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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
History
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
Team India Guaranty Ltd, formerly Times Guaranty Limited, is an India-based non-deposit-accepting, non-banking financial company (NBFC). The Company is primarily engaged in investing activities. The Company operates through the income from investing and financial activities…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A decent, stagnant business, priced for perfection.
Times Guaranty is scored on the nbfc / financials framework. It keeps a healthy 13.1% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 41%/yr and profit at -9%/yr. Book value has grown 4%/yr. Return on equity is a weak 5.6%.
At 271× earnings, the stock sits at the 87th percentile of its own 3.6-year range — the expensive end of where it has historically traded. Today's price already implies ~41%/yr earnings growth sustained for a decade — a demanding bar. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 199.18 | — | — |
| P/B | 4.5 | 7.09 | better |
| EV/EBITDA | 150.7 | — | — |
| ROE | 5.58 | 4.84 | better |
| ROCE | 3.6 | — | — |
| ROA | 2.86 | — | — |
| Quick Ratio | 11.12 | — | — |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| Bajaj Finance | 30.6 | 5.5 | 17.6% |
| Bajaj Finserv | 13.6 | 3.5 | 12.7% |
| Shriram Finance | 17.8 | 2.0 | 11.4% |
Not applicable for this sector.
Revenue has grown every year across all 4 financial years shown. 41% CAGR over 3 years — high-growth territory. Growth is accelerating — latest year outpaced the prior year's rate.
Profit is on a 2-year growth streak. Revenue is outpacing profit (41% vs -9%) — costs are rising faster than the top line. The latest year saw a -68% swing — check if it's a one-off or structural.
Operating margin has compressed from 55% to 25% — costs or competition are eating into profitability. The gap between operating and net margin is widening — interest or tax costs are rising.
ROE at 1% — modest; the capital isn't working hard. Low variance across years — a predictable business that earns steadily on its equity base.
EPS dropped in the latest year despite possible profit changes — dilution or a profit dip could be at play. -7% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
3 of 4 years had negative operating cash flow — profitability on paper may not translate to cash.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue rose 81% sequentially — momentum is building. Wide quarterly swings (52% spread) — likely seasonality, lumpy orders, or project-based revenue. Run-rate stepping up — recent quarters average 61% above earlier ones.
1 of 4 quarters loss-making — quarterly profitability is uneven. Profit jumped 236% QoQ — check if this is operating leverage or a one-off item. Quarterly margins are compressing (49% → 33%) — more revenue isn't translating to proportionally more profit.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoters hold 74.9% — heavily owner-operated with strong skin in the game.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.