Satin Creditcare Network Ltd

Q2 FY26Finance

Satin Creditcare Network Q2 FY26 investor presentation: Revenue & Margins

Q2 FY26 investor presentation: what the company reported on revenue, margins and projects.

Price₹231

Market cap₹2.6K Cr

P/E6.2

Updated16 Oct 2026

Read4 min read

Based on Satin Creditcare Network Ltd's Q2 FY26 investor presentation. The company has not published an earnings-call transcript for this quarter, so figures here are what the investor presentation reports, not management guidance.

The short version

Total Income (Consolidated) for Q2-FY26: INR 793 Crores, up 16.6% YoY (Page 14) - Interest Income (Consolidated): INR 597 Crores, up 7.6% YoY (Page 16) - Disbursement (Consolidated): INR 2,626 Cro EBITDA / PPOP for Q2-FY26: - Consolidated: INR 45 Crores (Page 14) - Standalone: INR 204 Crores (Page 13 shows Operating Expenses INR 204 Crores and Net Interest Income INR 404 Crores, implyin

From Satin Creditcare Network Ltd's Q2 FY26 earnings-call transcript · updated 16 Oct 2026.

Revenue & Sales Performance

- Total Income (Consolidated) for Q2-FY26: INR 793 Crores, up 16.6% YoY (Page 14) - Interest Income (Consolidated): INR 597 Crores, up 7.6% YoY (Page 16) - Disbursement (Consolidated): INR 2,626 Crores, up 3.9% YoY (Page 14) - AUM (Consolidated): INR 12,687 Crores, up 8.0% YoY (Page 24) - Active Clients: ~33.3 Lakhs with a noted decline due to curtailed additions and write-offs (Pages 13, 11) - Standalone Total Revenue for Q2-FY26: INR 404 Crores (net interest income) up 12.8% YoY (Page 13) **Outlook/Guidance:**

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Profitability & Margins

EBITDA / PPOP for Q2-FY26:
Consolidated: INR 45 Crores (Page 14)
Standalone: INR 204 Crores (Page 13 shows Operating Expenses INR 204 Crores and Net Interest Income INR 404 Crores, implying operating profitability)
Operating Margin (approximate from info):
Operating Expense Ratio (Standalone) Q2-FY26: 26.32% (Page 19)
Profit After Tax (PAT) for Q2-FY26:
Consolidated PAT: INR 53 Crores, +18.2% YoY (Page 16)
Standalone PAT: INR 52 Crores, +24.8% YoY (Page 13)
Explicit Margin Outlook:
Guidance targets credit cost lower than FY25 levels (4.6%) (Page 10)

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Capital Expenditure Plans

The investor presentation does not explicitly describe any capex, capacity expansion, or new plant/project with amounts, status, or timelines. However, it mentions: - Opening of 162 new branches across PAN India in H1-FY26, indicating geographical expansion and branch network growth. - Slight dip in operating efficiency due to opening of new branches during H1-FY26.

- Increase in employee count and loan officers supporting branch expansion. - No specific capital expenditure or project timelines related to new plants or major physical infrastructure investments are detailed in the presentation. Summary: The presentation highlights branch expansion as the primary capacity growth activity but does not provide specific capex amounts, project status, or formal timelines.

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Top-ranked in Finance

Ranked on what management guided this quarter

Guidance-ranked

1Mufin Green₹2.7K Cr

Rev 1Mar 1

2Akiko₹464 Cr

Rev 1Mar 1

3₹961 Cr

Rev 1Mar 2

4₹1.4L Cr

Rev 1Mar 3

5₹23.8K Cr

Rev 1Mar 3

Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.

Fundraising & Capital Structure

The presentation does not explicitly mention any new fundraising through debt or equity in the disclosed period.
Debt details show a steady increase in total debt from INR 5,497 Crores in FY23 to INR 8,527 Crores in H1-FY26, reflecting growth but no specific fundraising event is highlighted (Page 8).
The funding base is diversified, with 75% domestic and 25% foreign sources, including term loans, NCDs, ECBs, and commercial paper (Page 8).
Forex borrowings are 100% hedged, indicating active management of existing debt (Page 15).

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Order Book & Pipeline

The investor presentation does not explicitly report on order book, order inflow, or pending orders. Instead, it provides details related to: - Assets Under Management (AUM) and growth trends (Page 24, 23) - Disbursements and their quarterly/half-yearly figures (Pages 16, 17, 18, 24) - Active clients and branches (Pages 3, 10, 14, 17, 18, 24) - Operational and financial performance like income, profit, and credit cost (Pages 14, 15, 16) - Geographic portfolio distribution and asset quality (Page 21)

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Frequently Asked Questions

What were Satin Creditcare Network Ltd Q2 FY26 results?

What is Satin Creditcare Network Ltd share price analysis?

Satin Creditcare Network Ltd currently shows a neutral. The stock trades at a P/E of 6.2 with a market cap of ₹2,553 Cr. Investors should review the full earnings analysis for detailed insights.

Is Satin Creditcare Network Ltd planning capital expenditure?

The investor presentation does not explicitly describe any capex, capacity expansion, or new plant/project with amounts, status, or timelines.

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

Revenue & Sales Performance

Profitability & Margins

Capital Expenditure Plans

Top-ranked in Finance

Fundraising & Capital Structure

Order Book & Pipeline

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What Satin Creditcare Network Ltd's management said in earlier quarters

Others in Finance this season

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Frequently Asked Questions

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