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Satin Creditcare Network
Satin Creditcare Network (SATIN) investor relations material
Satin Creditcare Network Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary29 Jan, 2026
Executive summary
Achieved 18 consecutive profitable quarters, maintaining growth and long-term value creation through diversification, disciplined execution, and strong risk governance, even during sector headwinds and crises.
Expanded branch network by 452 branches YOY, now operating 1,987 branches across 26 states and 5 union territories, including new entries into Mizoram and Kerala.
Enhanced board governance with two new independent directors and maintained high leadership continuity.
Unaudited standalone and consolidated financial results for the quarter and nine months ended December 31, 2025, were reviewed and approved by the Board and statutory auditors, confirming compliance with SEBI and RBI regulations.
The Group includes four wholly owned subsidiaries, with all results consolidated as per Indian Accounting Standards.
Financial highlights
Consolidated AUM reached ₹13,341 crore, up 10% year-over-year; standalone AUM at ₹11,482 crore, up 7% YOY.
Q3 FY26 consolidated revenue was ₹753 crore, up 10% YOY; consolidated PAT for the quarter was ₹72 crore, a 404% YOY increase.
Net Interest Income for 9M-FY26 was ₹1,328 crore, up 11.2% YOY; PAT at ₹170 crore, up 3.6% YOY.
Standalone net profit after tax for nine months ended December 31, 2025: ₹16,513.26 lakh; consolidated net profit after tax: ₹17,016.41 lakh.
Maintained CRAR at 24.64% and liquidity buffer of ₹2,283 crore, with undrawn sanctions of ₹2,206 crore.
Outlook and guidance
Targeting 10%-15% AUM growth in MFI for FY27, with subsidiaries expected to grow 40%-50%.
Credit cost guidance for FY26 is to end around 4%, down from 4.6% last year; Q3-FY26 at 4.2%.
ROA and ROE expected to improve further next year, with continued focus on portfolio resilience, risk management, and operational efficiency.
Management assessed the impact of new labour codes and concluded no incremental provision is required for the quarter; ongoing monitoring of regulatory developments continues.
Focus remains on cautious, profitable growth and premium customer acquisition.
Subsidiaries' contribution to consolidated results?
SHFL's PBC compliance plan and progress?
Rationale for loan assignment volumes?
QTrino Labs acquisition: Strategic fit?
Foreign funding: Cost, tenure, future reliance?
AIF Category 2 fund: Target and launch timeline?
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Next Satin Creditcare Network earnings date
Q4 25/2629 Apr, 2026
Satin Creditcare Network
Next Satin Creditcare Network earnings date
Q4 25/2629 Apr, 2026
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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.
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