Team India Guaranty (TEAMGTY) AI Stock Analysis

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Team India Guaranty

(NSE:TEAMGTY)

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Rating:51Neutral

Price Target:INR 228.00▲(0.53% Upside)

Action:reiterated

Date:11/14/26

The company benefits from a conservative, debt-free balance sheet, but inconsistent cash flow and earnings, weak technical momentum, and a very high P/E ratio materially limit the overall score.

Positive Factors

Conservative Balance SheetMinimal reported debt and a large, stable equity base reduce financial risk and preserve flexibility during weaker operating periods. This capitalization can support continued operations and investment without the refinancing pressure or interest burden associated with highly leveraged businesses.

Negative Factors

Volatile Cash ConversionRepeated periods of negative operating and free cash flow make the company’s cash generation less dependable than the latest rebound alone suggests. Such volatility can complicate budgeting and capital allocation, while increasing reliance on timing effects or internally generated improvements that may not persist.

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

Market Cap: INR 2.22B
Dividend Yield: ―
Average Volume (3M): 157
Price to Earnings (P/E): 178.6
Beta (1Y): -0.28
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

The debt-free balance sheet and growing asset and equity base are strengths, but volatile earnings, revenue, and cash flow reduce overall financial quality.

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 Price226.80

Price Trends

50DMA241.22Negative

100DMA236.43Negative

200DMA248.28Negative

Market Momentum

MACD-1.94Positive

RSI44.14Neutral

STOCH52.05Neutral

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 226.80 is below the 20-day moving average (MA) of 238.34, below the 50-day MA of 241.22, and below the 200-day MA of 248.28, indicating a bearish trend. The MACD of -1.94 indicates Positive momentum. The RSI at 44.14 is Neutral, neither overbought nor oversold. The STOCH value of 52.05 is Neutral, 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 4.47B	7.75	―	0.59%	28.88%	53.81%
IN:NSIL	77Outperform	INR 25.92B	44.94	―	―	177.83%	203.85%
IN:BFINVEST	66Neutral	INR 16.16B	4.31	―	2.26%	18.63%	398.69%
IN:JPOLYINVST	64Neutral	INR 9.90B	1.22	―	―	2306.31%	250.34%
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%
IN:TEAMGTY	51Neutral	INR 2.20B	178.56	―	―	71.40%	-53.30%
IN:KICL	47Neutral	INR 19.43B	35.09	―	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	226.80	-13.95	-5.79%
IN:BFINVEST	BF Investment Limited	444.90	-4.59	-1.02%
IN:JPOLYINVST	Jindal Poly Investment and Finance Co. Ltd.	931.60	-29.80	-3.10%
IN:KICL	Kalyani Investment Co. Ltd.	4452.05	-658.85	-12.89%
IN:NSIL	Nalwa Sons Investments Limited	5053.50	-1875.30	-27.07%
IN:SILINV	SIL Investments Limited	425.00	-152.60	-26.42%

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: Nov 14, 2026

Team India Guaranty AI Stock Analysis