| Revenue growth | 22% YoY (Consolidated) |
|---|---|
| Margins | NIM at 14.36% (+120 bps YoY); Gross Yield at 22.44%. |
| Demand visibility | Strong; backed by presence in 112,000 villages and 590 districts. |
| Management confidence | High; citing 'strongest opening ever' and revised long-term AUM targets. |
Growth
Consolidated AUM at ₹15,935 Cr (+27% YoY); Standalone PAT hit ₹120 Cr (+182% YoY).
Outlook
FY27 consolidated AUM growth target of 20%-25% (₹18,200-18,900 Cr); revised FY2030 AUM target to ₹32,000 Cr.
Risks
Credit cost guidance at 3.0%-3.5% reflecting management overlay for potential macro stress; MFI industry headwinds mentioned.
Last quarter's promises, checked
Delivered
- Guided FY26 AUM growth 15-20% → delivered 19% (= BEAT)
- Guided 3-3.5% credit cost target → delivered 3.55% (= BEAT)
- Guided consolidated NIM 12-13% → delivered 14.36% (= BEAT)
Partly delivered
- Guided FY27 AUM ₹14,800-15,100 Cr → delivered ₹15,935 Cr (= BEAT)
Investor Presentation filed with BSE, 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.
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