TIMESGTY.NS
Key Ratios

Net Profit Margin: Making very high profit as compared to its revenue which generally means either business holds monopoly in the market or it is a high-margin business

Acid Test Ratio: It has very strong liquidity, which means it can can cover its liabilities without relying on inventory

Inventory Turnover: NA

Coverage Analysis: At a very strong financial position where company is easily able to pay its interest payments from its earnings (EBIT + Lease Payments)

Debt to Equity Ratio: Company has low debt when compared to its equity which means it is financially stable

P/E Ratio: Overvalued stock which means company is making very less revenue per share but stock price is very high which represent speculative stock

Performance Graph
Financial Ratios
Ratio Value
PE Ratio84.12
Net Profit Margin1.46
Acid Test Ratio92.65
Inventory Turnover0.00
Coverage Ratio23633.00
Debt to Equity0.00
Key Ratios

Net Profit Margin: Making very high profit as compared to its revenue which generally means either business holds monopoly in the market or it is a high-margin business

Return on Assets: Good efficiency of the assets which indicates assets are making more than average contribution to the revenue

Return on Equity: Very low income of the company when compared with its equity, which means inefficient equity

Performance Graph
Profitability Ratios
Ratio Value
Net Profit Margin1.46
Return on Assets0.19
Return on Equity0.04
Performance Graph
Key Ratios

Acid Test Ratio: It has very strong liquidity, which means it can can cover its liabilities without relying on inventory

Current Ratio: It has excess cash even after covering its short-term liabilities, which also may indicates mismanagement os assets in some cases

Performance Graph
Liquidity Ratios
Ratio Value
Acid Test Ratio92.65
Current Ratio92.65
Performance Graph
Key Ratios

Inventory Turnover: NA

Performance Graph
Efficiency Ratios
Ratio Value
Inventory Turnover0.00
Performance Graph
Key Ratios

Coverage Analysis: At a very strong financial position where company is easily able to pay its interest payments from its earnings (EBIT + Lease Payments)

Performance Graph
Coverage Ratios
Ratio Value
Coverage Ratio23633.00
Performance Graph
Key Ratios

Debt to Equity Ratio: Company has low debt when compared to its equity which means it is financially stable

Interest Coverage Ratio: Company is at low risk of getting default as it can easily cover its interest payments and strong financial health

Performance Graph
Solvency Ratios
Ratio Value
Debt to Equity Ratio0.00
Interest Coverage Ratio23633.00
Performance Graph
Key Ratios

P/E Ratio: Overvalued stock which means company is making very less revenue per share but stock price is very high which represent speculative stock

Dividend Yield: Low yield, focus on growth rather than dividends (Low dividend yield, which means company is focusing on growth

Performance Graph
Market Ratios
Ratio Value
P/E Ratio84.12
Gross Profit Margin0.86
Price to Book Ratio3.32
Dividend Yield0.00
Performance Graph

Balance Sheet Analysis of Times Guaranty Limited

The balance sheet in the financial statement of the company shows its financial position at a particular point in time.

It consists of the following:

  • Assets: Something that the company owns and that gives financial benefits over a period of time.
  • Liabilities: Something that a company owes and that has a financial burden on the company.
  • Equity: It is basically the owner’s share in the company.

The formula is:

