SGFIN
SG Finserve Limited (SGFIN) Stock Analysis
SG Finserve Limited provides vehicle and MSME financing as a non-banking finance company. It originates and services loans for commercial vehicles, tractors, and small businesses through branches. The company focuses on secured lending in tier two and three markets. It is listed on Indian stock exchanges.
Financial Services › Capital Markets
₹680.00
+2.70% 1W | +72.00% 52W
Market Cap
4.5k CR
P/E Ratio
28.1
52W High
₹727.5
52W Low
₹323
Div. Yield
0%
Beta
-0.1
50 DMA
₹660.8
200 DMA
₹541
Profit Margin
39%
Inst. Own.
1.7%
🚀 BREAKOUT
🚀 BREAKOUT
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 35 | 44 | 52 | 59 | 44 | 31 | 42 | 54 | 68 | 75 | 86 | 105 | 136 |
| Interest | 11 | 15 | 18 | 21 | 12 | 0 | 1 | 19 | 25 | 30 | 36 | 43 | 54 |
| Expenses | 3 | 6 | 5 | 7 | 6 | 10 | 9 | 4 | 9 | 6 | 6 | 6 | 10 |
| Financing Profit | 21 | 23 | 29 | 31 | 25 | 21 | 32 | 31 | 34 | 39 | 43 | 56 | 72 |
| Financing Margin % | 60% | 53% | 55% | 53% | 58% | 67% | 76% | 58% | 50% | 52% | 50% | 53% | 53% |
| Other Income | 0 | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 21 | 23 | 29 | 32 | 26 | 21 | 32 | 31 | 34 | 38 | 43 | 56 | 72 |
| Tax % | 25% | 25% | 25% | 25% | 26% | 32% | 26% | 23% | 28% | 26% | 25% | 25% | 25% |
| Net Profit | 16 | 17 | 22 | 24 | 19 | 14 | 24 | 24 | 25 | 28 | 32 | 42 | 54 |
| EPS in Rs | 3.68 | 3.18 | 3.94 | 4.33 | 3.47 | 2.53 | 4.24 | 4.26 | 4.39 | 5.08 | 5.81 | 6.48 | 8.15 |
| Gross NPA % | |||||||||||||
| Net NPA % |
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 6 | 4 | 1 | 1 | 0 | 0 | 2 | 2 | 41 | 190 | 170 | 334 | 402 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 8 | 64 | 32 | 134 | 164 |
| Expenses | 6 | 4 | 0 | 1 | 1 | 1 | 1 | 1 | 8 | 20 | 28 | 27 | 29 |
| Financing Profit | 0 | 0 | 0 | 1 | -0 | -1 | 2 | 1 | 25 | 105 | 111 | 172 | 210 |
| Financing Margin % | 6% | 4% | 35% | 55% | -172% | -344% | 69% | 55% | 59% | 55% | 65% | 52% | 52% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -0 | 1 | 0 | 0 | -0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 |
| Profit before tax | 0 | 0 | 0 | 1 | -0 | -1 | 2 | 1 | 25 | 105 | 110 | 172 | 209 |
| Tax % | 32% | 38% | 23% | 29% | -27% | 5% | 4% | 30% | 26% | 25% | 26% | 26% | |
| Net Profit | 0 | 0 | 0 | 1 | -0 | -1 | 2 | 1 | 18 | 79 | 81 | 128 | 157 |
| EPS in Rs | 0.48 | 0.18 | 0.46 | 1.18 | -0.68 | -2.00 | 3.15 | 1.56 | 4.46 | 14.29 | 14.49 | 19.56 | 25.52 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 100.0% | 169.0% | 56.0% |
| Profit CAGR | 91.0% | 141.0% | 107.0% |
Shareholding Pattern
Promoters48.38%
FIIs0.12%
DIIs4.44%
Public47.07%
Promoters48.38%
FIIs0.17%
DIIs4.03%
Public47.43%
Promoters50.30%
FIIs0.07%
DIIs3.46%
Public46.17%
Promoters52.92%
FIIs0.26%
DIIs3.28%
Public43.54%
Promoters56.95%
FIIs0.54%
DIIs2.18%
Public40.34%
Promoters50.88%
DIIs0.97%
Public48.15%
Promoters47.77%
FIIs0.25%
DIIs1.38%
Public50.59%
Promoters48.38%
FIIs0.08%
DIIs2.30%
Public49.25%
Promoters52.92%
FIIs0.26%
DIIs3.28%
Public43.54%
Promoters56.95%
FIIs0.54%
DIIs2.18%
Public40.34%
SGFIN
Holdings Analysis
Key strengths & risk signals
84
Overall
70
Fundamental
98
Technical
Risks (1)
TOO MUCH PUBLIC HOLDING! 51.32% public ownership - higher volatility risk.
