Team India Guaranty (TEAMGTY) AI Stock Analysis

Team India Guaranty

(NSE:TEAMGTY)

Select Model

Rating:59Neutral

Price Target:INR 256.00▲(8.94% Upside)

Action:reiterated

Date:09/06/26

The overall score reflects a solid but uneven financial profile, with a strong, debt-free balance sheet offset by volatile earnings and cash flows, combined with a relatively supportive technical picture but an expensive valuation that limits the appeal for value-focused investors.

Positive Factors

Conservative balance sheetMinimal leverage and a large, stable equity base reduce financial risk and provide resilience through weaker operating periods. This capitalization should preserve flexibility to fund the business, absorb volatility, and pursue opportunities without heavy interest or refinancing burdens.

Negative Factors

Net income declined despite revenue growthFalling net income while revenue rises signals weak earnings conversion and limits the quality of the reported growth. Higher costs or reduced non-operating support could continue to pressure profitability, making future earnings less predictable even if sales remain strong.

Team India Guaranty (TEAMGTY) vs. iShares MSCI India ETF (INDA)

Market Cap: INR 2.11B
Dividend Yield: ―
Average Volume (3M): 152
Price to Earnings (P/E): 186.4
Beta (1Y): -0.39
Revenue Growth: 71.40%
EPS Growth: -53.30%
Country: India
Employees: 30
Sector: General
Sector Strength: 55
Industry: Asset Management

Team India Guaranty Business Overview & Revenue Model

Company Description

Team India Guaranty Limited is an Indian non-banking financial institution, operating without accepting deposits, that provides investment solutions. The company primarily focuses on deploying its own capital into secure debt instruments and eligible...

Team India Guaranty Financial Statement Overview

Summary

Financial strength is moderate: the company is debt-free with steadily rising equity and assets and a rebound in revenue and profitability, but earnings and cash flows have been volatile, with erratic margins and inconsistent free cash flow.

Income Statement

55Neutral

Balance Sheet

75Positive

Cash Flow

45Neutral

Financial statement breakdown
Breakdown	TTM	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022
Income Statement
Total Revenue	69.33M	54.95M	35.29M	36.88M	32.13M	12.19M
Gross Profit	61.87M	53.29M	35.29M	36.88M	32.44M	10.65M
EBITDA	13.62M	13.91M	28.15M	23.63M	10.79M	20.14M
Net Income	10.97M	7.17M	23.47M	23.47M	17.92M	9.37M
Balance Sheet
Total Assets	0	495.32M	479.35M	479.35M	455.01M	427.81M
Cash, Cash Equivalents and Short-Term Investments	48.08M	48.08M	171.82M	245.21M	59.97M	201.22M
Total Debt	0	0	0	0	0	0
Total Liabilities	-485.31M	10.01M	1.67M	1.67M	700.00K	611.00K
Stockholders Equity	485.31M	485.31M	477.68M	454.31M	454.31M	427.08M
Cash Flow
Free Cash Flow	-171.51M	56.80M	-8.11M	-8.11M	86.41M	37.95M
Operating Cash Flow	-171.51M	57.17M	-8.11M	-7.91M	86.41M	37.95M
Investing Cash Flow	152.80M	349.06M	20.48M	16.14M	-88.60M	-41.92M
Financing Cash Flow	0	-379.97M	0	0	0	0

Team India Guaranty Technical Analysis

Technical Analysis SentimentNegative

Last Price235.00

Price Trends

50DMA241.33Negative

100DMA236.94Negative

200DMA250.37Negative

Market Momentum

MACD-2.50Positive

RSI46.74Neutral

STOCH15.17Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:TEAMGTY, the sentiment is Negative. The current price of 235.00 is below the 20-day moving average (MA) of 241.39, below the 50-day MA of 241.33, and below the 200-day MA of 250.37, indicating a bearish trend. The MACD of -2.50 indicates Positive momentum. The RSI at 46.74 is Neutral, neither overbought nor oversold. The STOCH value of 15.17 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:TEAMGTY.

Team India Guaranty Peers Comparison

Overall Rating

UnderperformOutperform

Sector (55)

Financial Indicators

IN:TEAMGTY against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
IN:SILINV	83Outperform	INR 4.64B	9.00	―	0.57%	28.88%	53.81%
IN:BFINVEST	77Outperform	INR 14.45B	3.72	―	2.62%	18.63%	398.69%
IN:NSIL	70Outperform	INR 25.30B	44.13	―	―	18.11%	27.78%
IN:TEAMGTY	59Neutral	INR 2.11B	186.43	―	―	71.40%	-53.30%
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%
IN:JPOLYINVST	54Neutral	INR 9.38B	1.15	―	―	3151.96%	167.20%
IN:KICL	51Neutral	INR 18.97B	46.63	―	0.23%	-1.23%	-36.71%

* General Sector Average

Performance Comparison

IN:TEAMGTY and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
IN:TEAMGTY	Team India Guaranty Ltd	235.00	-24.00	-9.27%
IN:BFINVEST	BF Investment Limited	383.50	-75.72	-16.49%
IN:JPOLYINVST	Jindal Poly Investment and Finance Co. Ltd.	892.15	-87.25	-8.91%
IN:KICL	Kalyani Investment Co. Ltd.	4346.25	-928.10	-17.60%
IN:NSIL	Nalwa Sons Investments Limited	4925.20	-2024.40	-29.13%
IN:SILINV	SIL Investments Limited	438.35	-203.17	-31.67%

Team India Guaranty Corporate Events

Team India Guaranty Sets Digital AGM, Urges KYC and Demat Compliance

Aug 25, 2026

Team India Guaranty Limited has informed exchanges that it has sent letters to shareholders whose email addresses are not registered, providing a web link to access the notice of its 36th Annual General Meeting and the annual report for fiscal 2025-2...

Glossary

BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.

Date of analysis: Sep 06, 2026

Team India Guaranty AI Stock Analysis