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Satin Creditcare Q3 FY26 PAT Surges 404% YoY to ₹72 Cr; AUM Grows 10%
Satin Creditcare reported a robust performance for Q3 FY26, with consolidated Net Profit jumping 404% YoY to ₹72 crore. Consolidated Assets Under Management (AUM) grew 10% YoY to ₹13,341 crore, supported by a 14% increase in quarterly disbursements. Asset quality showed sequential improvement as PAR 1 reduced to 4.7% from 5.8% in Q2 FY26, while maintaining a high collection efficiency of 99.8% in the X bucket. The company remains well-capitalized with a CRAR of 24.64% and a consolidated book value per share of ₹244.
Key Highlights
Consolidated PAT for Q3 FY26 increased by 404% YoY to ₹72 crore; 9M FY26 PAT stood at ₹170 crore.
Consolidated AUM reached ₹13,341 crore, marking a 10% YoY growth with disbursements rising 14% in Q3.
Asset quality improved with PAR 1 declining to 4.7% from 5.8% QoQ; GNPA stood at 3.3%.
Capital Adequacy Ratio remains strong at 24.64% with liquidity of ₹2,283 crore as of Dec 31, 2025.
Satin Housing Finance subsidiary reported 26.3% YoY AUM growth, crossing the ₹1,100 crore mark.
💼 Action for Investors
Investors should monitor the sustained improvement in asset quality and the growth of the housing finance subsidiary as diversifiers. The stock appears fundamentally stable with 18 consecutive profitable quarters and a healthy capital buffer.
Satin Creditcare Q3 FY26 Standalone PAT Surges 125% YoY to ₹70.65 Crore
Satin Creditcare Network Limited reported a significant jump in standalone net profit for the quarter ended December 31, 2025, reaching ₹70.65 crore compared to ₹31.35 crore in the previous year's corresponding quarter. Total income for the quarter grew by 9.5% YoY to ₹670.41 crore. For the nine-month period of FY26, the company maintained a stable performance with a PAT of ₹165.13 crore. The company's financial health remains robust with a net worth of ₹2,972.64 crore and a debt-equity ratio of 2.91.
Key Highlights
Standalone Net Profit for Q3 FY26 rose 125% YoY to ₹70.65 crore from ₹31.35 crore.
Total Income for the quarter increased to ₹670.41 crore, up from ₹612.07 crore in Q3 FY25.
Basic EPS for the quarter improved significantly to ₹6.42 from ₹2.85 in the same period last year.
Net Worth as of December 31, 2025, reached ₹2,972.64 crore with a Debt-Equity ratio of 2.91.
The company transferred loan assets worth ₹96.94 crore through direct assignment during the quarter.
💼 Action for Investors
The strong quarterly profit growth and healthy debt-equity levels suggest improving operational efficiency for the microfinance lender. Investors should continue to hold while monitoring asset quality and the impact of the new labor codes on future operating costs.