TIMES GUARANTY LTD. (TIMESGTY) Fair Value & Analysis
Financial Services · IN · Market cap ₹2.6B
Structural break: The valuation model sees a lasting decline in earnings power for this stock, the confidence band is broken. Treat the target with caution.
Strengths
Risks
Fair value as of: Aug 26, 2026
From 2 valuation models · updated today
Share price −2.4% over the past month.
A solid business, but trading 409% above our fair value.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price sits above even our optimistic bull case (₹56.44). The favourable scenario is already priced in.
- Solid but not exceptional quality (62/100) 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.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 26, 2026.
How to read this chart
60‑month range ₹23.40 – ₹310.00 · fair‑value band ₹33.86 – ₹56.44 · the ₹230.00 price screens above the ₹45.15 fair value. Dashed = 300-day average. As of Aug 26, 2026.
Analysis
TIMES GUARANTY LTD. (TIMESGTY) currently trades at ₹230.00, while our model-based Fair Value estimate is ₹45.15, implying the stock looks roughly 80.4% overvalued today. The Quality Score stands at 62/100 (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: medium).
Over the trailing twelve months, TIMES GUARANTY LTD. generated revenue of ₹39.4M at a net margin of 59.6%. Revenue grew 48.8% year over year. It earns a return on equity of 5.0%. The stock trades on a trailing P/E of 88.8. Fundamentals as of Aug 26, 2026
Our scenario range runs from ₹33.86 (bear case) to ₹56.44 (bull case); at ₹230.00, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 31% below its 52-week high and 39% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -28% fair-value upside, at -80%, TIMESGTY 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.
All 2 models by family
Widest divergence: Multiples (₹45.15) versus Asset-Based (₹35.59). Highest evidence: P/B Multiple (55).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 26, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 57 · Market factors (momentum, volatility) 29
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.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
Times Guaranty Limited, a non-deposit accepting non-banking financial company, provides investment and financial services in India. It focuses to invest own funds in safe debt instruments/eligible deposits. The company was formerly known as Times Guaranty Finance Limited and changed its name to Times Guaranty Limited in December 1999.
Full company description
Times Guaranty Limited, a non-deposit accepting non-banking financial company, provides investment and financial services in India. It focuses to invest own funds in safe debt instruments/eligible deposits. The company was formerly known as Times Guaranty Finance Limited and changed its name to Times Guaranty Limited in December 1999. The company was incorporated in 1989 and is based in Mumbai, India. Times Guaranty Limited is a subsidiary of Bennett, Coleman & Company Limited.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
TIMES GUARANTY LTD. reported revenue of ₹12.5M in FY2025 versus ₹63.8M in FY2021, a compound −33.5%/yr. Reported net income was ₹23.5M in FY2025, compounding −22.6%/yr from FY2021.
TIMESGTY screens 80% overvalued. Compare with Blackstone Inc →
Peer Group
Asset Management · 721 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.
Valuation Multiples vs Asset Management median · lower = cheaper
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: 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.
Similar stocks
10 more Asset Management stocks, each showing price versus our Fair Value estimate (as of Aug 26, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Blackstone Inc BX | $146.41 | $52.88 | -64% |
| Investor AB INVEB | kr 417.90 | kr 835.80 | +100% |
| Brookfield Corporation BN | C$58.60 | C$7.74 | -87% |
| KKR & Co KKR | $110.90 | $19.97 | -82% |
| Apollo Global Management, Inc APO | $138.61 | $101.04 | -27% |
| State Street Corporation STT | $191.74 | $138.33 | -28% |
| Ameriprise Financial, Inc AMP | $561.63 | $515.24 | -8% |
| Ares Management Corporation ARES | $143.10 | $30.88 | -78% |
| Northern Trust Corporation NTRS | $191.33 | $122.02 | -36% |
| Raymond James Financial, Inc RJF | $181.18 | $142.42 | -21% |
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Frequently asked questions
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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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