Satin Creditcare Network Ltd (NSE:SATIN)

Q4 2026 Satin Creditcare Network Ltd Earnings Call Transcript

May 12, 2026 / 05:00 AM GMT

Release Date Price: ₹225.08 (+4.84%)

Transcript

Key Points

Positve

Satin Creditcare Network Ltd (BOM:539404) reported a significant year-on-year growth in consolidated PAT by 640% in Q4 and 79% for the full year.
The company achieved a consolidated AUM of INR 15,174 crore, marking a 19% increase year-on-year.
Satin Creditcare Network Ltd (BOM:539404) maintained a strong asset quality with a standalone GNPA of 3.1% and an ex-bucket collection efficiency of 99.9%.
The company successfully diversified its business, with 17% of its consolidated AUM coming from non-MFI businesses, aiming for 30% by 2030.
Satin Creditcare Network Ltd (BOM:539404) has a robust funding position, raising INR 10,826 crores during FY '26, and maintaining a healthy balance sheet liquidity of INR 2,092 crores.

Negative

The microfinance sector faced significant challenges in FY '25, including over-leveraging and state-level disruptions, impacting the overall industry.
Despite improvements, the credit cost for FY 2026 stood at 3.8%, which, although improved, remains a concern.
The company's cost of borrowing remains relatively high, although it has decreased by 43 basis points to 10.82%.
There is a potential risk of inflation and geopolitical issues impacting credit growth in the near term.
The company's standalone net worth is higher than its consolidated net worth due to past revaluations, which may require further clarification.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

SATR.NS - Satin Creditcare Network Ltd
Q4 2026 Satin Creditcare Network Ltd Earnings Call
May 12, 2026 / 05:00AM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and Gentlemen, good day, and welcome to Saturn 3K Network Limited Q4 12 Months FY26 Earnings Conference Call hosted by Solid Capital Markets Pivot team.

As a reminder, all participant lines will be in the listening room and there will be an opportunity for you to ask questions after the presentation continues.

If you need assistance during this conference call, please signal an operator by pressing star then zero for any fashion.

Please note that this conference is being recorded.

I now hand the conference over to Mr. Punit Banani from Dollard Capital Markets Private Limited.

Thank you, and over to you, sir.

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