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Prices as of 9 Oct 2026 close · Not investment advice

Team India Guaranty Limited

NSE: TEAMGTYNon Banking Financial Company (NBFC)

Share price

₹243.02

+3.08% close of 9 Oct 2026

Market cap ₹219 CrP/E 200.7

Price-based ratios (P/B, dividend yield, EV/EBITDA) are as of 6 Oct 2026, the close above is 9 Oct 2026.

Business score

How strong the business is, in one number. The parts behind it are in Pro.

37

out of 100 · worked out 9 Oct 2026

How the business score works

Your ratios

The numbers you want to see first. Tap Edit to change them.

Market cap

₹219 Cr

P/E ratio

200.7

P/B ratio

4.5

ROCE

2.9%

ROE

0.9%

Dividend yield

0.0%

Price & valuation chart

How the share price and its valuation have moved. Hover over the chart to see any day. Prices as of the last close.

Prices as of 9 Oct 2026 close52-week high ₹312.0052-week low ₹215.32

Answers

Simple answers to the questions investors ask most, from the company's own numbers.

How fast it has been growing

Our sales figures for this company step down at Jun 2021 and we hold nothing that says why, so we cannot honestly quote a growth rate across it.

Whether it grew faster than its sector

Our sales figures for this company step down at Jun 2021 and we hold nothing that says why, so there is no honest growth rate of its own to set against its sector.

Room to re-rate, or risk of de-rating

At 200.7× earnings it costs 8.3× the market, which pays 24.1× across 2199 companies we can price. Its own industry sits at 14.3×, across 5 companies. It is against its own five-year median of 57.8×, the 95th percentile of its own range.

Whether growth justifies the valuation

Its earnings are falling, so growth cannot justify the price.

Profit growthPrice per ₹1 profitPer 1% growth
Team India Guaranty Limited — this one-9%/yr200.7×—
Five-Star Business Finance Limited22%/yr13.7×₹0.62
SBFC Finance Limited44%/yr19.4×₹0.44
Paisalo Digital Limited35%/yr29.2×₹0.83
Bengal & Assam Company Limited-5%/yr8.5×—
Fedbank Financial Services Limited22%/yr14.3×₹0.65

Compared with companies filed under the same label. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

How it compares with its peers

Against companies the exchange files under the same label (Non Banking Financial Company (NBFC)), it ranks 59 of 73 on returns, 62 of 68 on growth. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

What makes it hard to beat — and is that still true?

No durable advantage shows in the numbers: it earns 0.9% on capital, ahead of 19% of companies filed under the same label. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

Whether its growth pays for itself

This question does not fit a lender: the money it lends out is its day-to-day outflow and the deposits or premiums it takes are the inflow, so a cash bridge cannot say whether its growth pays for itself. Look at the return on owners' money instead.

Profit reality check

Is the profit real cash? Simple checks on the accounts. Facts only, not advice.

Not enough filed accounts to run these checks yet.

How the profit check works

Latest result · Q4 FY26

What the last results showed. Whether management kept its word is in Pro.

Announced 21 Sep 2026 · Standalone · Audited

Revenue

₹2 Cr

Revenue vs last year

+58.7%

Revenue vs last quarter

+14.3%

Net profit

-₹1 Cr

Profit vs last year

-195.2%

Profit vs last quarter

-503.4%

Net margin

-44.1%

EPS

₹-0.71

Checklist before you investPRO

Points for and against, in one list.

Key numbers & peers

The main numbers grouped by topic, and how the company compares with similar ones.

Price

Market cap
₹219 Cr
Prev close
₹243.02
52w High
₹333
52w Low
₹210
Enterprise value
—
Beta
0.3
Price CAGR 1y
-8.0%
Price CAGR 3y
51.0%
Price CAGR 5y
38.0%
Price CAGR 10y
26.0%

Ratios

Return on assets
1.5%
PEG ratio
-22.4
P/E ratio
200.7
P/B ratio
4.5
EV / EBITDA
—
Industry P/E
16.7
ROCE
2.9%
ROCE 5y average
—
ROE
0.9%
Debt / Equity
0.0
Interest coverage
—
Dividend yield
0.0%
ROE 3y average
3.0%
ROE last year
2.0%

