Arthneeti
All Q2 FY27 results →
SC

Satin Creditcare Network Ltd

Q2 FY27Finance

Satin Creditcare Network Q2 Results 2026 (FY27): Revenue ₹816 Cr, PAT ₹172 Cr

Q2 FY27 investor presentation: what the company reported on revenue, margins and capex.

Price₹224
Market cap₹2.5K Cr
P/E6.0
Updated28 Oct 2026
Read5 min read

Based on Satin Creditcare Network Ltd's Q2 FY27 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

Standalone Q2FY27: - Total Revenue*: ₹816 Crores, +28% YoY (Page 14) - AUM: ₹13,608 Crores, +23% YoY (Page 14) - Disbursement: ₹3,101 Crores, +28% YoY (Page 14) - Active Clients: 33.1 Lakhs, EBITDA / PPOP (Profit Before Provisions, which approximates operating profit) for Q2FY27: - Standalone PPOP: ₹533 Crores (from page 32, indirectly derived as Net Interest Income minus operating expenses and credit cost; exact PPOP on page 19 is ₹533 Crores for Q2FY27) - Consolidated PPOP: ₹594 Crores (page 30) - Year-on-year growth: Standalone and Consolidated PPOP grew by around 34-35% YoY (Net Interest Income up 34-35%, Opex and credit costs lower YoY, profit before tax up 241-242%) - Operating Margin / Cost to Income Ratio: - Standalone Cost to Income Ratio Q2FY27: 41.6%, improved from 49.8% YoY (page 18) - Consolidated Cost to Income Ratio Q2FY27: 45.4%, improved from 51.9% YoY (page 16) - Operating expense elevated due to branch expansion (page 32 note) - Profit After Tax (PAT) for Q2FY27: - Standalone PAT: ₹172 Crores, 231% YoY growth (page 32) - Consolidated PAT: ₹176 Crores, 231% YoY growth (page 30) - Explicit Margin Outlook:

From Satin Creditcare Network Ltd's Q2 FY27 earnings-call transcript · updated 28 Oct 2026.

Revenue & Sales Performance

  • Standalone Q2FY27:
  • Total Revenue*: ₹816 Crores, +28% YoY (Page 14)
  • AUM: ₹13,608 Crores, +23% YoY (Page 14)
  • Disbursement: ₹3,101 Crores, +28% YoY (Page 14)
  • Active Clients: 33.1 Lakhs, +2% YoY (Page 17)
  • Consolidated Q2FY27:
  • Total Revenue*: ₹933 Crores, +31% YoY (Page 13)
  • AUM: ₹16,589 Crores, +31% YoY (Page 13)
  • Disbursement: ₹3,697 Crores, +41% YoY (Page 13)
  • Active Clients: 34.1 Lakhs, +2% YoY (Page 13)

2 more points from Satin Creditcare Network Ltd's call on revenue

Create a free account to keep reading this call

Profitability & Margins

  • EBITDA / PPOP (Profit Before Provisions, which approximates operating profit) for Q2FY27:
  • Standalone PPOP: ₹533 Crores (from page 32, indirectly derived as Net Interest Income minus operating expenses and credit cost; exact PPOP on page 19 is ₹533 Crores for Q2FY27)
  • Consolidated PPOP: ₹594 Crores (page 30)
  • Year-on-year growth: Standalone and Consolidated PPOP grew by around 34-35% YoY (Net Interest Income up 34-35%, Opex and credit costs lower YoY, profit before tax up 241-242%)
  • Operating Margin / Cost to Income Ratio:
  • Standalone Cost to Income Ratio Q2FY27: 41.6%, improved from 49.8% YoY (page 18)
  • Consolidated Cost to Income Ratio Q2FY27: 45.4%, improved from 51.9% YoY (page 16)
  • Operating expense elevated due to branch expansion (page 32 note)
  • Profit After Tax (PAT) for Q2FY27:
  • Standalone PAT: ₹172 Crores, 231% YoY growth (page 32)
  • Consolidated PAT: ₹176 Crores, 231% YoY growth (page 30)

2 more points from Satin Creditcare Network Ltd's call on margins

Create a free account to keep reading this call

Capital Expenditure Plans

It primarily focuses on: - Business growth metrics such as AUM growth, disbursement, client additions, and branch expansion (e.g., 2,075 branches across 27 states and 5 UTs). - Technology enablement with digital onboarding, AI, machine learning, and paperless lending supporting scalable growth.

