SG Finserve Ltd. Fundamental Analysis (BSE: SGFIN.BO)
SG Finserve Ltd. Fundamental Analysis (BSE: SGFIN.BO)
SG Finserve Ltd. (BSE: SGFIN.BO) shows moderate financial fundamentals with a PE ratio of 26.22, profit margin of 39.02%, and ROE of 13.27%. The company generates $3.4B in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of -521.6/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze SGFIN.BO's fundamental strength across five key dimensions:
Efficiency Score
WeakSGFIN.BO struggles to generate sufficient returns from assets.
Valuation Score
ModerateSGFIN.BO shows balanced valuation metrics.
Growth Score
ModerateSGFIN.BO shows steady but slowing expansion.
Financial Health Score
ModerateSGFIN.BO shows balanced financial health with some risks.
Profitability Score
WeakSGFIN.BO struggles to sustain strong margins.
Key Financial Metrics
Is SGFIN.BO Expensive or Cheap?
P/E Ratio
SGFIN.BO trades at 26.22 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, SGFIN.BO's PEG of 0.37 indicates potential undervaluation.
Price to Book
The market values SG Finserve Ltd. at 3.12 times its book value. This suggests the stock is fully valued or overvalued on an asset basis.
EV/EBITDA
Enterprise value stands at 3.90 times EBITDA. This is generally considered low.
How Well Does SGFIN.BO Make Money?
Net Profit Margin
For every $100 in sales, SG Finserve Ltd. keeps $39.02 as profit after all expenses.
Operating Margin
Core operations generate 85.38 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $13.27 in profit for every $100 of shareholder equity.
ROA
SG Finserve Ltd. generates $3.76 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
SG Finserve Ltd. generates limited operating cash flow of $-16.94B, signaling weaker underlying cash strength.
Free Cash Flow
SG Finserve Ltd. generates weak or negative free cash flow of $-16.95B, restricting financial flexibility.
FCF Per Share
Each share generates $-303.23 in free cash annually.
FCF Yield
SGFIN.BO converts -50.96% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
26.22
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.37
vs 25 benchmark
P/B Ratio
Price to book value ratio
3.12
vs 25 benchmark
P/S Ratio
Price to sales ratio
9.68
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.85
vs 25 benchmark
Current Ratio
Current assets to current liabilities
1.57
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.13
vs 25 benchmark
ROA
Return on assets percentage
0.04
vs 25 benchmark
ROCE
Return on capital employed
0.22
vs 25 benchmark
How SGFIN.BO Stacks Against Its Sector Peers
| Metric | SGFIN.BO Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 26.22 | 21.06 | Worse (Expensive) |
| ROE | 13.27% | 651.00% | Weak |
| Net Margin | 39.02% | -599.00% (disorted) | Strong |
| Debt/Equity | 1.85 | 0.88 | Weak (High Leverage) |
| Current Ratio | 1.57 | 887.27 | Neutral |
| ROA | 3.76% | 6570.00% | Weak |
SGFIN.BO outperforms its industry in 1 out of 6 key metrics, particularly excelling in Net Margin, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews SG Finserve Ltd.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical