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NIFTY 5024,980.40+0.35%
SENSEX81,720.10+0.28%
NIFTY SHARIAH 254,850.15+0.42%
GOLD 24K (10g)₹75,420+0.38%
SILVER (1kg)₹88,400-0.12%
ACTIVE IPOS8 Open+38% GMP
TCS₹4,124.50+1.18%
INFY₹1,892.40+1.22%
USD/INR₹83.92-0.04%
SG Finserve Limited

SG Finserve Limited

NSE: SGFIN
Capital MarketsFinancial ServicesSMALL CAPMCap ₹4.45k Cr
₹676.05₹30.15 (+4.67%)

Market Closed • NSE

Market cap₹4.45k Cr
Enterprise value₹6.72k Cr
P/E TTM27.45
P/B3.02
EPS TTM₹24.63
D/E1.85
Dividend yield0.00%
52W high₹727.45
52W low₹323.00
Price chart(1Y)
1Y Return:+18.53% (+₹105.70)
H: ₹727.45L: ₹561.1
1W-0.28%
1M+0.60%
3M+12.03%
6M+30.84%
1Y+84.18%
Today at a glance

Day range

₹639.30₹688.80

52 week range

₹323.00₹727.45
Volume844.3K1.97x 20D avg
Free float50.00%+96.90% volume

SG Finserve Limited closed at INR676.05 (+4.67%) on volume 1.97x its 20-day average, trading 7.07% below its 52-week high.

Technical analysis
RSI (14)58.5Neutral (30–70)
MACDBULLISHBullish (Above signal)
ATR (14)₹28.29High
SMA 20₹632.43BULLISH
SMA 50₹661.80BULLISH
SMA 100₹639.49BULLISH
SMA 200₹540.05BULLISH
CPR bottom₹654.33
Pivot₹651.52
CPR top₹648.71
What changed recently?

2026-Q1

Q1 FY2026 Financial Results

PAT moved +30.2% QoQ

Shariah audit
Methodology: AAOIFI Shariah Standard No. 21
FAIL3/4 criteria
Non-Compliant (Business Activity)
CriteriaNumeratorDenominatorValueThresholdStatus
Interest-bearing debt ratio₹2.70k Cr₹4.45k Cr60.70%≤ 33%FAIL
Non-halal income ratio₹2.8 Cr₹330.3 Cr0.84%≤ 5%PASS
Illiquid assets ratio₹4.02k Cr₹4.17k Cr96.37%≥ 20%PASS
Receivables ratio–₹4.17k Cr—≤ 49%PASS
Valuation & sector context
MetricCompanySector
P/E27.4517.10
Forward P/E——
P/B3.021.60
EV/EBITDA—18.00
PEG—0.50
Earnings yield3.605.80
Growth & profitability
RevenuePAT
FY23PAT margin 46.10%
FY24PAT margin 42.30%
FY25PAT margin 48.60%
FY26PAT margin 38.70%

Revenue and PAT bars use independent scales to make their year-on-year direction readable.

Revenue CAGR 3Y+102.30%
Revenue CAGR 5Y—
PAT CAGR 3Y+90.70%
PAT CAGR 5Y—
Operating margin92.31%
Net margin39.01%
Financial health & cash flow
Net debt₹2.55k CrModerate
Interest coverage2.30xEBIT / interest
CFO / PAT-9.37x3Y average
Net debt / EBITDA—Leverage
Operating cash flow₹-157148.4 Lakh
Capital expenditure–
Free cash flow₹-157252.8 Lakh
Financial statements

Complete reported financial history · Values use the company's reporting currency

Hover over the chart for exact reported values. Percentage lines use the right-hand axis.

Fundamental scorecard
Overall53/100
Valuation60/100
Profitability50/100
Financial health50/100

A 0–100 quantitative summary of reported fundamentals. Use the underlying financials and risks for context; the score is not a buy or sell recommendation.

Strengths, risks & investment thesis

Strengths

Established operational history in the sector

Active institutional participation

Risks

Elevated Leverage Burden: Debt-to-Equity stands at 1.85x

Bull case

Market Leadership: Established operational scale in Capital Markets.

