SG Finserve Q2 PAT Soars 106% YoY to ₹58.5 Cr, H1 PAT Jumps 112% to ₹112 Cr
SG Finserve Limited reported a strong Q2 FY27 with PAT at ₹58.53 Crore, up 106% YoY. H1 FY27 PAT surged 112% YoY to ₹112.20 Crore. The Loan Book reached an all-time high of ₹5,694 Crore, up 98% YoY, with over 80% growth from new customers. The company maintained zero NPAs.
The substantial year-on-year growth in profitability (PAT up 106% in Q2 and 112% in H1) and the significant expansion of the loan book (up 98% YoY) are material positive developments for the company's stakeholders, indicating strong business momentum and financial health.
The company reported significant year-on-year growth in both quarterly and half-yearly Profit After Tax (PAT) and Operating Income. The achievement of an all-time high loan book and maintaining zero NPAs further contribute to the positive sentiment.
SG Finserve Limited announced its unaudited financial results for the quarter and half-year ended September 30, 2026. The company reported a strong performance, achieving an all-time high Loan Book of ₹5,694 Crore as of September 30, 2026. This represents a 25% quarter-on-quarter growth and a 98% year-on-year growth.
In the second quarter of FY27 (Q2'FY27), SG Finserve recorded Operating Income of ₹160.93 Crore and Profit After Tax (PAT) of ₹58.53 Crore, marking a 115% year-on-year increase and a 9% quarter-on-quarter increase. For the first half of FY27 (H1'FY27), the Operating Income stood at ₹297.06 Crore, an increase of 109% year-on-year, and PAT reached ₹112.20 Crore, an impressive 112% year-on-year growth.
The management highlighted that over 80% of the loan book growth was contributed by new customers. Supply Chain Financing continues to be a core business, contributing two-thirds of the overall loan book, further bolstered by the scaling of Factoring and TReDS products, and the commercialization of Loan Against Property (LAP) and Digital Lending products. The company maintained a disciplined credit underwriting approach with zero Non-Performing Assets (NPAs).
SG Finserve reported a Cost-to-Income ratio below 15% and achieved a Return on Assets (RoA) of 4.9% and a Return on Equity (RoE) of 14.7% per annum during H1'FY27. The company's 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.
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