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 reported its 16th consecutive profitable quarter, with consolidated AUM growing 6.8% YoY to INR 12,499 crores and standalone loan portfolio up 4.5% to INR 10,956 crores. Disbursements rose 6% YoY to INR 2,242 crores, supported by network expansion to 1,599 branches across 29 states. Revenue grew 10.3% YoY to INR 642 crores with stable NIM at 13.48%, while PAT stood at INR 45 crores consolidated. Asset quality remained steady with PAR 90 at 3.7%, though PAR 1 ticked up to 5.8% on seasonal factors. The company held INR 316 crores in provisions, CRAR of 26%, and liquidity of ~INR 2,000 crores. Subsidiaries Satin Housing Finance (AUM INR 961 crores) and Satin FinServ (AUM INR 582 crores) continued to scale.
Stable operational performance with consistent profitability and strong provisioning buffer is reassuring, but management explicitly declined to provide forward guidance on growth, ROA, or ROE, which may limit near-term catalysts. Stock may trade range-bound until sector headwinds ease and subsidiary growth becomes more meaningful to consolidated numbers.