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Team India Guaranty Limited (TEAMGTY) Fair Value & Analysis

Financial Services · IN · Market cap ₹2.1B

TI Team India Guaranty Limited TEAMGTY · NSE
Price₹223.80
Fair Value₹32.32
Upside-85.6%
Quality60/100
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Weak Growth
Solidly profitable · 13.1% net margin
Low debt · generates free cash flow
Trails peers (4/12)
Narrow moat 23/100
Evidence: High Range ₹32.32 – ₹32.32 Share as image

Fair value as of: Aug 8, 2026

From 23 valuation models · updated today

Fair value updated Aug 8, 2026, revised from ₹13.55 to ₹32.32 (+138.5%) since Jul 3, 2026. Share price −1.8% over the past month.

A solid business, but screening 86% overvalued on our models.

What matters now

  • The price sits above even our optimistic bull case (₹32.32). The favourable scenario is already priced in.
  • Solid but not exceptional quality (60/100) and above fair value, neither a clear bargain nor a standout compounder.
  • For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
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Price vs Fair Value (5 years)

₹312.00 ₹28.20 Fair Value ₹32.32 Apr 2021 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 8, 2026.

How to read this chart

60‑month range ₹28.20 – ₹312.00 · the ₹223.80 price screens above the ₹32.32 fair value. Dashed = 300-day average. As of Aug 8, 2026.

Full chart & analysis →

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Analysis

Team India Guaranty Limited (TEAMGTY) currently trades at ₹223.80, while our model-based Fair Value estimate is ₹32.32, implying the stock looks roughly 85.6% overvalued today. We read business quality at 60/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).

Over the trailing twelve months, Team India Guaranty Limited generated revenue of ₹54.9M at a net margin of 13.1%. Revenue grew 59.3% year over year. It earns a return on equity of 1.5%. The balance sheet holds a net cash position of ₹48.1M. Fundamentals as of Aug 8, 2026

The share trades about 33% below its 52-week high and 36% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -12% fair-value upside, at -86%, TEAMGTY screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Model BearBaseBull Evidence
Highest evidence
Growth DCF ₹99.69 ₹174.95 ₹322.24 80
ROIC Compounder ₹13.54 ₹14.84 ₹15.95 72
Growth-Adj P/E ₹18.23 ₹26.04 ₹33.85 68
All 23 models by family
DCF Models
FCF DCF ₹105.81 ₹160.02 ₹329.05 38
Owner Earnings ₹16.64 ₹30.38 ₹58.16 31
5Y Revenue Exit ₹42.52 ₹56.26 ₹83.90 39
5Y EBITDA Exit ₹45.95 ₹63.20 ₹96.48 41
5Y P/E Exit ₹42.89 ₹67.24 ₹96.66 38
10Y Revenue Exit ₹61.71 ₹98.01 ₹111.48 36
10Y EBITDA Exit ₹64.62 ₹105.23 ₹165.84 37
10Y P/E Exit ₹62.43 ₹98.78 ₹149.92 35
Earnings-Based
Graham-Dodd ₹5.42 ₹37.79 ₹53.04 54
Lynch FV ₹14.64 ₹20.92 ₹27.20 50
PEG = 1.0 ₹14.64 ₹20.92 ₹27.20 46
EPV ₹13.54 ₹14.84 ₹15.95 59
Multiples
P/E Multiple ₹11.95 ₹15.94 ₹19.92 63
P/S Multiple ₹10.16 ₹13.55 ₹16.93 58
P/B Multiple ₹10.16 ₹13.55 ₹16.93 55
EV/EBIT ₹27.58 ₹34.99 ₹42.40 53
EV/EBITDA ₹21.45 ₹26.82 ₹32.19 54
EV/Revenue ₹16.04 ₹20.62 ₹25.20 43
Asset-Based
NCAV (Graham) ₹26.98 ₹36.16 ₹53.96 50
Growth DCF
Growth DCF ₹99.69 ₹174.95 ₹322.24 80
Economic Profit
Residual Income ₹36.78 ₹34.26 ₹25.38 61
ROIC Compounder ₹13.54 ₹14.84 ₹15.95 72
Growth Earnings
Growth-Adj P/E ₹18.23 ₹26.04 ₹33.85 68

Widest divergence: Growth DCF (₹174.95) versus Economic Profit (₹14.84). Highest evidence: Growth DCF (80).

Key figures & financial health

Revenue (TTM) ₹54.9M
Revenue growth (YoY) +59.3%
Net margin 13.1%
Return on equity 1.5%
Free cash flow ₹56.8M FY2026
P/E ratio 294.5
More key figures
Operating margin -37.3%
EPS (TTM) ₹0.7900
EPS growth (YoY) -70.3%
Net cash ₹48.1M FY2026

Figures from reported company fundamentals · as of Aug 8, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 60/100

Of which business quality 72 · Market factors (momentum, volatility) 39

Profitability 25
Margins and returns on capital today
Quality Growth 41
Are margins and returns improving?
Cashflow 100
Earnings quality: real cash, not paper profit
Fin. Strength 83
Balance sheet, leverage, solvency risk
Investment 92
Disciplined investing over empire-building
Low Volatility 69
Calm price path (market factor)
Momentum 27
Price trend over the last 3–12 months (market factor)
52W Momentum 26
Distance to the 52-week high (market factor)
Net Issuance 100
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

About the company

Team India Guaranty Limited, a non-deposit accepting non-banking financial company, provides investment services in India. The company focuses to invest own funds in safe debt instruments/eligible deposits. The company was formerly known as Times Guaranty Limited and changed its name to Team India Guaranty Limited in July 2025.

