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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Satin Creditcare Network
Satin Creditcare Network (SATIN) investor relations material
Satin Creditcare Network Q2 26/27 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 26/27 earnings summary29 Oct, 2026
Executive summary
Q2 FY27 marked the 21st consecutive profitable quarter; standalone PAT was ₹17,161.29 lakh and consolidated PAT ₹17,590.35 lakh, each up 231% YoY.
H1 FY27 PAT reached ₹29,189.97 lakh standalone and ₹29,854.91 lakh consolidated; standalone H1 PAT neared FY26 full-year PAT of INR 302 crore.
Growth and improving asset quality supported returns; management prioritized cycle-resilient performance while maintaining the FY30 consolidated AUM target of INR 32,000 crore.
Financial highlights
Q2 standalone NII was ₹533 crore, up 34% YoY; PPOP was ₹311 crore, up 56%, and PAT was ₹172 crore, up 231%.
Q2 consolidated NII was ₹594 crore, up 35% YoY; PPOP was ₹267 crore, up 26%, and PAT was ₹176 crore, up 231%.
H1 standalone NII was ₹998 crore, up 30% YoY, and PPOP was ₹570 crore, up 46%; consolidated PPOP was ₹590 crore, up 43%.
H1 consolidated PAT was ₹29,854.91 lakh versus ₹9,825.55 lakh; consolidated EPS was ₹27.14 and standalone EPS ₹26.53, not annualized.
Q2 revenue adjusted for MTM gains and FX movements was ₹816 crore standalone and ₹933 crore consolidated, up 28% and 31% YoY, respectively.
Outlook and guidance
FY27 consolidated AUM growth guidance remains 20%-25%; management expects to reach the upper band, supported by seasonally stronger H2 disbursements.
FY27 standalone credit-cost guidance remains 3%-3.5% against H1 of 2.8%; standalone ROA guidance is 3.5%-4% against reported H1 ROA of 4.3%.
FY30 consolidated AUM target remains INR 32,000 crore, with 30% from non-MFI businesses; non-MFI share reached 20%, versus 15% a year earlier.
Stable cross-cycle NIM target is ~14.5%; management expects to protect it through repricing and lending-rate adjustments as funding costs change.
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Latest events from Satin Creditcare Network
- Record Q1 with 27% AUM growth, 172% PAT surge, and major capital market activity.SATIN
Q1 26/27 - AUM up 19% YoY to ₹15,174 Cr, PAT up 79%, non-MFI AUM at 17%, with robust asset quality.SATINQ4 25/26
- AUM up 10% YoY, strong profitability, asset quality, and capital ratios maintained.SATINQ3 25/26
- 17th profitable quarter, 8% AUM growth, revenue up, but net profit fell on higher costs.SATINQ2 25/26
- 16th consecutive profitable quarter, 6.8% AUM growth, and PAT up 106% YoY.SATINQ1 25/26
- AUM and revenue rose 16% and 30% YoY, but guidance was lowered amid asset quality stress.SATINQ2 24/25
- AUM up 23% YoY, PAT up 20%, with stable asset quality and strong liquidity.SATINQ1 24/25
- 15th profitable quarter, 16.1% revenue growth, 7.9% AUM growth, and strong risk controls.SATINQ4 24/25
- 10% YoY AUM growth, robust profitability, and industry-leading asset quality achieved.SATINQ3 24/25
Next Satin Creditcare Network earnings date
Q3 26/2728 Jan, 2027
Satin Creditcare Network
Next Satin Creditcare Network earnings date
Q3 26/2728 Jan, 2027
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Frequently asked questions
Satin Creditcare Network Limited is a microfinance institution that provides collateral-free loans to economically active women in rural and semi-urban areas. Its services aim to promote financial inclusion and support entrepreneurship. The company is headquartered in Gurugram, India, and its shares are listed on the NSE.