SG Finserve (SGFIN) — Financial Results

Investor Takeaways

Record Q1 FY27 PBT of INR72 crores, up 82% YoY and 27% QoQ

Loan book grew 16% QoQ to INR4,552 crores

ROE target increased to 16% with leverage maintained at 2.2x

⚠️ Execution risks noted in new verticals like insurance brokerage

Overall Tone: Positive

Key Financial Highlights

Metric	Value	YoY Change
Revenue	Not available	N/A
Net Profit	INR72 crores	82%
EBITDA	Not available	N/A
EPS	Not available	N/A
OPM	Not available	N/A

What Changed

SG Finserve Limited (SGFIN) reported record profitability in Q1 FY27, with PBT reaching INR72 crores—a 27% quarter-on-quarter increase and 82% year-on-year growth. This performance was driven by a 16% QoQ expansion in the loan book, which reached INR4,552 crores. Management has raised its ROE target to 16% for FY27, supported by maintaining a leverage ratio of 2.2x and scaling the equity base to INR1,700 crores by FY27. The company emphasized a strategic focus on expanding into factoring, TReDS, and insurance brokerage to achieve 25-30% AUM CAGR and 30-35% profitability CAGR by FY30. Asset quality remains strong with nil NPAs and a 5.1% RoA. While the financial metrics reflect robust momentum, the filing explicitly notes execution risks associated with scaling new business verticals.

Peer Comparison

Company	P/E	ROE	ROCE	Market Cap (₹ Cr)
SG Finserve Limited (SGFIN)	31.36	Not available	Not available	3,234.64
HDFC Bank Limited (HDFCBANK)	15.5	14.3%	24.4%	1,18,1607.38
ICICI Bank Limited (ICICIBANK)	15.47	N/A%	N/A%	8,92,242
State Bank of India (SBIN)	10.44	N/A%	N/A%	8,89,093.09

SG Finserve trades at a premium to peers on P/E basis, reflecting growth expectations, though its ROE and ROCE metrics are not directly comparable due to data unavailability in the provided peer data.

Risks & Concerns

Execution risks in new verticals such as insurance brokerage

Reliance on loan book expansion for profitability growth

ROE and ROCE metrics not disclosed in current filing

Quarterly Trend

Quarter	Revenue (₹ Cr)	Net Profit (₹ Cr)	OPM%
Q1 FY27	Not available	72	Not available

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About SG Finserve Limited (SGFIN)

Financial Services · Finance · Listed on NSE

Market Cap: ₹4,355.99 Cr P/E: 24.9 ROE: 10.8% ROCE: 9.0%

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🔥 Also filed on 18 July 2026

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Source: Stock Announcements. Analysis by StockFin.ai. For informational purposes only — not investment advice.

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This analysis was programmatically compiled using StockFin AI utilizing official regulatory disclosures from the BSE and NSE. Content is automatically synthesized and audited against public financial filings. StockFin.ai is an educational research platform and is NOT a SEBI-registered investment advisor or research analyst.

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