Satin Creditcare Reports Strong Q2 FY26 Results with 21% Revenue Growth and 19% PAT Rise
Satin Creditcare reported strong Q2 FY26 results with consolidated PAT up 19% to ₹53 crore and revenue up 21% to ₹793 crore, marking its 17th consecutive profitable quarter.
Strong quarterly financial results, particularly those showing significant growth and consistent profitability, have a high impact on investor sentiment, stock valuation, and the company's market perception.
The company reported strong financial performance with significant year-on-year growth in revenue and PAT, consistent profitability for 17 consecutive quarters, healthy asset quality, and strategic expansion into new markets and subsidiaries, all indicating a positive outlook.
Satin Creditcare Network Limited (SCNL) announced its unaudited financial results for the quarter and half year ended September 30, 2025, marking its 17th consecutive profitable quarter.
Consolidated Highlights (Q2 FY26 vs Q2 FY25): * Total Revenue: Grew 20.58% to ₹793 crore from ₹657 crore. * Net Interest Income (NII): Increased 14.60% to ₹449 crore from ₹391 crore. * Profit After Tax (PAT): Rose 18.95% to ₹53 crore from ₹45 crore. * Assets Under Management (AUM): Stood at ₹12,687 crore, up 7.99% from ₹11,749 crore. * Disbursement: ₹2,625 crore, a slight increase of 0.25% from ₹2,619 crore. Standalone Highlights (Q2 FY26 vs Q2 FY25): * Total Revenue: Increased 19.22% to ₹716 crore from ₹601 crore. * Profit After Tax (PAT): Grew 24.85% to ₹52 crore from ₹42 crore. * Assets Under Management (AUM): Stood at ₹11,044 crore, up 5.55% from ₹10,463 crore. * Disbursement: ₹2,421 crore, up 6.41% from ₹2,275 crore. Key Updates for Q2 FY26: * Maintained steady disbursement momentum of ₹2,421 crore, growing 6.41% YoY. * Asset quality remains intact with PAR 90 at 3.5% as of September 2025. * Introduced Natural Calamity Insurance for incremental disbursements from September 2025. * Rejection Rates stood at 64%, driven by tighter credit evaluation. * Strategic entry into Mizoram in July 2025, strengthening its leadership in the Northeast. * Opened 162 new branches in H1-FY26. Capital Adequacy and Liquidity: * Capital adequacy ratio of 26.3% as on September 2025. * Healthy balance sheet liquidity of ~₹2,300 crore and undrawn sanctions of ~₹732 crore. Borrowing Profile: * Total borrowings: ₹8,597 crore as on September 2025. * Debt-to-equity ratio: 2.9x. * Diversified lender base with 69% from banks. Asset Quality: * On-book Gross Non-Performing Assets (GNPA) at 3.5%, amounting to ₹293 crore. * On-book provisions of ₹308 crore (3.7% of on-book portfolio). * Collection against write-offs of ₹15 crore during H1-FY26. Subsidiaries: * Satin Housing Finance Ltd.: AUM grew 20% YoY to ₹1,022 crore, PAT for H1-FY26 stood at ₹2.1 crore. * Satin Finserv Ltd. (MSME arm): AUM of ₹621 crore, grew 49% YoY, PAT for H1-FY26 stood at ₹2.4 crore. * Satin Technologies Ltd.: Offers advanced HRMS and Loan Management Platform. * Satin Growth Alternatives Ltd.: Incorporated in August 2025 to act as Investment Manager of a Fund (AIF) under SEBI regulations, focusing on debt capital for MSMEs, especially women-led enterprises.
Dr. HP Singh, Chairman cum Managing Director, stated that Satin Creditcare continued its strong trajectory, delivering resilient performance and consistent profitability in Q2-FY26 with a robust 19% YoY PAT growth and 21% YoY revenue growth. He highlighted the focus on operational discipline, risk management, and the success of their diversification strategy into affordable housing, MSME lending, and technology-driven solutions. Dr. Singh also emphasized the advancement of Satin Growth Alternatives Ltd. to address unmet financing needs of MSMEs and women-led enterprises, reinforcing the commitment to inclusive finance and long-term value creation.
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