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SG Finserve Ltd (SGFIN)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 539199 NSE: SGFIN Finance - NBFC | Small Cap | SG Finserve Share Price
₹649.45 -11.45 (-1.73%)
As on 12-Aug'26 16:59
SG Finserve Ltd (SGFIN)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 539199 NSE: SGFIN Finance - NBFC | Small Cap | SG Finserve Share Price
₹649.45 -11.45 (-1.73%)
As on 12-Aug'26 16:59
Key Metrics
Valuation Multiples
Market Cap
₹4,355 Cr.
Current Price
₹649.5
52-Week Low / High
₹323 / 728
TTM EPS
₹23.8
Book Value per Share
₹232.5
P/E Ratio
27.77
In line with its 5-year historical median
Industry PE
28.3
Price to Book (P/B)
2.84
In line with its 5-year historical median
EV/EBITDA
18.34
Lower than its 5-year historical median
Dividend Yield
0%
Profitability Efficiency
Return on Equity (ROE)
10.87%
Return on Capital Employed (ROCE)
9.32%
Return on Assets (ROA)
3.84%
Growth Momentum
1-yr vs 3-yr growth
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Slowing versus 3-year growth rate
44.17%
Book Value Growth (1 Year)
Improving versus 3-year growth rate
38.14%
Asset Quality
Gross NPA(%)
0.00%
Net NPA(%)
0.00%
TTM Sales
₹403 Cr.
Reserves
₹1,466 Cr.
Equity
₹65.9 Cr.
Face Value
₹10
All Time Low / High
₹2.11 / 748.00
Check Before You Invest
Quality
Very GoodValuation
FairCheck Valuation charts
Price Trend
Semi Strong
Is SG Finserve Ltd a good quality company?
SG Finserve Ltd is a good quality company, based on a consistently good multi-year financial track record.
This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.
We have analysed the performance of the company on the following:
-
How has it performed on generating Profits?
By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.
-
How efficiently has it grown and managed operations?
By checking its Total Asset growth.
-
How strong is its Capital position and Asset Quality?
By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.
How does SG Finserve Ltd performance compare with that of its Peers?
AUM Growth of SG Finserve Ltd vs Industry Peers?
SG Finserve Ltd AUM CAGR is 250.22%, compared to the 5-year industry median CAGR of 9.82%, indicating faster growth and gaining its market share.
Promoter shareholding and pledge status of SG Finserve Ltd?
Promoters hold 56.95% of the SG Finserve Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Stock return of SG Finserve Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 47.6% based on the current price.
DeciZen - make an informed investing decision on SG Finserve
Decision Maker
Standalone basis
1. Right Stock
10 Year X-ray Pro
Long Term Prospect
2. Right Price
3. Right Time ⓘ
#Likely Future 5 Year CAGR.
10 Year X-Ray :
Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year endData adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
What is a Financial Track Record? How to read this chart in order to understand the data present here?
Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
SG Finserve Ltd has performed well in majority of the past ten years indicating its past ten year financial track record is very good
| Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 0.4 | 1 | 0 | 0 | 1.7 | 0.3 | 41.4 | 190 | 170 | 333 | 403 | |
| YoY Gr. Rt. % | - | 115.3% | -97.9% | 130% | 3626.1% | -81.6% | 13016.8% | 357.7% | -10.4% | 96.2% | - | |
| Adj EPS (₹ ) | 0.5 | 1.2 | -0.7 | -2 | 3.2 | 1.6 | 4.5 | 14.3 | 14.5 | 19.6 | 23.8 | |
| YoY Gr. Rt. % | - | 154.4% | -158.1% | NA | NA | -50.2% | 184.1% | 220.4% | 1.4% | 35% | - | |
| BVPS (₹ ) | 14.5 | 15.7 | 15 | 13 | 16.2 | 17.7 | 125.4 | 145.2 | 160.8 | 222.2 | 232.5 | |
| YoY Gr. Rt. % | - | 8.1% | -4.3% | -13.3% | 24.2% | 9.7% | 608% | 15.8% | 10.7% | 38.1% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 3.2 | 7.4 | -4.1 | -12.7 | 20 | 9.1 | 3.4 | 5.5 | 3.9 | 3.8 | 0 | |
CAGR ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 108.7% | 186.9% | 100.4% | 96.2% | ||||
| Adj EPS | 51.7% | 44.1% | 63.7% | 35% | ||||
| BVPS | 35.4% | 68.9% | 21% | 38.1% | ||||
| Share Price | 47.8% | 165.5% | 4.6% | 69.8% | ||||
Key Financial Ratios
| RATIOS \ YEARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Quality Ratio | To view Asset Quality Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Net NPA to Net Advances (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Capitalization Ratio | To view Capitalization Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Capital Adequacy Ratio (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Margins | ||||||||||||
| Net Profit Margin (%) | 52 | 61.3 | -1721.8 | -2180.3 | 92.1 | 248.4 | 44.4 | 41.4 | 47.7 | 38.3 | 39 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 3.2 | 7.8 | -4.5 | -14.2 | 21.6 | 9.3 | 7 | 11.9 | 9.5 | 10.9 | 10.2 | |
Valuation of SG Finserve - Standalone
Analyst's Notes
No data found!
