Q3 2026 SG Finserve Ltd Earnings Call Transcript
Key Points
- SG Finserve Ltd (BOM:539199) achieved an all-time high loan book of INR3210 crore as of December 31, reflecting a quarter-on-quarter growth of 12%.
- The company reported a profit after tax (PAT) of INR32 crore for Q3, marking a 15% quarter-on-quarter growth.
- For the nine months ended December, the PAT was INR85 crore, showing a year-on-year growth of 49%.
- The Reserve Bank of India granted SG Finserve Ltd a license to commence its factoring business, enhancing its supply chain financing offerings.
- The company maintains a strong balance sheet with equity of approximately INR1100 crore and a conservative leverage nearing 2 times, providing ample headroom for future growth.
- The company has revised its growth guidance, citing the need to allow the new management team time to settle, which has caused some confusion among investors.
- There is concern among investors about the company's plans to explore new business verticals, which some feel may distract from its core supply chain financing business.
- The company's communication regarding its strategic initiatives and guidance has been criticized for being unclear and causing mixed signals to investors.
- SG Finserve Ltd's guidance for FY30 appears conservative, with some investors questioning the rationale behind the linear growth projections.
- The company faced operational disruptions in the past due to the withdrawal of a license by the RBI, which impacted its business continuity.
Ladies and gentlemen, good day and welcome to the SG Finserve Q3 FY26 conference call hosted by Aquarius Securities. (Operator Instructions) Please note that the conference is being recorded. This conference call may contain forward looking statements about the company which are based on the beliefs, opinion and expectations of the company as on date of this call.
These statements are not the guarantee of future performance and involve risk and uncertainty that are difficult to predict. I now hand the conference over to Mr. Sripal Doshi from Aquarius Securities. Thank you. And over to you Mr. Sripal.
thank you Rudra. Good evening everyone. We welcome you all to the earnings. Conference call of SG Finsout to discuss the Q3 FY26 performance of the company. Today we have the management of the company represented by Mr. Vinay Gupta CEO, Mrs. Sanjay Rajput, CFO and Mr. Anubhav Gupta Group Chief Strategy Officer. Without taking much time, I would now like to hand over the call to the management for their
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