SG Finserve Q1FY27 PAT Surges 119% YoY to ₹53.68 Crore, Loan Book Hits Record ₹4,552 Crore
SG Finserve Limited reported Q1 FY27 PAT of ₹53.68 Cr, up 119% YoY. The loan book reached a record ₹4,552 Cr, with NIL NPAs. Operating Income doubled YoY to ₹136.13 Cr. The company projects 25-30% AUM CAGR and 30-35% PAT CAGR.
The substantial increase in profits, record loan book growth, and positive future guidance are material events that are likely to have a significant positive impact on investor sentiment and the company's valuation.
The company reported significant year-on-year growth in PAT and loan book, alongside maintaining zero NPAs, indicating strong financial performance and operational efficiency.
SG Finserve Limited announced its unaudited financial results for the quarter ended June 30, 2026, reporting a Profit After Tax (PAT) of ₹53.68 Crore, an impressive 119% increase year-on-year and a 27% increase quarter-on-quarter. The company achieved an all-time high loan book of ₹4,552 Crore as of June 30, 2026, reflecting a 16% sequential growth and an 82% year-on-year growth.
The Net Interest Income (NII) grew by 92% year-on-year to ₹82.06 Crore, while Profit Before Tax (PBT) saw a 111% year-on-year increase to ₹71.60 Crore. The company maintained a strong operational discipline, with a Cost-to-Income ratio below 15% and zero Non-Performing Assets (NPAs). The Return on Assets (RoA) for the quarter was 5.10%, and the Return on Equity (RoE) stood at 14% per annum.
The company's balance sheet remains robust, with total equity at ₹1,539 Crore as of June 30, 2026, and a Debt-to-Total Net Worth (TNW) ratio of 2.2x. Management highlighted a business strategy focused on "deepening and widening," which includes strengthening existing customer relationships, acquiring new customers, expanding product offerings, forging strategic partnerships, and exploring adjacent financial services. Supply Chain Financing continues to be the core business, further enhanced by the commercialization of Factoring & TReDS solutions. The company also provided guidance for future growth, projecting a 25-30% CAGR for Assets Under Management (AUM) and a 30-35% CAGR for PAT, with RoA targeted between 4.5%-5.0% and RoE between 14%-16%.
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