencies Ltd | 5.04 Cr. | 10.2 | 11.6/8.25 | 9.25 | 0.00 % | 3.68 % | 3.38 % | 10.0 | |
| Munoth Financial Services Ltd | 21.8 Cr. | 42.4 | 69.9/38.6 | 19.9 | 0.00 % | 2.41 % | 3.38 % | 10.0 | |
| Industry Average | 7,293.96 Cr | 1,366.78 | 77.89 | 3,844.57 | 0.35% | 21.71% | 14.20% | 7.28 |
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
Below is a detailed analysis of the quarterly data for Times Guaranty Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Sales, as of Mar 2025, the value is 0.98 Cr.. The value appears strong and on an upward trend. It has increased from 0.85 Cr. (Dec 2024) to 0.98 Cr., marking an increase of 0.13 Cr..
- For Expenses, as of Mar 2025, the value is 0.29 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 0.16 Cr. (Dec 2024) to 0.29 Cr., marking an increase of 0.13 Cr..
- For Operating Profit, as of Mar 2025, the value is 0.69 Cr.. The value remains steady. There is no change compared to the previous period (Dec 2024) which recorded 0.69 Cr..
- For OPM %, as of Mar 2025, the value is 70.41%. The value appears to be declining and may need further review. It has decreased from 81.18% (Dec 2024) to 70.41%, marking a decrease of 10.77%.
- For Other Income, as of Mar 2025, the value is 0.17 Cr.. The value appears strong and on an upward trend. It has increased from 0.00 Cr. (Dec 2024) to 0.17 Cr., marking an increase of 0.17 Cr..
- For Interest, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Dec 2024) which recorded 0.00 Cr..
- For Depreciation, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Dec 2024) which recorded 0.00 Cr..
- For Profit before tax, as of Mar 2025, the value is 0.86 Cr.. The value appears strong and on an upward trend. It has increased from 0.69 Cr. (Dec 2024) to 0.86 Cr., marking an increase of 0.17 Cr..
- For Tax %, as of Mar 2025, the value is 16.28%. The value appears to be improving (decreasing) as expected. It has decreased from 17.39% (Dec 2024) to 16.28%, marking a decrease of 1.11%.
- For Net Profit, as of Mar 2025, the value is 0.72 Cr.. The value appears strong and on an upward trend. It has increased from 0.58 Cr. (Dec 2024) to 0.72 Cr., marking an increase of 0.14 Cr..
- For EPS in Rs, as of Mar 2025, the value is 0.80. The value appears strong and on an upward trend. It has increased from 0.64 (Dec 2024) to 0.80, marking an increase of 0.16.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
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% |
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 |
Below is a detailed analysis of the balance sheet data for Times Guaranty Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, the value is 9.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 9.00 Cr..
- For Reserves, as of Mar 2025, the value is 38.77 Cr.. The value appears strong and on an upward trend. It has increased from 36.43 Cr. (Mar 2024) to 38.77 Cr., marking an increase of 2.34 Cr..
- For Borrowings, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. Additionally, since Reserves exceed Borrowings, this is considered a positive sign. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
- For Other Liabilities, as of Mar 2025, the value is 0.16 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 0.07 Cr. (Mar 2024) to 0.16 Cr., marking an increase of 0.09 Cr..
- For Total Liabilities, as of Mar 2025, the value is 47.93 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 45.50 Cr. (Mar 2024) to 47.93 Cr., marking an increase of 2.43 Cr..
- For Fixed Assets, as of Mar 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 0.07 Cr. (Mar 2024) to 0.00 Cr., marking a decrease of 0.07 Cr..
- For CWIP, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
- For Investments, as of Mar 2025, the value is 29.51 Cr.. The value appears strong and on an upward trend. It has increased from 23.30 Cr. (Mar 2024) to 29.51 Cr., marking an increase of 6.21 Cr..
- For Other Assets, as of Mar 2025, the value is 18.42 Cr.. The value appears to be declining and may need further review. It has decreased from 22.13 Cr. (Mar 2024) to 18.42 Cr., marking a decrease of 3.71 Cr..
- For Total Assets, as of Mar 2025, the value is 47.93 Cr.. The value appears strong and on an upward trend. It has increased from 45.50 Cr. (Mar 2024) to 47.93 Cr., marking an increase of 2.43 Cr..
Notably, the Reserves (38.77 Cr.) exceed the Borrowings (0.00 Cr.), indicating a solid financial buffer.
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
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.
No data available for the Financial Efficiency data table.
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.
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 |
After reviewing the key financial ratios for Times Guaranty Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 25, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 10.00.
- For Basic EPS (Rs.), as of Mar 25, the value is 2.60. This value is below the healthy minimum of 5. It has increased from 1.98 (Mar 24) to 2.60, marking an increase of 0.62.
- For Diluted EPS (Rs.), as of Mar 25, the value is 2.60. This value is below the healthy minimum of 5. It has increased from 1.98 (Mar 24) to 2.60, marking an increase of 0.62.
- For Cash EPS (Rs.), as of Mar 25, the value is 2.61. This value is below the healthy minimum of 3. It has increased from 1.99 (Mar 24) to 2.61, marking an increase of 0.62.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 53.06. It has increased from 50.47 (Mar 24) to 53.06, marking an increase of 2.59.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 53.06. It has increased from 50.47 (Mar 24) to 53.06, marking an increase of 2.59.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 3.92. It has increased from 3.60 (Mar 24) to 3.92, marking an increase of 0.32.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 3.13. This value is within the healthy range. It has increased from 2.63 (Mar 24) to 3.13, marking an increase of 0.50.
