SG Finserve Q3FY26 PAT at ₹32.47 Cr, YoY Growth of 49% to ₹85.39 Cr in 9MFY26
SG Finserve reported Q3 FY26 PAT of ₹32.47 Cr, up 15% QoQ. 9MFY26 PAT reached ₹85.39 Cr, a 49% YoY increase. AUM hit a record ₹3,210 Cr. The company targets ₹7,500 Cr AUM and ₹500 Cr PBT by FY2030.
The results show significant financial growth and an optimistic outlook with clear targets for AUM and profitability, which are material for investors.
The company reported strong year-on-year growth in PAT and Operating Income, achieved record AUM, and provided positive future guidance with clear growth targets.
SG Finserve Limited announced its unaudited financial results for the quarter and nine months ended December 31, 2025. The company reported a Profit After Tax (PAT) of ₹32.47 crore for Q3 FY26, a 15% sequential growth from ₹28.40 crore in Q2 FY26. For the nine-month period ending December 31, 2025, the PAT stood at ₹85.39 crore, marking a significant 49% year-on-year growth from ₹57.20 crore in the same period last year.
Operating Income for Q3 FY26 was ₹86.28 crore, up from ₹74.72 crore in Q2 FY26. Net Interest Income (NII) for the quarter grew to ₹49.88 crore from ₹44.39 crore in the previous quarter. For the nine months, Operating Income surged by 95% to ₹228.58 crore from ₹116.92 crore in 9M FY25, and NII increased by 32% to ₹137.05 crore from ₹103.50 crore.
The company achieved an all-time high Assets Under Management (AUM) of ₹3,210 crore as of December 31, 2025, reflecting a 12% quarter-on-quarter growth. SG Finserve maintained a NIL Gross NPA and reported a Cost-to-Income ratio of less than 15%. The Return on Assets (RoA) for the nine-month period was 4.40% annualized, and Return on Equity (RoE) was 10.50% annualized. The company's equity stands at approximately ₹1,100 crore with a leverage of less than 2.0x.
Management highlighted that its Supply Chain Financing business remains the core strength, contributing about 70% of the AUM. SG Finserve also received RBI approval to operate its Factoring Business. Looking ahead, the company aims to grow its AUM to ₹7,500 crore by March 2030, with a target Profit Before Tax (PBT) of ₹500 crore by FY2030, targeting an RoA of 5% and RoE of 15%. The strategy focuses on deepening relationships with existing customers, acquiring new ones, expanding product offerings, and exploring adjacent financial services.
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