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SG Finserve Ltd

Q1 FY27

SG Finserve Q1 FY27 earnings call: Revenue & Margins

Q1 FY27 earnings call: what management guided on revenue, margins and order book.

Price₹677

Market cap₹4.5K Cr

P/E28.4

Updated16 Oct 2026

Read4 min read

What the Q1 FY27 call signalled

3 of 5 strong

RevenueGood growth

MarginMargins steady

CapexCapex planned

FundraiseNo fundraise planned

Order bookOrder book rising

The short version

Targeting 25% to 30% CAGR growth in Assets Under Management (AUM) over the next 3-4 years. Targeting 25% to 30% CAGR growth in Assets Under Management (AUM) over the next 3-4 years.

From SG Finserve Ltd's Q1 FY27 earnings-call transcript · updated 16 Oct 2026.

Revenue & Sales Performance

Good growth

Targeting 25% to 30% CAGR growth in Assets Under Management (AUM) over the next 3-4 years.
Aiming for 30% to 35% CAGR growth in profitability (PBT and PAT) during the same period.
Projected AUM of around INR 10,000 crores by FY30, potentially achieved as early as FY29 due to faster business velocity.
Expecting PBT of INR 300 crores and PAT of INR 225 crores in FY27 with a strong equity base.
Anticipating sustainable quarter-on-quarter growth of 8%-10% in profitability and 15%-16% in AUM for upcoming quarters.

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Profitability & Margins

Targeting 25% to 30% CAGR growth in Assets Under Management (AUM) over the next 3-4 years.
Aim to grow profitability at a 30% to 35% CAGR.
Expect PBT (Profit Before Tax) of INR 300 crores in FY27, translating to about INR 225 crores PAT (Profit After Tax).
Maintain strong return on assets (ROA) between 4.5% to 5%, with Q1 FY27 already achieving 5.1%.
Return on equity (ROE) has expanded from 12% in FY26 to 14% in Q1 FY27, with a target to increase to 16%.
Strategy focused on steady, sustainable, and profitable growth rather than aggressive scaling.

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Capital Expenditure Plans

Capex planned

SG Finserve Limited does not explicitly mention any current or immediate capex or strategic investments in these excerpts.
Plans for new business areas like insurance broking are underway but subject to regulatory approvals; launch expected around Q4 FY27 or later.
The company is focused on organic growth, targeting AUM growth to INR 10,000 crores over next 3 years without need for equity raise.
There is no mention of specific capital expenditure; the company emphasizes operating with a lean cost structure leveraging digital capabilities.
Long-term strategy includes expanding supply chain finance internationally via GIFT City, subject to RBI and IFSCA approvals.

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Fundraising & Capital Structure

SG Finserve does not plan to raise any equity in the current financial year as they do not need it.
The company is currently leveraged at 2.2x and aims to transit from 2x to 3x leverage, which will help expand return on equity from 14% to 16%.
With organic profit accumulation and 3x leverage, SG Finserve targets INR 10,000 crores AUM in 3-4 years without requiring equity infusion.

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Order Book & Pipeline

Order book rising

The document does not provide explicit details on the current or expected order book or pending orders for SG Finserve Limited. However, some relevant insights related to business growth and loan book expansion include: - The company’s AUM (Assets Under Management) grew from approximately INR4,000 crores in March to around INR4,500 crores in June, reflecting strong business momentum. - They target achieving INR5,500 crores AUM by FY27 and aspire to reach INR10,000 crores AUM within 3-4 years. - The company expects a CAGR growth of 25-30% in AUM over the next three to four years.

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What SG Finserve Ltd's management said in earlier quarters

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Frequently Asked Questions

What were SG Finserve Ltd Q1 FY27 results?

Targeting 25% to 30% CAGR growth in Assets Under Management (AUM) over the next 3-4 years. Targeting 25% to 30% CAGR growth in Assets Under Management (AUM) over the next 3-4 years.

What is SG Finserve Ltd share price analysis?

SG Finserve Ltd currently shows a moderate growth signal based on ranking data. The stock trades at a P/E of 28.4 with a market cap of ₹4,459 Cr. Investors should review the full earnings analysis for detailed insights.

Is SG Finserve Ltd planning capital expenditure?

SG Finserve Limited does not explicitly mention any current or immediate capex or strategic investments in these excerpts.

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