SG Finserve Ltd - Stock Valuation and Financial Performance

BSE: 539199 | NSE: | Finance - NBFC | Small Cap

SG Finserve Share Price

363.20 6.10 1.71%
as on 12-Feb'25 16:59

DeciZen - make an informed investing decision on SG Finserve

Overall Rating
Bole Toh

1. Quality

2. Valuation

Fair

3. Price Trend

SG Finserve stock performance -

P/E Ratio (SA):
25.06
Market Cap:
2,030.1 Cr.
52-wk low:
325
52-wk high:
546

Is SG Finserve Ltd an attractive stock to invest in?

1. Is SG Finserve Ltd a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that SG Finserve Ltd is a below average quality company.

2. Is SG Finserve Ltd undervalued or overvalued?

The key valuation ratios of SG Finserve Ltd's currently when compared to its past seem to suggest it is in the Fair zone.

3. Is SG Finserve Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of SG Finserve Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

10 Year X-Ray of SG Finserve:

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'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Operating Income (₹ Cr.)5.93.60.4100.11.70.341.5190171
YoY Gr. Rt. %--39.7%-87.6%118.2%-97.9%150%3320%-81.3%12853.1%357.7%-
Adj EPS (₹ ) 0.50.20.51.2-0.7-23.21.64.514.314.5
YoY Gr. Rt. %--61.7%155.6%154.4%-158.1%NANA-50.2%184.1%220.4%-
BVPS (₹ )13.91414.515.7151316.217.7125.4145.2157.5
YoY Gr. Rt. %-1.3%3.3%8.1%-4.3%-13.3%24.2%9.7%608%15.8%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)3.21.33.27.4-4.1-12.7209.13.45.50

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income47.1%524.3%380.5%357.7%
Adj EPS46.1%NA65.5%220.4%
BVPS29.8%57.5%108%15.8%
Share Price - 164.6% 117.8% -23.2%

Key Financial Ratios

RATIOS \ YEARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
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 (%)42.65261.3-1721.8-2180.392.1248.444.441.447.4
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)3.51.33.27.8-4.5-14.221.69.3711.99.2

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 9.60%

Total Income has increased 380.51 CAGR in last 3 years

Net Profit has increased 65.54 CAGR in last 3 years

Total income growth is not so good in last 4 quarters

No data to display

Latest Financials - SG Finserve Ltd.

Standalone Consolidated
TTM EPS (₹) 14.5 -
TTM Sales (₹ Cr.) 171 -
BVPS (₹.) 157.5 -
Reserves (₹ Cr.) 824 -
P/BV 2.31 -
PE 25.06 -
From the Market
52 Week Low / High (₹) 325.00 / 546.00
All Time Low / High (₹) 2.11 / 748.00
Market Cap (₹ Cr.) 2,030
Equity (₹ Cr.) 55.9
Face Value (₹) 10
Industry PE 27.1

Quarterly Results

 Mar'24 YoY Gr. Rt. %Jun'24 YoY Gr. Rt. %Sep'24 YoY Gr. Rt. %Dec'24 YoY Gr. Rt. %
Operating Income0.5 65.50.4 76.20.4 32.10.4 2.7
Adj EPS (₹)0.65 132.10.11 4500.11 -64.50.11 -26.7
Net Profit Mgn %40.50 1119 bps8.56 527 bps9.21 -2389 bps8.51 -375 bps

Management X-Ray of SG Finserve:

Shareholding Pattern

JavaScript chart by amCharts 3.21.5
JavaScript chart by amCharts 3.21.5Promoters:48.38%Institutions:1.96%Non-Institutions:49.66%

Promoter's Holding & Share Pledging

JavaScript chart by amCharts 3.21.5Sep22Dec22Mar23Jun23Sep23Dec23Mar24Jun24Sep24Dec240%20%40%60%80%
Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Valuation of SG Finserve

MRP
spaceLock icon
MOS
spaceLock icon%
DP
spaceLock icon
Base BVPS
spaceLock icon
DPS
spaceLock icon
MRP: ₹ 0
DP: ₹0
Base BVPS ₹:
DPS ₹:
MOS (%):
Save my Valuation
Expected BVPS Growth Rate:
0%
Base 0%
30%
Expected Rate of Return:
0%
Base 0%
30%
Future PBV:
0
Base 0
40
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max

Event Update

Login/Register to view analysis.

