WEBSITE BSE:539199 NSE: SGFIN Inc. Year: 1994 Industry: Finance - NBFC My Bucket: Add Stock
Last updated: 15:48
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SG Finserve Ltd is a financial services company based in India. The company offers a range of financial products and services, including retail and corporate loans, insurance, wealth management, and investment banking services. SG Finserve Ltd is committed to providing innovative and customized financial solutions to meet the diverse needs of its clients. The company is known for its customer-centric approach and has a strong reputation for delivering high-quality services. With a team of experienced professionals and a strong focus on technolo...Read More
SG Finserve Ltd is a financial services company based in India. The company offers a range of financial products and services, including retail and corporate loans, insurance, wealth management, and investment banking services. SG Finserve Ltd is committed to providing innovative and customized financial solutions to meet the diverse needs of its clients. The company is known for its customer-centric approach and has a strong reputation for delivering high-quality services. With a team of experienced professionals and a strong focus on technology, SG Finserve Ltd aims to be a leading player in the Indian financial services industry. ...Read Less
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Market Cap ₹3728 Cr.
Stock P/E 46
P/B 2.5
Current Price ₹565.8
Book Value ₹ 225.9
Face Value 10
52W High ₹566.8
Dividend Yield 0%
52W Low ₹ 323.2
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 52 | 59 | 44 | 31 | 42 | 54 | 68 | 75 | 86 | 105 |
| Other Income | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Income | 52 | 59 | 45 | 31 | 42 | 54 | 68 | 75 | 86 | 106 |
| Total Expenditure | 5 | 6 | 6 | 10 | 9 | 4 | 9 | 6 | 7 | 6 |
| Operating Profit | 47 | 53 | 39 | 21 | 33 | 50 | 59 | 69 | 80 | 99 |
| Interest Expense | 18 | 21 | 12 | 0 | 1 | 19 | 25 | 30 | 36 | 43 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | 29 | 32 | 26 | 21 | 32 | 31 | 34 | 38 | 43 | 56 |
| Provision for Tax | 7 | 8 | 7 | 7 | 8 | 7 | 9 | 10 | 11 | 14 |
| Profit After Tax | 22 | 24 | 19 | 14 | 24 | 24 | 25 | 28 | 32 | 42 |
| Adjustments | -0 | 0 | -0 | 0 | -0 | 0 | 0 | 0 | -0 | -0 |
| Profit After Adjustments | 22 | 24 | 19 | 14 | 24 | 24 | 25 | 28 | 32 | 42 |
| Adjusted Earnings Per Share | 3.9 | 4.3 | 3.5 | 2.5 | 4.2 | 4.3 | 4.4 | 5.1 | 5.8 | 6.5 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 6 | 4 | 0 | 1 | 0 | 0 | 2 | 0 | 41 | 190 | 171 | 334 |
| Other Income | 1 | 0 | 0 | 0 | 0 | 0 | 1 | 2 | 1 | 0 | 0 | 0 |
| Total Income | 6 | 4 | 1 | 1 | 0 | 0 | 2 | 2 | 42 | 190 | 171 | 335 |
| Total Expenditure | 6 | 4 | 0 | 1 | 1 | 1 | 1 | 1 | 8 | 20 | 28 | 28 |
| Operating Profit | 0 | 0 | 0 | 1 | -0 | -1 | 2 | 1 | 33 | 169 | 143 | 307 |
| Interest Expense | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 8 | 64 | 32 | 134 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 |
| Profit Before Tax | 0 | 0 | 0 | 1 | -0 | -1 | 2 | 1 | 25 | 105 | 110 | 171 |
| Provision for Tax | 0 | 0 | 0 | 0 | -0 | 0 | 0 | 0 | 7 | 26 | 29 | 44 |
| Profit After Tax | 0 | 0 | 0 | 1 | -0 | -1 | 2 | 1 | 18 | 79 | 81 | 127 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 0 | 0 | 0 | 1 | -0 | -1 | 2 | 1 | 18 | 79 | 81 | 127 |
| Adjusted Earnings Per Share | 0.5 | 0.2 | 0.5 | 1.2 | -0.7 | -2 | 3.2 | 1.6 | 4.5 | 14.3 | 14.5 | 21.8 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | -10% | 0% | 0% | 40% |
| Operating Profit CAGR | -15% | 423% | 0% | 0% |
| PAT CAGR | 3% | 333% | 0% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 41% | 2% | 201% | 46% |
| ROE Average | 10% | 9% | 12% | 5% |
| ROCE Average | 7% | 8% | 12% | 6% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 7 | 7 | 7 | 8 | 8 | 7 | 8 | 9 | 573 | 806 | 1015 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Borrowings | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 50 |
| Current Liability | 1 | 0 | 0 | 1 | 1 | 1 | 0 | 0 | 503 | 966 | 1342 |
