Satin Creditcare Network (SATIN) investor relations material

Executive summary

• Achieved the strongest Q1 in eight years with consolidated AUM up 27% year-on-year to ₹15,935 crore and disbursements up 56% year-on-year to ₹3,495 crore.

• PAT surged 172% year-on-year to ₹123 crore; consolidated revenue from operations for Q1 FY27 was ₹71,396.21 lakhs, up from ₹61,525.66 lakhs year-over-year.

• Standalone AUM rose 22% year-on-year to ₹13,312 crore; PAT up 182% year-on-year to ₹120 crore.

• Promoters to infuse ₹100 crore equity at a 17% premium, signaling strong commitment.

• The group operates primarily in financing activities and within the domestic market.

Financial highlights

• Consolidated AUM reached ₹15,935 crore, up 27% year-on-year and 5% sequentially; standalone AUM at ₹13,312 crore, up 22% year-on-year.

• Consolidated disbursements were ₹3,495 crore, up 56% year-on-year; standalone disbursements at ₹3,008 crore, up 46%.

• Consolidated total income was ₹827 crore, up 22% year-on-year; consolidated PAT was ₹123 crore, up 172%.

• Standalone NIM improved to 14.36% from 13.16% year-on-year; cost to income improved to 44.49% from 48.91%.

• Earnings per share (basic and diluted) for the quarter were ₹11.15, compared to ₹4.10 year-over-year.

Outlook and guidance

• FY27 consolidated AUM growth target set at 20%-25%, implying ₹18,200–₹18,900 crore by March 2027.

• Standalone credit cost guidance at 3%-3.5% (reported basis), standalone ROA at 3.5%-4%.

• Long-term target: ₹32,000 crore consolidated AUM by 2030, with 30% from non-microfinance business.