SG Finserve Ltd

SGFIN

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Market Cap

₹ 2,244 Cr

P/E

22.35

Turned 1 L into 1.70 Cr in last 5 Years

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Investment Checklist

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Performance

STEADY PERFORMER

Valuation

OVERVALUED

Growth

EXCEPTIONAL

Profitability

MODERATE MARGIN

Technicals

Bearish

Risk

LOW RISK

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Price

PE Ratio

Price

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Overview

Detailed Summary

SG Finserve Limited is a non-banking financial company (NBFC) specialized in supply chain financing, providing financial solutions to dealers, distributors, vendors, and retailers in India.

The company's recent performance indicates significant growth, with a 250% year-on-year increase in its loan book and a 58% rise in profit after tax for H1FY26 compared to H1FY25.

SG Finserve maintains a robust credit rating with CRISIL AA and A1+ from leading agencies, evidencing its strong financial health and reliability in the market.

A significant aspect of SG Finserve's strategy includes leveraging technology deeply integrated with anchor systems, digitizing loan lifecycles, and launching tools like a customer mobile app to enhance services and expand outreach.

Management changes are underway with the upcoming transition of leadership roles to ensure continued strategic growth, focusing on maintaining zero NPAs and expanding the loan book substantially by 2027.

Sector

Finance

Industry

NBFC-Others

Market Cap

2,244 Cr

Volatility

Low Risk

P/E Ratio

22.4

Industry P/E

34.5

PEG Ratio

0.1

P/B Ratio

2.1

52W High

460.60

52W Low

308.00

Sales CAGR

-9.85%

715.13%

418.24%

10Y

53.75%

Profit CAGR

3.07%

369.14%

—

10Y

112.33%

ROE

TTM

9.37%

7.43%

7.48%

10Y

7.35%

ROCE

TTM

7.21%

6.59%

6.62%

10Y

6.57%

Technicals

Oscillators

BearishNeutralBullish

Neutral

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bearish

Neutral

Bullish

Moving Averages

BearishNeutralBullish

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bearish

Neutral

Bullish

Forecasts

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
UGROCAP	172.95	2,666 Cr	17.14	0.78	0.00	6.31	9.39	1.44
ELCIDIN	127613.00	2,553 Cr	33.61	0.27	0.02	0.82	1.16	0.70
SGFIN	400.80	2,244 Cr	22.35	2.09	0.00	9.37	7.21	3.36
SUMMITSEC	1989.05	2,168 Cr	21.39	0.19	0.00	0.91	1.20	0.79
PFS	33.72	2,166 Cr	6.19	0.73	0.00	11.75	13.19	6.54
MUFIN	112.80	1,968 Cr	105.19	6.19	0.00	5.88	10.39	1.45
ARMANFIN	1485.60	1,569 Cr	—	1.80	0.00	-0.12	10.77	-0.05

Financial Statements

AI Powered Summary

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Standalone Quarterly Results (in ₹ Crores)

Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	35	44	52	59	44	31	42	54	68	75
Expenses	3.36	5.96	5.37	6.74	5.96	10	9.04	6.89	8.79	5.78
Interest	11	15	18	21	12	0.00	1.17	19	25	30
Financing Profit	21	23	29	31	25	21	32	29	34	39
Financing Margin %	60.05	53.13	55.24	53.15	58.15	67.30	75.97	52.99	50.30	51.67
Other Income	0.00	0.00	0.00	0.87	1.05	0.00	0.00	2.54	0.00	0.00
Depreciation	0.02	0.03	0.04	0.08	0.12	0.12	0.13	0.14	0.15	0.17
Profit Before Tax	21	23	29	32	26	21	32	31	34	38
Tax %	25.17	24.87	25.19	25.42	26.16	31.69	26.35	23.43	27.59	26.12
Net Profit	16	17	22	24	19	14	24	24	25	28
EPS in Rs	2.16	3.51	2.84	4.16	3.47	2.52	3.70	3.60	3.67	4.26
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Standalone Profit Loss (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	0.44	0.96	0.02	0.05	1.71	0.32	41	190	171	195
Expenses	0.48	0.54	0.75	1.36	0.70	1.07	8.49	21	28	35
Interest	0.00	0.03	0.04	0.07	0.03	0.00	8.42	64	32	45
Financing Profit	-0.04	0.38	-0.77	-1.38	0.98	-0.75	25	105	111	116
Financing Margin %	-9.75	39.98	-3,853.52	-3,016.67	57.29	-238.06	59.19	55.45	64.70	59.33
Other Income	0.36	0.46	0.31	0.45	0.68	1.88	0.51	0.00	0.00	NaN
Depreciation	0.01	0.02	0.02	0.02	0.01	0.01	0.03	0.17	0.51	0.54
Profit Before Tax	0.30	0.83	-0.48	-0.95	1.65	1.12	25	105	110	118
Tax %	420.14	344.27	352.09	-2,057.35	2,309.11	335.41	378.42	397.16	377.66	26.86
Net Profit	0.23	0.59	-0.34	-1.00	1.58	0.78	18	79	81	86
EPS in Rs	0.06	0.10	-0.06	-0.18	0.28	0.14	3.75	12.67	13.29	15.23
Dividend Payout %	—	—	—	—	—	—	—	—	—	—

Standalone Balance Sheet (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	5.01	5.01	5.01	5.01	5.01	5.01	5.01	41	55	56
Reserves	2.02	2.26	2.84	2.50	1.50	3.08	3.86	532	751	959
Borrowings	0.02	0.00	0.00	0.60	1.07	0.00	0.00	493	957	1,385
Other Liabilities	0.05	0.22	0.60	0.05	0.05	0.08	0.18	13	16	17
Total Liabilities	7.11	7.49	8.45	8.16	7.63	8.17	9.06	1,079	1,779	2,416
Fixed Assets	0.04	0.03	0.02	0.02	0.01	0.01	0.01	0.22	1.91	2.17
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.85	0.00	0.00
Investments	0.00	0.87	0.91	1.17	1.66	1.40	2.33	0.00	0.00	80
Other Assets	7.07	6.59	7.52	6.97	5.96	6.76	6.71	1,078	1,778	2,334
Total Assets	7.11	7.49	8.45	8.16	7.63	8.17	9.06	1,079	1,779	2,416

Standalone Cash Flows (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-0.78	-0.31	-0.14	-0.88	-0.91	0.18	0.45	-941	-565	-489
Cash from Investing Activity	-1.49	0.17	-0.09	0.76	0.51	0.93	-0.35	2.03	-1.01	-58
Cash from Financing Activity	-0.03	-0.00	-0.03	0.12	0.40	-1.10	-0.00	1,030	552	554
Net Cash Flow	-2.29	-0.15	-0.27	-0.01	-0.00	0.00	0.09	91	-14	7.26

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Aug 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Jul 2025	Aug 2025	Sep 2025
Promoters	54.13%	47.80%	47.80%	47.77%	46.99%	48.38%	48.38%	48.38%	48.38%	48.38%	48.38%	48.38%
FIIs	0.11%	0.14%	0.18%	0.23%	0.27%	0.07%	0.07%	0.08%	0.12%	0.08%	0.07%	0.18%
DIIs	0.82%	0.73%	0.83%	1.41%	1.80%	1.90%	1.93%	2.30%	4.44%	4.44%	4.64%	4.04%
Public	44.94%	51.33%	51.19%	50.59%	50.94%	49.65%	49.62%	49.25%	47.07%	47.11%	46.91%	47.41%
Total Shareholders	7,016	8,600	9,409	11,368	12,439	14,091	14,627	17,256	30,921	31,613	31,782	31,164

