ALFA Finder| 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
- ₹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.