SG Finserve Q2/H1 FY27 PAT Surges: Consolidated PAT ₹58.53 Cr (Q2), ₹112.20 Cr (H1)
SG Finserve reported a strong Q2 FY27 with consolidated PAT at ₹58.53 Cr (up 106% YoY) and H1 FY27 PAT at ₹112.20 Cr (up 112% YoY). Loan book grew 98% YoY to ₹5,694 Cr. The company maintained zero NPAs and achieved an RoE of 14.7%. Strategy focuses on customer acquisition and product expansion.
The substantial growth in PAT and loan book, coupled with strategic business expansion and strong financial metrics like RoE, are highly material for investors and indicate significant positive momentum for the company.
The company reported significant year-on-year growth in Profit After Tax (PAT) and Operating Income, along with substantial loan book expansion and maintenance of zero NPAs, indicating a strong financial performance.
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 quarterly Profit After Tax (PAT) of ₹59 Cr in Q2 FY27, marking a 106% year-on-year (YoY) increase and a 9% increase quarter-on-quarter (QoQ).
For the half-year ended H1 FY27, the PAT reached ₹112.20 Crore, demonstrating a significant YoY growth of 112%. The company's Operating Income for Q2 FY27 stood at ₹160.93 Crore, up 115% YoY, and for H1 FY27, it was ₹297.06 Crore, an increase of 109% YoY.
The Loan Book also saw substantial growth, reaching ₹5,694 Crore as of September 30, 2026, a 25% QoQ increase and a 98% YoY increase. The management highlighted that over 80% of this loan book growth was contributed by new customers. Supply Chain Financing continues to be a core business, contributing two-thirds of the loan book, further bolstered by the scaling of Factoring and TReDS products, and the commercialization of Loan Against Property (LAP) and Digital Lending products.
SG Finserve maintained its disciplined credit underwriting with zero Non-Performing Assets (NPAs). The company reported a Cost-to-Income ratio below 15%, a Return on Assets (RoA) of 4.9%, and a Return on Equity (RoE) of 14.7% p.a. during H1 FY27. The business strategy focuses on "deepening and widening" operations, including strengthening relationships with existing customers, acquiring new ones, expanding product offerings, and forging strategic partnerships.
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