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Satin Creditcare Network (SATIN)₹260.06−1.31%Microfinance Institutions
In the Sep 2026 quarter (consolidated), Satin Creditcare Network reported revenue of ₹929 Cr, up 18.6% from Sep 2025, and net profit of ₹176 Cr, up 232.1% year on year. For the year to Mar 2026, revenue were ₹3,153 Cr and net profit ₹332 Cr.
Company filings, consolidated accounts; latest reported quarter Sep 2026
| Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 598 | 644 | 635 | 658 | 686 | 617 | 705 | 783 | 742 | 923 | 764 | 929 |
| Interest | 246 | 252 | 250 | 266 | 267 | 263 | 296 | 343 | 288 | 380 | 250 | 334 |
| Net interest income | 352 | 392 | 385 | 393 | 418 | 354 | 409 | 440 | 453 | 543 | 514 | 595 |
| Expenses | 191 | 216 | 236 | 322 | 397 | 326 | 345 | 365 | 354 | 319 | 344 | 350 |
| Financing Profit | 156 | 173 | 145 | 67.92 | 19.01 | 23.98 | 59.97 | 70.99 | 95.87 | 218 | 167 | 240 |
| Financing Margin % | 26.0% | 27.1% | 23.0% | 10.1% | 3.0% | 4.0% | 8.1% | 9.0% | 13.1% | 24.1% | 22.1% | 26.1% |
| Other Income | 1.01 | 5.01 | 1.99 | 1.01 | 4.01 | 0.99 | 5.01 | 4.99 | 4.99 | 2.99 | 3.01 | 2.99 |
| Depreciation | 6.01 | 6.02 | 6.01 | 7.02 | 7.01 | 8.01 | 6.02 | 7.01 | 8.02 | 9.02 | 8.02 | 9.01 |
| Profit before tax | 151 | 171 | 141 | 61.97 | 14.99 | 17.99 | 57.95 | 68.93 | 92.97 | 212 | 161 | 235 |
| Tax % | 25.0% | 25.0% | 25.0% | 27.0% | 5.0% | −20.0% | 22.0% | 23.0% | 23.0% | 24.0% | 24.0% | 25.0% |
| Net Profit | 113 | 128 | 105 | 44.97 | 13.99 | 22.02 | 44.99 | 52.97 | 71.95 | 162 | 123 | 176 |
| EPS (Rs) | 10.23 | 11.60 | 9.52 | 4.04 | 1.28 | 1.97 | 4.07 | 4.82 | 6.50 | 14.68 | 11.09 | 15.91 |
| Gross NPA % | 2.4% | 2.5% | 2.7% | 3.5% | 3.9% | 3.7% | 3.7% | 3.5% | 3.3% | 3.1% | 2.2% | — |
| Net NPA % | 1.0% | 1.0% | 1.1% | 1.4% | 1.5% | 1.4% | 1.4% | 1.2% | 1.1% | 0.9% | 0.3% | — |
| Provision coverage (approx., excl. write-offs) % | 60.4% | 60.2% | 60.4% | 61.2% | 62.2% | 62.4% | 62.2% | 66.2% | 67.1% | 72.8% | 84.9% | — |
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 804 | 1,033 | 1,447 | 1,504 | 1,382 | 1,381 | 1,553 | 2,241 | 2,580 | 3,153 | 3,357 |
| Interest | 435 | 535 | 645 | 588 | 636 | 630 | 616 | 900 | 1,046 | 1,308 | 1,253 |
| Net interest income | 368 | 499 | 802 | 917 | 746 | 751 | 937 | 1,341 | 1,534 | 1,845 | 2,104 |
| Expenses | 321 | 364 | 469 | 682 | 734 | 697 | 908 | 730 | 1,263 | 1,383 | 1,366 |
| Financing Profit | 43.99 | 130 | 326 | 225 | 2.01 | 46.93 | 21.99 | 599 | 257 | 444 | 720 |
| Financing Margin % | 5.0% | 13.1% | 23.1% | 15.1% | 0.0% | 3.0% | 1.0% | 27.1% | 10.1% | 14.1% | 21.5% |
| Other Income | 0.00 | 0.00 | 2.99 | 3.99 | 3.01 | 3.01 | 2.01 | 6.01 | 5.99 | 17.99 | 13.98 |
| Depreciation | 6.02 | 15.04 | 13.03 | 18.03 | 15.04 | 16.03 | 18.05 | 23.06 | 27.04 | 30.07 | 34.07 |
| Profit before tax | 37.97 | 116 | 316 | 212 | −10.01 | 34.01 | 4.99 | 583 | 236 | 432 | 701 |