2 more points from Satin Creditcare Network Ltd's call on capex

Create a free account to keep reading this call

Top-ranked in Finance

Ranked on what management guided this quarter

Guidance-ranked
1Mufin Green
Rev 1Mar 1
2Akiko
Rev 1Mar 1
3
Rev 1Mar 2
4
Rev 1Mar 3
5
Rev 1Mar 3
Sign up free to see 3 moreTakes 30 seconds · no cardSign up

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

Fundraising & Capital Structure

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

Order Book & Pipeline

See what Satin Creditcare Network Ltd said on order book & pipeline — free account, 30 seconds.

Continue your research

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

Others in Finance this season

  • MAS Financial Services Ltd (Q2 FY27)

    Standalone Revenue (Q2 FY27):** ₹322 crore Net Interest Income (NII), up 30.35% YoY from ₹247 crore (Q2 FY26). Key investor presentation takeaways from MAS Fina

  • PNB Housing Finance Ltd (Q2 FY27)

    Total Income for Q2 FY27: INR 2,293 crore, up 13% YoY (Page 33) . Key investor presentation takeaways from PNB Housing Finance Ltd's Q2 FY27 investor presentati

  • Cholaman.Inv.&Fn (Q2 FY27)

    Overall disbursements grew 47% YoY in Q2 FY27 to ₹35,872 Cr (Q2 FY26: ₹24,442 Cr) and 34% in H1 FY27 to ₹65,484 Cr (H1 FY26: ₹48,767 Cr). Key investor presentat

  • Capri Global Capital Ltd (Q2 FY27)

    Total Income: ₹10,854 mn, up 59% YoY (Page 32) . Key investor presentation takeaways from Capri Global Capital Ltd's Q2 FY27 investor presentation — and how it

Compare:vs Bajaj Financevs Bajaj Finservvs Shriram Finance Ltd

🔎 Who's planning the most growth?

Companies ranked by management's own guidance — revenue, margins, capex and order book, from every earnings call in India.

See rankings →

Arthneeti Pro · Annual

Satin Creditcare Network Ltd and 15K+ more earnings calls,
for less than your morning chai

a day

Every earnings call, ranking and concall Q&A across all four results seasons.

Secure Razorpay payment · instant access

Frequently Asked Questions

What were Satin Creditcare Network Ltd Q2 FY27 results?

Standalone Q2FY27: - Total Revenue*: ₹816 Crores, +28% YoY (Page 14) - AUM: ₹13,608 Crores, +23% YoY (Page 14) - Disbursement: ₹3,101 Crores, +28% YoY (Page 14) - Active Clients: 33.1 Lakhs, EBITDA / PPOP (Profit Before Provisions, which approximates operating profit) for Q2FY27: - Standalone PPOP: ₹533 Crores (from page 32, indirectly derived as Net Interest Income minus operating expenses and credit cost; exact PPOP on page 19 is ₹533 Crores for Q2FY27) - Consolidated PPOP: ₹594 Crores (page 30) - Year-on-year growth: Standalone and Consolidated PPOP grew by around 34-35% YoY (Net Interest Income up 34-35%, Opex and credit costs lower YoY, profit before tax up 241-242%) - Operating Margin / Cost to Income Ratio: - Standalone Cost to Income Ratio Q2FY27: 41.6%, improved from 49.8% YoY (page 18) - Consolidated Cost to Income Ratio Q2FY27: 45.4%, improved from 51.9% YoY (page 16) - Operating expense elevated due to branch expansion (page 32 note) - Profit After Tax (PAT) for Q2FY27: - Standalone PAT: ₹172 Crores, 231% YoY growth (page 32) - Consolidated PAT: ₹176 Crores, 231% YoY growth (page 30) - Explicit Margin Outlook:

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 6.0 with a market cap of ₹2,475 Cr. Investors should review the full earnings analysis for detailed insights.

Keep Satin Creditcare Network Ltd on your radar — track it to get its next earnings analysis in your feed.

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.