| Revenue growth | Consolidated revenue up 10% YoY to ₹753 crore in Q3 FY26. |
|---|---|
| Margins | Stable consolidated NIM at 14.25% despite slightly lower gross yields. |
| Demand visibility | Positive rural outlook supported by good monsoon and rising digital aspirations. |
| Management confidence | Balanced; cautious on MFI sector but confident in subsidiary diversification strategy. |
Growth
AUM grew 7% YoY to ₹11,482 crore; consolidated AUM up 10% with strong subsidiary performance.
Outlook
FY26 credit cost guided to ~4.0% versus 4.6% in FY25; MFI growth target 10-15%.
Risks
Industry-wide microfinance headwinds and high balance sheet liquidity (₹2,283 Cr) are currently dragging on ROE/ROA.
Last quarter's promises, checked
Delivered
- Guided 10-15% AUM growth → delivered 10% (= BEAT)
- Guided credit cost reduction from 4.6% → delivered 4.52% 9M FY26 (= BEAT)
- Guided subsidiary growth 40-50% → delivered 58.4% for Satin Finserv (= BEAT)
Partly delivered
- Guided credit cost target 4.0% → delivered 4.23% for Q3 (= PARTIAL)
Earnings Call filed with NSE, NSE: SATIN. Summary written with AI assistance from the document.
Satin Creditcare Network Ltd: key numbers
- Share price
- ₹236.65
- Market cap
- ₹2,614 Cr
- Revenue (annual)
- ₹3,143 Cr
- Net profit (annual)
- ₹332.2 Cr
- P/E (TTM)
- 6.4×Sector 22.0×
- Promoter holding
- 36.17%+0.00% QoQ
- FII holding
- 4.88%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Satin Creditcare Network Ltd
All →Satin Creditcare Network Debt & Borrowing: ₹0.39 Cr
Satin Creditcare Network Ltd paid interest of ₹0.39 Crore on its non-convertible debentures. This fulfills the company's debt servicing obligation for the specified period.
- Value
- ₹0.39 Cr
Satin Creditcare Network Debt & Borrowing: ₹0.31 Cr
Satin Creditcare Network paid monthly coupon of Rs 0.31 Crore on its 12% July-2031 debentures. The interest was settled on 22 September 2026, one day ahead of due date.
- Value
- ₹0.31 Cr
Satin Creditcare Network Earnings Call Transcript: Key Takeaways
Management projects a confident growth trajectory, highlighting its 18th consecutive profitable quarter and strategic diversification into technology and housing finance despite sector-wide headwinds.
- Call
- Guides 15% growth
Satin Creditcare Network Acquisition Worth ₹5 Cr
Satin Creditcare's subsidiary SGAL invested ₹5 Crore in Indic Wisdom. This capital will scale manufacturing and distribution for the food products startup.
- Value
- ₹5.00 Cr
Satin Creditcare Network Debt & Borrowing: ₹100 Cr
Satin Creditcare Network Limited has fully redeemed its 13.00% bonds maturing in September 2026, paying out a total of ₹100 Crore.
- Value
- ₹100.0 Cr
Satin Creditcare Network Debt & Borrowing: ₹0.45 Cr
Satin Creditcare Network paid ₹0.45 Crore as interest on its non-convertible debentures. The payment was made on September 3, 2026.
- Value
- ₹0.45 Cr