Satin Creditcare Q1FY27: AUM tops ₹16,000 crore

Key update at a glance

Satin Creditcare Network Ltd reported strong operational momentum in Q1FY27, with consolidated assets under management (AUM) reaching ₹16,000 crore and standalone AUM at ₹13,400 crore. The update adds to a run of recent disclosures that also include audited FY26 numbers, unaudited quarterly results, and operating metrics such as asset quality and collection efficiency. The company’s reported financial performance includes sharp year-on-year growth in profit in some periods, and steady AUM expansion over FY25 and FY26. For investors, these data points help frame how the lender is scaling its book, managing credit costs, and converting growth into earnings.

Q1FY27 AUM: where the loan book stands now

The headline operational datapoint in the latest update was AUM. Consolidated AUM was reported at ₹16,000 crore, while standalone AUM stood at ₹13,400 crore. In other disclosures, the company also cited consolidated AUM of ₹15,174 crore, which was described as 19% higher year-on-year. Separately, it has reported consolidated AUM of ₹12,499 crore, up 6.8% year-on-year, and a standalone gross loan portfolio of ₹10,956 crore, up 4.5% year-on-year, in a quarter described as impacted by seasonal headwinds.

These multiple AUM figures refer to different reporting points mentioned in the source text, and together they indicate an upward trajectory over time. The standalone and consolidated AUM split is important because it shows how much of the book is held at the parent entity versus subsidiaries and consolidated entities. It also provides context when comparing profitability and income, since revenue and margins can differ at standalone and consolidated levels.

December 2025 quarter: income growth and a sharp PAT jump

For the quarter ended December 31, 2025, Satin Creditcare reported total income from operations of ₹752.68 crore, up 9.47% year-on-year from ₹687.59 crore. Net profit after tax (PAT) was reported at ₹71.91 crore, up 404.35% year-on-year from ₹14.26 crore. The magnitude of the profit growth stands out compared with the more moderate increase in operating income, implying that factors beyond topline growth played a role in that period’s earnings.

The company also stated it had announced unaudited standalone and consolidated financial results for the quarter and nine months ended December 31, 2025. These results were approved by the Board of Directors and recommended by the Audit Committee. It also confirmed a trading window closure post-announcement and said the results were made available on its website.

Q1 FY25: revenue from operations trend

For the quarter ended June 30, 2025 (Q1 FY25), Satin Creditcare reported standalone revenue from operations of ₹641.13 crore. This was described as a 10.17% year-on-year increase compared to ₹581.92 crore in Q1 FY24. This set of numbers offers a reference point for how operating income was tracking earlier in the cycle, and helps contextualise later periods where both revenue and profitability moved materially.

FY26 audited performance: revenue, total income, EPS

In the audited standalone financial results for the quarter and year ended March 31, 2026, the company reported revenue from operations of ₹919.50 crore in Q4FY26. This was up 49.48% year-on-year from ₹615.13 crore in Q4FY25, and up 24.29% quarter-on-quarter from ₹739.81 crore in Q3FY26.

For the full year FY26, revenue from operations was reported at ₹3,143.03 crore, up 22.23% year-on-year from ₹2,571.38 crore in FY25. Total income for Q4FY26 was ₹922.55 crore versus ₹616.57 crore in Q4FY25, and ₹745.01 crore in Q3FY26. For FY26, total income was reported at ₹3,160.87 crore, up from ₹2,578.60 crore in FY25.

Earnings per share (EPS) was reported at ₹14.73 for Q4FY26. For FY26, EPS stood at ₹30.20 compared to ₹16.92 in FY25.

Other operational metrics: asset quality, collections, funding

Beyond revenue and profit, the company cited several operating indicators. It reported a standalone gross non-performing assets (GNPA) ratio of 3.1% and an ex-bucket collection efficiency of 99.9%. On funding, it stated that it raised ₹10,826 crore during FY ’26 and maintained balance sheet liquidity of ₹2,092 crore.

In another performance snapshot, the company said that despite seasonal headwinds and a reported sector degrowth of 21%, it achieved its 16th consecutive profitable quarter. In that period, consolidated revenue was reported at ₹642 crore, up 10.3% year-on-year, with consolidated PAT of ₹45 crore. Net interest margin (NIM) was reported as stable at 13.48%.

Latest quarter snapshot: revenue and operating profit

The provided data also includes a quarterly snapshot where revenue was reported at ₹708.58 crore, up 14.09% quarter-on-quarter from ₹621.07 crore and up 12.00% year-on-year. Operating profit was reported at ₹301.79 crore, up 13.83% quarter-on-quarter from ₹265.12 crore and up 19.43% year-on-year. While the specific quarter is not identified in the source text, these numbers add context on operating leverage trends.

Stock and valuation context from disclosed figures

The stock was referenced at ₹222, with market capitalisation shown around ₹2.5K crore, and also listed at ₹2,468 crore in another line. The text described the stock as “neutral” and reported a P/E of 7.4.

These figures provide a basic snapshot of market positioning, but they are not a substitute for full valuation work. Still, in lender stocks, investors often track the interaction of AUM growth, asset quality, and earnings momentum with valuation multiples.

Summary table of key disclosed metrics

Company, exchange, and investor support details

The text also includes shareholder and investor contact information. The registrar and share transfer agent (RTA) is MUFG Intime India Pvt. Ltd., with an address in Janakpuri, New Delhi, and email listed as delhi@linkintime.co.in. Satin Creditcare’s corporate office is listed at Plot No. 492, Udyog Vihar, Phase III, Gurugram, Haryana, with landline numbers 0124-4715400/450/499. The registered office is listed as 5th Floor, Kundan Bhawan, Azadpur Commercial Complex, New Delhi.

For grievances, the company asked investors to contact the Company Secretary and Compliance Officer via phone (124)-4715400 or email secretarial@satincreditcare.com. The website listed is www.satincreditcare.com.

Why these updates matter for investors

Across the disclosures, three threads are clear. First, the company is reporting rising AUM across multiple reporting points, culminating in a consolidated AUM figure of ₹16,000 crore for Q1FY27. Second, recent periods included strong reported profit growth, including a sharp year-on-year jump in PAT for the December 2025 quarter. Third, the company has highlighted operating stability through reported NIM, asset quality and collection efficiency, alongside a stated funding raise and liquidity buffer.

The next major checkpoints for tracking performance will be subsequent quarterly results and any further operational updates the company releases through its exchanges and website, along with continued disclosures on credit quality and funding costs.