| Metric | Value (₹ Cr) | Q3 FY26 | Q4 FY25 |
|---|---|---|---|
| Revenue | 919.50 | 23.0% | 48.0% |
| Total Income | 922.55 | 22.6% | 48.2% |
| Expenditure | 710.39 | 7.7% | 17.6% |
| PBT | 212.16 | 127.8% | 1063.9% |
| Net Profit | 162.05 | 125.3% | 640.2% |
| OPM | 65.15% | 13.61pp | 18.77pp |
| NPM | 17.56% | 8.01pp | 14.04pp |
| EPS | 14.73 | 125.2% | 640.2% |
Satin Creditcare FY26 PAT Up 78.5% YoY to ₹332 Cr
11 May 2026 · 11 May, 5:32 pm
Summary
Satin Creditcare Network Limited reported a robust performance for Q4 FY26 and the full financial year ended March 31, 2026. Consolidated Profit After Tax for Q4 FY26 witnessed an exceptional 640.5% year-on-year surge to ₹162 Crores, contributing to a full-year PAT of ₹332 Crores, up 78.5% YoY. Total consolidated revenue for Q4 FY26 grew by 49.6% to ₹923 Crores, driven by strong disbursement growth and an 18.7% rise in Assets under Management to ₹15,174 Crores for FY26. The company also demonstrated strengthening asset quality with an improved standalone PAR 1 of 3.7% and maintained a strong capital adequacy ratio of 25.4% and robust liquidity, reflecting disciplined credit execution and financial health.
Key Highlights
- 1
Consolidated Profit After Tax (PAT) for Q4 FY26 surged by an exceptional 640.5% year-on-year to ₹162 Crores, marking the company's 19th consecutive profitable quarter.
- 2
Total Revenue on a consolidated basis for Q4 FY26 grew significantly by 49.6% year-on-year, reaching ₹923 Crores, while full-year FY26 consolidated revenue stood at ₹3,161 Crores, up 22.6% YoY.
- 3
Assets under Management (AUM) on a consolidated basis increased by 18.7% to ₹15,174 Crores for FY26, supported by consolidated disbursements of ₹12,514 Crores, up 17.4% YoY.
- 4
The company demonstrated strengthening asset quality, with standalone PAR 1 improving to 3.7% in Q4 FY26 from 4.7% in Q3 FY26, alongside a robust collection efficiency of 99.9% for the X bucket.
- 5
Satin Creditcare maintained a strong capital base, boasting a capital adequacy ratio of 25.4% and healthy balance sheet liquidity of ₹2,092 Crores as of March 31, 2026.
- 6
Cost of borrowings on a standalone basis reduced by 43 bps year-on-year, standing at 10.82% in March 2026, contributing to improved profitability.
- 7
Subsidiaries performed well, with Satin Housing Finance Ltd. witnessing a 38% YoY AUM growth to ₹1,267 Crores and Satin Finserv Ltd. recording an impressive 92.5% YoY AUM growth to ₹1,054 Crores in FY26.
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