Satin Creditcare Network Reports Strong Q4 FY26 Performance, Achieving Consolidated PAT of ₹ 162 Crores
Satin Creditcare Network Limited (SCNL) announced its audited financial results for the fourth quarter and the financial year ended March 31, 2026. The results show the company achieving a Profit After Tax (PAT) of ₹ 162 Crores in Q4 FY26, marking its 19th consecutive profitable quarter.The financial highlights show significant growth across key metrics for both the consolidated and standalone segments.
Consolidated Financial Highlights (₹ Crores)
The company's consolidated financial metrics demonstrated robust year-over-year growth (YoY) across multiple parameters for FY26.| Particulars (₹ Crores) | FY26 | FY25 | %Change | Q4 FY26 | Q4 FY25 | %Change |
|---|---|---|---|---|---|---|
| Assets under Management (AUM) | 15,174 | 12,784 | 18.7% | 15,174 | 12,784 | 18.7% |
| Disbursement | 12,514 | 10,663 | 17.4% | 4,420 | 3,095 | 42.8% |
| Total Revenue | 3,161 | 2,579 | 22.6% | 923 | 617 | 49.6% |
| Pre-provision Operating Profit (PPOP) | 928 | 754 | 23.1% | 291 | 128 | 127.1% |
| Profit After Tax (PAT) | 332 | 186 | 78.5% | 162 | 22 | 640.5% |
| RoA (%) | 2.6% | 1.7% | +87bps | 4.7% | 0.8% | +395bps |
| RoE (%) | 12.3% | 7.5% | +475bps | 23.3% | 3.4% | +1988bps |
Standalone Financial Performance
The standalone figures also reported strong performance. Total Revenue increased by 19.7% in FY26, reaching ₹ 2,825 Crores.| Particulars (₹ Crores) | FY26 | FY25 | %Change | Q4 FY26 | Q4 FY25 | %Change |
|---|---|---|---|---|---|---|
| Assets under Management (AUM) | 12,853 | 11,316 | 13.6% | 12,853 | 11,316 | 13.6% |
| Disbursement | 11,202 | 9,837 | 13.9% | 3,820 | 2,881 | 32.6% |
| Total Revenue | 2,825 | 2,359 | 19.7% | 812 | 557 | 45.8% |
| Pre-provision Operating Profit (PPOP) | 856 | 736 | 16.3% | 256 | 126 | 103.1% |
| Profit After Tax (PAT) | 302 | 217 | 39.5% | 137 | 41 | 233.7% |
| ROA (%) | 2.5% | 2.1% | +44bps | 4.3% | 1.5% | +280bps |
| ROE (%) | 10.1% | 7.9% | +226bps | 17.9% | 5.8% | +1212bps |
Operational and Asset Quality Updates
In terms of operational health, the company reported that the PAR 1 improved to 3.7% in Q4 FY26 from 4.7% in Q3 FY26 on a standalone basis, indicating strengthening asset quality. The collection efficiency for the X bucket remained strong at 99.9% during Q4 FY26.For the full fiscal year, the credit cost (standalone) was contained at 3.8%, representing a reduction of 77 bps YoY. The liquidity position remained robust, with total fund mobilization of ₹ 11,994 Crores during FY26 on a consolidated basis.
Key metrics regarding the balance sheet include:
- Capital Adequacy: The capital adequacy ratio stood at 25.4% as on March 31, 2026.
- Liquidity: The company maintained a healthy balance sheet liquidity of ₹ 2,092 Crores as on March 31, 2026, and had undrawn sanctions worth ₹ 2235 Crores.
- Borrowing: Total on-book borrowings stood at ₹ 9,600 Crores as of March 31, 2026. The debt-to-equity ratio was 3.07x.
On asset quality, on-book GNPA stood at 3.12% (₹ 297 Crores), supported by a positive PAR 90 reversal, reflecting improved delinquency control.
Subsidiaries and Diverse Platforms
The group's financial strength was highlighted by the performance of its specialized subsidiaries:1. Satin Housing Finance Ltd. (SHFL): The housing finance subsidiary saw a YoY AUM growth of 38%, reaching a total AUM of ₹ 1,267 Crores. Gross Non-Performing Assets (GNPA) stood at 2.95%. The entity is supported by 35 active lenders, including refinance from the National Housing Bank (NHB), with a CRAR of 53.79% and a gearing ratio of 1.95x.
2. Satin Finserv Ltd. (SFL): This MSME-focused lending platform recorded an impressive 92.5% year-on-year growth, reaching an Assets Under Management (AUM) of ₹ 1,054 Crores. The platform reported a PAT of ₹ 10.5 Crores for FY26.
3. Satin Technologies Ltd. (STL): The technology and digital transformation arm offers enterprise solutions across various domains. The company further strengthened its portfolio by acquiring a strategic stake in QTrino, a deep-tech cybersecurity company, in January 2026.
4. Satin Growth Alternatives Limited (SGAL): This wholly owned subsidiary launched its first SEBI-approved Category II Alternative Investment Fund (AIF) - Scheme 1, with a target corpus of ₹ 200 Crores. This fund is aimed at providing quasi debt/equity capital to underfunded startups, businesses, and MSMEs, especially in rural and semi-urban India.
Commenting on the results, Dr. HP Singh, Chairman cum Managing Director of Satin Creditcare Network Limited, stated that FY26 was a landmark year. He noted that the standalone PAT reached ₹ 332 Crores, and the Q4 FY26 PAT was ₹ 162 Crores. He also stated that the value creation from wholly owned subsidiaries, SGAL and STL, is expected to act as a key catalyst for improving ROA and ROE in the coming years.
SATIN Stock Price Movement
Today, shares of Satin Creditcare Network Limited rallied, settling at ₹214.68 after gaining 0.70% in post-market trading. The strong demand propelled the stock to hit its 52-week high of ₹220, alongside a significant trading volume of 969,040 shares.Disclaimer: Due care and diligence have been taken in compiling and presenting news and market-related content. However, errors or omissions may arise despite such efforts.
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