Team India Guar. (TEAMGTY)

Score breakdown: P/E: 0/3 · ROCE: 0/2 · Growth: 0/2 · Dividend: 0/1

Key Financials

Strengths

• Promoter holding of 74.92% aligns management's interests with minority shareholders.
• Sales growth of 60% shows top-line momentum, though from a very small base.
• Book value per share is positive at ₹51.54, so the company is not balance-sheet distressed on the face of it.
• Small market cap of ₹237 Cr means a genuine operational recovery could move earnings substantially.

Concerns

• P/E of 111.91 with profit growth of -70.69% and latest quarter net profit of ₹0 Cr suggests the market is pricing in a recovery that has not yet appeared.
• ROE of 4.56% and ROCE of 6.05% are too low to justify a P/B of 5.02.
• D/E ratio is N/A; for an NBFC, missing leverage disclosure is a serious red flag for downside risk.
• Piotroski F-Score of 4/9 and zero dividend yield offer no margin of safety or compensation for waiting.

AI Analysis

Let me look at Team India Guar as a business, not a ticker. This NBFC has a ₹237 Cr market cap and a share price of ₹258.93. The first thing that screams to me is valuation: it trades at 111.91 times earnings, yet reported profit growth of -70.69% and a latest quarter with ₹1 Cr of sales and net profit of ₹0 Cr. In Graham's language, price is what you pay; value is what you get. I would be paying a premium for a business that currently earns almost nothing. The 60% sales growth is curious, but for a lender, growing topline while profits collapse is not automatically good. It could mean rising provisions, funding costs, or dilution—I don't know from the data. What I do know is that ROE is only 4.56% and ROCE only 6.05%. A company earning far below a reasonable cost of equity cannot justify 5.02 times book value. Book value of ₹51.54 gives some support, but at ₹258.93 I am paying five rupees for each rupee of tangible backing for a sub-par return. I also notice Debt/Equity is N/A. For an NBFC, leverage is the oxygen of the business. If I can't see the debt level, I can't model the downside. The Piotroski F-Score of 4 out of 9 reinforces caution. There is no dividend, so patient shareholders are not paid to wait. Even a PEG of 1.87 loses meaning when profit growth is sharply negative. The high promoter holding of 74.92% is positive: those running the company have skin in the game. But skin in the game cuts both ways if minority protections are weak. This looks like a turnaround candidate, not a proven compounder. I need consistent quarterly earnings, an explained profit recovery, and clear leverage numbers before considering an investment. Until then, this is an interesting company to study—and an expensive one to own.

Data from BSE/NSE filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer