SG Finserve Q2 FY27 earnings call: record PAT, loan book at all-time high
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Q2 FY27 earnings call transcript filed. All-time high quarterly PAT of INR59 crore, loan book at all-time high of INR5,700 crore. H1 PBT doubled year on year to INR150 crore. Nil NPAs maintained, ROA above 4.5 percent, ROE at 15 percent. Reiterated 30-35 percent AUM and 35-40 percent PAT CAGR guidance. Full year PAT may exceed INR225 crore target. Leverage cap raised from 3x to 4x, AUM target INR11,000 crore in 2-3 years. Plans include GIFT City subsidiary, Cat III AIF, and digital lending scale up. CRISIL rating upgraded to AA-.
Strong Q2 print and upgraded multi-year guidance signal confident growth; higher leverage cap and new subsidiaries add execution risk but support expansion.