ALFA Finder| Management target | Revenue 25.0% FY27 |
|---|
| Revenue growth | 22% YoY consolidated income growth. |
|---|---|
| Margins | Standalone NIM improved to 14.36% from 13.16%. |
| Demand visibility | Strong; highest Q1 disbursements in company history. |
| Management confidence | High; citing 20 consecutive profitable quarters and strong collection efficiency. |
Growth
Consolidated AUM reached INR 15,935 Cr, growing 27% YoY. Standalone PAT rose 182% YoY to INR 120 Cr.
Outlook
Guided for FY27 consolidated AUM growth of 20-25%; long-term target of INR 32,000 Cr AUM by 2030.
Risks
Monsoon impact on rural cash flows and floods in 3 Assam districts; West Asia situation monitored.
Last quarter's promises, checked
Delivered
- Guided FY26 PAT growth → delivered 79% YoY (INR 330 Cr) (= BEAT)
- Guided AUM growth 15-20% → delivered 19% YoY (= BEAT)
- Guided credit cost 3-3.5% (standalone) → delivered 3.55% (consolidated) (= BEAT)
Partly delivered
- Guided consolidated NIM 13.5-14% → delivered 13.2% (= PARTIAL)
Earnings Call Transcript 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.