SG Finserve Q4/FY26 PAT at ₹42.27 Cr, up 30% QoQ; FY26 PAT ₹127.66 Cr, up 58% YoY
SG Finserve reported Q4 FY26 PAT of ₹42.27 Cr (up 30% QoQ) and FY26 PAT of ₹127.66 Cr (up 58% YoY). The loan book reached ₹3,936 Cr, up 75% YoY. Gross disbursements exceeded ₹25,000 Cr. The company raised ₹316 Cr via warrants and maintained NIL NPAs.
The announcement includes robust financial results with significant YoY growth in PAT and Operating Income, a substantial increase in loan book size, and successful equity fundraising. These factors are material and are likely to positively influence investor perception and the company's stock.
The company reported strong year-on-year and quarter-on-quarter growth in key financial metrics like Profit After Tax, Operating Income, and Net Interest Income. The significant increase in loan book and disbursements, coupled with successful equity raising and zero NPAs, indicates a positive financial performance and outlook.
SG Finserve Limited announced its audited financial results for the quarter and year ended March 31, 2026.
The company reported a Profit After Tax (PAT) of ₹42.27 Crores for Q4 FY26, marking a 30% increase compared to ₹32.47 Crores in Q3 FY26. Operating Income for the quarter stood at ₹105.65 Crores, up 23% QoQ from ₹85.84 Crores. Net Interest Income (NII) also saw a significant rise of 27% QoQ to ₹62.73 Crores from ₹49.44 Crores.
For the full fiscal year FY26, SG Finserve achieved a PAT of ₹127.66 Crores, a substantial 58% increase from ₹80.99 Crores in FY25. Operating Income for FY26 was ₹333.66 Crores, up 96% YoY from ₹170.26 Crores. NII for the year grew by 44% YoY to ₹199.20 Crores from ₹138.28 Crores.
The company highlighted an all-time high Loan Book of ₹3,936 Crore as of March 31, 2026, representing a 23% QoQ and 75% YoY growth. Gross Disbursements crossed ₹25,000 Crore during the year, with a YoY growth of 40%. The management emphasized a disciplined approach with a Cost-to-Income ratio below 15% and NIL NPAs, delivering a Return on Assets (RoA) of 4.80% and Return on Equity (RoE) of 12% for the year.
SG Finserve also successfully raised ₹316 Crore through conversion of share warrants during the quarter, strengthening its capital structure. The company's strategy focuses on "deepening and widening" its business through customer acquisition, product expansion, strategic partnerships, and exploring adjacent financial services. The company has also commenced a new Supply Chain Finance product, Factoring of receivables, in March 2026.
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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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See the model portfoliosA plain-language summary of a public exchange filing by SG Finserve Limited. Read the original for the full detail.