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SGFIN
Fundamental Score
SGFIN Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
Educational evaluation of SGFIN across key market metrics for learning purposes.
Positive Indicators
7 factors identified
Strong Operating Margins (85.52%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages. This indicates sustainable profitability potential.
Robust Profit Growth (101.13%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture. This suggests positive business trajectory.
Strong Revenue Growth (141.89%)
Observation: Healthy sales growth indicates market demand and execution capability.
Analysis: Revenue growth >15% suggests strong market position and growth potential. This indicates business expansion success.
Consistent Growth Track Record (251.23% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model and market opportunity execution over time.
Excellent EPS Growth (56.07% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential and effective capital allocation over extended periods.
Strong Profit Growth Track Record (141.99% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model and effective operational leverage over time.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral, reducing forced-selling risk.
Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.
Risk Factors
7 factors identified
Below-Average Return on Equity (8.89%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Suboptimal ROCE (6.83%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation. Review business model and competitive positioning.
Elevated Debt Levels (D/E: 1.72)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability and cash flow generation.
Negative Free Cash Flow (₹-2060.17 Cr over 5Y)
Observation: Cash outflows exceed inflows, indicating capital intensity or working capital issues.
Analysis: Negative FCF requires analysis of capital expenditure cycle and working capital management efficiency.
Limited Institutional Interest (FII+DII: 4.20%)
Observation: Low institutional participation may affect liquidity and visibility.
Analysis: Limited institutional interest may indicate size constraints or visibility issues in the investment community.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints. Assess capital allocation strategy.
High Debt-to-Equity Ratio
Observation: Elevated financial risk due to high leverage.
Analysis: High debt levels may strain cash flows and increase financial risk during economic downturns.
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Financial Statements
Comprehensive financial data for SGFIN
About SGFIN
Business Overview
SG Finserve Limited operates as a non-banking financial company in India. The company offers dealer, retail, vendor, and logistics/transporter financing services. It also provides supply chain financing and term loans services. The company was formerly known as Moongipa Securities Limited. SG Finserve Limited was incorporated in 1994 and is based in Ghaziabad, India.
Company Details
Key Leadership
SGFIN Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of SGFIN (SGFIN)?
As of 16 Jan 2026, 10:15 am IST, SGFIN (SGFIN) is currently trading at ₹395.70. The stock has a market capitalization of ₹2.28K (Cr).
Is SGFIN share price Overvalued or Undervalued?
SGFIN is currently trading at a P/E ratio of 22.75x, compared to the industry average of 22.03x. Based on this relative valuation, the stock appears to be Overvalued against its sector peers.
What factors affect the SGFIN share price?
Key factors influencing SGFIN's price include its quarterly earnings growth (Sales Growth: 141.89%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is SGFIN a good stock for long-term investment?
SGFIN shows a 5-year Profit Growth of 141.99% and an ROE of 8.89%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 1.72 before investing.
How does SGFIN compare with its industry peers?
SGFIN competes with major peers in the Non Banking Financial Company (NBFC). Investors should compare SGFIN's P/E of 22.75x and ROE of 8.89% against the industry averages to determine its competitive standing.
What is the P/E ratio of SGFIN and what does it mean?
SGFIN has a P/E ratio of 22.75x compared to the industry average of 22.03x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹23 for every ₹1 of annual earnings.
How is SGFIN performing according to Bull Run's analysis?
SGFIN has a Bull Run fundamental score of 61.6/100, which indicates moderate strength with some areas for improvement. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does SGFIN belong to?
SGFIN operates in the Non Banking Financial Company (NBFC) industry. This classification helps understand the competitive landscape and sector-specific trends affecting SGFIN.
What is Return on Equity (ROE) and why is it important for SGFIN?
SGFIN has an ROE of 8.89%, which suggests challenges in generating returns from shareholders' equity. Return on Equity measures how efficiently SGFIN generates profits from shareholders' equity.
How is SGFIN's debt-to-equity ratio and what does it indicate?
SGFIN has a debt-to-equity ratio of 1.72, which indicates high leverage that increases financial risk. A ratio below 1.0 generally indicates conservative financing.
What is SGFIN's dividend yield and is it a good dividend stock?
SGFIN offers a dividend yield of 0.00%, which means you receive ₹0.00 annual dividend for every ₹100 invested.
How has SGFIN grown over the past 5 years?
SGFIN has achieved 5-year growth rates of: Sales Growth 251.23%, Profit Growth 141.99%, and EPS Growth 56.07%.
What is the promoter holding in SGFIN and why does it matter?
Promoters hold 48.38% of SGFIN shares, with 0.00% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is SGFIN's market capitalization category?
SGFIN has a market capitalization of ₹2284 crores, placing it in the Small-cap category.
How volatile is SGFIN stock?
SGFIN has a beta of N/A. A beta > 1 suggests the stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for SGFIN?
SGFIN has a 52-week high of ₹N/A and low of ₹N/A.
What is SGFIN's operating profit margin trend?
SGFIN has a 5-year average Operating Profit Margin (OPM) of 85.52%, indicating the company's operational efficiency.
How is SGFIN's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of 141.89% and YoY Profit Growth of 101.13%.
What is the institutional holding pattern in SGFIN?
SGFIN has FII holding of 0.17% and DII holding of 4.03%. Significant institutional holding often suggests professional confidence in the stock.