Satin Creditcare Network Q2 FY27: PAT ₹123 Cr & Rev ₹827 Cr

1 Financial Results 🔴 High Importance ✨ Positive 📄 PDF

Investor Takeaways

Consolidated PAT of ₹123 Crores in Q1 FY27, 172% YoY increase

Standalone PAT of ₹120 Crores, 182.3% YoY growth

GNPA ratio declined to 2.18% from 3.74%

Capital Adequacy Ratio at 26.74%

Management overlay increased to ₹36 Crores

₹8 Crores recovery against write-offs

Promoter equity infusion of ₹100 Crores at 17% premium

ROE at 20.4% and ROA at 4.0% consolidated

Overall Tone: Neutral

Key Financial Highlights

Metric	Value	YoY Change
Revenue	₹827 Cr	N/A
Net Profit	₹123 Cr	172%
EPS	₹1.3	N/A
OPM	41.89%	N/A
Capital Adequacy Ratio	26.74%	N/A

What Changed

Satin Creditcare Network Limited reported consolidated PAT of ₹123 Crores in Q1 FY27, reflecting a 172% year-on-year increase. Standalone PAT rose 182.3% YoY to ₹120 Crores, driven by strong disbursement growth and improved asset quality. The company maintained a healthy capital position with ₹2,311 Crores liquidity and a 26.74% Capital Adequacy Ratio. The gross non-performing asset (GNPA) ratio declined to 2.18% from 3.74%, indicating better asset quality. Management overlay was increased to ₹36 Crores to buffer potential credit stress, while recovery against write-offs reached ₹8 Crores. The firm expanded into Kerala and strengthened its MSME and housing finance subsidiaries, with Satin Growth Alternatives launching a ₹200 Crore AIF. Promoters committed ₹100 Crores equity infusion at a 17% premium. The results reflect sector recovery post-industry stress, with ROE at 20.4% and ROA at 4.0% consolidated. Quarterly trends show fluctuating profitability, with Q1FY25 profit at ₹105.28 Crores and OPM at 62.59%, declining to ₹14.26 Crores in Q3FY25 with 41.89% OPM.

Peer Comparison

Company	P/E	ROE	ROCE	Market Cap (₹ Cr)
Satin Creditcare Network Limited	8.4	20.4%	N/A	2,467.81
HDFC Bank Limited	15.5	14.3%	24.4%	1,18,1607.38
ICICI Bank Limited	15.47	N/A	N/A	8,92,242
State Bank of India	10.44	N/A	N/A	8,89,093.09

Satin Creditcare trades at a lower P/E ratio compared to HDFC Bank and ICICI Bank, suggesting potential undervaluation relative to peers. The company’s ROE of 20.4% exceeds HDFC Bank’s 14.3%, indicating stronger returns on equity. However, peer data for ROCE and SBI’s ROE/ROCE is not available. Market capitalization shows Satin Creditcare is significantly smaller than the listed peers.

Risks & Concerns

Management overlay increased to ₹36 Crores, indicating ongoing credit risk caution

Provisioning and capital buffers suggest sensitivity to credit quality

Quarterly profitability shows volatility, with OPM declining from 66.13% in Q4FY24 to 41.89% in Q3FY25

No specific risks identified in this filing beyond capital buffer actions and historical profitability volatility.

Quarterly Trend

Quarter	Revenue (₹ Cr)	Net Profit (₹ Cr)	OPM%
Q3FY25	684.07	14.26	41.89
Q2FY25	656.9	44.69	50.81
Q1FY25	632.66	105.28	62.59
Q4FY24	642.11	128.22	66.13

The quarterly trend reveals a significant decline in net profit and OPM from Q4FY24 to Q3FY25, followed by a partial recovery in Q1FY27 to ₹123 Crores profit. This indicates potential seasonality or operational volatility in profitability, though the latest quarter shows strong YoY growth.

2 Financial Results 🔴 High Importance ✨ Positive 📄 PDF

📢 Key Event
Satin Creditcare Network reported strong Q1 FY27 performance with 22% YoY AUM growth to ₹13,312 crores and 182% YoY PAT growth to ₹120 crores.

🔄 What Changed
22% YoY AUM growth to ₹13,312 crores, 182% YoY PAT growth to ₹120 crores, revised FY2030 AUM target to ₹32,000 crores, 41 branches added, ROA 3.55%, ROE 15.10%, credit cost 3.06%.

🔮 What's Next
FY2030 AUM target revised to ₹32,000 crores from ₹25,000 crores.

💡 Investor Takeaway
The company is aggressively expanding its AUM base and geographic footprint while improving profitability metrics like ROE and ROA.

Satin Creditcare Network reported strong Q1 FY27 performance with 22% YoY/YOM growth to ₹13, with AUM reaching ₹13, ₹13, ₹13, disbursement growth in AUM growth to ₹13,312 crores, 46% YoY disbursement growth to ₹3,008 crores, and 182% YoY PAT growth to ₹120 crores. Credit cost improved to 3.06% including management overlay, ROA reached 3.55%, and ROE hit 15.10%. The company revised its FY2030 AUM target to ₹32,000 crores from ₹25,000 crores, citing 27% YoY AUM growth and expansion into new verticals. Operational updates include geographic expansion into Kerala, addition of 41 branches, and strategic investments in technology and secured lending segments.

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About Satin Creditcare Network Limited (SATIN)

Financial Services · Finance · Listed on NSE

Market Cap: ₹2,467.37 Cr P/E: 6.0 ROE: 14.3% ROCE: 13.0%

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