| Other Liabilities & Provisions | 0 | 0 | 0 | 0 | -0 | -0 | 0 | 0 | 2 | 5 | 8 |
| Total Liabilities | 8 | 7 | 7 | 8 | 8 | 8 | 8 | 9 | 1078 | 1778 | 2414 |
| Loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1673 | 2246 |
| Investments | 2 | 2 | 1 | 1 | 1 | 2 | 1 | 0 | 0 | 0 | 0 |
| Fixed Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 2 |
| Other Loans | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6 | 3 |
| Other Non Current Assets | 0 | 2 | 3 | 3 | 2 | 2 | 1 | 1 | 1 | 0 | 1 |
| Current Assets | 5 | 2 | 2 | 3 | 3 | 2 | 5 | 7 | 1077 | 97 | 161 |
| Total Assets | 8 | 7 | 7 | 8 | 8 | 8 | 8 | 9 | 1078 | 1778 | 2414 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 3 | 3 | -0 | -0 | 0 | 0 | 0 | 0 | 0 | 41 | 24 |
| Cash Flow from Operating Activities | 0 | -1 | -0 | -0 | -1 | -1 | 0 | 0 | -941 | -629 | -489 |
| Cash Flow from Investing Activities | -1 | -1 | 0 | -0 | 1 | 1 | 1 | -0 | 2 | -4 | -58 |
| Cash Flow from Financing Activities | -0 | -0 | -0 | -0 | 0 | 0 | -1 | -0 | 1030 | 616 | 554 |
| Net Cash Inflow / Outflow | -1 | -2 | -0 | -0 | -0 | -0 | 0 | 0 | 91 | -18 | 7 |
| Closing Cash & Cash Equivalent | 3 | 1 | -0 | -0 | 0 | 0 | 0 | 0 | 91 | 24 | 31 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 0.47 | 0.18 | 0.46 | 1.17 | -0.68 | -1.99 | 3.15 | 1.57 | 4.46 | 14.29 | 14.49 |
| CEPS(Rs) | 0.5 | 0.2 | 0.49 | 1.21 | -0.64 | -1.96 | 3.18 | 1.58 | 4.47 | 14.32 | 14.58 |
| DPS(Rs) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Book NAV/Share(Rs) | 13.86 | 14.04 | 14.5 | 15.67 | 14.99 | 13 | 16.15 | 17.71 | 125.39 | 145.23 | 160.83 |
| Net Profit Margin | 4.01 | 2.59 | 51.95 | 61.31 | -1721.8 | -2180.25 | 92.12 | 248.39 | 44.41 | 41.42 | 47.35 |
| Operating Margin | 5.96 | 4.49 | 69.13 | 89.84 | -2199.33 | -1933.07 | 98.33 | 354.5 | 80.67 | 89.19 | 83.1 |
| PBT Margin | 5.78 | 3.78 | 68.18 | 86.41 | -2404.82 | -2079.19 | 96.29 | 353.89 | 60.36 | 55.36 | 64.41 |
| ROA(%) | 3.22 | 1.25 | 3.16 | 7.35 | -4.14 | -12.72 | 20.03 | 9.11 | 3.39 | 5.5 | 3.86 |
| ROE(%) | 3.46 | 1.32 | 3.22 | 7.75 | -4.46 | -14.23 | 21.63 | 9.25 | 6.99 | 11.94 | 9.54 |
| ROCE(%) | 4.82 | 2.18 | 4.28 | 11.36 | -5.48 | -11.28 | 21.52 | 13.2 | 6.22 | 11.96 | 6.83 |
| Price/Earnings(x) | 0 | 73.8 | 0 | 0 | 0 | 0 | 0 | 24.72 | 105.93 | 28.72 | 28.09 |
| Price/Book(x) | 0 | 0.97 | 0 | 0 | 0.2 | 0.22 | 0 | 2.18 | 3.77 | 2.83 | 2.53 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EV/Net Sales(x) | 0.47 | 1.75 | 11.25 | 5.22 | 106.18 | 53.71 | 2.91 | 61.05 | 56.73 | 16.53 | 21.04 |
| EV/Core EBITDA(x) | 7.61 | 36.98 | 15.58 | 5.68 | -5.09 | -2.83 | 2.94 | 17.08 | 70.26 | 18.51 | 25.23 |
| Interest Earned Growth(%) | 678.6 | -39.58 | -87.55 | 115.46 | -97.92 | 129.97 | 3646.69 | -81.58 | 0 | 357.72 | -9.85 |
| Net Profit Growth | -5.99 | -60.91 | 149.55 | 154.27 | -158.47 | -191.2 | 258.31 | -50.33 | 2246.55 | 326.95 | 3.06 |
| EPS Growth(%) | -5.98 | -60.92 | 149.56 | 154.25 | -158.47 | -191.21 | 258.31 | -50.33 | 184.85 | 220.51 | 1.37 |
| Interest Coverage(x) % | 33.22 | 6.26 | 73.05 | 26.25 | -10.7 | -13.23 | 48.18 | 589.21 | 3.97 | 2.64 | 4.44 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 47.8 | 47.77 | 46.99 | 48.38 | 48.38 | 48.38 | 48.38 | 48.38 | 50.3 | 52.92 |
| FII | 0.18 | 0.23 | 0.27 | 0.07 | 0.07 | 0.08 | 0.12 | 0.18 | 0.07 | 0.26 |
| DII | 0.83 | 1.41 | 1.73 | 1.83 | 1.89 | 2.26 | 3.99 | 3.59 | 3.02 | 2.85 |
| Public | 51.19 | 50.59 | 51.01 | 49.72 | 49.66 | 49.29 | 47.51 | 47.85 | 46.61 | 43.97 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 2.63 | 2.63 | 2.63 | 2.7 | 2.7 | 2.7 | 2.7 | 2.7 | 2.81 | 3.45 |
| FII | 0.01 | 0.01 | 0.02 | 0 | 0 | 0 | 0.01 | 0.01 | 0 | 0.02 |
| DII | 0.05 | 0.08 | 0.1 | 0.1 | 0.11 | 0.13 | 0.22 | 0.2 | 0.17 | 0.19 |
| Public | 2.81 | 2.78 | 2.85 | 2.78 | 2.78 | 2.76 | 2.66 | 2.67 | 2.61 | 2.87 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 5.49 | 5.5 | 5.59 | 5.59 | 5.59 | 5.59 | 5.59 | 5.59 | 5.59 | 6.53 |
* The pros and cons are machine generated.
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