SG Finserve Ltd.

Financial

	SG Finserve	Summit Securities	Spandana Sphoorty
Operational Metrics
Banking Sector
Net Interest Margin	5.5 %	n/a	10.7 %
Gross NPA	0.0	n/a	n/a
NBFC
Tier I Capital	47.43 %	n/a	n/a
AUM - NBFC	1673.0 Crs	n/a	6819.0 Crs
Capital to Risks Assets Ratio (CRAR)	47.83 %	n/a	37.1 %
Financials
5 yr Average ROE	5.2 %	0.75 %	7.01 %
5yr average Equity Multiplier	1.46	1.11	2.84
5yr Average Asset Turnover Ratio	0.08	0.01	0.19
5yr Avg Net Profit Margin	-350.78 %	67.39 %	12.11 %
5yr Avg Net Profit Margin	-350.78 %	67.39 %	12.11 %
5yr CAGR Net Profit	n/a	30.25 %	7.33 %
5yr CAGR Sales	229.29 %	32.61 %	8.58 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.14	0.22	0.78
P/E	25.22	25.75	0.0
Shareholdings
Promoter Holding	48.38 %	74.65 %	48.13 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-7.87 %	0.0	-15.46 %
Change in Mutual Fund Holding (3 Yrs)	1.59 %	0.0	0.26 %

Business

	SG Finserve	Summit Securities	Spandana Sphoorty
Product Wise Break-Up	Product Wise Break-Up Interest Income 93.93 Processing fees and documentation charges 4.01 Interest on deposits with Banks 2.06 Share of profit LLP 0 Dividend Income 0 Net Gain on Sale of Investment 0 nbfc 0 Net gain on fair value changes 0 Commission income 0 Interest income 0	Product Wise Break-Up Interest Income 9.75 Dividend 90.24 Net Gain on Sale of Investment 0 Net gain on fair value changes 0 Commission income 0 Share of profit LLP 0 0 Interest on deposits with Banks 0 Interest income 0 nbfc 0 Others 0.01	Product Wise Break-Up Interest Income 0 Dividend Income 0 Net Gain on Sale of Investment 0 Net gain on fair value changes 5.78 Commission income 0 Share of profit LLP 0 0 Interest on deposits with Banks 0 Interest Income 92.29 nbfc 0 Others 1.93
Segment Break-Up	Segment Break-Up Channel Financing 100.0	-	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Chattisgarh 0 Rajasthan 0 Bihar 0 Gujarat 0 Kerala 0 Jharkhand 0 Andhra Pradesh 0 Maharashtra 0 Karnataka 0 Madhya Pradesh 0 Odisha 0	Location Wise Break-Up India 100.0 Bihar 0 Madhya Pradesh 0 Maharashtra 0 Karnataka 0 Chattisgarh 0 Rajasthan 0 Odisha 0 Kerala 0 Andhra Pradesh 0 Jharkhand 0 Gujarat 0	Location Wise Break-Up India 0 Bihar 2.91 Madhya Pradesh 18.88 Maharashtra 10.63 Karnataka 12.84 Chattisgarh 8.8 Rajasthan 2.24 Odisha 20.6 Kerala 3.93 Andhra Pradesh 7.51 Jharkhand 5.5 Gujarat 3.22 Others 2.94

SG Finserve Ltd.

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