Team India Guaranty Limited (TEAMGTY) fair value: what the stock is really worth
As of Nov 5, 2026: fair value (intrinsic value) of Team India Guaranty Limited stock ₹32.32, price ₹235, that is 86.2% below the price, quality 74 out of 100. Rating: strongly overvalued. Calculated from audited financials with 10 of our 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 1, 2026.
How to read this chart
60‑month range ₹38.30 – ₹312.00 · fair‑value band ₹31.03 – ₹36.97 · the ₹235.00 price screens above the ₹32.32 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 1, 2026.
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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.
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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.
Stock analysis
Team India Guaranty Limited (TEAMGTY) currently trades at ₹235.00, while our model-based Fair Value estimate is ₹32.32, 86% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Growth DCF group reads highest at a median of ₹103.61 per share, and 0 of the 10 models we run sit above the ₹235.00 price.
Bear case: the Asset-Based group reads lowest at ₹4.23, and 10 of the 10 models stay below the price. Data coverage for this calculation is low.
Scenario range: ₹31.03 (bear) to ₹36.97 (bull), the price of ₹235.00 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 74/100 (solid quality), in the Financial Services sector.
Mixed Growth: Spin-off in 2015: revenue and profit before it include the divested business. Growth is measured afresh from 2015.
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.
Key figures
Market cap ₹2.0B (≈ $21.6M) Micro · P/E ratio 194.2 · P/S ratio 29.0 · EPS (TTM) ₹1.21 · Net margin 15.5% · Return on equity 1.5% · Return on assets (EBIT) 3.8% · Operating margin 26.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 53 out of 100 (low confidence).
What moves the price
The share trades about 25% below its 52-week high and 9% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −16% fair-value upside, at −86%, TEAMGTY screens richer than that median.
Fair Value models
The price assumes far more growth than our models allow for, so the models scatter widely (₹4.23 to ₹103.61). Read the Fair Value as a cautious anchor, not a price target; the Growth Forecast section shows what the price assumes.
Bear₹31.03Fair Value ₹32.32Bull₹36.97
Price ₹235.00 · Downside -86.2%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 7 months old). Earnings retained since then (₹0.7293 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.55/100
Spin-off in 2015: revenue and profit before it include the divested business. Growth is measured afresh from 2015.
Revenue growth 1 year
+55.7%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+19.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−2.9%
Start year 2021 (pandemic). Over 10 years: −0.1% a year
Revenue growth 10 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−0.1%
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What shareholders gained per year (last 5 years), in INR ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: EBIT basis. Measured in INR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
−5.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year−5.3%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.base effect: −13.4% / 4.7%
Pace: the 5-year rate starts in 2021 (pandemic)
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+22.6%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (India: IMF forecast 4.1% a year to 2030, 4.7% from 2016 to 2025) that is about +17.8% a year for the price.
Compare Team India Guaranty Limited with another stock
Price, fair value, quality and upside side by side.
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Peer Groupⓘ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.Asset Management · 593 stocks
Beats the industry median on 2/11 measures
Overall it trails its industry peers.
Valuation
Quality Score74 · Top 25%
Fair Value upside−86.2% · Bottom 25%
Profitability
Return on equity (12 months)1.5% · Below median
Return on assets1.5% · Below median
Net margin (12 months)15.5% · Below median
Operating margin (12 months)26.4% · Below median
Growth and dividend
Revenue growth (quarter YoY)124.5% · Top 25%
Valuation Multiplesvs Asset Management median · lower = cheaper
P/E (12 months)194.2× · Priciest 25%
P/B4.21× · Priciest 25%
P/S (12 months)28.96× · Priciest 25%
Price / free cash flow36.0× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 59
FUTURE (revenue growth)100· sector 39
PAST (return on equity)6· sector 30
HEALTH (low debt)100· sector 96
DIVIDEND (yield)0· sector 80
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Team India Guaranty Limited Fair Value". https://www.fairvalue-calculator.com/stock/TEAMGTY
Frequently asked questions
Is Team India Guaranty Limited (TEAMGTY) overvalued or undervalued?
As of Nov 1, 2026, our model estimates a fair value of ₹32.32 versus a price of ₹235.00, about 86% lower (overvalued).
What is the fair value of TEAMGTY?
Our model-based fair value for Team India Guaranty Limited is ₹32.32 (as of Nov 1, 2026), built from audited fundamentals. The current price: ₹235.00.
What is the quality score of TEAMGTY?
Team India Guaranty Limited has a Quality Score of 74/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Team India Guaranty Limited (TEAMGTY)?
Our model-based price target is the fair value of ₹32.32 (as of Nov 1, 2026) from 10 valuation models. Cautious scenario ₹31.03, optimistic scenario ₹36.97. It is a calculation from audited fundamentals, not an analyst target.
What is the Team India Guaranty Limited stock forecast for 2026?
Our models put fair value at ₹32.32, about 86% lower versus a price of ₹235.00 (overvalued). Cautious scenario ₹31.03, optimistic scenario ₹36.97. The calculation is refreshed regularly with new filings.
What is the revenue of Team India Guaranty Limited (TEAMGTY)?
Team India Guaranty Limited reported trailing-twelve-month revenue of about ₹70.6M (latest available figure, as of Nov 1, 2026).
What growth is priced into Team India Guaranty Limited (TEAMGTY)?
For today's price to be fair in a discounted-cash-flow model, Team India Guaranty Limited would have to grow free cash flow by +22.6 % per year for five years (discount rate 10.9 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew -2.9 % per year. As of Nov 1, 2026.
What discount rate (WACC) does the fair value of TEAMGTY use?
