"Announcement under regulation 30 of SEBI (LODR) Regulations, 2015 - Press Release".
SATIN · price
▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.
Awaiting price reaction for this filing.
Satin Creditcare Network reported FY25 audited results with consolidated AUM growing 7% YoY to INR 12,784 Crores and standalone AUM up 6.8% to INR 11,316 Crores. Total consolidated revenue rose 16.1% to INR 2,602 Crores, but standalone PAT fell sharply by 48.8% YoY to INR 217 Crores (vs INR 423 Crores in FY24), reflecting sector headwinds and higher credit costs. The company notched 15 consecutive profitable quarters with Q4 FY25 PAT at INR 41 Crores. Asset quality improved meaningfully — PAR 1 dropped to 4.9% from 6.8% in Sept'24, on-book GNPA stood at 3.7%, and FY25 credit cost was contained at 4.6% within the guided range. The company raised INR 7,742 Crores during the year (including a USD 100M ECB loan), holds INR 1,217 Crores in liquidity, and has a capital adequacy ratio of 25.9%.
Mixed bag for shareholders — healthy AUM and revenue growth show the franchise is expanding, but the steep PAT decline and weak Q4 PPOP (-44.4% QoQ) signal margin pressure that may weigh on near-term sentiment. Improving asset quality and stable liquidity are positives, while a sustained earnings recovery will be key for the stock to re-rate.