TIMES GUARANTY LTD. (TIMESGTY) fair value: what the stock is really worth
As of Oct 9, 2026: fair value of TIMES GUARANTY LTD. ₹45.15, price ₹245, upside -81.6%, quality 62 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 4, 2026.
How to read this chart
60‑month range ₹23.50 – ₹310.00 · fair‑value band ₹33.86 – ₹56.44 · the ₹245.45 price screens above the ₹45.15 fair value. Dashed = 300-day average. As of Oct 4, 2026.
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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.
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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.
Stock analysis
TIMES GUARANTY LTD. (TIMESGTY) currently trades at ₹245.45, while our model-based Fair Value estimate is ₹45.15, 81.6% below the price, so the stock looks overvalued today.
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Valuation
How firm this estimate is: it rests on 13 models at a data quality of 95/100, which puts the evidence level at low.
Scenario range: ₹33.86 (bear) to ₹56.44 (bull), the price of ₹245.45 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 62/100 (solid quality), in the Financial Services sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
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.
Key figures
Market cap ₹2.6B (≈ $26.4M) · P/E ratio 94.8 · EPS (TTM) ₹2.59 · Net margin 59.6% · Return on equity 5.0% · Return on assets (EBIT) 4.3% · Operating margin 62.4% · Revenue growth (YoY) +48.8%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).
What moves the price
The share trades about 21% below its 52-week high and 13% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −15% fair-value upside, at −82%, TIMESGTY screens richer than that median.
Fair Value models
Bear ₹33.86Fair Value ₹45.15Bull ₹56.44
Price ₹245.45 · Upside -81.6%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 12 months old). Earnings retained since then (₹2.59 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.Evidence ⓘEvidence = 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.25/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+2.0%
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.
+0.8%
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.
−9.8%
Start year 2020 (pandemic)
Revenue growth 6 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.
−18.2%
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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. 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.
−4.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year−4.2%
Dividend (yield on the price)0.0%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.81% → 39%
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 · 655 stocks
Beats the industry median on 5/10 measures
A mixed picture versus its industry peers.
Valuation
Quality Score62 · Above median
Fair Value upside−81.6% · Bottom 25%
Profitability
Return on equity (TTM)5.0% · Below median
Return on assets3.8% · Above median
Net margin (TTM)59.6% · Above median
Operating margin (TTM)62.4% · Above median
Growth and dividend
Revenue growth48.8% · Top 25%
Valuation Multiplesvs Asset Management median · lower = cheaper
P/E (TTM)94.8× · Priciest 25%
P/B5.34× · Priciest 25%
P/S (TTM)64.73× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 60
FUTURE (revenue growth)100· sector 39
PAST (return on equity)20· sector 24
HEALTH (low debt)100· sector 95
DIVIDEND (yield)0· sector 82
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.
Is TIMES GUARANTY LTD. (TIMESGTY) overvalued or undervalued?
As of Oct 4, 2026, our model estimates a fair value of ₹45.15 versus a price of ₹245.45, about −82% upside (overvalued).
What is the fair value of TIMESGTY?
Our model-based fair value for TIMES GUARANTY LTD. is ₹45.15 (as of Oct 4, 2026), built from audited fundamentals. The current price: ₹245.45.
What is the quality score of TIMESGTY?
TIMES GUARANTY LTD. has a Quality Score of 62/100. 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 TIMES GUARANTY LTD. (TIMESGTY)?
Our model-based price target is the fair value of ₹45.15 (as of Oct 4, 2026) from 2 valuation models. Cautious scenario ₹33.86, optimistic scenario ₹56.44. It is a calculation from audited fundamentals, not an analyst target.
What is the TIMES GUARANTY LTD. stock forecast for 2026?
Our models put fair value at ₹45.15, about −82% upside versus a price of ₹245.45 (overvalued). Cautious scenario ₹33.86, optimistic scenario ₹56.44. The calculation is refreshed regularly with new filings.
What is the intrinsic value of TIMES GUARANTY LTD. (TIMESGTY)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For TIMES GUARANTY LTD. it is ₹45.15 per share (as of Oct 4, 2026), against a price of ₹245.45. It is the blended result of 2 valuation models (cash flow, earnings, asset, dividend).
