SG Finserve Q1 FY27 Results & Concall Highlights: Revenue, Margins & Order Book
Published 25 Aug 2026 | Market Cap: ₹4.5K Cr
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's Q1 FY27 earnings-call transcript · updated 25 Aug 2026.
Price
₹698
Market Cap
₹4.5K Cr
P/E Ratio
28.9
Revenue Rank
Margin Rank
📊 Revenue & Sales Performance
Rank 2- →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.
- →Growth focus is on steady, profitable expansion with strict credit quality and low NPAs to absorb potential shocks.
- →Expansion into adjacent services like digital lending, loan against property, insurance broking, and alternative investment funds planned to diversify revenue streams.
📈 Profitability & Margins
Rank 3- →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.
- →Anticipate INR 10,000 crores AUM target achievable within 3 years (by FY29/FY30).
- →Operating expense to remain lean at about 1% of average assets, keeping cost-to-income ratio below 15%.
🏗️ Capital Expenditure Plans
Yes- →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.
- →ESOP pool of 20 lakh options approved for employee incentives, but no mention of new capital infusion or strategic acquisitions.
- →Overall, growth is focused on scaling existing supply chain and factoring businesses, with cautious entry into adjacent financial services.
💰 Fundraising & Capital Structure
No- →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.
- →The equity base is expected to grow from around INR 1,539 crores as of June to approximately INR 1,700 crores by FY27 end, including PAT.
- →No specific mention of upcoming debt fundraising was made, but the company plans to manage growth through leverage and profits.
📋 Order Book & Pipeline
YesKey Metrics
Revenue
Margin
Capex
Fundraise
Order Book
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Frequently Asked Questions
What were SG Finserve 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 share price analysis?
SG Finserve currently shows a moderate growth signal based on ranking data. The stock trades at a P/E of 28.9 with a market cap of ₹4,528 Cr. Investors should review the full earnings analysis for detailed insights.
Is SG Finserve 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 concall transcripts. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.