| Tax % | 34.0% | 35.0% | 36.0% | 27.0% | 43.0% | 39.0% | 8.0% | 25.0% | 21.0% | 23.0% | — |
| Net Profit | 24.99 | 75.04 | 201 | 155 | −13.99 | 21.01 | 5.01 | 436 | 186 | 332 | 533 |
| EPS (Rs) | 4.77 | 11.42 | 29.73 | 21.50 | −1.93 | 2.77 | 0.55 | 39.45 | 16.84 | 30.08 | 48.18 |
| Dividend payout % | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | — |
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 37.03 | 47.00 | 49.01 | 51.94 | 66.00 | 74.97 | 85.09 | 110 | 110 | 110 |
| Reserves | 601 | 839 | 1,103 | 1,399 | 1,422 | 1,510 | 1,546 | 2,295 | 2,437 | 2,760 |
| Borrowings | 3,884 | 5,155 | 5,260 | 5,526 | 6,171 | 5,733 | 5,903 | 7,906 | 8,767 | 10,969 |
| Other Liabilities | 252 | 254 | 323 | 310 | 379 | 332 | 311 | 175 | 254 | 526 |
| Total Liabilities | 4,776 | 6,296 | 6,733 | 7,287 | 8,039 | 7,649 | 7,846 | 10,485 | 11,568 | 14,366 |
| Fixed Assets | 73.21 | 75.30 | 81.34 | 94.35 | 131 | 127 | 129 | 133 | 138 | 155 |
| CWIP | 11.99 | 15.99 | 16.01 | 34.01 | 3.99 | 0.00 | 0.00 | 0.00 | 0.00 | 11.99 |
| Investments | 20.93 | 71.77 | 263 | 245 | 0.99 | 48.84 | 61.78 | 55.85 | 54.84 | 151 |
| Other Assets | 4,670 | 6,133 | 6,373 | 6,913 | 7,903 | 7,474 | 7,655 | 10,296 | 11,375 | 14,048 |
| Trade receivables | 6.01 | 12.01 | 12.02 | 12.02 | 19.04 | 3.01 | 5.01 | 8.01 | 2.01 | 8.01 |
| Cash & equivalents | 1,132 | 1,136 | 1,760 | 1,885 | 1,960 | 2,003 | 1,116 | 1,273 | 1,376 | 2,255 |
| Total Assets | 4,776 | 6,296 | 6,733 | 7,287 | 8,039 | 7,649 | 7,846 | 10,485 | 11,568 | 14,366 |
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from operating activity | −969 | −1,545 | 613 | −226 | −948 | 337 | −959 | −2,074 | −565 | −977 |
| Cash from investing activity | −35.93 | −54.92 | −187 | 55.90 | 226 | −50.90 | −72.92 | −27.95 | −44.96 | −123 |
| Cash from financing activity | 1,392 | 1,389 | 87.67 | 242 | 731 | −440 | 389 | 2,254 | 910 | 1,866 |
| Net cash flow | 395 | −203 | 511 | 72.85 | 14.98 | −157 | −638 | 166 | 305 | 776 |
| Capex | 35.92 | 20.94 | 18.95 | 0.00 | 19.95 | 5.99 | 9.97 | 12.96 | 19.95 | 28.92 |
| Free cash flow | −1,007 | −1,567 | 594 | −205 | −969 | 332 | −969 | −2,087 | −584 | −1,005 |
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 4.0% | 10.0% | 20.0% | 12.0% | −1.0% | 1.0% | 0.0% | 22.0% | 8.0% | 12.0% |
For the Sep 2026 quarter, Satin Creditcare Network reported revenue of ₹929 Cr, up 18.6% year on year and net profit of ₹176 Cr, up 232.1% year on year.
Satin Creditcare Network's revenue for the year to Mar 2026 were ₹3,153 Cr; over the last twelve months they were ₹3,357 Cr.
Net profit for the year to Mar 2026 was ₹332 Cr, and ₹533 Cr over the last twelve months. Earnings per share over the same trailing period were ₹48.18.
Cash from operations was −₹977 Cr in the year to Mar 2026; after capital spending, free cash flow was −₹1,005 Cr.