SG Finserve Limited — Q2FY27 earnings call summary

Filed 21 October 2026 · Official transcript

Q2 FY27 PAT reached INR59 crores, highest quarterly profit; loan book at INR5,700 crores
H1 FY27 PBT doubled y-y to INR150 crores; 30%-35% AUM CAGR and 35%-40% PAT CAGR guidance maintained
Digital lending book at INR121 crores; expected to be 10% of AUM in 2-3 years
New subsidiary in GIFT City to target overseas supply chain financing
Supply chain financing contributes ~70% of AUM; digital lending and factoring scaled up
Leverage increased to 3.7x debt-to-equity; board approved raising leverage to 4x
Nil NPA maintained; collection efficiency 99.5% month-on-month
CRISIL ratings upgraded to AA- long-term and A1+ short-term