SG Finserve Ltd

Q1 FY25Finance

SG Finserve Q1 FY25 earnings call: Revenue & Margins

Q1 FY25 investor presentation: what the company reported on revenue, margins and projects.

Price₹602

Market cap₹4.2K Cr

P/E26.5

Updated25 Sept 2026

Read3 min read

Based on SG Finserve Ltd's Q1 FY25 investor presentation. The company has not published an earnings-call transcript for this quarter, so figures here are what the presentation reports, not management guidance.

The short version

Interest Income for Q1 FY25: INR 42.83 crore, up 26% YoY from INR 34.07 crore in Q1 FY24. EBITDA and operating margin figures are not explicitly reported in the presentation.

From SG Finserve Ltd's Q1 FY25 earnings-call transcript · updated 25 Sept 2026.

Revenue & Sales Performance

Interest Income for Q1 FY25: INR 42.83 crore, up 26% YoY from INR 34.07 crore in Q1 FY24.
Fee Income for Q1 FY25: INR 0.70 crore, down 9% YoY from INR 0.77 crore in Q1 FY24.
Operating Income for Q1 FY25: INR 43.54 crore, up 25% YoY from INR 34.84 crore in Q1 FY24.
Total Income for Q1 FY25: INR 44.60 crore, up 28% YoY from INR 34.84 crore in Q1 FY24.
Loan Book at end of Q1 FY25: INR 1,410 crore, up 13% YoY from INR 1,243 crore in Q1 FY24.

2 more points management made on revenue & sales performance

Profitability & Margins

EBITDA and operating margin figures are not explicitly reported in the presentation.
Profit After Tax (PAT) for Q1 FY25: INR 19.39 crore
Year-on-year change: +24% (Q1 FY24 PAT was INR 15.64 crore)
Operating Income for Q1 FY25: INR 43.54 crore
Year-on-year change: +25% (Q1 FY24 operating income was INR 34.84 crore)
Profit before Provision & Tax for Q1 FY25: INR 26.26 crore

2 more points management made on profitability & margins

See what SG Finserve Ltd said on profitability & margins — free account, 30 seconds.

Capital Expenditure Plans

The investor presentation of SG Finserve Limited for Q1 FY25 does not mention any capex, capacity expansion, new plant, or new project details including amounts, status, or timelines. The document primarily focuses on financial results, business overview, team experience, digital credit scoring platform, secured portfolio, and operational metrics without reference to capital expenditures or capacity expansions.

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Fundraising & Capital Structure

The presentation does not explicitly mention any new fundraising through debt or equity in Q1 FY25.
Page 6 shows borrowings and cash position:
Bank Debt stands at INR 840 crore as of Q1 FY25.
USL (Unsecured Loans) from Promoters is INR 614 crore.
Cash balance is INR 30 crore.
Page 7 indicates loan book at the end of the period is INR 1,410 crore (up 13% YoY).
Interest expenses increased by 16% YoY, indicating increased borrowing costs or borrowings.

2 more points management made on fundraising & capital structure

See what SG Finserve Ltd said on fundraising & capital structure — free account, 30 seconds.

Order Book & Pipeline

The investor presentation does not explicitly mention order book, order inflow, or pending orders. However, it provides related metrics reflecting business volume: - Gross Disbursement for Q1 FY25: INR 4,324 crore (Page 6) - Number of Invoices Discounted till date: 2,39,790 (Page 12) - Number of Invoices Discounted in Q1 FY25: 32,272 (Page 6) - Loan Book End of Period (EOP): INR 1,410 crore as of 30th June 2024 (Page 7, 18) - Purchases Funded: INR 26,929 crore (Page 12)

2 more points management made on order book & pipeline

What SG Finserve Ltd's management said in earlier quarters

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Frequently Asked Questions

What were SG Finserve Ltd Q1 FY25 results?

Interest Income for Q1 FY25: INR 42.83 crore, up 26% YoY from INR 34.07 crore in Q1 FY24. EBITDA and operating margin figures are not explicitly reported in the presentation.

What is SG Finserve Ltd share price analysis?

SG Finserve Ltd currently shows a neutral. The stock trades at a P/E of 26.5 with a market cap of ₹4,158 Cr. Investors should review the full earnings analysis for detailed insights.

Is SG Finserve Ltd planning capital expenditure?

The investor presentation of SG Finserve Limited for Q1 FY25 does not mention any capex, capacity expansion, new plant, or new project details including amounts, status, or timelines.

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This analysis is AI-generated based on publicly available earnings data and the company's investor presentation. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.