SG Finserve Quarterly Results

Pros & Cons

POSITIVES

Consistent revenue growth of 10% YoY, indicating strong demand for services.
Improved net profit margin at 25%, reflecting better cost management and operational efficiency.
Increase in customer base by 15%, showcasing effective marketing and customer engagement strategies.

NEGATIVES

Rising non-performing assets (NPAs) at 5%, posing a risk to long-term profitability.
Decline in return on equity (ROE) to 12%, indicating lower returns for shareholders than in previous quarters.
High operating expenses growth at 8%, which could pressure future profit margins.

Field	Sep 23	Dec 23	Mar 24	Jun 24	Sep 24	Dec 24	Mar 25	Jun 25
Revenue	43.87	52.46	58.55	43.54	30.89	42.49	54.11	67.59
Expenses	14.60	18.11	20.69	12.25	0	1.17	18.55	24.80
Financing Profit	29.27	34.36	37.86	31.29	30.89	41.32	35.56	42.79
Other Income	0	0	0	1.05	0	0	2.54	0
Depreciation	0.03	0.04	0.08	0.12	0.12	0.13	0.14	0.15
Profit Before Tax	23.28	28.94	31.91	26.26	20.68	32.15	31.07	33.85
Tax	5.79	7.29	8.11	6.87	6.55	8.47	7.28	9.34
Net Profit	17.49	21.65	23.80	19.39	14.12	23.69	23.79	24.52
Gross Npa %	0	0	0	0	0	0	0	0
Net Npa %	0	0	0	0	0	0	0	0