Satin Creditcare Network Ltd — earnings calls
2 quarters summarised from transcripts filed with the exchange, every statement cited. Newest first.
Satin Creditcare reported its 20th consecutive profitable quarter with consolidated AUM of Rs 15,935 crores, up 27% year-on-year, and consolidated profit after tax of Rs 123 crores, up 172% year-on-year. Management said the reported credit cost of 3.06% and ROA of 3.55% included a Rs 36 crores management overlay built as a buffer against monsoon and Assam flood-related uncertainty, with adjusted ROA at 4.34%. The company gave FY27 guidance of 20-25% consolidated AUM growth, credit cost of 3-3.5%, and reported ROA of 3.5-4%, and said it would review guidance at the half year after seeing how the monsoon plays out.
Satin Creditcare reported consolidated AUM of Rs 15,174 crore for FY26, up 19% year-on-year, with consolidated PAT of Rs 330 crore, up 79% year-on-year. Management highlighted improved asset quality metrics including a standalone GNPA of 3.1% and credit cost of 3.8% for FY26, down from 4.6% in FY25. The company also detailed performance of its subsidiaries Satin Housing Finance, Satin Finserv, Satin Technologies and Satin Growth Alternatives, and outlined FY27 guidance for AUM growth and credit cost.