Key takeaway: SG Finserve Limited reported its financial results for the quarter and half year ended September 30, 2026. The company achieved a consolidated Profit After Tax (PAT) of ₹58.53 crore in Q2 FY27, representing a 106% year-over-year (YoY) increase and a 9% quarter-over-quarter (QoQ) increase. For the half-year (H1 FY27), PAT reached ₹112.20 crore, up 112% YoY. Operating income for Q2 FY27 was ₹160.93 crore, a 115% YoY increase. The Loan Book grew to ₹5,694 crore, with 25% QoQ growth and 98% YoY growth, driven largely by new customers. Over 80% of the loan book growth came from new customers, and Supply Chain Financing continued to account for two-thirds of the loan book. The company maintained a zero NPA (Non-Performing Assets) track record and reported a Return on Assets (RoA) of 4.9% and Return on Equity (RoE) of 14.7% for H1 FY27. The Cost-to-Income ratio remained below 15%, and the company emphasized its strategy of deepening relationships with existing customers, acquiring new ones, expanding product offerings, and forming strategic partnerships. The management highlighted disciplined credit underwriting and robust financial performance, with a focus on scalability and sustainability. The company also launched new products such as Loan Against Property (LAP) and Digital Lending, and expanded its geographical presence to 34 locations with a team of 100 employees. The board includes notable figures from banking and finance, including former officials from the Reserve Bank of India and State Bank of India.

Key takeaway: During the Q1 FY27 earnings conference call held on July 14, 2026, SG Finserve Limited reported a record quarterly profit before tax (PBT) of INR 72 crores, marking a 27% quarter-on-quarter growth. The company's loan book reached INR 4,552 crores, reflecting a 16% quarter-on-quarter and 82% year-on-year increase. Management highlighted a strong net worth of INR 1,539 crores and a capital adequacy ratio of 32%. They maintained a nil non-performing asset (NPA) status and reported an annualized return on assets of 5.1% and return on equity of 14%. Management set a goal of achieving a PBT of around INR 300 crores for FY27, indicating a 75% year-on-year growth. They discussed their strategy of deepening and widening their customer base and expressed confidence in maintaining strong asset quality despite geopolitical uncertainties affecting the MSME sector. The management also mentioned plans to expand into digital lending and insurance broking.

Key takeaway: SG Finserve Limited reported its financial results for the quarter ended June 30, 2026, highlighting a record Loan Book of ₹4,552 Crore, which reflects a 16% quarter-on-quarter growth and an 82% year-on-year increase. The company achieved a Profit After Tax (PAT) of ₹53.68 Crore, marking a 119% increase compared to the same quarter last year. The management emphasized the strength of its core business in Supply Chain Financing and noted a NIL Non-Performing Asset (NPA) ratio. The Return on Assets (RoA) was reported at 5.1%, and Return on Equity (RoE) at 14%. The company maintained a disciplined approach with a Cost-to-Income ratio below 15% and a Debt-to-Net Worth ratio of 2.2x, indicating a well-capitalized balance sheet. The management outlined a strategy focused on deepening customer relationships and expanding product offerings.

Key takeaway: SG Finserve Limited reported strong financial performance for the year ended March 31, 2026, with operating income of INR 334 crores, a year-on-year growth of 96%. The loan book reached INR 3,936 crores, reflecting a 75% increase, and profit after tax (PAT) was INR 128 crores, up 58% year-on-year. In Q4 alone, PAT was INR 42 crores, showing a sequential growth of 30%. Management highlighted the company's core business in supply chain finance, which contributed significantly to maintaining nil NPAs. They emphasized a robust early warning system to monitor dealer performance and ensure timely repayments. Management set a medium to long-term AUM growth guidance of 25% to 30%, with aspirations for 35% to 40% growth in FY27. They also noted that their current leverage is 1.9x, with plans to cautiously increase it to 3x over the next two to three years.

Key takeaway: SG Finserve Limited reported its financial results for the quarter and year ended March 31, 2026, highlighting significant growth across various metrics. The company achieved a loan book of ₹3,936 crore, reflecting a 23% quarter-on-quarter and 75% year-on-year increase. Gross disbursements surpassed ₹25,000 crore, marking a 40% year-on-year growth. Profit After Tax (PAT) for Q4 FY26 was ₹42.27 crore, up 30% from the previous quarter and 78% year-on-year, while the full year PAT reached ₹127.66 crore, a 58% increase from FY25. Management emphasized the strength of their supply chain financing and the successful raising of ₹316 crore in equity through warrant conversion. The company maintained a cost-to-income ratio below 15% and reported NIL NPAs, with a return on assets of 4.80% and return on equity of 12%. Future strategies include deepening customer relationships and expanding product offerings.