Management X-Ray
Shareholding Pattern
Promoter's Holding & Share Pledging
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
* Pledged shares as % of Promoter's holding (%)
Financials
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income + | 1 | 1 | 0 | 0 | 2 | 2 | 42 | 190 | 170 | 334 |
| Exceptional Items ⓘ | 0 | 0 | 0 | 0 | 1 | 2 | 1 | 0 | 0 | 0 |
| Expenditure ⓘ + | 1 | 1 | 1 | 1 | 1 | 1 | 17 | 85 | 60 | 162 |
| Exceptional Items ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax ⓘ | 0 | 1 | -0 | -1 | 2 | 1 | 25 | 105 | 110 | 172 |
| Taxes ⓘ | 0 | 0 | -0 | 0 | 0 | 0 | 7 | 26 | 29 | 44 |
| Profit After Tax | 0 | 1 | -0 | -1 | 2 | 1 | 18 | 79 | 81 | 128 |
| Adjusted EPS (₹) | 0.5 | 1.2 | -0.7 | -2.0 | 3.2 | 1.6 | 4.5 | 14.3 | 14.5 | 19.6 |
| Dividend Payout Ratio (%) | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Equity Capital + | 7 | 8 | 8 | 7 | 8 | 9 | 518 | 802 | 902 | 1,453 |
| Short term borrowings | 0 | 0 | 1 | 1 | 0 | 0 | 493 | 957 | 1,387 | 83 |
| Long Term Borrowings | 0 | 0 | -0 | -0 | 0 | 0 | 2 | 5 | 28 | 2,664 |
| Current Liabilities | 0 | 1 | 1 | 1 | 0 | 0 | 503 | 966 | 1,392 | 91 |
| Trade Payables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 0 | 0 | -1 | -1 | -0 | -0 | -438 | -952 | -1,275 | -76 |
| Total Liabilities ⓘ | 7 | 8 | 8 | 8 | 8 | 9 | 1,078 | 1,778 | 2,434 | 4,215 |
Assets | ||||||||||
| Non Current Asset + | 5 | 6 | 5 | 5 | 4 | 2 | 1 | 1,681 | 2,274 | 3,973 |
| Current Asset + | 2 | 3 | 3 | 2 | 5 | 7 | 1,077 | 97 | 160 | 242 |
| Total Assets ⓘ | 7 | 8 | 8 | 8 | 8 | 9 | 1,078 | 1,778 | 2,434 | 4,215 |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ | -0 | -0 | -1 | -1 | 0 | 0 | -941 | -629 | -492 | -1,571 |
| Cash Flow From Investing Activity ⓘ | 0 | -0 | 1 | 1 | 1 | -0 | 2 | -4 | -56 | 61 |
| Cash Flow From Financing Activity ⓘ | -0 | -0 | 0 | 0 | -1 | -0 | 1,030 | 616 | 554 | 1,632 |
| Net Cash Flow ⓘ | -0 | -0 | -0 | -0 | 0 | 0 | 91 | -18 | 6 | 121 |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
Operational & Financial Ratios | ||||||||||
| EPS (₹) | 0.50 | 1.20 | -0.70 | -2 | 3.20 | 1.60 | 4.50 | 14.30 | 14.50 | 19.60 |
| DPS (₹) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| BVPS (₹) | 14.5 | 15.7 | 15 | 13 | 16.2 | 17.7 | 125.4 | 145.2 | 160.8 | 222.2 |
Performance Ratios | ||||||||||
| ROA (%) | 3.2 | 7.4 | -4.1 | -12.7 | 20.0 | 9.1 | 3.4 | 5.5 | 3.9 | 3.8 |
| ROE (%) | 3.2 | 7.8 | -4.5 | -14.2 | 21.6 | 9.3 | 7.0 | 11.9 | 9.5 | 10.9 |
| ROCE (%) | 4.3 | 11.4 | -5.5 | -11.3 | 21.5 | 13.2 | 6.2 | 12.0 | 6.8 | 9.3 |
Valuation Parameters | ||||||||||
| Price/Book(x) | 0.0 | 0.0 | 0.2 | 0.2 | 0.0 | 2.2 | 3.8 | 2.8 | 2.5 | 1.9 |
Top 5 Mutual Funds Holding
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Announcements
SG Finserve Ltd FAQs
The current trading price of SG Finserve on 12-Aug-2026 16:59 is ₹649.5.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 11-Aug-2026 the market cap of SG Finserve stood at ₹4,355 Cr
The latest P/E ratio of SG Finserve as of 11-Aug-2026 is 27.77.
The latest P/B ratio of SG Finserve as of 11-Aug-2026 is 2.84.
The 52-week high of SG Finserve is ₹728.1 and the 52-week low is ₹323.2.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of SG Finserve is ₹403 ( Cr.) .
Past 10 year's financial track record analysis by Moneyworks4me indicates that SG Finserve Ltd is a good quality company.
The key valuation ratios of SG Finserve Ltd's currently when compared to its past seem to suggest it is in the Fair zone.
The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of SG Finserve Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.
About SG Finserve Ltd
SG Finserve (formerly known as Moongipa Securities) established in 1994 and was a SEBI registered Broker which ceased to be as such in the year 2008. Thereafter, the company started carrying out the operation of trading into the equity shares of the listed companies with its own funds. Then, in the year 2018, the company applied for the registration as Non-Banking Financial Institution with the Reserve Bank of India and has obtained the certificate on May 16, 2018.
The equity shares of the Company are currently listed on BSE. It is to be noted that before listing at BSE, the shares were also listed on Delhi Stock Exchange, Jaipur Stock Exchange and Ahmadabad stock Exchange
Business area of the company
The company is engaged in the business of investing activities, investment research, investment banking and wealth management.
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