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
₹595.30
-4.69% 1W | +71.00% 52W
Market Cap
3.9k CR
P/E Ratio
22.4
52W High
₹727.5
52W Low
₹323
Div. Yield
0%
Beta
-0.4
50 DMA
₹668.3
200 DMA
₹529.5
Profit Margin
39%
Inst. Own.
1.6%
⚡ APPROACHING SUPPORT
⚠️ BREAKDOWN
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
66
Overall
70
Fundamental
63
Technical
Risks (3)
TOO MUCH PUBLIC HOLDING! 51.32% public ownership - higher volatility risk.
RECOVERY MODE! Current price (595.3) above 200-day but below 50-day.
NEGATIVE MOMENTUM! Price declined across timeframes - down 4.7% (1 week), 13.0% (1 month), 9.8% (3 months).
Strengths (4)
EXCELLENT EFFICIENCY! 39.0% profit margin - company keeps strong profits.
BULLISH TREND! 50-day average (668.3) is above 200-day average (529.5) - positive signal.
EXCELLENT YEAR! Stock gained 71.0% in the last year.
LOW VOLATILITY! Beta of -0.40 - stable stock, less market risk.
Fundamental & Technical Analysis
66Overall
70Fundamental
63Technical
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 0.25 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 (668.3) is above 200-day average (529.5) - positive signal.
Price Position
2/10
RECOVERY MODE! Current price (595.3) above 200-day but below 50-day.
Trend Pattern
10/20
TESTING SUPPORT! Stock is at key support level.
52W Performance
10/10
EXCELLENT YEAR! Stock gained 71.0% in the last year.
Volume Sentiment
15/30
BEARISH SENTIMENT! In last 30 days: 12 up days, 18 down days. Avg volume on up days: 174,022 vs down days: 188,024. Ratio: 0.93x
RSI
4/5
APPROACHING OVERSOLD! RSI at 32.6 - watch for reversal.
52W Range
4/5
UPPER HALF! Trading at 67.3% of 52W range - positive territory.
Momentum
1/5
NEGATIVE MOMENTUM! Price declined across timeframes - down 4.7% (1 week), 13.0% (1 month), 9.8% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of -0.40 - 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 | ₹595.30 | 22.4 | 39.0% | 102.3% | 90.7% | +71.0% | 66 | APPROACHING SUPPORT | +119.2% | +27.0% | +101.6% | +28.6% |
| SHAREINDIA | ₹205.70 | 12.6 | 25.6% | 9.6% | -0.5% | +61.1% | 70 | BREAKOUT | +47.4% | +114.7% | +44.7% | -10.2% |
| MONARCH | ₹343.10 | 15 | 50.5% | 10.9% | 61.6% | +14.0% | 73 | BREAKDOWN | -0.2% | -0.9% | +47.1% | +29.6% |
| GEOJITFSL | ₹76.80 | 29.5 | 10.7% | 14.1% | -6.1% | +4.0% | 59 | BREAKDOWN | -28.5% | +12.5% | +11.4% | +5.5% |
| SMCGLOBAL | ₹93.00 | 19.1 | 6.2% | 16.0% | -1.0% | +22.5% | 69 | BREAKOUT | +24.6% | +75.4% | +22.8% | -1.2% |
| ALGOQUANT | ₹65.60 | 40.5 | 17.6% | 149.4% | – | +4.5% | 65 | APPROACHING SUPPORT | +275.0% | -1.8% | +8.7% | -50.3% |
| GCSL | ₹666.20 | 49.7 | 18.3% | 73.8% | 2.5% | +161.3% | 75 | BREAKOUT | +1,062.5% | +89.8% | +70.5% | +7.8% |
| SUMMITSEC | ₹1,322.60 | 12 | 76.1% | 41.2% | 41.3% | -37.3% | 62 | BREAKDOWN | +74.8% | -252.2% | -22.2% | -93.9% |
Data from TradeAlone · Updated daily
