Satin Creditcare Network Share Price

Conference Call with Satin Creditcare Network Management and Analysts on Q4FY26 & Full Year Performance and Outlook. Listen to the full earnings transcript.

• Trendlyne
• 1 month 2 weeks ago

The buying on the counter came after Satin Creditcare Network reported its Q4FY26 numbers on Monday, after market hours

• Business Standard
• 1 month 2 weeks ago

Microfinance Institutions company Satin Creditcare Network announced Q4FY26 & FY26 results Consolidated Financial Highlights: Revenue from Operations: For Q4FY26, the company reported revenue of Rs 91,950.22 lakh, representing a growth of 49.48% YoY compared to Rs 61,512.76 lakh in Q4FY25 and a growth of 24.29% QoQ from Rs 73,981.39 lakh in Q3FY26. For FY26, revenue stood at Rs 3,14,302.95 lakh, showing a YoY growth of 22.23% over Rs 2,57,138.20 lakh in FY25. Total Income: Total income for Q4FY26 was Rs 92,255.11 lakh, up 49.64% YoY from Rs 61,656.94 lakh in Q4FY25 and up 23.83% QoQ from Rs 74,501.42 lakh in Q3FY26. For FY26, the total income reached Rs 3,16,087.41 lakh, an increase of 22.58% YoY compared to Rs 2,57,860.14 lakh in FY25. Net Profit After Tax: The consolidated net profit for Q4FY26 was Rs 16,204.57 lakh, marking a substantial growth of 639.94% YoY from Rs 2,189.34 lakh and a growth of 125.35% QoQ from Rs 7,190.86 lakh in Q3FY26. For FY26, net profit stood at Rs 33,220.98 lakh, a YoY increase of 78.49% from Rs 18,612.60 lakh in FY25. Total Comprehensive Income: For Q4FY26, total comprehensive income was Rs 16,911.15 lakh, up from a loss of Rs 1,131.04 lakh in Q4FY25. For FY26, it reached Rs 31,884.66 lakh, compared to Rs 14,176.71 lakh in FY25. Earnings Per Share (EPS): Basic and diluted EPS for Q4FY26 was Rs 14.73. For FY26, EPS stood at Rs 30.20 compared to Rs 16.92 in FY25. Standalone Financial Highlights: Revenue from Operations: Standalone revenue for Q4FY26 stood at Rs 81,157.42 lakh, growing by 46.16% YoY from Rs 55,527.63 lakh in Q4FY25 and by 22.22% QoQ from Rs 66,404.44 lakh in Q3FY26. For FY26, standalone revenue reached Rs 2,82,243.68 lakh, up by 19.81% YoY from Rs 2,35,579.93 lakh in FY25. Total Income: Total standalone income for Q4FY26 was Rs 81,213.28 lakh, an increase of 45.66% YoY from Rs 55,714.13 lakh in Q4FY25 and an increase of 22.20% QoQ from Rs 66,460.34 lakh in Q3FY26. For FY26, it stood at Rs 2,82,462.25 lakh, a growth of 19.73% YoY compared to Rs 2,35,908.01 lakh in FY25. Net Profit After Tax: Standalone net profit for Q4FY26 was Rs 13,694.81 lakh, representing a growth of 233.66% YoY from Rs 4,104.50 lakh and a growth of 93.84% QoQ from Rs 7,064.86 lakh in Q3FY26. For FY26, net profit was Rs 30,208.07 lakh, up 39.49% YoY from Rs 21,656.23 lakh in FY25. Net Worth: Standalone net worth as of March 31, 2026, was Rs 3,10,346.63 lakh. Business Highlights: Segment Performance: The company operates in a single reportable segment, which is "financing activities," and serves a single geographical segment, the domestic market in India. Asset Quality: On a consolidated basis, the Gross Non-Performing Assets (GNPA) ratio was 3.12% and the Net Non-Performing Assets (NNPA) ratio was 0.85% as of March 31, 2026. The Provision Coverage Ratio (NPA) stood at 72.85%. Capital Adequacy: The consolidated Capital Risk Adequacy Ratio (CRAR) was 25.39% for the year ended March 31, 2026. Liquidity: The consolidated Liquidity Coverage Ratio (LCR) was 135.55% as of March 31, 2026. Direct Assignment of Loans: During Q4FY26, the company assigned 3,54,363 loan assets through direct assignment with a book value of Rs 1,25,591.36 lakh and a total sale consideration of Rs 1,25,591.36 lakh. Loan Acquisitions: During Q4FY26, the company acquired 63,179 loan assets through direct assignment with a book value and sale consideration of Rs 22,267.75 lakh. Co-lending Arrangements: As of March 31, 2026, the company had one co-lending partner with a portfolio outstanding of Rs 5.66 lakh. Subsidiary Developments: Alternative Investment Fund: Satin Growth Alternatives Limited was registered by SEBI as a Category II Alternative Investment Fund (AIF) on April 13, 2026. Housing Finance: Satin Housing Finance Limited complied with the Principal Business Criteria (PBC) requirement as of March 31, 2026, with the ratio improving to 63.52% of its total assets. Acquisition: During Q4FY26, Satin Technologies Limited acquired a 50.84% stake in QTrino Labs Private Limited, making it a step-down subsidiary of the parent company. Debt-Equity Ratio: The company maintained a standalone debt-equity ratio of 3.07 and a consolidated debt-equity ratio of 3.86. Total Debts to Total Assets: This ratio was 0.77 (consolidated) and 0.73 (standalone) as of March 31, 2026. HP Singh, Chairman & Managing Director, Satin Creditcare Network, said: “FY26 was a landmark year for Satin. Despite a challenging operating environment, we delivered 19% AUM growth, a full-year standalone PAT of Rs 332 crore, and our 19th consecutive profitable quarter with Q4FY26 PAT at Rs 162 crore. We achieved exceptional ROA and ROE in Q4, standing at 4.71% and 23.31%, respectively, which is higher than the industry average. Further, the value creation from our wholly owned subsidiaries, SGAL and STL, is expected to act as a key catalyst for further improvement in ROA and ROE in the coming years. Equally important is the quality of our performance. Credit costs for the year came in at 3.8% reduced 77 bps YoY, reflecting the strength of our underwriting and risk management discipline. Our diversified platform continued to gain momentum. Satin Housing Finance and Satin Finserv delivered strong growth, crossing AUM Rs 1,000 crore each, Satin Technologies added new clients and acquired a strategic stake in QTrino Labs, a deep-tech cybersecurity company, and the launch of Satin Growth Alternatives Limited a women led Category II AIF and a strategic collaboration with SBI marks an important milestone in our inclusion-focused mission with focus on gender lens investing and sustainability. As we enter FY27, we do so from a position of strength with a resilient balance sheet, multiple growth engines, and a clear strategic roadmap. We remain committed to growing responsibly and creating sustainable long-term value." Result PDF

• Trendlyne
• 1 month 2 weeks ago