SG Finserve Q1 FY27 PAT Surges 119% YoY to ₹54 Cr; Loan Book Hits Record ₹4,552 Cr
SG Finserve reported a record Q1 FY27 PAT of ₹53.68 crore, up 119% YoY and 27% QoQ. The loan book reached an all-time high of ₹4,552 crore. The company maintained Nil NPAs, with RoA at 5.1% and RoE at 14%. Guidance includes 25-30% AUM CAGR and 30-35% PAT CAGR.
The announcement details strong financial performance with record highs in PAT and loan book, significant YoY growth, and a positive outlook with clear guidance for future growth. This is material information for investors.
The company reported record-breaking financial results, including significant year-on-year and quarter-on-quarter growth in PAT and loan book, alongside maintaining zero NPAs and strong RoA/RoE figures. Management commentary and future guidance also appear positive.
SG Finserve Limited announced its unaudited financial results for the quarter ended June 30, 2026. The company reported a record Profit After Tax (PAT) of ₹53.68 crore, marking a significant year-on-year increase of 119% and a quarter-on-quarter growth of 27%. The loan book reached an all-time high of ₹4,552 crore as of June 30, 2026, reflecting a 16% growth from the previous quarter and an 82% growth compared to the same period last year.
The company maintained a strong operational discipline with a Cost-to-Income ratio below 15% and reported Nil Non-Performing Assets (NPAs). The Return on Assets (RoA) for the quarter stood at 5.10%, and the Return on Equity (RoE) was 14% per annum. The total equity as of June 30, 2026, was ₹1,539 crore, with a Debt-to-Total Net Worth (TNW) ratio of 2.2x, indicating a robust balance sheet and ample room for business expansion.
Management highlighted that Supply Chain Financing remains the core business, further bolstered by the commercialization of Factoring & TReDS offerings. The business strategy focuses on "deepening and widening" by strengthening relationships with existing customers, acquiring new ones, expanding product offerings, forging strategic partnerships, and exploring adjacent financial services. The company provided guidance for AUM growth of 25-30% CAGR, PAT growth of 30-35% CAGR, RoA between 4.5%-5.0%, RoE of 14%-16%, and a Cost/Income ratio of 13%-17%, while maintaining Nil NPAs. Future plans include scaling Supply Chain Finance and Deep Tier Financing, strengthening Factoring, Invoice Financing & TReDS, and launching Loan Against Property (LAP) and Digital Lending programs.
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SG Finserve Limited filed this with the NSE as a statutory disclosure, categorised under quarterly results. It is a primary document, not a recommendation, and the desk marks it high impact, which is the band that most often changes something.
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