| 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
- ₹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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