Team India Guaranty Ltd
Team India Guaranty Ltd exhibits a highly levered equity structure, with total equity of ₹477.68 crore and total liabilities of ₹1.67 crore, resulting in a debt-to-equity ratio of 0.0. The company's liquidity position is assessed as low, with negative operating cash flow of ₹8.11 crore and free cash flow of ₹23.47 crore, indicating reliance on non-operational cash generation. The return on equity (ROE) of 4.91% and return on assets (ROA) of 4.9% suggest moderate efficiency in generating returns from equity and total assets. The company's profitability is strong relative to its asset base, with net income of ₹23.47 crore and operating income of ₹27.98 crore on total assets of ₹479.35 crore. However, the ROE and ROA figures are below the typical thresholds for high-performing financial institutions, indicating potential constraints in leveraging equity effectively. The company operates through a single segment focused on investing and financial activities, with no disclosed geographic diversification. Revenue is entirely concentrated within this segment, and there is no information on geographic revenue distribution, suggesting a high concentration risk. The company's growth trajectory is not clearly defined in the provided data, as there is no historical revenue growth or forward-looking guidance. The absence of long-term debt and the low liquidity risk assessment suggest a conservative capital structure, but the negative operating cash flow raises concerns about operational sustainability. Risk factors include low liquidity and the absence of immediate dilution pressures. The company has no disclosed long-term debt, and there are no filing-based flags for liquidity or dilution. However, the negative operating cash flow could signal underlying operational inefficiencies or market challenges. Recent events include the company's rebranding from Times Guaranty Limited to Team India Guaranty Ltd, but there are no disclosed filings or transcripts in the provided data that indicate significant recent developments or strategic shifts.
Business. Team India Guaranty Ltd is an India-based non-deposit-accepting, non-banking financial company (NBFC) primarily engaged in investing and financial activities, generating revenue through income from these operations.
Classification. The company is classified under the Financials economic sector, Banking & Investment Services business sector, and Corporate Financial Services industry, with a confidence level of 0.92.
- The company has a strong net income but faces challenges in generating positive operating cash flow.
- The absence of long-term debt and low liquidity risk suggest a conservative capital structure.
- Revenue is entirely concentrated in a single segment, increasing exposure to market-specific risks.
- The company's ROE and ROA are moderate, indicating room for improvement in asset and equity utilization.
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- No immediate filing-based liquidity or dilution flags were detected.