Satin Creditcare Q3FY26 PAT ₹71 Cr, 18th Consecutive Profitable Quarter
Satin Creditcare Network Limited reported unaudited results for Q3FY26. Consolidated PAT surged 404% to ₹72 crore, with AUM at ₹13,341 crore. Standalone PAT rose 125% to ₹71 crore. The company achieved its 18th consecutive profitable quarter. Credit cost was 4.23% and PAR 1 improved to 4.7%.
The announcement details strong financial performance with substantial PAT growth, improved asset quality, and consistent profitability, which are material factors for investors and stakeholders.
The company reported significant year-on-year growth in Profit After Tax (PAT) for both consolidated and standalone results, along with an improvement in asset quality metrics and sustained profitability for 18 consecutive quarters.
Satin Creditcare Network Limited (SCNL) has announced its unaudited financial results for the third quarter and nine months ended December 31, 2025. The company has maintained profitability for the 18th consecutive quarter.
Consolidated highlights for Q3-FY26 show Total Revenue at ₹753 crore, a 9% increase year-on-year, and Profit After Tax (PAT) at ₹72 crore, a significant 404% rise compared to Q3-FY25. For the nine months ended FY26, Total Revenue grew 14% to ₹2,259 crore, with PAT at ₹170 crore, up 4% year-on-year. Assets Under Management (AUM) on a consolidated level grew 10% year-on-year to ₹13,341 crore.
On a standalone basis for Q3-FY26, PAT was ₹71 crore, a 125% increase year-on-year, while for the nine months ended FY26, PAT stood at ₹165 crore, a 6% decrease year-on-year. Standalone AUM grew 7% year-on-year to ₹11,482 crore.
Key operational updates include a sustained disbursement momentum, with AUM growing 5% quarter-on-quarter and 10% year-on-year on a consolidated level. Asset quality showed improvement, with PAR 1 at 4.7% in Q3-FY26, and collection efficiency for the X bucket robust at 99.8%. Credit cost for Q3-FY26 stood at 4.23% (annualized). The company raised ₹7,746 crore during 9M-FY26. SCNL also received its debut S&P CSA score of 59/100.
The company's capital position remains robust with a capital adequacy ratio of 24.64% as of December 31, 2025. Book value per share stood at ₹244 on a consolidated basis. Liquidity remains comfortable with balance-sheet liquidity of ₹2,283 crore and undrawn sanctioned lines of ₹2,206 crore.
Total on-book borrowings were ₹8,786 crore as of December 31, 2025, with a debt-to-equity ratio of 2.9x. Borrowings are diversified, with 71% from banks.
On-book Gross Non-Performing Assets (NPA) stood at 3.3%, amounting to ₹287 crore, with provisions at ₹272 crore.
Subsidiaries also reported performance: Satin Housing Finance Ltd. saw AUM increase by 26.3% to ₹1,101 crore. Satin Finserv Ltd. reported an AUM of ₹759 crore. Satin Technologies Ltd. acquired a strategic stake in QTrino Technologies.
Dr. HP Singh, Chairman cum Managing Director, commented on the long-term value creation, financial discipline, and operational excellence. He highlighted the consistent profitability, improved asset quality, and confidence in delivering a healthy performance and sustainable growth.
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