ALFA Finder| 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
- ₹271.41
- Market cap
- ₹2,998 Cr
- Revenue (annual)
- ₹3,143 Cr
- Net profit (annual)
- ₹332.2 Cr
- P/E (TTM)
- 5.6×Sector 20.8×
- Promoter holding
- 36.17%+0.00% QoQ
- FII holding
- 4.89%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: ₹0.45 Cr
Satin Creditcare paid Rs.0.45 Crore interest on its 10.50% NCDs maturing January 2027. The payment was made a day before the November 4 due date.
- Value
- ₹0.45 Cr
Satin Creditcare Network Debt & Borrowing: ₹1.83 Cr
Satin Creditcare paid Rs.1.83 Crore quarterly interest on its 10.40% April 2027 NCDs on 31 October 2026. The payment fulfils an existing debt obligation.
- Value
- ₹1.83 Cr
Satin Creditcare Network Debt & Borrowing: ₹1.28 Cr
Satin Creditcare paid monthly interest of Rs.1.28 Crore on two NCD series. Payments were made on October 29, 2026, ahead of the October 30 due date.
- Value
- ₹1.28 Cr
Satin Creditcare Network Earnings Call Transcript: Key Takeaways
Satin reports its highest-ever standalone half-yearly profit, nearing FY26 levels in six months.
- Call
- Guides 25% growth
Satin Creditcare Network Other Announcement
Satin Creditcare reported no deviation in fund use from its warrant issue for the quarter ended September 30, 2026. The Audit Committee noted no comments.
Satin Creditcare Network Investor Presentation: Key Takeaways
Q2FY27 consolidated PAT ₹176 Cr (+231% YoY); H1FY27 standalone PAT ₹292 Cr (+209%). Consolidated AUM ₹16,589 Cr (+31%). Asset quality and credit cost improving.