Is TIMES GUARANTY LTD. stock overvalued or undervalued in 2026?
As of Oct 4, 2026, TIMESGTY trades above its calculated fair value: price ₹245.45, fair value ₹45.15, a gap of about −82% (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 TIMESGTY?
No. The price is what the market pays today (₹245.45); the fair value is what the company's own numbers justify (₹45.15). For TIMES GUARANTY LTD. the two are ₹200.30 per share apart. That gap is exactly why we show both numbers side by side.
How much is TIMES GUARANTY LTD. worth?
The market values TIMES GUARANTY LTD. at about ₹2.6B (market capitalisation, as of Oct 4, 2026). Per share that is ₹245.45; our models calculate a fair value of ₹45.15 per share.
What do the bullish and bearish scenarios say about TIMESGTY?
Our models span a range for TIMES GUARANTY LTD.: cautious scenario ₹33.86, base ₹45.15, optimistic ₹56.44 per share (as of Oct 4, 2026, price ₹245.45). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of TIMESGTY?
TIMES GUARANTY LTD. trades at a price-to-earnings ratio of 94.8 (as of Oct 4, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹45.15 is built from several models across several years. Other multiples: P/B 5.3, P/S 64.7.
How solid is the balance sheet of TIMES GUARANTY LTD. (TIMESGTY)?
Balance-sheet figures for TIMES GUARANTY LTD. (as of Oct 4, 2026): return on equity 5.0%. They feed the Quality Score of 62/100, which measures business quality independently of the share price.
How far is TIMESGTY from its 52-week high?
TIMES GUARANTY LTD. trades at ₹245.45, about 21% below its 52-week high of ₹309.60 and 13% above the low of ₹216.60 (as of Oct 9, 2026). Distance from the high says nothing about value: that is what the fair value of ₹45.15 is for.
Which stocks are comparable to TIMES GUARANTY LTD.?
From the same area (Financial Services) we also value Blackstone Inc, KKR & Co, Brookfield Corporation, 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 TIMES GUARANTY LTD. stock attractive at the current price?
The data as of Oct 4, 2026: price ₹245.45, calculated fair value ₹45.15 (−82%), Quality Score 62/100, from 2 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 TIMESGTY calculated?
We run TIMES GUARANTY LTD. through 2 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 ₹45.15, 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 14.6 % above its aggregate fair value. TIMES GUARANTY LTD. 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 TIMES GUARANTY LTD. (TIMESGTY)?
The closing price on Oct 9, 2026 was ₹245.45. Our model-based fair value is ₹45.15, about −82% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with TIMES GUARANTY LTD. right now?
The price sits above even our optimistic bull case (₹56.44). 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 (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.
Key figures of TIMES GUARANTY LTD.
How large is the market capitalisation of TIMES GUARANTY LTD. (TIMESGTY)?
The market capitalisation of TIMES GUARANTY LTD. is ₹2.6B (≈ $26.4M). 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 are the earnings per share of TIMES GUARANTY LTD. (TIMESGTY)?
Earnings per share at TIMES GUARANTY LTD. are ₹2.59 (price ÷ EPS = P/E 94.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of TIMES GUARANTY LTD. (TIMESGTY)?
The net margin of TIMES GUARANTY LTD. is 59.6% (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 TIMES GUARANTY LTD. (TIMESGTY)?
The return on equity (ROE) of TIMES GUARANTY LTD. is 5.0% (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 TIMES GUARANTY LTD. (TIMESGTY)?
On an EBIT basis the return on assets of TIMES GUARANTY LTD. is 4.3% (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 TIMES GUARANTY LTD. (TIMESGTY)?
The operating margin of TIMES GUARANTY LTD. is 62.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at TIMES GUARANTY LTD. (TIMESGTY)?
Revenue at TIMES GUARANTY LTD. is growing +48.8% versus a year earlier (3y avg +0.8%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does TIMES GUARANTY LTD. (TIMESGTY) generate?
The free cash flow of TIMES GUARANTY LTD. is −₹8.1M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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