Market Transactions

Date	Party	Category	Type	Avg Price (₹)	Total Value (₹)	Quantity	Percent Traded
Oct 23, 2025	Sahil sikka	Insider - KMP	Disposal	389.50	0.47 Cr	12,035	0.02
Oct 23, 2025	Sahil sikka	Insider - KMP	Disposal	386.86	0.16 Cr	4,213	0.00
Sep 15, 2025	Sahil sikka	Insider - KMP	Disposal	384.80	0.12 Cr	3,000	0.00
Aug 29, 2025	Sahil sikka	Insider - Designated Person	Disposal	382.48	0.48 Cr	12,672	0.02
Aug 28, 2025	Sorabh dhawan	Insider - KMP	Disposal	381.46	0.52 Cr	13,525	0.02
Aug 22, 2025	Sorabh dhawan	Insider - Designated Person	Disposal	391.24	0.93 Cr	23,654	0.03
Aug 22, 2025	Sahil sikka	Insider - Designated Person	Disposal	392.59	0.36 Cr	9,080	0.01
Aug 19, 2025	Sahil sikka	Insider - Designated Person	Disposal	392.33	0.12 Cr	3,000	0.00
Jun 20, 2025	Bandhan mutual fund	Bulk	Buy	405.00	35.88 Cr	8,86,018	1.58
Jun 20, 2025	Sahil gupta	Bulk	Sell	405.08	50.64 Cr	12,50,000	2.23

Projection

Actions

Action Type

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Announcements

Last 7 days

Newest

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Documents

Presentations

Concalls

Reports

Presentations

Investor Presentation

Q2 FY26

Investor Presentation

Q4 FY25

Investor Presentation

Q3 FY25

Investor Presentation

Q2 FY25

Investor Presentation

Q4 FY24

Investor Presentation

Q4 FY23

Investor Presentation

Q1 FY21

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Overview

Detailed Summary

SG Finserve Limited is a non-banking financial company (NBFC) specialized in supply chain financing, providing financial solutions to dealers, distributors, vendors, and retailers in India.

The company's recent performance indicates significant growth, with a 250% year-on-year increase in its loan book and a 58% rise in profit after tax for H1FY26 compared to H1FY25.

SG Finserve maintains a robust credit rating with CRISIL AA and A1+ from leading agencies, evidencing its strong financial health and reliability in the market.

Sector

Finance

Industry

NBFC-Others

Market Cap

2,244 Cr

Volatility

Low Risk

P/E Ratio

22.4

Industry P/E

34.5

PEG Ratio

0.1

P/B Ratio

2.1

52W High

460.60

52W Low

308.00

Sales CAGR

-9.85%

715.13%

418.24%

10Y

53.75%

Profit CAGR

3.07%

369.14%

—

10Y

112.33%

ROE

TTM

9.37%

7.43%

7.48%

10Y

7.35%

ROCE

TTM

7.21%

6.59%

6.62%

10Y

6.57%

Sg Finserve Ltd

SG Finserve Ltd

SGFIN

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Investment Checklist

Investment Checklist

Overview

Sector

Industry

Market Cap

Volatility

P/E Ratio

Industry P/E

PEG Ratio

P/B Ratio

52W High

52W Low

Technicals

Oscillators

Neutral

Overall

Bearish

Moving Averages

Bearish

Overall

Bearish

Forecasts

Peers

Price Chart Comparison

Financial Statements

AI Powered Summary

AI Mode

Standalone Quarterly Results (in ₹ Crores)

Standalone Profit Loss (in ₹ Crores)

Standalone Balance Sheet (in ₹ Crores)

Standalone Cash Flows (in ₹ Crores)

Shareholdings

Shareholding History

Market Transactions

Projection

Actions

Announcements

Documents

AI Mode

AI Mode

Overview

Sector

Industry

Market Cap

Volatility

P/E Ratio

Industry P/E

PEG Ratio

P/B Ratio

52W High

52W Low

Investment Checklist

Peers

Price Chart Comparison