Satin Creditcare

Q1 FY26

Satin Creditcare Q1 FY26 earnings call: Revenue & Margins

Q1 FY26 earnings call: what management guided on revenue, margins and order book.

Price₹224

Market cap₹2.5K Cr

P/E6.1

Updated23 Aug 2026

Read4 min read

The short version

Satin Creditcare Network Limited is not providing explicit growth guidance for the future. - Current consolidated growth is about 9% year-on-year. - The company aims to maintain stable performance with ROA around 1.5-2.1% and ROE around 5.6-9.1%, consistent with past six years. - Q1 typically experiences muted volume growth due to seasonal cycles; however, disbursements have improved year-on-year (INR2,065 crores in Q1 FY26 vs. Satin Creditcare has not provided explicit growth guidance or forward-looking ROA/ROE projections.

From Satin Creditcare's Q1 FY26 earnings-call transcript · updated 23 Aug 2026.

Revenue & Sales Performance

Satin Creditcare Network Limited is not providing explicit growth guidance for the future.
Current consolidated growth is about 9% year-on-year.
The company aims to maintain stable performance with ROA around 1.5-2.1% and ROE around 5.6-9.1%, consistent with past six years.
Q1 typically experiences muted volume growth due to seasonal cycles; however, disbursements have improved year-on-year (INR2,065 crores in Q1 FY26 vs. INR930 crores last year).
The company is expanding its branch network, opening about 188 new branches in the current quarter to support growth plans.

2 more points management made on revenue & sales performance

Profitability & Margins

Satin Creditcare has not provided explicit growth guidance or forward-looking ROA/ROE projections.
Current ROA is about 1.51% and ROE about 5.6%, with consolidated growth around 9%.
Historically, over 6 years listed, Satin maintained an average ROA of 2.1% and ROE of 9.1%, expected to remain stable.
First quarter is seasonally muted but disbursements improved year-on-year, indicating steady operational momentum.
The company targets a reduction in credit cost from 4.6% in FY25.
Expansion plans include opening 188 branches this quarter to support growth.
Operating expense ratios are gradually improving due to cost rationalization despite being elevated.

2 more points management made on profitability & margins

See what Satin Creditcare said on profitability & margins — free account, 30 seconds.

Capital Expenditure Plans

Satin Creditcare has made strategic investments through its subsidiaries in financial services and nonfinancial services to diversify and grow its portfolio.
Satin Housing Finance Limited (subsidiary) has reached an AUM of INR961 crores, focusing on affordable micro housing.
Satin FinServ Limited (subsidiary) is expanding its MSME lending portfolio, growing its retail MSME book by 56% Y-o-Y.
The company is leveraging investments in subsidiaries to transition from unsecured to secured lending and deleverage its portfolio.

2 more points management made on capital expenditure plans

Fundraising & Capital Structure

As of the Q1 FY '26 earnings call on August 11, 2025, Satin Creditcare Network Limited did not explicitly mention any current or upcoming fundraising plans through debt or equity.
The company reported having adequate liquidity of approximately INR 2,000 crores and undrawn sanctions of INR 401 crores, which suggests sufficient internal funding capacity.
The financial position remains strong, with a CRAR of 26% and a debt-to-equity ratio of 2.9x as of June 2025.

2 more points management made on fundraising & capital structure

See what Satin Creditcare said on fundraising & capital structure — free account, 30 seconds.

Order Book & Pipeline

The transcript of Satin Creditcare Network Limited's Q1 FY26 earnings call does not explicitly mention any current or expected order book or pending orders. Key focus areas discussed include: - Portfolio quality improvement and write-offs - Stable ROA (~1.5%) and ROE (~5.6%-7%) - Consolidated AUM growth around 9%, with strong disbursement momentum - Expansion plans including opening 188 branches in the current quarter

2 more points management made on order book & pipeline

What Satin Creditcare's management said in earlier quarters

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Frequently Asked Questions

What were Satin Creditcare Q1 FY26 results?

What is Satin Creditcare share price analysis?

Satin Creditcare currently shows a neutral. The stock trades at a P/E of 6.1 with a market cap of ₹2,492 Cr. Investors should review the full earnings analysis for detailed insights.

Is Satin Creditcare planning capital expenditure?

Satin Creditcare has made strategic investments through its subsidiaries in financial services and nonfinancial services to diversify and grow its portfolio.

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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.