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Satin Creditcare Network (SATIN) investor relations material
Satin Creditcare Network Q1 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Achieved 16 consecutive profitable quarters, demonstrating operational resilience and strategic expansion into new markets such as Mizoram and Visoram.
Maintained robust capital adequacy above 25% for six years and strengthened governance with two new independent directors.
Launched a women-led AIF debt fund targeting rural and semi-urban MSMEs, emphasizing ESG and inclusion.
Board approved unaudited standalone and consolidated financial results for the quarter ended June 30, 2025, with unmodified auditor opinion.
Group includes three wholly owned subsidiaries; results reflect consolidated performance.
Financial highlights
Consolidated revenue grew 12.4% year-over-year to INR 713 crore; standalone revenue at INR 56,062.01 lakhs, up from INR 53,074.74 lakhs YoY.
Consolidated PAT at INR 45 crore, up 106% YoY; standalone PAT at INR 4,260.14 lakhs, up from INR 4,104.50 lakhs YoY.
AUM grew 6.8% YoY to INR 12,499 crore consolidated; disbursements at INR 2,242 crore, up 6% YoY.
Net interest margin stable at 13.48% consolidated; gross yield improved to 22.57%.
Basic and diluted EPS (consolidated): ₹4.10, up from ₹1.99 YoY.
Outlook and guidance
No explicit growth or ROA guidance; management targets credit cost below FY25's 4.6% and expects stability in key metrics.
Board approved incorporation of Satin Growth Alternatives Limited to enter the alternative investment space.
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