SG Finserve Ltd

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SG Finserve Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents
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SG Finserve Ltd

₹ 632 4.55%
01 Oct - close price
sgfinserve.com BSE: 539199 NSE: SGFIN
About

Incorporated in 1994, Moongipa Securities Ltd is in the business of Investing Activities, Investment Research, Investment Banking and Wealth Management

Key Points

Business Profile:[1]
SG Finserve Ltd is an NBFC focused on supply chain financing, aimed at optimizing working capital across corporate ecosystems. It operates largely within and beyond the APL Apollo Group ecosystem, enabling credit access across the value chain.

Website BSE NSE
  • Market Cap ₹ 4,164 Cr.
  • Current Price ₹ 632
  • High / Low ₹ 728 / 323
  • Stock P/E 26.6
  • Book Value ₹ 224
  • Dividend Yield 0.00 %
  • ROCE 9.32 %
  • ROE 10.3 %
  • Face Value ₹ 10.0
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Pros

  • Company is expected to give good quarter
  • Company has delivered good profit growth of 141% CAGR over last 5 years
  • Promoter holding has increased by 4.03% over last quarter.
  • Company's median sales growth is 40.3% of last 10 years

Cons

  • Stock is trading at 2.82 times its book value
  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has a low return on equity of 10.1% over last 3 years.
  • Company might be capitalizing the interest cost

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

Part of BSE 1000 BSE Financial Services

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Quarterly Results

Figures in Rs. Crores

Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
35 44 52 59 44 31 42 54 68 75 86 105 136
Interest 11 15 18 21 12 0 1 19 25 30 36 43 54
3 6 5 7 6 10 9 4 9 6 6 6 10
Financing Profit 21 23 29 31 25 21 32 31 34 39 43 56 72
Financing Margin % 60% 53% 55% 53% 58% 67% 76% 58% 50% 52% 50% 53% 53%
0 0 0 1 1 0 0 0 0 0 0 0 0
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 21 23 29 32 26 21 32 31 34 38 43 56 72
Tax % 25% 25% 25% 25% 26% 32% 26% 23% 28% 26% 25% 25% 25%
16 17 22 24 19 14 24 24 25 28 32 42 54
EPS in Rs 3.68 3.18 3.94 4.33 3.47 2.53 4.24 4.26 4.39 5.08 5.81 6.48 8.15
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
6 4 1 1 0 0 2 2 41 190 170 334 402
Interest 0 0 0 0 0 0 0 0 8 64 32 134 164
6 4 0 1 1 1 1 1 8 20 28 27 29
Financing Profit 0 0 0 1 -0 -1 2 1 25 105 111 172 210
Financing Margin % 6% 4% 35% 55% -172% -344% 69% 55% 59% 55% 65% 52% 52%
0 0 0 0 0 0 0 -0 1 0 0 -0 0
Depreciation 0 0 0 0 0 0 0 0 0 0 1 1 1
Profit before tax 0 0 0 1 -0 -1 2 1 25 105 110 172 209
Tax % 32% 38% 23% 29% -27% 5% 4% 30% 26% 25% 26% 26%
0 0 0 1 -0 -1 2 1 18 79 81 128 157
EPS in Rs 0.48 0.18 0.46 1.18 -0.68 -2.00 3.15 1.56 4.46 14.29 14.49 19.56 25.52
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: 56%
5 Years: 169%
3 Years: 100%
TTM: 106%
Compounded Profit Growth
10 Years: 107%
5 Years: 141%
3 Years: 91%
TTM: 82%
Stock Price CAGR
10 Years: 47%
5 Years: 120%
3 Years: 5%
1 Year: 74%
Return on Equity
10 Years: 10%
5 Years: 10%
3 Years: 10%
Last Year: 10%

Balance Sheet

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 5 5 5 5 5 5 5 5 41 55 56 65
Reserves 2 2 2 3 2 2 3 4 532 751 959 1,395
Borrowing 1 0 0 0 1 1 0 0 493 957 1,387 2,704
0 0 0 0 0 0 0 0 13 16 5 9
Total Liabilities 8 7 7 8 8 8 8 9 1,079 1,779 2,407 4,173
0 0 2 2 2 1 1 1 0 2 2 2
CWIP 0 0 0 0 0 0 0 0 1 0 0 0
Investments 2 2 1 1 1 2 1 2 0 0 80 0
6 5 5 6 5 5 6 6 1,078 1,778 2,325 4,171
Total Assets 8 7 7 8 8 8 8 9 1,079 1,779 2,407 4,173

Cash Flows

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
0 -1 -0 -0 -1 -1 0 0 -941 -629 -492 -1,571
-1 -1 0 -0 1 1 1 -0 2 -4 -56 61
-0 -0 0 -0 0 0 -1 0 1,030 616 554 1,632
Net Cash Flow -1 -2 -0 -0 -0 0 0 0 91 -18 6 121
Free Cash Flow 0 -1 -0 -0 -1 -0 0 0 -941 -630 -492 -1,572
CFO/OP 41% -435% -88% -4% 178% 88% 12% 59% -2,831% -353% -324% -499%

Ratios

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 4% 1% 3% 8% -4% -14% 22% 10% 6% 11% 9% 10%

Insights

In beta
Mar 2023 Mar 2024 Mar 2025 Mar 2026
Gross Disbursements
INR Crore

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Loan Book / AUM (End of Period)
INR Crore
Number of Employees / Headcount
Count
Number of Locations
Count
Average Churn Days of Loan Book
Days
Cumulative Invoices Financed (since Sep 2022)
Count
Number of Anchor Partners
Count

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

1 Recently
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
47.80% 47.80% 47.77% 46.99% 48.38% 48.38% 48.38% 48.38% 48.38% 50.30% 52.92% 56.95%
0.14% 0.20% 0.25% 0.37% 0.07% 0.07% 0.08% 0.12% 0.17% 0.07% 0.26% 0.54%
0.73% 0.81% 1.38% 1.62% 1.83% 1.92% 2.30% 4.44% 4.03% 3.46% 3.28% 2.18%
51.32% 51.18% 50.59% 51.02% 49.73% 49.63% 49.25% 47.07% 47.43% 46.17% 43.54% 40.34%
No. of Shareholders 8,6009,40911,36812,43914,09114,62717,25630,92131,16430,24426,40328,150

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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