Earnings Call/Transcript
Satin Creditcare Q2 FY27 Earnings Call Transcript
Satin Creditcare filed the transcript of its Q2 and H1 FY27 earnings call held on October 29, 2026.
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Finance
Microfinance Institutions
2,902 Cr
Low Risk
5.5
16.7
0.9
0.9
274.20
136.25
Sales CAGR
Profit CAGR
ROE
ROCE

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Satin Creditcare Network Ltd (SATIN) is currently trading at 261.25 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.
Satin Creditcare Network Limited is a diversified Indian non-banking financial company primarily providing microfinance loans to rural and urban low-income borrowers, especially women organized into Joint Liability Groups. It also operates MSME lending, housing finance, technology, and alternative investment businesses through subsidiaries, supported by a broad branch and field distribution network. Satin delivered its strongest reported first-half performance, with consolidated profit after tax reaching INR299 crore compared with INR98 crore in H1 FY26. Standalone PAT reached INR292 crore, nearly matching the entire FY26 profit in six months, while the company completed its 21st consecutive profitable quarter. Asset quality improved materially, with standalone GNPA declining to 1.9%, PAR 1 reducing to 2.9%, and H1 slippages falling 68% year-on-year to INR103 crore. Provision coverage rose to 133%, while management continued building a discretionary overlay, taking the cumulative buffer to INR50 crore despite sharply lower credit costs. Consolidated AUM grew 31% year-on-year to INR16,589 crore, while non-microfinance businesses increased to 20% of consolidated AUM from 15% a year earlier. Satin Finserv was the fastest-growing subsidiary, whereas Satin Housing Finance deliberately slowed origination to redesign its model around rural affordable housing. Management is targeting INR32,000 crore consolidated AUM by FY30, with approximately 30% outside microfinance. Funding access appears comfortable, supported by INR4,600 crore of undrawn sanctions, INR2,235 crore liquidity, 69 active lenders, 27.89% capital adequacy, and INR100 crore of promoter warrants committed at a premium.
Over the past 52 weeks, Satin Creditcare Network Ltd has traded between a low of ₹136.25 and a high of ₹274.20. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.
Satin Creditcare Network Ltd has a market capitalization of approximately 2,902.07. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.
Satin Creditcare Network Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 5.45 and operates in the its sector sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.
Based on its market capitalization of 2,902.07 Cr, Satin Creditcare Network Ltd is classified as a Small Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.
Satin Creditcare Network Ltd operates in the its sector sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.
The Price-to-Earnings (PE) ratio of Satin Creditcare Network Ltd is 5.45. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.
Satin Creditcare reported standalone profit after tax of Rs 292 crore in H1 FY27. Management described this as its highest-ever first-half standalone profit, and it was Rs 10 crore below the Rs 302 crore reported for all of FY26.
Satin Creditcare's internal target is about Rs 100 crore. It had built a cumulative Rs 50 crore by Q2 FY27, including a Rs 14 crore addition during the quarter. Management said it may decide not to add more if it concludes the buffer is sufficient.
Satin said about 14.5% is its stable annual and cross-cycle NIM target. Management said quarterly results can move above or below that level because of operating costs, liquidity conditions and DA activity. The reported quarterly NIM was 15.9%.
Satin Creditcare Network’s board is scheduled to consider and approve unaudited Q2 and H1 FY27 standalone and consolidated results on October 28, 2026.
