SG Finserve Reports Strong Q4 FY26 Results, Holds Investor Conference Call
April 22, 2026
SG Finserve delivered exceptional Q4 FY26 performance with significant growth across all financial metrics and conducted comprehensive investor conference call on April 16, 2026. The company outlined strategic growth plans targeting INR 10,000 crore AUM with 3x leverage while maintaining zero NPA guidance, demonstrating strong operational efficiency and robust risk management in supply chain finance business.
SG Finserve has demonstrated robust financial performance while maintaining its strategic growth trajectory and regulatory compliance standards through its latest quarterly results and comprehensive investor engagement.
Strong Financial Performance in Q4 FY26
The company delivered impressive financial results for the quarter and year ended March 31, 2026. The audited results showcase significant growth across key financial metrics, reflecting the company's operational efficiency and market positioning.
Financial Metric: Q4 FY26 Q4 FY25 Growth (%) Total Income from Operations: ₹10,555.26 lakhs ₹5,409.31 lakhs +95.11% Net Profit Before Tax: ₹5,620.53 lakhs ₹3,107.43 lakhs +80.85% Net Profit After Tax: ₹4,226.91 lakhs ₹2,379.30 lakhs +77.67% Total Comprehensive Income: ₹4,247.17 lakhs ₹2,379.30 lakhs +78.52%
Annual Performance Highlights
For the full year FY26, SG Finserve achieved total income from operations of ₹33,365.92 lakhs with net profit after tax reaching ₹12,785.98 lakhs. The company's earnings per share for continuing operations stood at ₹22.75 (basic) and ₹22.41 (diluted) for the year.
During the earnings conference call held on April 16, 2026, CEO Vinay Gupta highlighted the company's exceptional performance, stating that operating income reached INR 334 crores with year-on-year growth of 96%. The loan book achieved INR 3,936 crores with 75% year-on-year growth, while profit after tax was INR 128 crores, representing 58% year-on-year growth.
Strategic Growth Framework and Future Guidance
The financial services company has set a clear roadmap for expansion without diluting existing equity. Management outlined ambitious targets during the investor conference call, emphasizing their confidence in current operations and future growth potential.
Strategic Parameter: Target/Status AUM Target: INR 10,000 crore Leverage Ratio: 3X NPA Guidance: Nil New Equity Requirement: None FY27 AUM Growth Aspiration: 35%-40% Medium-term AUM Growth: 25%-30% CAGR
Business Model and Competitive Advantages
During the conference call, management explained their supply chain finance model's inherent strengths. The company operates through a tripartite relationship between anchor, borrower, and financer, with over three-fourths of business coming from supply chain finance. The average churn cycle is 45 days, with gross disbursements for the full year crossing INR 25,000 crores.
The company maintains strict risk management through early warning systems and monitors dealer churning cycles regularly. Management emphasized their focus on short-term, invoice-backed financing with monitored end-use, contributing to their zero NPA track record.
Asset Quality and Capital Management
SG Finserve continues to maintain its non-performing assets guidance at zero levels, reflecting robust risk management practices. The company currently operates at 1.9x leverage and plans to raise it to 3x as part of its expansion strategy. With bank lines exceeding INR 3,000 crores and current equity of INR 1,481 crores, the company is well-positioned to achieve its INR 10,000 crore AUM target without requiring fresh equity.
Regulatory Compliance
Pursuant to Regulation 47 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, the company published newspaper advertisements of its audited financial results in "Financial Express" (English Edition) and "Jansatta" (Hindi Edition). The complete financial results are accessible through QR codes and weblinks provided in the advertisements.
The company also submitted the transcript of its April 16, 2026 conference call to stock exchanges on April 22, 2026, ensuring full transparency and regulatory compliance.
We’re building Scanx - to help you express your trading & investing idea, to help you analyse the markets better.
Stock Markets are the true indicator of the growth of any country's economy. We are bullish on India, we are bullish on India's prospects to be one of largest economies of the world. We believe that Stock Markets provide an unique opportunity for all Indians to participate in the growth story of India. We are enabling the same for Indians.
