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Investor Presentation

SG Finserve Investor Presentation: Key Takeaways

SG Finserve reported record Q2FY27 performance with PAT reaching ₹59 Cr. The company is scaling its supply chain finance ecosystem, with 75% of the loan book now outside the APL Apollo Group.

SG Finserve Ltd NSE: SGFIN Alert sent Investor presentation
Guidance and delivery
Management target Net Profit 32.5% multi-year
Highlights
Revenue growth109% YoY for H1FY27
MarginsRoA at 4.9%; RoE run rate improved to ~15%
Order bookLoan Book at ₹5,694 Cr
Demand visibilityStrong; over 80% loan growth from new customers
Management confidenceHigh; citing 'visible growth' and 'disciplined profitability'

Growth

Q2FY27 Operating Income grew 115% YoY to ₹161 Cr; PAT grew 106% YoY to ₹58.5 Cr. Loan book grew 98% YoY to ₹5,694 Cr.

Outlook

Guidance of 25-30% AUM CAGR and 30-35% PAT CAGR. Expanding geographical presence and anchor base.

Risks

Maintained NIL NPAs, but increasing leverage (3.7x) and expansion into new products like LAP/Digital Lending require monitoring.

Last quarter's promises, checked

Delivered

  • Guided ~14% ROE → Delivered ~15% (= BEAT)
  • Targeted Cost/Income <15% → Delivered <15% (= BEAT)
  • Guided 5% RoA → Delivered 4.9% (= BEAT)

Partly delivered

  • Guided FY27 AUM ₹5,500 Cr → Delivered ₹5,694 Cr in H1 (= BEAT/OVERSHOT)
  • Guided FY27 PBT ₹300 Cr → H1 PBT at ₹150 Cr (= PARTIAL/ON TRACK)
Source

Investor Presentation filed with BSE, NSE: SGFIN. Summary written with AI assistance from the document.

Read the document ↗

SG Finserve Ltd: key numbers

Share price
₹650.00
Market cap
₹4,350 Cr
Revenue (annual)
₹333.4 Cr
Net profit (annual)
₹127.7 Cr
P/E (TTM)
23.2×Sector 19.7×
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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