ALFA Finder| Management target | Revenue 15.0% FY27 |
|---|
| Revenue growth | Consolidated revenue reached ₹753 Cr, up 10% YoY. |
|---|---|
| Margins | Consolidated NIM stable at 14.25%; standalone NIM at 14.71%. |
| Demand visibility | Positive outlook for rural financial services and MSME credit demand. |
| Management confidence | Balanced, emphasizing discipline and 18 quarters of consistent profitability. |
Growth
Consolidated AUM grew 10% YoY to ₹13,341 Cr; standalone PAT surged 404% YoY to ₹72 Cr.
Outlook
Management guides for 10-15% MFI growth and credit costs lowering to ~4% by FY27.
Risks
High liquidity maintenance is dragging on ROA; regional variations in collection efficiency persist in West Bengal.
Last quarter's promises, checked
Delivered
- Guided ROA 3.5%-4.0% → delivered 3.3% - 3.55% (= BEAT)
- Guided Credit Cost 3.0%-3.5% → delivered 3.06% (= BEAT)
- Guided AUM Growth 20%-25% → delivered 27% (= BEAT)
Partly delivered
- Targeted 30% non-MFI book by 2030 → delivered 19% (= PARTIAL)
Missed
- Guided Standalone NIM ~14.5% → delivered 14.36% (= MISS)
- Guided Net Profit (Consolidated) ₹123 Cr → delivered ₹72 Cr (= MISS)
Earnings Call Transcript 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.