SG Finserve Limited Earnings Summary — Q1 FY2027
SG Finserve Hits Record Quarterly Profit with 119% YoY Growth and Zero NPAs
Quarterly Business Intelligence
AI Quarterly Scorecard™
Computed deterministically from the last 10 reported quarters.
Quarterly Business Momentum
- Revenue has increased for 8 consecutive quarters.
- Revenue of ₹136 Cr is 101.4% higher year-on-year.
- Revenue has compounded at 45.5% annualised over the last 10 quarters.
- Revenue is at its highest level in 10 quarters.
- Net profit has reached its highest level in 10 quarters.
- Net profit of ₹54 Cr is 118.9% above the same quarter last year.
- Profit growth is outpacing revenue growth, pointing to positive operating leverage.
- Net profit has compounded at 43.5% annualised across the period.
- Operating margin stands at 92.5% in Q1 FY2027.
- Operating margin expanded by 544 bps year-on-year.
- Over the last two years operating margin has expanded by 612 bps.
- PBT margin is 52.6%.
- Expense growth of 17.0% remained below revenue growth of 101.4%.
- Operating profit of ₹126 Cr is 114.0% higher year-on-year.
- Operating leverage continues to improve.
- 5 of the last 6 measured quarters delivered year-on-year revenue growth.
- Overall quarterly business momentum scores 86/100 (Excellent) on the latest 10 quarters.
- Business momentum remains positive heading into the next quarter.
Quarterly Financials
Last 10 Reported Quarters • All figures in ₹ Crore • Margins in %
| Metric | Trend | Latest Q1 FY2027 | Q4 FY2026 | Q3 FY2026 | Q2 FY2026 | Q1 FY2026 | Q4 FY2025 | Q3 FY2025 | Q2 FY2025 | Q1 FY2025 | Q4 FY2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | Strong Uptrend | 136 | 105 | 86 | 75 | 68 | 54 | 42 | 31 | 44 | 59 |
| Expenses | Volatile | 10 | 6 | 6 | 6 | 9 | 4 | 9 | 10 | 6 | 7 |
| Operating Profit | Strong Uptrend | 126 | 99 | 80 | 69 | 59 | 50 | 33 | 21 | 38 | 52 |
| Operating Margin | Stable | 92.5% | 94.0% | 92.8% | 92.3% | 87.0% | 92.0% | 78.7% | 67.3% | 86.3% | 88.5% |
| Other Income | Declining | 0 | 0 | — | — | — | — | — | — | 1 | 1 |
| Interest | Volatile | 54 | 43 | 36 | 30 | 25 | 19 | 1 | — | 12 | 21 |
| Depreciation | Improving | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | Accelerating | 72 | 56 | 43 | 38 | 34 | 31 | 32 | 21 | 26 | 32 |
| Tax | Accelerating | 18 | 14 | 11 | 10 | 9 | 7 | 8 | 7 | 7 | 8 |
| Net Profit | Strong Uptrend | 54 | 42 | 32 | 28 | 25 | 24 | 24 | 14 | 19 | 24 |
| Net Margin | Stable | 39.4% | 40.1% | 37.8% | 38.0% | 36.3% | 44.0% | 55.8% | 45.7% | 44.5% | 40.6% |
Key Takeaways
- Achieved an all-time high quarterly Profit After Tax (PAT) of ₹54 crore in Q1 FY27.
- Maintained superior asset quality with Gross and Net NPA reported at NIL.
- Loan book expanded significantly to ₹4,552 crore, representing 82% YoY growth.
- Return on Assets (RoA) and Return on Equity (RoE) stood at 5.1% and 14.0% respectively.
- Successfully diversified offerings as one of the few Indian NBFCs providing Factoring & TReDS solutions.
- Maintained a conservative leverage profile with a Debt/Net Worth ratio below 2.2x.
Management Guidance
Management is targeting a 30-35% CAGR for PAT and aims to maintain a Return on Equity (RoE) between 14-16%. Future focus remains on deep-tier supply chain financing and launching new LAP and digital lending programs.
Sentiment Shift
Improving
Acceleration in both loan book growth (82% YoY) and profitability (119% YoY) while maintaining zero NPAs signals strengthening market leadership.
Outlook
The company maintains a focus on Supply Chain Finance as its core business while planning expansion into digital lending and invoice financing to sustain its growth trajectory.
From the Annual Report (Key Quotes)
“Turning Momentum into Leadership.”
“Visible Growth & Disciplined PROFITABILITY.”
“Supply Chain Finance continues to be our core business focus.”
Official Quarterly Documents
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This summary is AI-generated from SG Finserve Limited's latest quarterly filing and earnings call. For informational purposes only — not investment advice.