SG Finserve Limited (IN:SGFIN)
:SGFIN
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SG Finserve Limited
(SGFIN)
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Rating:58Neutral
Price Target:
₹610.00
▲(31.41% Upside)
Action:Reiterated
Date:04/22/26
The score is held back primarily by weak cash-flow conversion and higher balance-sheet leverage despite strong reported revenue and earnings growth. Technicals are supportive with a clear uptrend, but overbought indicators add near-term risk. Valuation is moderate with a mid-range P/E and no dividend yield data to improve the valuation outlook.
Positive Factors
Revenue Growth
Sustained, large revenue acceleration (165.6% YoY) indicates the firm is materially expanding its core credit services volume or pricing reach. That scale gain supports long-term market position, revenue diversification and potential operating leverage over the next several quarters.
Negative Factors
Weak Cash Generation
Persistent and worsening negative operating and free cash flow despite accounting profits indicates the business consumes cash to grow or has working capital strains. This elevates reliance on external funding and raises medium-term liquidity and execution risk.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Sustained, large revenue acceleration (165.6% YoY) indicates the firm is materially expanding its core credit services volume or pricing reach. That scale gain supports long-term market position, revenue diversification and potential operating leverage over the next several quarters.
Read all positive factors
SG Finserve Limited (SGFIN) vs. iShares MSCI India ETF (INDA)
Market Cap
₹32.82B
Dividend YieldN/A
Average Volume (3M)23.05K
Price to Earnings (P/E)25.8
Beta (1Y)0.67
Revenue Growth91.39%
EPS Growth56.29%
CountryIN
Employees58
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)9.35
Shares Outstanding55,895,000
10 Day Avg. Volume13,532
30 Day Avg. Volume23,045
Financial Highlights & Ratios
PEG Ratio0.35
Price to Book (P/B)1.73
Price to Sales (P/S)7.59
P/FCF Ratio-1.61
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)38.65
Revenue Forecast (FY)₹3.85B
SG Finserve Limited Business Overview & Revenue Model
Company Description
SG Finserve Limited operates as a leading non-banking financial company (NBFC) in India. The firm offers a wide spectrum of lending facilities, including credit solutions for dealers, retail customers, and vendors. Additionally, it specializes in ...
How the Company Makes Money
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SG Finserve Limited Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
52
Neutral
Cash Flow
19
Very Negative
| Breakdown | TTM | Mar 2025 | Mar 2024 |
|---|---|---|---|
Income Statement | |||
| Total Revenue | 1.25B | 3.33B | 1.71B |
| Gross Profit | 969.07M | 3.18B | 1.59B |
| EBITDA | 848.01M | 3.07B | 1.40B |
| Net Income | 521.92M | 1.28B | 809.90M |
Balance Sheet | |||
| Total Assets | 29.90B | 41.73B | 24.16B |
| Cash, Cash Equivalents and Short-Term Investments | 686.87M | 2.04B | 1.40B |
| Total Debt | 18.97B | 27.04B | 13.85B |
| Total Liabilities | 19.18B | 27.13B | 14.02B |
| Stockholders Equity | 10.71B | 14.60B | 10.15B |
Cash Flow | |||
| Free Cash Flow | -19.83B | -15.73B | -4.90B |
| Operating Cash Flow | -19.81B | -15.71B | -4.89B |
| Investing Cash Flow | 210.72M | 612.89M | -576.52M |
| Financing Cash Flow | 20.21B | 16.32B | 5.54B |
SG Finserve Limited Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | ₹1.23B | -17.11 | ― | ― | -3.99% | 63.50% | |
58 Neutral | ₹32.82B | 25.82 | ― | ― | 91.39% | 56.29% | |
49 Neutral | ₹197.25M | 40.11 | ― | 1.70% | -105.97% | -85.08% | |
45 Neutral | ₹193.14M | 361.11 | ― | ― | 0.50% | -19.44% | |
44 Neutral | ₹236.98M | -13.33 | ― | ― | -92.81% | -149.71% | |
43 Neutral | ₹119.92M | -11.70 | ― | ― | -66.71% | 13.06% |
* Financial Sector Average
IN:SGFIN
SG Finserve Limited
587.20
178.40
43.64%
IN:DCMFINSERV
DCM Financial Services Limited
5.42
-1.23
-18.50%
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7.12
0.34
5.01%
IN:LFIC
Lakshmi Finance & Industrial Corp. Ltd.
―
―
―
IN:ONELIFECAP
Onelife Capital Advisors Limited
32.80
19.86
153.58%
IN:TCIFINANCE
TCI Finance Limited
18.41
2.92
18.85%
SG Finserve Limited Corporate Events
SG Finserve forms wholly owned insurance broking subsidiary in India
Jun 20, 2026
SG Finserve Limited has incorporated a wholly owned subsidiary, SG Insurance Brokers Limited, in India to conduct direct insurance broking in both general and life insurance. The move signals a strategic expansion of SG Finserve’s financial ...
SG Finserve Clears FY26 Results, Appoints New Chairperson
Apr 23, 2026
SG Finserve Limited’s board has approved the audited financial results for the quarter and year ended March 31, 2026, reflecting completion of a key statutory reporting milestone for the listed lender. The audit report carries an unmodified ...
SG Finserve Discloses CARE Monitoring Report on ₹450 Crore Preferential Issue
Apr 16, 2026
SG Finserve Limited has disclosed that CARE Ratings Limited, acting as the SEBI-appointed monitoring agency, has submitted its report for the quarter ended 31 March 2026 on the utilisation of proceeds from the company’s ₹450 crore pref...
SG Finserve posts investor call recording on FY26 results discussion
Apr 16, 2026
SG Finserve Limited has notified the stock exchanges that it conducted a conference call with investors and analysts on April 16, 2026 to discuss its audited financial results for the quarter and year ended March 31, 2026. The company has now made...
SG Finserve to Brief Analysts on Q4 FY26 Results via Investor Call
Apr 13, 2026
SG Finserve Limited has scheduled a conference call with analysts and institutional investors to discuss its financial results for the fourth quarter and full year ended 31 March 2026. The call, organized with Emkay Global Financial Services, will...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.