Our models discount Team India Guaranty Limited at 10.9 %: a base by market capitalisation (nano), damped by beta 0.39, country premium for India. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Team India Guaranty Limited that is +22.6 % per year a year over ten years, using the same discount rate (10.9 %) and the same formula as our fair value.
How much growth has Team India Guaranty Limited (TEAMGTY) delivered so far?
Over the past 5 years revenue at Team India Guaranty Limited grew -2.9 % a year. The price currently implies +22.6 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Team India Guaranty Limited (TEAMGTY) growing?
The median revenue growth in the sector is +6.5 % a year. That is the yardstick for the growth priced into Team India Guaranty Limited (+22.6 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Team India Guaranty Limited (TEAMGTY)?
The free-cash-flow yield on the price is 2.87 %: that much free cash flow Team India Guaranty Limited produces per unit of market value. When it exceeds the discount rate of our models (10.9 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Team India Guaranty Limited (TEAMGTY)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Team India Guaranty Limited it is ₹32.32 per share (as of Nov 1, 2026), against a price of ₹235.00. It is the blended result of 10 valuation models (cash flow, earnings, asset, dividend).
Is Team India Guaranty Limited stock overvalued or undervalued in 2026?
As of Nov 1, 2026, TEAMGTY trades above its calculated fair value: price ₹235.00, fair value ₹32.32, a gap of about −86% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of TEAMGTY?
No. The price is what the market pays today (₹235.00); the fair value is what the company's own numbers justify (₹32.32). For Team India Guaranty Limited the two are ₹202.68 per share apart. That gap is exactly why we show both numbers side by side.
How much is Team India Guaranty Limited worth?
The market values Team India Guaranty Limited at about ₹2.0B (market capitalisation, as of Nov 1, 2026). Per share that is ₹235.00; our models calculate a fair value of ₹32.32 per share.
What do the bullish and bearish scenarios say about TEAMGTY?
Our models span a range for Team India Guaranty Limited: cautious scenario ₹31.03, base ₹32.32, optimistic ₹36.97 per share (as of Nov 1, 2026, price ₹235.00). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of TEAMGTY?
Team India Guaranty Limited trades at a price-to-earnings ratio of 194.2 (as of Nov 1, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹32.32 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2017 to 2026), reported earnings: 29.7. Other multiples: P/B 4.2, P/S 29.0.
How solid is the balance sheet of Team India Guaranty Limited (TEAMGTY)?
Balance-sheet figures for Team India Guaranty Limited (as of Nov 1, 2026): return on equity 1.5%. They feed the Quality Score of 74/100, which measures business quality independently of the share price.
How far is TEAMGTY from its 52-week high?
Team India Guaranty Limited trades at ₹235.00, about 25% below its 52-week high of ₹312.00 and 9% above the low of ₹215.32 (as of Nov 5, 2026). Distance from the high says nothing about value: that is what the fair value of ₹32.32 is for.
Which stocks are comparable to Team India Guaranty Limited?
From the same area (Financial Services) we also value Blackstone Inc, Brookfield Corporation, KKR & Co, Apollo Global Management, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Team India Guaranty Limited stock attractive at the current price?
The data as of Nov 1, 2026: price ₹235.00, calculated fair value ₹32.32 (−86%), Quality Score 74/100, from 10 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of TEAMGTY calculated?
We run Team India Guaranty Limited through 10 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of ₹32.32, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 15.5% above its aggregate fair value. Team India Guaranty Limited itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Team India Guaranty Limited (TEAMGTY)?
The closing price on Nov 5, 2026 was ₹235.00. Our model-based fair value is ₹32.32, about 86% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Team India Guaranty Limited right now?
The price sits above even our optimistic bull case (₹36.97). The favourable scenario is already priced in. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (74/100) 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.
Where does the earnings growth of Team India Guaranty Limited (TEAMGTY) come from?
Earnings per share at Team India Guaranty Limited grew −2.5 % a year from 2016 to 2026. Broken into its drivers: revenue per share −3.0 %, EBIT margin −1.4 %, tax rate −0.2 %, residual (interest, one-offs) +2.1 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Team India Guaranty Limited
How large is the market capitalisation of Team India Guaranty Limited (TEAMGTY)?
The market capitalisation of Team India Guaranty Limited is ₹2.0B (≈ $21.6M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Team India Guaranty Limited (TEAMGTY)?
The price-to-sales ratio of Team India Guaranty Limited is 29.0 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Team India Guaranty Limited (TEAMGTY)?
Earnings per share at Team India Guaranty Limited are ₹1.21 (price ÷ EPS = P/E 194.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Team India Guaranty Limited (TEAMGTY)?
The net margin of Team India Guaranty Limited is 15.5% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Team India Guaranty Limited (TEAMGTY)?
The return on equity (ROE) of Team India Guaranty Limited is 1.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Team India Guaranty Limited (TEAMGTY)?
On an EBIT basis the return on assets of Team India Guaranty Limited is 3.8% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Team India Guaranty Limited (TEAMGTY)?
The operating margin of Team India Guaranty Limited is 26.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Team India Guaranty Limited (TEAMGTY)?
Revenue at Team India Guaranty Limited is growing +125% versus a year earlier (3y avg +19.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Team India Guaranty Limited (TEAMGTY)?
Earnings per share at Team India Guaranty Limited are growing +67.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Team India Guaranty Limited (TEAMGTY) hold?
Team India Guaranty Limited holds more cash than debt, ₹48.1M net (fiscal year 2026). The company holds more cash than debt, a safety cushion.
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Thin data
Nov 1, 2026