Bear case

Macro Headwinds: Fluctuations in interest rates and sector-specific policy shifts could compress multiples.

Flip condition

Sustained quarterly EBITDA margin expansion above 20% would trigger an upgrade.

Shareholding pattern
Quarterly ownership historyLatest valid period · December 2025

Ownership distribution

Dec 2025Latest holding

Category trends

Hover over a period for exact holdings

60%40%20%0%Sept 2024Dec 2024Jun 2025Sept 2025Dec 2025
2.38%Institutional holding
49.25%Public holding
5Periods available
0.00%Promoter pledged
17.26KShareholders
Delivery participation

Traded volume and delivery percentage across the latest 20 sessions

Average delivery (20D)48.73%+6.06% latest vs average
Highest delivery63.41%on 11 Sept
Average volume (20D)436.5KTrading-session average
Conviction trendStrengthening+6.06% latest reading
Traded volumeDelivery %
Peer comparison

Compare valuation, latest quarterly performance and year-on-year growth

8 companies
Company nameMarket cap ₹ CrP/E ratioDividend yield %Quarterly sales ₹ CrProfit after tax ₹ CrSales growth %Profit growth %
HDFC Bank Limited
HDFC Bank LimitedHDFCBANK
Open analysis
₹10.90L15.461.88%₹46,355.55₹19,059.72-45.69%+17.23%
ICICI Bank Limited
ICICI Bank LimitedICICIBANK
Open analysis
₹9.73L17.520.89%₹32,960.41₹16,276.00-35.98%+12.59%
State Bank of India
State Bank of IndiaSBIN
Open analysis
₹8.85L10.281.85%₹62,915.13₹25,121.00-29.09%+13.56%
Bajaj Finance Limited
Bajaj Finance LimitedBAJFINANCE
Open analysis
₹5.97L29.480.56%₹13,929.00₹6,081.00+17.62%+27.62%
Life Insurance Corporation of India
Life Insurance Corporation of IndiaLICI
Open analysis
₹4.99L8.302.64%₹2.40L₹13,584.00+6.76%+24.00%
Kotak Mahindra Bank Limited
Kotak Mahindra Bank LimitedKOTAKBANK
Open analysis
₹4.39L21.620.15%₹11,266.63₹5,480.00-41.22%+22.54%
Axis Bank Limited
Axis Bank LimitedAXISBANK
Open analysis
₹3.92L14.160.08%₹21,381.52₹7,114.00-3.52%+22.53%
Bajaj Finserv Ltd.
Bajaj Finserv Ltd.BAJAJFINSV
Open analysis
₹2.78L27.540.08%₹42,036.90—+39.05%—
About SG Finserve Limited
SG Finserve Limited

Incorporated in 1994, Moongipa Securities Ltd is in the business of Investing Activities, Investment Research, Investment Banking and Wealth Management

IndiaFinancial Services

Questions investors ask
Is SG Finserve Limited Shariah compliant?

SG Finserve Limited is currently screened as Non-Compliant (Business Activity) under AAOIFI Shariah Standard No. 21. Business activity in non-permissible sector: /\bfinancial services\b/i Debt to Market Cap (60.7%) exceeds AAOIFI threshold (≤ 33%).

What is SG Finserve Limited's current valuation relative to peers?

SG Finserve Limited trades at a P/E of 27.4x compared to the sector median of 17.1x, and a Price-to-Book of 3.0x.

Is the company financially healthy?

The company has a Debt-to-Equity ratio of 1.85x. Interest coverage is 2.3x.

What are the historical revenue and profit growth rates?

Over the past 5 years, revenue compounded at steady rates while net profit growth averaged consistent levels.

Market data is informational and may be delayed. Shariah screening follows the displayed methodology. This is not investment advice.

Market data may be delayed. Quote date: 2026-10-09. Financial figures relate to their stated reporting periods. This information is for research and is not a recommendation to buy or sell.