SG Finserve Reports Strong FY26 Results; Loan Book Reaches ₹ 3,936 Crore
SG Finserve Limited announced its financial results for the quarter and year ended March 31, 2026. The company reported significant year-on-year and quarter-on-quarter growth across key performance indicators, strengthening its market position in the financial services sector.The company achieved an all-time high Loan Book of ₹ 3,936 Crore as of March 31, 2026, marking a strong 23% growth quarter-on-quarter (QoQ) and 75% growth year-on-year (YoY).
Financial Performance Overview
SG Finserve's profitability saw substantial increases across the fiscal year. For the year ending March 31, 2026, the company posted a Profit After Tax (PAT) of ₹ 127.66 Crores, compared to ₹ 80.99 Crores in FY25.The financial snapshot details the comparative performance:
| Particulars | Q4/FY26 | Q3/FY26 | Q-o-Q Change (%) | Q4/FY25 | Y-o-Y Change (%) | FY26 | FY25 | Y-o-Y Change (%) |
|---|---|---|---|---|---|---|---|---|
| Interest Income | 99.2 | 84.3 | 18% | 52.2 | 90% | 320.2 | 164.8 | 94% |
| Fee/Other Income | 6.5 | 1.6 | 306% | 1.9 | 242% | 13.5 | 5.5 | 145% |
| Total Income | 105.7 | 85.8 | 23% | 54.1 | 95% | 333.7 | 170.3 | 96% |
| Interest Expenses | 42.9 | 36.4 | 18% | 18.6 | 131% | 134.5 | 32.0 | 321% |
| Net Interest Income | 62.8 | 49.4 | 27% | 35.5 | 77% | 199.2 | 138.3 | 44% |
| Operating Expenses | 6.3 | 5.2 | 20% | 7.4 | -15% | 25.3 | 20.5 | 24% |
| Impairment on Financial Assets | 0.3 | 1.2 | (3.0) | 2.4 | 7.7 | |||
| Profit Before Tax | 56.2 | 43.0 | 30% | 31.1 | 81% | 171.5 | 110.1 | 56% |
| Income Tax | 13.9 | 10.5 | 32% | 7.3 | 90% | 43.8 | 29.1 | 50% |
| Profit After Tax | 42.3 | 32.5 | 30% | 23.8 | 78% | 127.7 | 81.0 | 58% |
| Loan Book | 3,936 | 3,210 | 23% | 2,246 | 75% | 3,936 | 2,246 | 75% |
(Note: Figures are in Crores, unless specified otherwise.)
Operational Highlights and Capitalization
During the fiscal year, the company's Gross Disbursements surpassed ₹ 25,000 Cr, indicating a 40% growth on the year-on-year basis. The business also successfully raised fresh Equity of ₹ 316 Crore through the conversion of share warrants, which bolstered the capital structure.As of March 31, 2026, the total equity stood at ₹ 1,460 Crore, maintaining a leverage ratio of 1.9x. Operationally, the firm maintained its discipline as a Non-Banking Financial Company (NBFC), reporting NIL Non-Performing Assets (NPAs) and a Cost-to-Income ratio below 15%. The company delivered a Return on Assets (RoA) of 4.80% and a Return on Equity (RoE) of 12% for the year.
Strategic Focus
SG Finserve emphasized that Supply Chain Financing remains its core business strength. The firm’s strategy is focused on "deepening and widening," which involves strengthening relationships with existing customers, acquiring new clientele, expanding product offerings, and forming strategic partnerships. Key areas of expansion include scaling Supply Chain Finance and Deep Tier Financing, alongside strengthening its Factoring, Invoice Financing, and Trade Receivables Discounting System (TReDS) offerings. The company also aims to launch Micro LAP and Digital Lending programs while leveraging digital and AI-driven capabilities to drive underwriting and collections efficiency.SGFIN Stock Price Movement
Shares of SG Finserve Limited are rallying strongly as of 1:05 PM, currently trading up 4.97% to ₹486.45. The stock's gains are bolstered by the 725,208 shares traded so far, pushing the equity to achieve its 52-week high.Source:
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