Company File · BSE 539199 · Latest filing Q2 FY27
Standalone = this company only. Consolidated = including its subsidiaries.
SG Finserve Limited
Data as of 19 Oct 2026 close · BSE · Latest results Q2 FY27
ISIN INE618R01015 · SGFIN · Financial Services › Finance
Price & valuation · BSE close, 19 Oct 2026
- Credit cost
- 0.18%
- Price/book
- 2.71×
- ROA
- 3.91%
- ROE
- 14.7%
- Borrowings/equity
- 2.73×
- Promoter
- 56.95%
- Pledged
- 0.00%
Earnings callsNo earnings-call transcript from SG Finserve in our data yet. When it files one on BSE, the call notes appear here within a few hours. See its call page
Is it expensive, and is it a good business?
Key ratios
In short Priced at 2.71× its book value (P/B), earns about 14.7% a year on shareholders' money (ROE, an estimate), loses about 0.18% of its loans a year to bad loans (credit cost, an estimate) & borrows ₹2.73 for every ₹1 of shareholders' money.
What you pay Valuation
The share price is 2.7 times the accounting value of each share.
Latest BSE close ÷ book value per share (equity ÷ shares) on the latest balance-sheet date. As of 19th October 2026.
Each share is backed by about ₹242 of net assets on the books.
Shareholders' equity ÷ shares. As of 30th September 2026.
The company paid no dividend in the last 12 months.
Dividends per share with an ex-date in the last 12 months (restated for any split or bonus since) ÷ the latest BSE close. As of 19th October 2026.
How it is doing Growth, credit costs, returns & borrowing
Needs the same quarter a year earlier.
Latest quarter's net interest income (interest income less finance costs) vs the same quarter a year earlier. As of 30th September 2026.
Needs the same quarter a year earlier.
Latest quarter's profit vs the same quarter a year earlier (the shareholders' share when the filings give it for both). As of 30th September 2026.
Its credit losses come to about 0.18% of its loans for a year, on Q2 FY27's figure.
Latest quarter: credit losses (impairment on financial instruments) × 4 ÷ the average loan book on the two latest balance sheets. An estimate, as balance sheets come every six months. As of 30th September 2026.
Each ₹100 of its assets earned about ₹3.91 in a year, on Q2 FY27's profit.
Latest quarter: the quarter's profit, a year's worth (× 4), ÷ average total assets on the two latest balance sheets. An estimate, as balance sheets come every six months. As of 30th September 2026.
Each ₹100 of shareholders' money earned about ₹14.7 in a year, on Q2 FY27's profit.
Latest quarter: the quarter's profit, a year's worth (× 4), ÷ average shareholders' equity on the two latest balance sheets. An estimate, as balance sheets come every six months. As of 30th September 2026.
It has borrowed ₹2.73 for every ₹1 of shareholders' money.
Borrowings ÷ shareholders' equity on the latest balance sheet. As of 30th September 2026.
Who owns it Ownership & more
The founders or parent group own 56.95% of the company.
Promoter & promoter group shareholding from the latest shareholding pattern filed with BSE. As of 30th September 2026.
Promoter holding did not change over the last quarter.
Latest quarter's promoter holding minus the previous quarter's. As of 30th September 2026.
Promoter holding, quarter by quarter
- Sep 202656.95%
- Jun 202656.95%
- Sep 202548.38%
Promoters reported no pledged shares.
Promoter group shares pledged ÷ all the promoter group's shares, from the shareholding pattern filed with BSE each quarter (other encumbrances, such as non-disposal undertakings, are not counted). As of 30th September 2026.
Pledged, quarter by quarter
- Sep 20260.00%
- Jun 20260.00%
- Sep 20250.00%
Each share has a face (nominal) value of ₹10. It matters for dividends quoted as a percentage, not for valuation.
Face value per share as BSE lists it today.
About 6.59 crore shares were in issue.
BSE's count of listed shares (BSE's market cap ÷ its price), so splits, bonuses & new shares since the latest results are included. As of 19th October 2026.
Your ratios
Ratios you added. Your choices are remembered on this device.
The stock market values the company at about ₹4,326 crore.
Latest BSE close × BSE's count of listed shares. As of 19th October 2026.
Buying the whole business, including its debt and keeping its cash, would cost about ₹8,569 crore.
Market value + borrowings − cash & bank balances. As of 19th October 2026.
Needs four consecutive quarters.
Sum of the last four quarters' reported profit after tax. As of 30th September 2026.
Needs four consecutive quarters.
Sum of the last four quarters' basic EPS. Uses earnings per share from continuing operations, so a one-off gain from selling a business does not flatter it. As of 30th September 2026.
