Annual Results 2025
SGFIN · price
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SG Finserve, an NBFC, reported annual results for FY25 with revenue from operations declining about 9.8% to Rs. 17,103.83 lakhs (vs Rs. 18,971.94 lakhs in FY24), mainly due to lower interest income. Despite the revenue dip, profit after tax edged up modestly to Rs. 8,099.02 lakhs (vs Rs. 7,858.48 lakhs), though EPS slipped to Rs. 14.54 from Rs. 15.72. The loan book grew strongly by 34% to Rs. 2,24,604.60 lakhs, and net worth rose to Rs. 1,01,477.73 lakhs. The auditor flagged an 'Emphasis of Matter' regarding an RBI monetary penalty for non-compliance with the company's Certificate of Registration conditions; however, the overall audit opinion remains clean (unmodified). The board also approved new Secretarial and Internal Auditors and announced plans to list shares on NSE in addition to BSE.
Mixed for shareholders: shrinking top line is a concern but profits held up on lower costs, while aggressive loan growth and a healthy capital adequacy ratio (43.6%) suggest balance-sheet strength. The RBI penalty disclosure is a minor red flag but not severe, and the planned NSE listing could improve trading liquidity for shareholders.