SG Finserve Q4/FY26 PAT ₹42 Cr, FY26 PAT ₹128 Cr; Loan Book ₹3,936 Cr
SG Finserve reported Q4 FY26 PAT of ₹42.27 Cr and FY26 PAT of ₹127.66 Cr. Loan Book reached ₹3,936 Cr, up 75% YoY. Gross Disbursements crossed ₹25,000 Cr. The company raised ₹316 Cr via warrants. FY26 RoA was 4.80% and RoE was 12%. Guidance includes 25-30% AUM CAGR and 30-35% PAT CAGR.
The announcement details significant financial performance improvements, substantial growth in the loan book and disbursements, successful equity raising, and positive future guidance. These factors are material for investors and indicate strong operational and financial health, which will likely impact the company's stock performance.
The company has shown strong year-on-year and quarter-on-quarter growth in key financial metrics like operating income, net interest income, profit before tax, and profit after tax. The loan book has grown significantly, and the company successfully raised equity, strengthening its capital structure. The guidance for future growth is also positive.
SG Finserve Limited announced its audited financial results for the quarter and year ended March 31, 2026.
For the fourth quarter of FY26, the company reported an operating income of ₹105.65 Crore, a 23% increase from ₹85.84 Crore in the third quarter of FY26. Net Interest Income (NII) stood at ₹62.73 Crore, up from ₹49.44 Crore. Profit Before Tax (PBT) was ₹56.21 Crore, a 30% rise from ₹43.05 Crore in the previous quarter. Profit After Tax (PAT) for Q4 FY26 was ₹42.27 Crore, an increase of 30% from ₹32.47 Crore in Q3 FY26.
For the full fiscal year FY26, operating income grew to ₹333.66 Crore from ₹170.26 Crore in FY25, a 96% increase. NII rose by 44% to ₹199.20 Crore from ₹138.28 Crore. PBT increased by 56% to ₹171.55 Crore from ₹110.16 Crore. PAT for FY26 was ₹127.66 Crore, a significant jump of 58% from ₹80.99 Crore in FY25.
The company achieved an all-time high Loan Book of ₹3,936 Crore as of March 31, 2026, marking a 23% QoQ growth and a 75% YoY growth. Gross Disbursements crossed ₹25,000 Crore during the year, with a 40% YoY growth. The company also strengthened its capital structure by raising ₹316 Crore through the conversion of share warrants.
Management highlighted that Supply Chain Financing remains its core business, further strengthened by the commercialization of factoring business in March 2026. The company reported a Cost-to-Income ratio below 15% and NIL NPAs, with a Return on Assets (RoA) of 4.80% and Return on Equity (RoE) of 12% for the fiscal year. The total equity stands at ₹1,460 Crore with a leverage of 1.9x.
The company's strategy focuses on "deepening and widening" its operations, including acquiring new customers, expanding product offerings, forging strategic partnerships, and exploring adjacent financial services. Future guidance includes AUM growth of 25-30% CAGR, PAT growth of 30-35% CAGR, RoA of 4.5%-5.0%, and RoE of 14%-16%.
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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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