Annual P&L

Annual revenue
₹5 Cr
Annual profit
₹1 Cr
Operating margin
21.1%
Net profit margin
13.8%
EBITDA margin
21.2%
Sales growth 3y
38.4%
Sales growth 5y
-9.9%
Profit growth 3y
-9.0%
Profit growth 5y
-36.0%
EPS
₹0.8
Sales growth TTM
80.0%
Profit growth TTM
-54.0%
Dividend payout
0.0%

Quarter P&L

Sales latest quarter
₹3 Cr
Profit latest quarter
₹1 Cr
YoY quarterly sales growth
124.6%
YoY quarterly profit growth
67.9%
OPM latest quarter
26.5%

Balance Sheet

Book Value
₹53.9
Face Value
₹10.0
Total debt
₹0 Cr
Total cash
₹5 Cr
Borrowings
₹0 Cr
Reserves / Equity
4.4

Cash Flow

Operating cash flow
-₹37 Cr
Free cash flow
-₹37 Cr
FCF yield
—
Net cash flow
₹3 Cr

Shareholding

Promoter holding
74.9%
FII holding
2.1%
DII holding
0.1%
Public holding
22.9%

Peer comparison

CompanyPrice ₹P/EMkt cap ₹ CrDiv yield %Profit qtr ₹ CrProfit var %Sales qtr ₹ CrSales var %ROCE %
Bajaj Finance963.1029.35,99,0040.566,080.627.423,165.518.610.9
Shriram Finance965.0520.02,26,2421.123,452.859.913,400.416.211.5
Cholaman.Inv.&Fn1,611.0023.91,37,4160.121,656.245.68,856.321.99.7
Tata Capital322.1025.11,36,6840.181,628.256.38,821.915.18.6
Muthoot Finance2,686.009.51,07,6131.122,824.838.88,671.634.415.8
L&T Finance Ltd264.4020.766,1561.04916.028.75,212.922.48.4
SBI Cards569.4023.854,0910.44664.419.55,040.63.410.1
Team India Guar.235.02194.82120.000.967.92.8124.62.9
Median141.3520.04810.0010.837.948.627.79.4

Competes with: Bajaj Finance, Cholamandalam Investment & Finance, HDB Financial Services Limited, L&T Finance Limited, Muthoot Finance, SBI Cards & Payment Services, Shriram Finance Limited, Tata Capital Limited

Quarterly results

Sales and profit for each of the last 13 quarters. Newest on the right. ₹ crore.

Standalone · to 30 Jun 2026
Line itemJun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue0.800.800.810.830.850.860.850.981.261.371.361.562.83
Expenses0.190.290.130.290.180.270.160.290.470.570.922.192.08
Financing Profit0.610.510.680.540.670.590.690.690.790.800.44-0.630.75
Financing Margin %7664846579698170635832-4027
Other Income00.01000000.1700000.01
Interest0000000000000
Depreciation0000000000000
Profit before tax0.610.520.680.540.670.590.690.860.790.800.44-0.630.76
Tax %20192830161717162916597.94-24
Net Profit0.500.420.490.390.560.500.580.720.560.670.17-0.690.94
EPS in Rs0.560.470.540.430.620.560.640.800.620.750.19-0.771.05

Profit & loss

Yearly sales, costs and profit for 12 years, plus the last 12 months (TTM). ₹ crore.

Standalone · to 31 Mar 2026
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue0.570.125.571.112.952.368.742.721.963.243.695.207.12
Expenses0.380.370.440.470.570.660.630.690.900.890.894.105.76
Financing Profit0.19-0.255.130.642.381.708.042.011.052.352.801.101.36
Financing Margin %33-2089258817292745473762119
Other Income0.0100000.010.0100.020.010.020.290.01
Interest0000000.070.020.010000
Depreciation000000000000.000
Profit before tax0.20-0.255.130.642.381.718.052.011.072.362.821.391.37
Tax %5021253122192213241748
Net Profit0.19-0.254.060.481.641.336.551.570.941.792.350.721.09
EPS in Rs0.21-0.284.510.531.821.487.281.751.051.992.610.801.22
Dividend Payout %000000000000

Compounded growth

Average yearly growth over different spans, as stored. A span can cross a demerger or an acquisition.

