| 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
- ₹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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Satin Creditcare Network Earnings Call Transcript: Key Takeaways
Satin Creditcare reported Q1 FY27 consolidated PAT of INR 123 Cr, up 172% YoY, and total income of INR 827 Cr, up 22% YoY, maintaining its 20th consecutive profitable quarter.
- Call
- Guides 25% growth