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Earnings Call

SG Finserve Earnings Call: Key Takeaways

SG Finserve reported record Q1FY27 results with PAT rising 119% YoY to ₹54 Cr. The company focuses on supply chain financing with a NIL NPA book.

SG Finserve Ltd NSE: SGFIN Alert sent
Guidance and delivery
Management target Net Profit 32.5% FY27
Highlights
MarginsRoA at 5.1% and RoE at 14.0%.
Order bookLoan book at ₹4,552 Cr, up 16% QoQ.
Demand visibilityStrong momentum in supply chain finance; expanding product offerings.
Management confidenceHigh; citing strongest quarter to date and record loan book.

Growth

Loan book grew 82% YoY to ₹4,552 Cr; Operating income more than doubled YoY to ₹136 Cr.

Outlook

Guidance of 25-30% AUM CAGR and 30-35% PAT CAGR; launching LAP and digital lending programs.

Risks

Potential credit risk in supply chain and sector-specific downturns, though current NPAs remain NIL.

Last quarter's promises, checked

Delivered

  • Guided NIL NPA → delivered NIL NPA (= BEAT)
  • Guided 25-30% AUM Growth → delivered 82% YoY / 16% QoQ (= BEAT)
  • Guided RoA 4.5-5.0% → delivered 5.1% (= BEAT)

Partly delivered

  • Guided RoE 14-16% → delivered 14.0% (= PARTIAL)
Source

Earnings Call filed with BSE, NSE: SGFIN. Summary written with AI assistance from the document.

Read the document ↗

SG Finserve Ltd: key numbers

Share price
₹718.45
Market cap
₹4,808 Cr
Revenue (annual)
₹333.4 Cr
Net profit (annual)
₹127.7 Cr
P/E (TTM)
25.7×Sector 20.8×
Promoter holding
56.95%+0.00% QoQ
FII holding
1.00%Current quarter

Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.

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