Compounded sales growth

10 years
46%
5 years
-10%
3 years
38%
TTM
80%

Compounded profit growth

10 years
17%
5 years
-36%
3 years
-9%
TTM
-54%

Stock price CAGR

10 years
26%
5 years
38%
3 years
51%
1 year
-8%

Return on equity

10 years
6%
5 years
3%
3 years
3%
Last year
2%

Balance sheet

What the company owns and what it owes, at the end of each year. ₹ crore.

Standalone
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital9999999999.009.009.00
Reserves151519202426323435363940
Borrowing000000000000
Other Liabilities0.840.881.041.040.090.150.270.070.060.070.171
Total Liabilities252529303335414344464850
Fixed Assets000.070.070.070.070.070.070.070.0700.03
CWIP000000000000
Investments242428283223253141233010
Other Assets1.281.2411.271.071216122.55221839
Total Assets252529303335414344464850

Cash flows

Real money coming in and going out each year — from the business, from investments and from loans. ₹ crore.

Standalone
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity-0.02-0.214.48-0.93-0.53-11-5.453.808.64-0.79-0.81-37
Cash from Investing Activity00.17-4.450.900.53115.85-4.19-8.861.612.5440
Cash from Financing Activity000000000000
Net Cash Flow-0.02-0.040.03-0.030.010.330.40-0.40-0.220.821.242.63
Free Cash Flow-0.02-0.214.48-0.93-0.53-11-5.453.808.64-0.79-1.31-37

Ratios

How fast customers pay, how long stock sits, and how well capital earns — year by year.

Standalone
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %0.79-1.04161.705.313.92173.752.184.025.041.50

Shareholding pattern

Who owns the company — founders (promoters), foreign funds, Indian funds and the public. In %.

Standalone · to 30 Jun 2026
Line itemSep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters757575757575757575757575
FIIs0000.200.180.551.921.921.692.032.082.08
DIIs0.060.060.060.060.060.060.060.060.060.060.060.06
Public252525252524232323232323
No. of Shareholders21,15921,09920,62420,72520,59820,84820,42520,31720,14120,02419,86719,838

Price trend

The price as a Renko brick chart: small moves drop out so the bigger path stands out.

Change over 1 year -1.0% (₹245.50 → ₹243.02)Brick size ₹8.64 (fixed)Bricks 33
₹225₹275₹300₹243Nov '25Jan '26May '26Jul '26
Price moved up one brickPrice moved down one brickLast close ₹243.02 on 9 Oct 2026

Every brick is the same size, about one typical day's move. A new brick needs a full brick's move; turning the other way needs two. Bricks show where the price went, not where it will go.

Open interestPRO

Where option traders are positioned on this stock.

Industry numbers

The numbers that matter most in this industry, from the company's own filings.

1 when an audit qualification is filed as repetitive

0.00flag

2026-03-31

the company's own unlisted debt securities in default at period end

0.00cr

2026-06-30

the company's own loans / revolving facilities in default at period end (standalone filing)

0.00cr

2026-06-30

guarantees / comfort given for promoter, promoter group, directors and KMP

0.00cr

2026-03-31

loans outstanding to promoter, promoter group, directors and KMP (governance filing)

0.00cr

2026-03-31

security given for the borrowing of promoter, promoter group, directors and KMP

0.00cr

2026-03-31

News

News and filings about Team India Guaranty Limited. Open one to see why it matters.

No recent news for this company.

Supply chain

Who it buys from, sells to and competes with — as recorded in our map of company links.

Competes with

About

What the company is, from our own records: where it sits, where it makes things, and what it is made of.

Sector
Financial Services
Industry
Non Banking Financial Company (NBFC)
Classification
Financial Services › Non Banking Financial Company (NBFC)
ISIN
INE289C01025

News impact

Big market events that reach Team India Guaranty Limited, and how the effect spreads.

No recent market events reach this company.

Dividends, splits & big trades

Money paid out, share splits and buybacks, and big buys or sells by funds and insiders.

Splits, bonuses & buybacks

  • daily-prices repair: 8 rows from NSE's archive (replace 2, delete 0, insert 6), 2016-10-30..2026-02-01 (docs/flat_day_repair.md)1× · 30 Oct 2016

Documents

Annual reports, results presentations and earnings calls, straight from the source.

Facts from company filings and exchange data. Not investment advice: nothing here tells you to buy or sell.