As financial services are becoming more accessible, there is now a large set of Indians today who are financially aware and literate. They value time and seek high quality products & services. Most screening, trading, investing platforms available today are more or less similar to each other, and they have not evolved with time. While both traders & investors have gotten smart about how they make money and build wealth, as users they have continued to use the same products, features, and platforms that were available for years with little or no innovation. We plan to change that - a technology-led platform built for super traders and long term investors.
Strong Financial Performance in Q4 FY26
The company delivered impressive financial results for the quarter and year ended March 31, 2026. The audited results showcase significant growth across key financial metrics, reflecting the company's operational efficiency and market positioning.
Financial Metric: Q4 FY26 Q4 FY25 Growth (%) Total Income from Operations: ₹10,555.26 lakhs ₹5,409.31 lakhs +95.11% Net Profit Before Tax: ₹5,620.53 lakhs ₹3,107.43 lakhs +80.85% Net Profit After Tax: ₹4,226.91 lakhs ₹2,379.30 lakhs +77.67% Total Comprehensive Income: ₹4,247.17 lakhs ₹2,379.30 lakhs +78.52%
Annual Performance Highlights
For the full year FY26, SG Finserve achieved total income from operations of ₹33,365.92 lakhs with net profit after tax reaching ₹12,785.98 lakhs. The company's earnings per share for continuing operations stood at ₹22.75 (basic) and ₹22.41 (diluted) for the year.
During the earnings conference call held on April 16, 2026, CEO Vinay Gupta highlighted the company's exceptional performance, stating that operating income reached INR 334 crores with year-on-year growth of 96%. The loan book achieved INR 3,936 crores with 75% year-on-year growth, while profit after tax was INR 128 crores, representing 58% year-on-year growth.
Strategic Growth Framework and Future Guidance
The financial services company has set a clear roadmap for expansion without diluting existing equity. Management outlined ambitious targets during the investor conference call, emphasizing their confidence in current operations and future growth potential.
Strategic Parameter: Target/Status AUM Target: INR 10,000 crore Leverage Ratio: 3X NPA Guidance: Nil New Equity Requirement: None FY27 AUM Growth Aspiration: 35%-40% Medium-term AUM Growth: 25%-30% CAGR
Business Model and Competitive Advantages
During the conference call, management explained their supply chain finance model's inherent strengths. The company operates through a tripartite relationship between anchor, borrower, and financer, with over three-fourths of business coming from supply chain finance. The average churn cycle is 45 days, with gross disbursements for the full year crossing INR 25,000 crores.
The company maintains strict risk management through early warning systems and monitors dealer churning cycles regularly. Management emphasized their focus on short-term, invoice-backed financing with monitored end-use, contributing to their zero NPA track record.
Asset Quality and Capital Management
SG Finserve continues to maintain its non-performing assets guidance at zero levels, reflecting robust risk management practices. The company currently operates at 1.9x leverage and plans to raise it to 3x as part of its expansion strategy. With bank lines exceeding INR 3,000 crores and current equity of INR 1,481 crores, the company is well-positioned to achieve its INR 10,000 crore AUM target without requiring fresh equity.
Regulatory Compliance
Pursuant to Regulation 47 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, the company published newspaper advertisements of its audited financial results in "Financial Express" (English Edition) and "Jansatta" (Hindi Edition). The complete financial results are accessible through QR codes and weblinks provided in the advertisements.
The company also submitted the transcript of its April 16, 2026 conference call to stock exchanges on April 22, 2026, ensuring full transparency and regulatory compliance.
We’re building Scanx - to help you express your trading & investing idea, to help you analyse the markets better.
Stock Markets are the true indicator of the growth of any country's economy. We are bullish on India, we are bullish on India's prospects to be one of largest economies of the world. We believe that Stock Markets provide an unique opportunity for all Indians to participate in the growth story of India. We are enabling the same for Indians.
As financial services are becoming more accessible, there is now a large set of Indians today who are financially aware and literate. They value time and seek high quality products & services. Most screening, trading, investing platforms available today are more or less similar to each other, and they have not evolved with time. While both traders & investors have gotten smart about how they make money and build wealth, as users they have continued to use the same products, features, and platforms that were available for years with little or no innovation. We plan to change that - a technology-led platform built for super traders and long term investors.