Satin Creditcare

Q4 FY26

Satin Creditcare Q4 FY26 earnings call: Revenue & Margins

Q4 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

Standalone microfinance AUM growth guidance for FY27 is 15% to 20% year-on-year, targeting INR14,800 to INR15,100 crores. Consol AUM grew 19% in FY26, crossed INR15,000 crores; subsidiaries Satin Finserv and Satin Housing each crossed INR1,000 crores AUM.

From Satin Creditcare's Q4 FY26 earnings-call transcript · updated 23 Aug 2026.

Revenue & Sales Performance

Standalone microfinance AUM growth guidance for FY27 is 15% to 20% year-on-year, targeting INR14,800 to INR15,100 crores.
Consolidated AUM growth expected around 25% to 30%, reflecting strong contributions from subsidiaries Satin Finserv (90% YoY growth) and Satin Housing (38% YoY growth).
Long-term AUM target revised upward from INR25,000 crores to INR32,000 crores by 2030.
Non-MFI AUM expected to constitute 30% of total AUM by 2030.
Consolidated total revenue grew 23% YoY to INR3,161 crores in FY26.

2 more points management made on revenue & sales performance

Profitability & Margins

Consol AUM grew 19% in FY26, crossed INR15,000 crores; subsidiaries Satin Finserv and Satin Housing each crossed INR1,000 crores AUM.
Consol PAT grew 79% YoY (INR330 crores), with Q4 PAT up 640% YoY; no one-offs indicated.
Standalone microfinance AUM growth guidance: 15%-20% for FY27.
Consolidated AUM expected to grow 25%-30% due to strong subsidiary performance.
Credit cost guidance: 3%-3.5% for FY27, improved from previous years.
ROA expected to improve from FY26 levels (~2.6%), possible 3%+ achievable; ROE improved to 12.3%.
Operating earnings (PPOP) grew 23% YoY to INR928 crores.
Treasury and forex gains are non-recurring, core NIM stable ~13%-14%.

2 more points management made on profitability & margins

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

Capital Expenditure Plans

Satin Technologies Limited (STL) represents a significant strategic investment focusing on enterprise technology, HRMS, loan management systems, core banking, cybersecurity, and AI integration.
STL acquired a strategic stake in QTrino, an IIT Patna incubated deep tech cybersecurity firm specializing in post-quantum cryptography, signaling intent for long-term infrastructure-grade capabilities and international expansion (Toronto, Dubai offices).
Satin Growth Alternatives Limited (SGAL) received SEBI approval for a ₹200 crores Category II AIF focused on rural MSMEs with a gender lens, moving towards their first close with strong commitments, enhancing diversification and fee income.

2 more points management made on capital expenditure plans

Fundraising & Capital Structure

The transcript on page 15 and surrounding pages does not explicitly mention any current or planned future fundraising through debt or equity by Satin Creditcare Network Limited.
However, the company highlights strong institutional relationships with 75 active lenders and maintains well-capitalized status with a stand-alone CRAR of 25.4% (page 5).
The management expresses confidence in stable or possibly reducing cost of funds, implying access to cost-effective funding sources (page 11).

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 provided transcript of Satin Creditcare Network Limited's Q4 FY26 earnings call does not specifically mention details about the current or expected order book or pending orders. The discussion primarily centers around financial performance, business strategy, asset under management (AUM) growth, subsidiary updates, credit cost, NIM, yields, and sector outlook. There is no direct reference or disclosure related to order book status or pending orders in this document.

What Satin Creditcare's management said in earlier quarters

Others in Finance this season

Indian Renewable Energy Development Agency Ltd (Q4 FY26)
Revenue from operations for Q4 FY26: Rs 3091 crore . Key concall takeaways from Indian Renewable Energy Development Agency Ltd's Q4 FY26 earnings call — and…
Capital India Finance Ltd (Q4 FY26)
For the year ended 31st March 2026, Capital India Finance Limited reported total income of ₹327.59 crores, up from ₹206.14 crores in FY25, reflecting a…
Crest Ventures Ltd (Q4 FY26)
Segment results show Profit Before Tax of ₹64.54 cr in FY26 versus ₹112.47 cr in FY25, indicating a decline. Key concall takeaways from Crest Ventures Ltd's Q4…
Ashika Global Securities Ltd. (Q4 FY26)
For FY2025-26, the consolidated total income was ₹1,16,910.06 lakhs, up from ₹99,158.03 lakhs in FY2024-25, reflecting a 17.90% year-on-year growth (Page 22)…

Compare:vs Bajaj Finance Ltd vs Bajaj Finserv vs 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 →

Frequently Asked Questions

What were Satin Creditcare Q4 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 Technologies Limited (STL) represents a significant strategic investment focusing on enterprise technology, HRMS, loan management systems, core banking, cybersecurity, and AI integration.

Keep Satin Creditcare 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 earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.