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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

₹579.70 1.85 (0.32%)

As on 05-Jun'26 10:29

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

₹579.70 1.85 (0.32%)

As on 05-Jun'26 10:29

Key Metrics
Valuation Multiples
Market Cap
₹3,808 Cr.
Current Price
₹579.7
52-Week Low / High
₹323 / 649
TTM EPS
₹19.4
Book Value per Share
₹225.9
P/E Ratio
29.83
Higher than its 5-year historical median
Industry PE
25.6
Price to Book (P/B)
2.56
Lower than its 5-year historical median
EV/EBITDA
20.40
In line with its 5-year historical median
Dividend Yield
0.00%
Profitability Efficiency
Return on Equity (ROE)
9.54%
Return on Capital Employed (ROCE)
6.83%
Return on Assets (ROA)
3.86%
Growth Momentum
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Slowing versus 3-year growth rate
10.78%
Book Value Growth (1 Year)
Slowing versus 3-year growth rate
10.74%
Asset Quality
Gross NPA(%)
0.00%
Net NPA(%)
0.00%
TTM Sales
₹333 Cr.
Reserves
₹1,423 Cr.
Equity
₹65.9 Cr.
Face Value
₹10
All Time Low / High
₹2.11 / 748.00

SG Finserve stock performance

Key Ratios
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Quality

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Valuation

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Price Trend

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Q.1 Is SG Finserve Ltd a good quality company?
SG Finserve Ltd is a weak quality company, based on a inconsistent 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.

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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.

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How does SG Finserve Ltd performance compare with that of its Peers?
Q.1 AUM Growth of SG Finserve Ltd vs Industry Peers?
SG Finserve Ltd AUM CAGR is 213.28%, compared to the 5-year industry median CAGR of 9.68%, indicating faster growth and gaining its market share.
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Q.1 Promoter shareholding and pledge status of SG Finserve Ltd?
Promoters hold 52.92% of the SG Finserve Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Q.1 Stock return of SG Finserve Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 46.6% based on the current price.
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10 Year X-Ray : Login to view analysis.

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 end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

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 not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Operating Income (₹ Cr.)3.60.41001.70.341.4190171333
YoY Gr. Rt. %--87.5%115.3%-97.9%130%3626.1%-81.6%13016.8%357.7%-9.9%-
Adj EPS (₹ ) 0.20.51.2-0.7-23.21.64.514.314.519.4
YoY Gr. Rt. %-155.6%154.4%-158.1%NANA-50.2%184.1%220.4%1.4%-
BVPS (₹ )1414.515.7151316.217.7125.4145.2160.8225.9
YoY Gr. Rt. %-3.3%8.1%-4.3%-13.3%24.2%9.7%608%15.8%10.7%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)1.33.27.4-4.1-12.7209.13.45.53.90

CAGR ⓘ

9 Years 5 Years 3 Years 1 Years
Net Interest Income53.8%417.7%715%-9.9%
Adj EPS62.8%NA109.8%1.4%
BVPS31.1%65.4%108.6%10.7%
Share Price 46.2% 196.5% -2.1% 33.6%

Key Financial Ratios

RATIOS \ YEARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%) 0000000000-
Margins
Net Profit Margin (%)2.65261.3-1721.8-2180.392.1248.444.441.447.438.3
Performance Ratios To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)1.33.27.8-4.5-14.221.69.3711.99.58.6

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Income + 411002242190171
Interest Income401002041190171
Other Income ⓘ 0000100539
Exceptional Items ⓘ 0000012100
Expenditure ⓘ + 4111111178561
Interest Expense ⓘ 000000086432
Operating Expenses ⓘ 401101141720
Provisions 0000100539
Exceptional Items ⓘ 0000000000
Profit Before Tax ⓘ 001-0-12125105110
Taxes ⓘ 000-000072629
Profit After Tax 001-0-121187981
Adjusted EPS (₹)0.20.51.2-0.7-2.03.21.64.514.314.5
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Valuation of SG Finserve - Standalone

YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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Analyst's Notes

data not found
No data found!

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Equity and Liabilities

Equity Capital +7788789518802902
Share Capital ⓘ 5555555415556
Reserves ⓘ 2232234477747846
Short term borrowings00011004939571,335
Long Term Borrowings000-0-0002558
Current Liabilities 00111005039661,342
Trade Payables0000000000
Other Liabilities-000-1-1-0-0-438-952-1,222
Total Liabilities ⓘ 77888891,0781,7782,414

Assets

Non Current Asset +556554211,6812,253
Loan Asset 000000001,6732,246
Other Non Current Asset ⓘ 5565542187
Current Asset +22332571,07797161
Current Investment00000020080
Other Current Asset22332551,0779781
Total Assets ⓘ 77888891,0781,7782,414

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Cash Flow From Operating Activity ⓘ -1-0-0-1-100-941-629-489
Cash Flow From Investing Activity ⓘ -10-0111-02-4-58
Cash Flow From Financing Activity ⓘ -0-0-000-1-01,030616554
Net Cash Flow ⓘ -2-0-0-0-00091-187

Financial Ratio

PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Operational & Financial Ratios
EPS (₹)0.200.501.20-0.70-23.201.604.5014.3014.50
DPS (₹)0000000000
BVPS (₹)1414.515.7151316.217.7125.4145.2160.8

Performance Ratios

ROA (%)1.33.27.4-4.1-12.720.09.13.45.53.9
ROE (%)1.33.27.8-4.5-14.221.69.37.011.99.5
ROCE (%)2.24.311.4-5.5-11.321.513.26.212.06.8

Valuation Parameters

Price/Book(x)1.00.00.00.20.20.02.23.82.82.5

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

SG Finserve Ltd FAQs

The current trading price of SG Finserve on 05-Jun-2026 10:29 is ₹579.7.

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 04-Jun-2026 the market cap of SG Finserve stood at ₹3,807.7 Cr

The latest P/E ratio of SG Finserve as of 04-Jun-2026 is 29.83.

The latest P/B ratio of SG Finserve as of 04-Jun-2026 is 2.56.

The 52-week high of SG Finserve is ₹649.5 and the 52-week low is ₹323.2.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of SG Finserve is ₹333 ( Cr.) .

Past 10 year’s financial track record analysis by Moneyworks4me indicates that SG Finserve Ltd is a below average 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 Strong which suggest that the price of SG Finserve Ltd is likely to Rise 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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