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Macroeconomic slowdown impact on borrowers
View Risks →Sg Finserve Ltd — Q4 FY26
SG Finserve delivered an exceptional Q4 FY26, with operating income of 334 crores (up 96% YoY) and PAT of 128 crores (up 58% YoY).
bullish
high
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SG Finserve delivered an exceptional Q4 FY26, with operating income of 334 crores (up 96% YoY) and PAT of 128 crores (up 58% YoY). AUM reached an all-time high of 3,936 crores, growing 75% YoY, driven by supply chain financing and the new factoring business. Gross disbursements crossed 25,000 crores for the year, reflecting strong digital capabilities. Management guided for 25-30% AUM CAGR over the medium term, with FY27 growth aspiration of 35-40%. ROA is expected to remain in the 4.5-5% range. The company maintains a nil NPA track record, supported by short-tenor invoice-backed lending and anchor-dealer tripartite agreements. Key risk: potential stress from macroeconomic slowdown or sector-specific disruptions, though management remains vigilant.
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AUM
3,936 Cr
+75% YoY
All-time high AUM, driven by supply chain and factoring growth.
Gross Disbursements (FY26)
25,000 Cr
N/A
Crossed benchmark, showcasing digital invoice financing capability.
Average Loan Tenor
45 days
N/A
Short cycle ensures quick churn and low credit risk.
Fee Income (Q4)
6.23 Cr
+315% QoQ
Sharp increase due to focused fee generation strategy; expected to sustain.
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Guidance and risk preview
Management expects AUM to grow 25-30% CAGR over medium to long term, with FY27 aspiration of 35-40% growth.
Potential stress from events like tariff wars or sector slowdowns could affect dealer repayment capacity.
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