- For PBIT / Share (Rs.), as of Mar 25, the value is 3.13. This value is within the healthy range. It has increased from 2.63 (Mar 24) to 3.13, marking an increase of 0.50.
- For PBT / Share (Rs.), as of Mar 25, the value is 3.13. This value is within the healthy range. It has increased from 2.63 (Mar 24) to 3.13, marking an increase of 0.50.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 2.61. This value is within the healthy range. It has increased from 1.99 (Mar 24) to 2.61, marking an increase of 0.62.
- For PBDIT Margin (%), as of Mar 25, the value is 79.76. This value is within the healthy range. It has increased from 72.85 (Mar 24) to 79.76, marking an increase of 6.91.
- For PBIT Margin (%), as of Mar 25, the value is 79.76. This value exceeds the healthy maximum of 20. It has increased from 72.85 (Mar 24) to 79.76, marking an increase of 6.91.
- For PBT Margin (%), as of Mar 25, the value is 79.76. This value is within the healthy range. It has increased from 72.85 (Mar 24) to 79.76, marking an increase of 6.91.
- For Net Profit Margin (%), as of Mar 25, the value is 66.50. This value exceeds the healthy maximum of 10. It has increased from 55.24 (Mar 24) to 66.50, marking an increase of 11.26.
- For Return on Networth / Equity (%), as of Mar 25, the value is 4.91. This value is below the healthy minimum of 15. It has increased from 3.94 (Mar 24) to 4.91, marking an increase of 0.97.
- For Return on Capital Employeed (%), as of Mar 25, the value is 5.89. This value is below the healthy minimum of 10. It has increased from 5.20 (Mar 24) to 5.89, marking an increase of 0.69.
- For Return On Assets (%), as of Mar 25, the value is 4.89. This value is below the healthy minimum of 5. It has increased from 3.93 (Mar 24) to 4.89, marking an increase of 0.96.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.07. There is no change compared to the previous period (Mar 24) which recorded 0.07.
- For Current Ratio (X), as of Mar 25, the value is 310.27. This value exceeds the healthy maximum of 3. It has decreased from 641.96 (Mar 24) to 310.27, marking a decrease of 331.69.
- For Quick Ratio (X), as of Mar 25, the value is 310.27. This value exceeds the healthy maximum of 2. It has decreased from 641.96 (Mar 24) to 310.27, marking a decrease of 331.69.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 3. It has decreased from 23,633.00 (Mar 24) to 0.00, marking a decrease of 23,633.00.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 3. It has decreased from 17,923.00 (Mar 24) to 0.00, marking a decrease of 17,923.00.
- For Enterprise Value (Cr.), as of Mar 25, the value is 135.76. It has increased from 61.83 (Mar 24) to 135.76, marking an increase of 73.93.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 38.47. This value exceeds the healthy maximum of 3. It has increased from 19.06 (Mar 24) to 38.47, marking an increase of 19.41.
- For EV / EBITDA (X), as of Mar 25, the value is 48.22. This value exceeds the healthy maximum of 15. It has increased from 26.16 (Mar 24) to 48.22, marking an increase of 22.06.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 43.34. This value exceeds the healthy maximum of 3. It has increased from 25.52 (Mar 24) to 43.34, marking an increase of 17.82.
- For Price / BV (X), as of Mar 25, the value is 3.20. This value exceeds the healthy maximum of 3. It has increased from 1.82 (Mar 24) to 3.20, marking an increase of 1.38.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 43.34. This value exceeds the healthy maximum of 3. It has increased from 25.52 (Mar 24) to 43.34, marking an increase of 17.82.
- For EarningsYield, as of Mar 25, the value is 0.01. This value is below the healthy minimum of 5. It has decreased from 0.02 (Mar 24) to 0.01, marking a decrease of 0.01.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Times Guaranty Ltd:
- Net Profit Margin: 66.5%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 5.89% (Industry Average ROCE: 21.71%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 4.91% (Industry Average ROE: 14.2%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 0
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 310.27
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 110 (Industry average Stock P/E: 77.89)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 0
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 66.5%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Non-Banking Financial Company (NBFC) | A-602, Marathon NextGen Innova, Ganpatrao Kadam Marg, Mumbai Maharashtra 400013 | newberryaarti@gmail.com http://www.teamindiaguarantylimited.com |
| 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?
Times Guaranty Ltd's intrinsic value (as of 05 January 2026) is ₹240.22 which is 16.01% lower the current market price of ₹286.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹260 Cr. market cap, FY2025-2026 high/low of ₹317/110, reserves of ₹38.77 Cr, and liabilities of ₹47.93 Cr.
What is the Market Cap of Times Guaranty Ltd?
The Market Cap of Times Guaranty Ltd is 260 Cr..
What is the current Stock Price of Times Guaranty Ltd as on 05 January 2026?
The current stock price of Times Guaranty Ltd as on 05 January 2026 is ₹286.
What is the High / Low of Times Guaranty Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Times Guaranty Ltd stocks is ₹317/110.
What is the Stock P/E of Times Guaranty Ltd?
The Stock P/E of Times Guaranty Ltd is 110.
What is the Book Value of Times Guaranty Ltd?
The Book Value of Times Guaranty Ltd is 53.1.
What is the Dividend Yield of Times Guaranty Ltd?
The Dividend Yield of Times Guaranty Ltd is 0.00 %.
What is the ROCE of Times Guaranty Ltd?
The ROCE of Times Guaranty Ltd is 6.05 %.
What is the ROE of Times Guaranty Ltd?
The ROE of Times Guaranty Ltd is 5.04 %.
What is the Face Value of Times Guaranty Ltd?
The Face Value of Times Guaranty Ltd is 10.0.