Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.
Financials of Satin Creditcare Network Ltd
Quarter-by-quarter operating performance
| Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 429 | 462 | 538 | 596 | 642 | 633 | 657 | 684 | 615 | 709 | 788 | 740 | 920 |
| Interest | 158 | 185 | 217 | 247 | 252 | 251 | 266 | 268 | 264 | 297 | 344 | 289 | 381 |
| Expenses + | 132 | 156 | 173 | 192 | 217 | 237 | 323 | 398 | 327 | 352 | 373 | 355 | 320 |
| Financing Profit | 139 | 121 | 148 | 156 | 173 | 145 | 68 | 19 | 24 | 60 | 71 | 96 | 218 |
| Financing Margin % | 32% | 26% | 28% | 26% | 27% | 23% | 10% | 3% | 4% | 8% | 9% | 13% | 24% |
| Other Income + | 0 | 1 | 1 | 1 | 5 | 2 | 1 | 4 | 1 | 5 | 5 | 5 | 3 |
| Depreciation | 8 | 4 | 6 | 6 | 6 | 6 | 7 | 7 | 8 | 6 | 7 | 8 | 9 |
| Profit before tax | 132 | 118 | 143 | 151 | 171 | 141 | 62 | 15 | 18 | 58 | 69 | 93 | 212 |
| Tax % | 25% | 25% | 25% | 25% | 25% | 25% | 27% | 5% | -20% | 22% | 23% | 23% | 24% |
| Net Profit + | 99 | 88 | 107 | 113 | 128 | 105 | 45 | 14 | 22 | 45 | 53 | 72 | 162 |
| EPS in Rs | 11.57 | 9.93 | 10.72 | 10.24 | 11.61 | 9.53 | 4.05 | 1.29 | 1.98 | 4.08 | 4.81 | 6.51 | 14.67 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Financials of Satin Creditcare Network Ltd
Annual income statement trend
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 801 | 1,031 | 1,443 | 1,500 | 1,377 | 1,378 | 1,549 | 2,234 | 2,595 | 3,143 |
| Interest | 436 | 536 | 646 | 589 | 638 | 631 | 617 | 901 | 1,049 | 1,311 |
| Expenses + | 322 | 365 | 471 | 685 | 737 | 700 | 911 | 733 | 1,290 | 1,387 |
| Financing Profit | 44 | 130 | 326 | 225 | 2 | 47 | 22 | 600 | 256 | 445 |
| Financing Margin % | 5% | 13% | 23% | 15% | 0% | 3% | 1% | 27% | 10% | 14% |
| Other Income + | 0 | 0 | 3 | 4 | 3 | 3 | 2 | 6 | 7 | 18 |
| Depreciation | 6 | 15 | 13 | 18 | 15 | 16 | 18 | 23 | 27 | 30 |
| Profit before tax | 38 | 116 | 316 | 212 | -10 | 34 | 5 | 583 | 236 | 432 |
| Tax % | 34% | 35% | 36% | 27% | 43% | 39% | 8% | 25% | 21% | 23% |
| Net Profit + | 25 | 75 | 201 | 155 | -14 | 21 | 5 | 436 | 186 | 332 |
| EPS in Rs | 4.78 | 11.43 | 29.72 | 21.52 | -1.94 | 2.76 | 0.56 | 39.46 | 16.85 | 30.07 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Financials of Satin Creditcare Network Ltd
Capital structure and asset base
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 37 | 47 | 49 | 52 | 66 | 75 | 85 | 110 | 110 | 110 |
| Reserves | 600 | 838 | 1,101 | 1,397 | 1,420 | 1,507 | 1,543 | 2,291 | 2,433 | 2,753 |
| Borrowing | 3,889 | 5,161 | 5,271 | 5,542 | 6,181 | 5,744 | 5,911 | 7,910 | 8,791 | 10,991 |
| Other Liabilities + | 251 | 253 | 321 | 309 | 377 | 330 | 310 | 174 | 253 | 532 |
| Total Liabilities | 4,778 | 6,299 | 6,741 | 7,300 | 8,045 | 7,655 | 7,850 | 10,485 | 11,587 | 14,387 |
| Fixed Assets + | 73 | 75 | 81 | 94 | 131 | 126 | 129 | 133 | 137 | 159 |
| CWIP | 12 | 16 | 16 | 34 | 4 | 0 | 0 | 0 | 0 | 7 |
| Investments | 21 | 72 | 264 | 246 | 1 | 49 | 62 | 51 | 55 | 151 |
| Other Assets + | 4,672 | 6,136 | 6,380 | 6,926 | 7,909 | 7,481 | 7,659 | 10,301 | 11,395 | 14,069 |
| Total Assets | 4,778 | 6,299 | 6,741 | 7,300 | 8,045 | 7,655 | 7,850 | 10,485 | 11,587 | 14,387 |
Financials of Satin Creditcare Network Ltd
Operating, investing and financing cash movement
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity + | -966 | -1,541 | 611 | -225 | -945 | 336 | -956 | -2,069 | -563 | -974 |
| Cash from Investing Activity + | -36 | -55 | -187 | 56 | 226 | -51 | -73 | -24 | -45 | -123 |
| Cash from Financing Activity + | 1,398 | 1,394 | 88 | 243 | 734 | -442 | 390 | 2,259 | 914 | 1,873 |
| Net Cash Flow | 395 | -203 | 512 | 73 | 15 | -157 | -639 | 166 | 305 | 777 |
| Free Cash Flow | -1,003 | -1,562 | 592 | -204 | -965 | 331 | -966 | -2,081 | -582 | -1,002 |
| CFO/OP | -196% | -230% | 70% | -19% | -146% | 56% | -144% | -136% | -37% | -54% |
Financials of Satin Creditcare Network Ltd
Working capital efficiency and return ratios
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 4% | 10% | 20% | 12% | -1% | 1% | 0% | 22% | 8% | 12% |