Satin Creditcare Q1FY27 PAT Soars 182% YoY to ₹120 Cr on 22% AUM Growth
Satin Creditcare Network Limited reported Q1 FY27 results with standalone PAT up 182% YoY to ₹120 Cr on 22% AUM growth to ₹13,312 Cr. Revenue increased 21% YoY to ₹734 Cr. NIM stood at 14.36%. Promoters will infuse ₹100 Cr equity. AUM target for FY2030 revised to ₹32,000 Cr.
The strong financial performance, significant PAT growth, revised AUM targets, and promoter commitment are material positive developments for the company, likely to impact investor sentiment and valuation.
The company reported significant year-on-year growth in PAT, AUM, revenue, and NIM, along with a reduction in credit cost and improved ROA/ROE. The revised higher AUM target and promoter equity infusion further indicate positive future outlook.
Satin Creditcare Network Limited announced strong financial results for the quarter ended June 30, 2026 (Q1 FY27).
The company reported a significant 182% year-on-year growth in Profit After Tax (PAT), which stood at ₹120 Crores. This surge was driven by a 22% year-on-year increase in Assets Under Management (AUM), reaching ₹13,312 Crores on a standalone basis. Disbursement also saw a robust 46% year-on-year growth, aggregating to ₹3,008 Crores.
Key performance indicators showcased substantial improvement. Revenue grew by 21% YoY to ₹734 Crores. The Net Interest Margin (NIM) increased by over 120 bps YoY to 14.36%. The Credit Cost reduced by over 177 bps to 3.06%, which is in line with the guidance of 3-3.5% for FY27. Return on Assets (ROA) improved to 3.55% and Return on Equity (ROE) rose to 15.10%, both including a management overlay buffer of ₹36 Crores.
In a demonstration of strong promoter commitment, promoters will infuse ₹100 Crores as Equity Share Capital at approximately 17% premium. The company also maintained a stable leadership team with over 10 years of vintage and zero attrition in field leadership.
Satin Creditcare has revised its AUM target for FY2030 to ₹32,000 Crores from the earlier target of ₹25,000 Crores. The non-MFI portfolio share grew to 19%, targeting 30% by 2030. The company is also progressing with its subsidiaries: Satin Housing Finance Limited (SHFL) and Satin Finserv Limited (SFL) both crossed ₹1,000 Crores in AUM. Satin Technologies Limited is building enterprise technology, and Satin Growth Alternatives Limited has received SEBI license for its Category II AIF, targeting first close by Q2.
Guidance for FY27 includes a consolidated AUM growth target of 20%-25%, implying an AUM of ₹18,200 - ₹18,900 Crores. The standalone credit cost target is 3.0% – 3.5%, and the standalone Return on Asset target is 3.5% - 4.0%.
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