Analyst's Notes

No data found!

Key Ratios of SG Finserve

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Company Name CMP(₹)
Change ₹(%)
Market Cap
Net Sales (₹ Cr.)
Latest EPS (₹)
Net Profit Margin %
Latest P/E
Latest P/BV
Piramal Enterprises 978.3 19.6 (2%) Small Cap 10,020 23.1 -16.8 42.4 0.8
Edelweiss Financial 105.4 -3.8 (-3.5%) Small Cap 9,500 4.9 5.6 21.6 1.9
Manappuram Finance 191.7 -5.7 (-2.9%) Small Cap 8,848 26.7 24.8 7.2 1.3
CreditAccess Grameen 998.1 2.8 (0.3%) Small Cap 5,167 55.2 28 18.1 2.3
Spandana Sphoorty 313.9 -12.7 (-3.9%) Small Cap 2,424 -66.2 20.7 - 0.7
Fusion Finance 172.5 0.9 (0.5%) Small Cap 2,317 -8.1 21.8 - 0.7
Muthoot Microfin 147.5 -3.7 (-2.5%) Small Cap 2,270 17.5 19.8 8.4 0.8
Five Star Business 698.8 -1.8 (-0.3%) Small Cap 2,183 35 38.3 20 3.4
Northern ARC Capital 182 -2.3 (-1.2%) Small Cap 1,829 17.4 15.3 10.5 0.9
Fedbank Financial 91.8 -1 (-1.1%) Small Cap 1,577 5.9 15.5 15.5 1.4
Shows rows:

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Income6411002242190
Interest Income6401002041190
Other Income 1000001210
Expenditure 641111111785
Interest Expense 00000000864
Operating Expenses 64011011417
Provisions 0000010053
Exceptional Items 0000000000
Profit Before Tax 00010-12125105
Taxes 00000000726
Profit After Tax 00010-1211879
Adjusted EPS (₹)0.50.20.51.2-0.7-2.03.21.64.514.3
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Equity and Liabilities

Equity Capital77788789518802
Share Capital 555555554155
Reserves 22232234477747
Minority Interest0000000000
Long Term Borrowings0000000021
Current Liabilities 10011100503970
Trade Payables0000000000
Short term borrowings10001100493957
Other Liabilities-1000-1-100-438-952
Total Liabilities 877888891,0781,778

Assets

Non Current Asset 3556554212
Loan Asset 0000000000
Other Non Current Asset 3556554212
Current Asset 522332571,0771,776
Current Investment0000000200
Other Current Asset522332551,0771,776
Total Assets 877888891,0781,778

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Cash Flow From Operating Activity 0-100-1-100-941-565
Cash Flow From Investing Activity -1-10011102-1
Cash Flow From Financing Activity 000000-101,030552
Net Cash Flow -1-200000091-14
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Operational & Financial Ratios

EPS (₹)0001-1-232414
DPS (₹)0000000000
BVPS (₹)1414151615131618125145

Performance Ratios

ROA (%)3.21.33.27.4-4.1-12.720.09.13.45.5
ROE (%)3.51.33.27.8-4.5-14.221.69.37.011.9
ROCE (%)4.82.24.311.4-5.5-11.321.513.26.212.0

Valuation Parameters

Price/Book(x)0.01.00.00.00.20.20.02.23.82.8

SG Finserve Ltd Stock News

SG Finserve Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of SG Finserve on 12-Feb-2025 16:59 is ₹363.2.
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 12-Feb-2025 16:59 the market cap of SG Finserve stood at ₹2,030.1.
The latest P/E ratio of SG Finserve as of 12-Feb-2025 16:59 is 25.06.
The latest P/B ratio of SG Finserve as of 12-Feb-2025 16:59 is 2.31.
The 52-week high of SG Finserve is ₹546.0 and the 52-week low is ₹325.0.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of SG Finserve is ₹170.9 ( Cr.) .

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.

Read More Read Less
You have 2 views remaining as a Guest User. To get DeciZen Rating of 3,500+ Stocks based on their Quality, Valuation and Price Trend Login Now
© 2025 The Alchemists Ark Pvt. Ltd. All rights reserved. MoneyWorks4Me ® is a registered trademark of The Alchemists Ark Pvt. Ltd.
Loading...
Hold on