Strengths (4)
EXCELLENT EFFICIENCY! 39.0% profit margin - company keeps strong profits.
BULLISH TREND! 50-day average (660.8) is above 200-day average (541.0) - positive signal.
BREAKOUT! Stock has broken above resistance levels with momentum.
EXCELLENT YEAR! Stock gained 72.0% in the last year.
Fundamental & Technical Analysis
84Overall
70Fundamental
98Technical
Fundamental Breakdown
Growth Quality
30/30
Revenue CAGR: 102.3% (EXCELLENT, 15/15). Profit CAGR: 90.7% (EXCELLENT, 15/15).
Profit Margin
10/10
EXCELLENT EFFICIENCY! 39.0% profit margin - company keeps strong profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.31 indicates stock is cheap relative to growth.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
Debt to Equity
4/10
HIGH DEBT! D/E of 1.37 - caution advised.
Public Holding
5/20
TOO MUCH PUBLIC HOLDING! 51.32% public ownership - higher volatility risk.
Stability Index
8/10
GOOD STABILITY! Only 1 revenue dip in history. Strong business fundamentals.
Technical Breakdown
Moving Averages
12/10
BULLISH TREND! 50-day average (660.8) is above 200-day average (541.0) - positive signal.
Price Position
8/10
STRONG POSITION! Current price (680.0) is above both moving averages.
Trend Pattern
20/20
BREAKOUT! Stock has broken above resistance levels with momentum.
52W Performance
10/10
EXCELLENT YEAR! Stock gained 72.0% in the last year.
Volume Sentiment
30/30
BULLISH SENTIMENT! In last 30 days: 15 up days, 15 down days. Avg volume on up days: 518,188 vs down days: 217,997. Ratio: 2.38x
RSI
3/5
NEUTRAL! RSI at 58.2 - balanced momentum.
52W Range
5/5
STRONG! Trading at 88.3% of 52W range - near yearly highs.
Momentum
5/5
STRONG MOMENTUM! Price has grown across all timeframes - up 2.7% (1 week), 2.9% (1 month), 8.7% (3 months). Momentum is accelerating.
Beta
5/5
LOW VOLATILITY! Beta of -0.10 - stable stock, less market risk.
SGFIN
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-07-18 | Concall PDF | |
| Q2FY262026-01-28 | Concall PDF | |
| Q1FY262025-10-17 | Concall PDF |
Peer Comparison
Financial Services · Capital Markets · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SGFIN | ₹680.00 | 28.1 | 39.0% | 102.3% | 90.7% | +72.0% | 84 | BREAKOUT | +119.2% | +27.0% | +101.6% | +28.6% |
| SHAREINDIA | ₹195.20 | 11.8 | 25.6% | 9.6% | -0.5% | +33.4% | 66 | APPROACHING SUPPORT | +47.4% | +114.7% | +44.7% | -10.2% |
| MONARCH | ₹340.40 | 15.1 | 50.5% | 10.9% | 61.6% | +9.2% | 72 | APPROACHING SUPPORT | -0.2% | -0.9% | +47.1% | +29.6% |
| SMCGLOBAL | ₹117.40 | 23.8 | 6.2% | 16.0% | -1.0% | +72.3% | 72 | BREAKOUT | +24.6% | +75.4% | +22.8% | -1.2% |
| GEOJITFSL | ₹76.20 | 29.8 | 10.7% | 14.1% | -6.1% | -5.2% | 58 | BREAKDOWN | -28.5% | +12.5% | +11.4% | +5.5% |
| ALGOQUANT | ₹67.40 | 41.6 | 17.6% | 149.4% | – | -2.7% | 68 | BREAKDOWN | +275.0% | -1.8% | +8.7% | -50.3% |
| GCSL | ₹736.60 | 49.2 | 18.3% | 73.8% | 2.5% | +215.1% | 75 | BREAKOUT | +1,062.5% | +89.8% | +70.5% | +7.8% |
| 5PAISA | ₹348.70 | 26.8 | 14.9% | -8.5% | 0.5% | +7.4% | 58 | BOUNCE FROM SUPPORT | +0.9% | +6.4% | +4.1% | -6.7% |
Data from TradeAlone · Updated daily
SGFIN News
