SG Finserve Ltd (NSE:SGFIN)

Q1 2026 SG Finserve Ltd Earnings Call Transcript

Jul 23, 2025 / 06:30 AM GMT

Transcript

Key Points

Positve

SG Finserve Ltd (BOM:539199) reported a 13% quarter-on-quarter increase and an 86% year-on-year increase in assets under management (AUM), showcasing strong growth momentum.
The company achieved a profit after tax of 24.52 crores, marking a 3% growth quarter-on-quarter and 27% growth year-on-year.
Gross non-performing assets (NPAs) remained at nil, indicating strong asset quality and effective risk management.
SG Finserve Ltd has successfully integrated technology into its operations, launching a customer mobile app and an AI-driven credit monitoring tool to enhance service delivery and portfolio oversight.
The company has expanded its anchor network to 48 leading corporates, enhancing its supply chain financing capabilities across various sectors such as infrastructure, metals, and consumer durables.

Negative

The company's net interest income rose by 20% quarter-on-quarter, but profit growth was limited due to a one-time ESOP expense of 2.7 crores.
Operating expenses increased by 24% quarter-on-quarter, driven by higher employee costs and ESOP-related expenses.
Despite the growth in AUM, the disbursement growth was only 5% quarter-on-quarter, indicating potential challenges in scaling loan disbursements.
The company's average yield calculation method led to discrepancies in reported figures, causing confusion among investors.
SG Finserve Ltd's reliance on a few sectors, such as building materials and automobiles, could expose it to sector-specific risks and cyclicality.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

SGFI.BO - Sg Finserve Ltd
Q1 2026 SG Finserve Ltd Earnings Call
Jul 23, 2025 / 06:30AM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, good day and welcome to the SG Finserve Q1 F 526 conference call hosted by Expeus Securities. As a reminder, all participants line will be in listen-only more, and there will be an opportunity for you to ask questions after the presentation concludes. Should you need assistance during this conference call, please signal an operator by pressing, then 0 on your touchstone phone. This conference call may contain forward-looking statements about the company which are based on the beliefs, opinions, and expectations of the company as on the 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 over the conference to Mr.

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