Assets = Liabilities + Equity
đź“ŚAssets:
Asset
Value & Year
2024
2023
2022
Total Assets 455014000 437139000 427815000
Total Non Current Assets 390067000 424579000 401462000
Other Non Current Assets 5302000 330000 270000
Non Current Prepaid Assets 21000 26000 -
Non Current Deferred Taxes Assets - - -
Financial Assets - - -
Investment In Financial Assets 382456000 405814000 389993000
Held To Maturity Securities 200069000 200000000 105500000
Available For Sale Securities 177500000 200000000 100023000
Financial Assets Fair Value 4887000 5814000 184470000
Long Term Equity Investment - - -
Investments In Associates At Cost - - -
Goodwill And Other Intangible Assets - - -
Other Intangible Assets - - -
Goodwill - - -
Net Ppe - - -
Accumulated Depreciation - - -
Gross Ppe - - -
Construction In Progress - - -
Other Properties - - -
Machinery Furniture Equipment - - -
Buildings And Improvements - - -
Land And Improvements - - -
Properties - - -
Current Assets 64947000 12560000 26353000
Other Current Assets - 5771000 150000
Hedging Assets Current - - -
Assets Held For Sale Current - - -
Restricted Cash - - -
Prepaid Assets 5105000 5771000 150000
Inventory - - -
Other Inventories - - -
Finished Goods - - -
Work In Process - - -
Raw Materials - - -
Other Receivables - - -
Taxes Receivable -128000 501000 -
Accounts Receivable - - 2222000
Allowance For Doubtful Accounts Receivable - - -
Gross Accounts Receivable - - -
Cash Cash Equivalents And Short Term Investments 59970000 6288000 23981000
Other Short Term Investments 50523000 5063000 20567000
Cash And Cash Equivalents 9447000 1225000 3414000
Cash Equivalents - - -
Cash Financial 9447000 1225000 3414000
đź“Ś Liabilities & Equity
Liability/Equity
Value & Year
2024
2023
2022
Net Debt - - -
Total Debt - - -
Total Liabilities Net Minority Interest 700000 611000 739000
Total Non Current Liabilities Net Minority Interest -1000 1000 -
Other Non Current Liabilities 2000 - -
Derivative Product Liabilities - - -
Non Current Pension And Other Postretirement Benefit Plans - - -
Trade And Other Payables Non Current - - -
Non Current Deferred Revenue - - -
Non Current Deferred Taxes Liabilities - - -
Long Term Debt And Capital Lease Obligation - - -
Long Term Capital Lease Obligation - - -
Long Term Debt - - -
Long Term Provisions - - -
Current Liabilities 701000 610000 739000
Other Current Liabilities - - -
Current Deferred Taxes Liabilities - - -
Current Debt And Capital Lease Obligation - - -
Current Capital Lease Obligation - - -
Current Debt - - -
Pension And Other Post Retirement Benefit Plans Current - - -
Current Provisions - - -
Payables 701000 610000 739000
Other Payable 694000 610000 739000
Dividends Payable 7000 - -
Total Tax Payable - - -
Accounts Payable - - -
Common Stock Equity 454314000 436528000 427076000
Total Capitalization 454314000 436528000 427076000
Total Equity Gross Minority Interest 454314000 436528000 427076000
Minority Interest - - -
Stockholders Equity 454314000 436528000 427076000
Other Equity Interest 364292000 346508000 337055000
Treasury Stock - - -
Retained Earnings 244144000 229807000 222317000
Additional Paid In Capital 64764000 64764000 64764000
Capital Stock 90021000 90021000 90021000
Common Stock 90021000 90021000 90021000

Income statement interpretation for Times Guaranty Limited

The income statement in the financial statement of the company shows its company financial performance over a period in time.

It consists of the following:

  • Revenue: It is the total amount of money earned from the core business activity of the company.
  • Expenses: It is the total amount required for running the full functionality of the company.
  • Profit or loss:In very simple terms, when a company pays its expenses using its revenue, then what’s left is profit, and in case expenses are more when compared with revenue, then it is loss.
đź“ŚRevenue & Profitability
Revenue/Profitability
Value & Year
2024
2023
2022
Total Revenue 12241000 4951000 12189000
Operating Revenue 12241000 4951000 12189000
Cost Of Revenue 1666000 1573000 1542000
Gross Profit 10575000 3378000 10647000
Ebitda 23633000 10785000 20141000
Ebit 23633000 10785000 20141000
Operating Income 3749000 -3816000 11885000
Net Income 17922000 9366000 15653000
Net Income From Continuing Operation Net Minority Interest 17922000 9366000 15653000
Net Income From Continuing And Discontinued Operation 17922000 9366000 15653000
Net Income Common Stockholders 17922000 9366000 15653000
Net Income Including Noncontrolling Interests 17922000 9366000 15653000
Net Income Discontinuous Operations - - -
Net Income Continuous Operations 17922000 9366000 15653000
Normalized Income 17922000 9366000 15653000
Normalized Ebitda 23633000 10785000 20141000
Total Unusual Items - - -
Total Unusual Items Excluding Goodwill - - -
đź“ŚExpenses & Taxes
Expenses/Taxes
Value & Year
2024
2023
2022
Reconciled Depreciation - - -
Reconciled Cost Of Revenue 1666000 1573000 1542000
Total Expenses 8492000 8767000 304000
Operating Expense 6826000 7194000 -1238000
Other Operating Expenses 4179000 4154000 2444000
Depreciation And Amortization In Income Statement - - -
Amortization - - -
Depreciation Income Statement - - -
Selling General And Administration 2542000 2761000 2510000
Selling And Marketing Expense 137000 224000 195000
General And Administrative Expense 2405000 2537000 2315000
Rent And Landing Fees 90000 85000 89000
Tax Provision 5710000 1370000 4408000
Pretax Income 23632000 10735000 20061000
Other Non Operating Income Expenses 94000 235000 12000
Special Income Charges - - -
Other Special Charges - - -
Write Off - - -
Net Non Operating Interest Income Expense 19785000 14316000 8165000
Total Other Finance Cost 4000 5000 78000
Interest Expense Non Operating 1000 50000 80000
Interest Income Non Operating 19790000 14371000 8323000
đź“Ś Earnings Per Share
Earnings Per Share
Value & Year
2024
2023
2022
Diluted Eps 1.98 1.05 1.77
Basic Eps 1.98 1.05 1.77
Diluted Ni Avail To Com Stockholders 17922000 9366000 15653000
Net Income From Continuing Operations 23632000 10735000 20062000
Minority Interests - - -

Cash flow analysis for Times Guaranty Limited

The cashflow statement in the financial statement of the company shows how cash is moving in or moving out of the company over a period of time.