Each share is backed by about ₹242 of net assets on the books.
Shareholders' equity ÷ shares. As of 30th September 2026.
Needs four consecutive quarters.
EBITDA ÷ revenue over the last four quarters. As of 30th September 2026.
About ₹36.4 of every ₹100 of sales became profit last quarter.
Profit after tax ÷ revenue for the latest quarter. As of 30th September 2026.
Needs the same quarter from last year.
Latest quarter's revenue vs the same quarter last year. As of 30th September 2026.
Needs the same quarter from last year with a positive profit.
Latest quarter's profit after tax vs the same quarter last year (continuing operations when a one-off discontinued item exists). As of 30th September 2026.
No accepted balance sheet for this basis yet.
Current assets ÷ current liabilities. As of 30th September 2026.
Needs four consecutive quarters.
Trade receivables ÷ last 12 months' revenue × 365. As of 30th September 2026.
Needs four consecutive quarters.
Inventories ÷ last 12 months' revenue × 365. As of 30th September 2026.
Needs four consecutive quarters.
Other income ÷ profit before tax, last 12 months. As of 30th September 2026.
Needs a full-year cash-flow statement.
Latest full year's cash from operations ÷ profit after tax.
Borrowings exceed cash by ₹4,243 crore.
Cash & bank balances − borrowings. As of 30th September 2026.
Needs reported tax expense that reconciles.
Tax expense ÷ profit before tax (continuing operations), last 12 months. As of 30th September 2026.
Needs four consecutive quarters.
Revenue − expenses + finance costs + depreciation, last four quarters. As of 30th September 2026.
Needs five financial years of cash flows.
Sum over five financial years of (cash from operations − capital expenditure).
Needs a full-year cash-flow statement.
Purchase of property, plant & equipment, latest full year.
Borrowings stood at ₹4,363 crore.
Current + non-current borrowings. As of 30th September 2026.
Foreign institutions own 1.00%.
Foreign institutional holding from the latest shareholding pattern. As of 30th September 2026.
Domestic institutions own 2.17%.
Domestic institutional holding (mutual funds, insurers, banks, pension funds). As of 30th September 2026.
The highest price in the last year was ₹728.1.
Highest intraday BSE price in the last 12 months (raw, not adjusted). As of 5th August 2026.
The lowest price in the last year was ₹323.2.
Lowest intraday BSE price in the last 12 months (raw, not adjusted). As of 2nd February 2026.
The share price moved 71.1% over the last year.
Close today ÷ close a year ago − 1 (raw prices, dividends not included). As of 19th October 2026.
Needs positive 12-month EPS.
Dividends per share with an ex-date in the last 12 months ÷ the last four quarters' EPS. As of 30th September 2026.
Needs four financial years of results (three years of growth).
Compound annual growth in revenue over three financial years.
Needs four financial years of results (three years of growth).
Compound annual growth in profit after tax over three financial years.
Tap the i beside any ratio for a plain explanation.
How these are worked out
Price-based ratios use the latest BSE close (19th October 2026). Share count 6.59 crore, from paid-up capital in the 19th October 2026 filing. Figures are consolidated.
What you pay: Banks & other lenders are valued on their books, so P/B (price ÷ book value per share) stands where P/E would.
How it is doing: Growth is on the same period a year earlier. The credit cost is a year's credit losses on its average loans: lower is better. ROA & ROE take the latest results' profit for a year on the average of the two latest balance sheets. Borrowings ÷ equity shows how much of its lending runs on borrowed money.
Who owns it: A steady promoter stake with nothing pledged is a calm sign.
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Last 1 quarters ₹ crore · Consolidated
| ₹ crore | Q2 FY27 |
|---|---|
| Interest income | 152.9 |
| Net interest income (NII) | 84.7 |
| Credit losses | 2.5 |
| Cost-to-income | 12.0% |
| Profit after tax | 58.5 |
| Basic EPS (₹) | 8.93 |
Latest filings BSE
Corporate announcements 6
- 16 Oct 2026Change in Management
- 16 Oct 2026Acquisition
- 15 Oct 2026Half Yearly Report (SEBI Circular No. CIR/IMD/DF-1/67/2017)
Quarterly results 4
- 16 Oct 2026Press Release / Media Release
- 16 Oct 2026Financial Results For The Quarter And Half Year Ended September 30, 2026
- 16 Oct 2026Board Meeting Outcome for Outcome Of Board Meeting
Conference calls 2
- 16 Oct 2026Analyst / Investor Meet - Outcome
- 9 Oct 2026Analyst / Investor Meet - Intimation
Investor presentations 1
- 16 Oct 2026Investor Presentation
Members see every filing, and what each means for the company in Corporate Intelligence.
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