| Management target | Net Profit 32.5% FY27 |
|---|
| Margins | RoA at 5.1% and RoE at 14.0%. |
|---|---|
| Order book | Loan book at ₹4,552 Cr, up 16% QoQ. |
| Demand visibility | Strong momentum in supply chain finance; expanding product offerings. |
| Management confidence | High; 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
Read the document ↗
Earnings Call filed with BSE, NSE: SGFIN. Summary written with AI assistance from the document.
SG Finserve Ltd: key numbers
- Share price
- ₹609.70
- Market cap
- ₹4,081 Cr
- Revenue (annual)
- ₹333.4 Cr
- Net profit (annual)
- ₹127.7 Cr
- P/E (TTM)
- 26.0×Sector 22.0×
- Promoter holding
- 56.95%+4.03% QoQ
- FII holding
- 0.54%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
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Credit Rating
SG Finserve Credit Rating
CRISIL assigned Crisil AA-/Stable and A1+ ratings to SG Finserve's bank loan facilities of Rs. 800 crore. The action reflects strong APL Apollo Group support and healthy earnings.