Satin Creditcare Network Limited has informed the Exchange about Investor Presentation
SATIN · price
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Awaiting price reaction for this filing.
Satin Creditcare reported consolidated AUM of INR 12,499 Crores with ~33 lakh active clients and ~1,600 branches as of June 2025. The company marked its 16th consecutive quarter of profitability, with consolidated PAT at INR 45 Crores, up 106% sequentially but down 57% YoY. Disbursements grew 3.4% YoY to INR 2,065 Crores (standalone). Asset quality remained stable with PAR 90 at 3.7%, similar to March 2025 levels. Sequential improvement was visible across metrics — standalone NIM rose from 11.81% to 13.48%, opex ratio improved from 7.24% to 6.68%, and PPOP grew 14.3% QoQ. Management guided for credit cost lower than FY25 levels of 4.6%.
Stable asset quality, 16 straight quarters of profit, and sequential margin recovery are positive signals. However, YoY PAT decline of ~58% and slower disbursements reflect ongoing sector headwinds in microfinance, which may limit near-term stock catalysts.