SG Finserve Ltd

Q4 FY24Finance

SG Finserve Q4 FY24 earnings call: Revenue & Margins

Q4 FY24 investor presentation: what the company reported on revenue, margins and projects.

Price₹602

Market cap₹4.2K Cr

P/E26.5

Updated25 Sept 2026

Read4 min read

Based on SG Finserve Ltd's Q4 FY24 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

Q4/FY24 Operating Income: INR 58.55 crore, up 113% YoY from INR 27.54 crore in Q4/FY23 (Page 16,12) - Q4/FY24 Interest Income: INR 54.02 crore, up 103% YoY from INR 26.64 crore in Q4/FY23 (Page 16,1 EBITDA / Operating Income (Q4 FY24): INR 58.55 crore, up 113% YoY from INR 27.54 crore in Q4 FY23 (Page 16, 12) - Operating Margin: Not explicitly stated as a percentage, but operating income growth of 113% YoY indicates strong margin expansion (implied by data on Page 16) - Profit After Tax (PAT) (Q4 FY24): INR 23.80 crore, up 69% YoY from INR 14.05 crore in Q4 FY23 (Page 13) - No explicit EBITDA or operating margin outlook noted in the presentation.

From SG Finserve Ltd's Q4 FY24 earnings-call transcript · updated 25 Sept 2026.

Revenue & Sales Performance

Q4/FY24 Operating Income: INR 58.55 crore, up 113% YoY from INR 27.54 crore in Q4/FY23 (Page 16,12)
Q4/FY24 Interest Income: INR 54.02 crore, up 103% YoY from INR 26.64 crore in Q4/FY23 (Page 16,12)
Q4/FY24 Fee & Other Income: INR 4.53 crore, up 403% YoY from INR 0.90 crore Q4/FY23 (Page 16)
Loan Book EOP Q4/FY24: INR 1,673 crore, up 71.41% YoY from INR 976 crore in Q4/FY23 (Page 16,12)

2 more points management made on revenue & sales performance

Profitability & Margins

- **EBITDA / Operating Income (Q4 FY24):** INR 58.55 crore, up 113% YoY from INR 27.54 crore in Q4 FY23 (Page 16, 12) - **Operating Margin:** Not explicitly stated as a percentage, but operating income growth of 113% YoY indicates strong margin expansion (implied by data on Page 16) - **Profit After Tax (PAT) (Q4 FY24):** INR 23.80 crore, up 69% YoY from INR 14.05 crore in Q4 FY23 (Page 13) - **No explicit EBITDA or operating margin outlook noted** in the presentation. Margin improvement is implied by strong income growth and stable expense ratios (Page 16). All figures are from the SG Finserve Limited Q4 FY24 investor presentation.

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

Capital Expenditure Plans

The provided investor presentation of SG Finserve Limited does not mention any capex, capacity expansion, new plant, or project details including amounts, status, or timelines. The document focuses on financial performance, loan portfolio, digital credit scoring, secured portfolio, board details, geographical presence, and growth metrics, but contains no specific information on capital expenditure or capacity expansion initiatives.

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Fundraising & Capital Structure

The presentation does not explicitly mention any specific fundraising events through debt or equity.
Net Debt at End of Period (EOP) for Q4/FY24 stands at INR 880 crore (Page 11, 7), showing an increase compared to INR 806 crore Equity EOP.
Loan Book EOP grew to INR 1,673 crore, up 71% from INR 976 crore in FY23 (Pages 8, 12).
Q4/FY24 Net Debt EOP is INR 880 crore, compared to Equity EOP of INR 806 crore (Page 7).
No direct statements about new borrowings or equity raises were provided.

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 presentation does not explicitly mention "order book," "order inflow," or "pending orders."
It primarily reports on the loan book and financial metrics related to lending and collections.
Loan book outstanding as of March 31, 2024, is INR 1,673 crore.
Number of invoices discounted till date: 207,118.
Purchases funded by SG Finserve: INR 22,605 crore.
Collections done so far: INR 20,932 crore.

2 more points management made on order book & pipeline

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Frequently Asked Questions

What were SG Finserve Ltd Q4 FY24 results?

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 provided investor presentation of SG Finserve Limited does not mention any capex, capacity expansion, new plant, or 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.