Satin Creditcare Network Limited has informed the Exchange about Investor Presentation
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Satin Creditcare Network reported FY25 consolidated AUM of INR 12,784 Cr, up 7.9% YoY, while the broader NBFC-MFI industry de-grew 19.8%. Consolidated PAT fell 57.3% to INR 186 Cr from INR 436 Cr in FY24 due to higher opex and credit costs from sector headwinds. Q4 marked the 15th consecutive profitable quarter. Credit cost for FY25 was 4.6%, within the guided 4.5-5.0% range, but AUM growth of 6.8% missed the 8-10% guidance. Asset quality improved with PAR 1 declining 192bps to 4.9% by March 2025, and GNPA stood at 3.70%. The company raised USD 100 million via ECB and received Moody's SQS2 sustainability rating. Subsidiaries (Housing Finance, Finserv, Technologies) continue to grow with Housing Finance AUM up 22% YoY.
Mixed signals for shareholders — AUM growth and asset quality trends are positive and outpaced the struggling industry, but sharp PAT decline and missed AUM growth guidance may pressure the stock in the short term. Long-term outlook supported by diversification, strong liquidity buffer, and successful navigation of sector crisis.