It consists of the following:

  • Operating activities: Cash flow from the core business operations.
  • Investing activities: Cashflow from investments made by the company.
  • Financing activities: These are cash from loans or by issuing shares or paying out dividends.
đź“ŚOperating Cash Flow
Operating Cash Flow
Value & Year
2024
2023
2022
Operating Cash Flow -7913000 86407000 37953000
Changes In Cash 8222000 -2189000 -3970000
Taxes Refund Paid - - -
Change In Working Capital 885000 95196000 44993000
Change In Other Current Liabilities 8000 1000 115000
Change In Other Current Assets 793000 93103000 -411000
Change In Payable 84000 -130000 -1727000
Change In Inventory - -5681000 -
Change In Receivables - 2222000 47016000
Other Non Cash Items -31437000 -17784000 -16771000
Stock Based Compensation - - -
Provision And Write Off Of Assets - - -
Depreciation And Amortization - - -
Amortization Cash Flow - - -
Depreciation - - -
đź“ŚInvesting Cash Flow
Investing Cash Flow
Value & Year
2024
2023
2022
Investing Cash Flow 16135000 -88596000 -41923000
Net Other Investing Changes 5807000 -2716000 -12143000
Interest Received Cfi 31437000 17784000 16771000
Dividends Received Cfi - - -
Net Investment Purchase And Sale -21109000 -103664000 -46551000
Sale Of Investment - - -
Purchase Of Investment - - -
Net Business Purchase And Sale - - -
Sale Of Business - - -
Purchase Of Business - - -
Net Ppe Purchase And Sale - - -
Sale Of Ppe - - -
Purchase Of Ppe - - -
Net Intangibles Purchase And Sale - - -
Purchase Of Intangibles - - -
đź“Ś Financing Cash Flow
Financing Cash Flow
Value & Year
2024
2023
2022
Financing Cash Flow - - -
Net Other Financing Charges - - -
Interest Paid Cff - - -
Cash Dividends Paid - - -
Common Stock Dividend Paid - - -
Net Common Stock Issuance - - -
Common Stock Payments - - -
Common Stock Issuance - - -
Repurchase Of Capital Stock - - -
Repayment Of Debt - - -
Issuance Of Debt - - -
Issuance Of Capital Stock - - -
Net Issuance Payments Of Debt - - -
Net Short Term Debt Issuance - - -
Short Term Debt Issuance - - -
Net Long Term Debt Issuance - - -
Long Term Debt Payments - - -
Long Term Debt Issuance - - -
Net Preferred Stock Issuance - - -
Preferred Stock Payments - - -

Summary

Fundamental Overview of TIMESGTY.NS (Times Guaranty Limited)

Above is the summary for fundamental analysis of Times Guaranty Limited , whose ticker name is TIMESGTY.NS and belongs to sector Financial Services, and it is listed in NSE (National Stock Exchange).

The Times Guaranty Limited which is listed in NSE (National Stock Exchange) has a PE ratio of 84.12, TIMESGTY.NS has a net profit margin of 1.46, the acid test ratio for TIMESGTY.NS is 92.65, TIMESGTY.NS has an inventory turnover of 0.00, and TIMESGTY.NS has debt-to-equity ratio of 0.00.

The TIMESGTY.NS whose company name is Times Guaranty Limited has made profit/loss of 10575000 with total revenue of 12241000, TIMESGTY.NS has assets worth of 455014000.

1. What is fundamental analysis?

Fundamental analysis is looking into a company’s real business performance by analyzing financial statements, earning reports, and key valuation ratios.

Basically, fundamental analysis involves examining a company’s revenue, profits, losses, debts, assets, liabilities, and ratios calculated using these values to determine long-term investment strategies.

Fundamental analysis may not work for short-term trading of stock; it is usually incorporated by long-term investors.

2. Importance of Fundamental Analysis

Imagine you are locking a good amount of funds into an unknown company for many years. Sounds stupid, right?

This is where fundamental analysis comes into the picture, which turns an unknown enemy into a known friend.

As fundamental analysis involves calculating how a company is actually performing, the real revenue, profits, assets, liabilities, debts, and more. This helps investors to determine what the actual current financial condition of the company is, how much the company’s stock price is justified when compared to earnings (Corporate earnings reports India) that it is making through business, what the probability is that the company will go bankrupt in the future, how much growth the company has shown in the past, and other financial ratios.

All these calculations and analyses determine the financial health of the company, historical business growth, company’s efficiency, and its stock price compared with real earnings (Corporate earnings reports India), which helps traders to make investment decisions for long-term investment strategies.

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