Satin Creditcare Network Limited has informed the Exchange about Transcript
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 posted its 15th consecutive profitable quarter with FY25 standalone PAT of INR217 crore (Q4 alone: INR41 crore), and consolidated revenue grew 16.1% YoY to INR2,602 crore. Asset quality improved meaningfully — PAR 1 fell 192 basis points from 6.8% in September 2024 to 4.9% by March 2025, and PAR 90 stood at 3.7%, while credit cost remained within the guided 4.5%–5% range at 4.6%. Consolidated AUM grew 8% YoY to INR12,784 crore, the company raised USD 100 million via ECB, onboarded 14 new lenders, and holds INR1,217 crore liquidity plus INR1,243 crore undrawn sanctions with CRAR of 25.9%. Management said operating costs have peaked and FY26 opex ratio should be lower, but declined to give specific FY26 guidance on credit cost or growth, asking investors to wait until after Q1 FY26 results.
The asset quality turnaround and continued profitability are positive for the stock, but management's repeated refusal to provide FY26 guidance on growth, credit costs, or collection efficiency may limit near-term visibility and could keep the stock range-bound until Q1 numbers clarify the trajectory.