Full company description

Team India Guaranty Limited, a non-deposit accepting non-banking financial company, provides investment services in India. The company focuses to invest own funds in safe debt instruments/eligible deposits. The company was formerly known as Times Guaranty Limited and changed its name to Team India Guaranty Limited in July 2025. Team India Guaranty Limited was incorporated in 1989 and is based in Mumbai, India.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2022 – FY2026 · reported fiscal years

Team India Guaranty Limited reported revenue of ₹55.0M in FY2026 versus ₹12.2M in FY2022, a compound +45.7%/yr. Reported net income was ₹7.2M in FY2026, compounding −6.5%/yr from FY2022.

Growth Quality 40/100
Revenue growth is weak, negative or inconsistent.
Latest Revenue (FY 2026)
₹55.0M
Latest YoY
+55.7%
Avg. growth/yr (3Y)
+19.6%
Avg. growth/yr (5Y)
−2.9%
Avg. growth/yr (20Y)
+5.3%
Revenue +45.7%/yr
FY22 ₹12.2M
FY23 ₹32.1M
FY24 ₹36.9M
FY25 ₹35.3M
FY26 ₹55.0M
Net income −6.5%/yr
FY22 ₹9.4M
FY23 ₹17.9M
FY24 ₹23.5M
FY25 ₹23.5M
FY26 ₹7.2M

TEAMGTY screens 86% overvalued. Compare with Fondul Proprietatea SA →

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Cite: Fair Value Calculator (2026). "Team India Guaranty Limited Fair Value". https://www.fairvalue-calculator.com/stock/TEAMGTY

Peer Group

Asset Management · 973 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Quality Score 59 · Above median
Return on equity (TTM) 1% · Below median
Return on assets 2% · Below median
Net margin (TTM) 13% · Below median
Operating margin (TTM) -37% · Bottom 25%
Revenue growth 59% · Top 25%

Valuation Multiples vs Asset Management median · lower = cheaper

P/E (TTM) 294.5× · Pricier than 75% of peers
P/B 4.31× · Pricier than 75% of peers
P/S (TTM) 38.12× · Pricier than 75% of peers
P/FCF 0.4× · Cheaper than 75% of peers

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 0 · sector 37
FUTURE 100 · sector 6
PAST 6 · sector 26
HEALTH 100 · sector 95
DIVIDEND 0 · sector 70

VALUE 0: the price sits above our fair-value range.

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Asset Management stocks, each showing price versus our Fair Value estimate (as of Aug 8, 2026).

Stock Price Fair Value vs Fair Value
Fondul Proprietatea SA FP $0.0420 $0.0800 +90%
BlackRock, Inc BLK $1,036 $504.81 -51%
Blackstone Inc BX $124.56 $16.35 -87%
Investor AB INVEB kr 394.40 kr 788.80 +100%
Brookfield Corporation BN C$62.45 C$10.12 -84%
KKR & Co KKR $100.94 $44.88 -56%
AB Industrivärden INDUA kr 532.50 kr 1,065 +100%
Jio Financial Services Limited JIOFIN ₹242.98 ₹40.19 -83%
Hedef Holding HEDEF 267.25 TRY 320.98 TRY +20%
Bajaj Holdings BAJAJHLDNG ₹10,398 ₹9,202 -12%

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Frequently asked questions

Is Team India Guaranty Limited (TEAMGTY) overvalued or undervalued?
As of Aug 8, 2026, our model estimates a fair value of ₹32.32 versus a price of ₹223.80, about −86% (overvalued).
What is the fair value of TEAMGTY?
Our model-based fair value for Team India Guaranty Limited is ₹32.32 (as of Aug 8, 2026), built from audited fundamentals. The current price is ₹223.80.
What is the quality score of TEAMGTY?
Team India Guaranty Limited has a Quality Score of 60/100. It combines two groups: business quality (profitability, growth, cash flow, balance-sheet strength) and market factors (price momentum, distance to the 52-week high, volatility). Both subtotals are shown separately in the detail view.
What is the revenue of Team India Guaranty Limited (TEAMGTY)?
Team India Guaranty Limited reported trailing-twelve-month revenue of about ₹54.9M (latest available figure, as of Aug 8, 2026).
What is the net profit margin of TEAMGTY?
The net profit margin of Team India Guaranty Limited is about 13.1%, meaning it keeps roughly 13.1% of revenue as net income. Based on the latest reported figures.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.

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