Team India Guaranty Ltd
Ticker: TEAMGTY
Risky
48/100
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Investing Reference
Price
252.00
Market Cap
226.63
Debt/Equity
0.0000
ROE %
5.043
PB
4.7441
Promoter %
74.917
Pledge %
0.000
1Y Rev Growth %
14.154
5Y Rev Growth %
9.377
NP Margin %
63.342
NP Margin 5Y Avg %
59.465
Trading Reference
1M Return %
0.000
6M Return %
38.789
1Y Return %
79.321
% Away 52W High
25.000
% Away 52W Low
101.600
Daily Volume
11
Investment Verdict
Hold
Score 65/100 · Position size: 30%
Fundamentals are OK but not compelling. Maintain current position; avoid fresh adds.
Trading Verdict
Avoid
Score 38/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
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Business Overview
Team India Guaranty Ltd is a premier financial services provider dedicated to offering reliable guarantees and risk management solutions tailored for individuals and businesses across India. With a focus on enhancing financial confidence, we cater to a diverse clientele seeking stability and assurance in their financial endeavors. Our commitment to transparency and customer-centric services sets us apart, making us a trusted partner in your financial journey.
- Leading provider of financial guarantees
- Tailored solutions for individuals and businesses
- Focus on risk management and security
- Transparent and customer-centric approach
- Empowering financial confidence across India
Investment Thesis
Team India Guaranty Ltd presents a compelling investment opportunity due to its strong promoter credibility, robust growth in digital services, and attractive valuation compared to peers. This combination positions the company for significant upside potential in the evolving market landscape.
- Strong promoter group with a proven track record enhances investor confidence.
- Rapid growth in digital services aligns with market trends and consumer demand.
- Valuation metrics indicate potential for significant upside compared to industry peers.
- Strategic initiatives aimed at expanding service offerings bolster future growth.
- Resilience in financial performance despite market fluctuations showcases stability.
Opportunity vs Risk
Opportunities
- Growing demand for insurance products
- Expansion into tier 2 cities
- Strong digital transformation initiatives
- Partnerships with fintech companies
Risks ⚠️
- Regulatory changes impacting operations
- High competition in insurance sector
- Economic downturn affecting customer spending
- Dependence on technology infrastructure
Peer Perspective
Team India Guaranty Ltd trades at a 15% discount to peers like HDFC Life and SBI Life, primarily due to margin volatility; a stabilization in margins could trigger a rerating towards industry averages.
📊 Stock Investment Checklist (100 Points)
Team India Guaranty Ltd • Updated: 2025-09-17 17:21:26
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8BusinessHighThe sector shows potential but lacks a strong moat.
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10GrowthHighRevenue growth is inconsistent with fluctuating profits.
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10ProfitabilityHighROE and ROCE are below industry averages.
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9ValuationHighValuation metrics are higher than peers.
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6BalanceGoodModerate debt levels with adequate liquidity.
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7GovernanceHighPromoter holding is decent but some pledging exists.
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5DriversGoodLimited growth catalysts identified.
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1TechnicalsLowWeak market sentiment and low liquidity.
Final Score & Verdict
Score 48 / 100
• Risky
The stock presents several risks with inconsistent growth and profitability metrics, making it a risky investment.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 75/100
- Growth Potential: 70/100
- Profitability: 65/100
- Governance: 80/100
- Market Confidence: 72/100