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Satin Creditcare Network Limited Q3 FY26 earnings call summary

NSE: SATIN · BSE: 539404

Earnings call of 29 Jan 2026, summarised by AI from the filing.

Sector-wide degrowth and industry headwinds; high liquidity generates negative ROA.

Key takeaways

  1. Risk Sector-wide degrowth and industry headwinds; high liquidity generates negative ROA.

Original filing on BSE

Satin Creditcare Network Limited Q1 FY27 results

As filed: Revenue ₹762 cr (+8% year on year), EBITDA ₹417 cr (+17% year on year), PAT ₹123 cr (+173% year on year), EBITDA margin 54.8% (+456 bps).

The Q1 FY27 score, against the company's own trend, is for premium members.

Earlier results and the share price after them

  • Q4 FY26: Revenue ₹920 cr (+48% year on year), EBITDA ₹599 cr (+107% year on year), PAT ₹162 cr (+300% year on year), EBITDA margin 65.2% (+1,000 bps). Score 99 of 100, Above trend. Revenue, EBITDA and profit growth were well above the company's own trend. EBITDA margin rose 1000 bps year on year. Revenue grew on the previous quarter, against its usual seasonal pattern. Share price after the results: +8.9% in 30 days (Nifty 500: −2.5%).
  • Q3 FY26: Revenue ₹747 cr (+9% year on year), EBITDA ₹385 cr (+35% year on year), PAT ₹71.9 cr (+300% year on year), EBITDA margin 51.5% (+973 bps). Score 67 of 100, Above trend. Revenue growth was below the company's own trend; EBITDA growth was above it; profit growth was well above it. EBITDA margin rose 973 bps year on year. Revenue fell 5% from last quarter. Revenue rose ₹63.5 cr on a year ago, against ₹88.0 cr the year before. Share price after the results: +0.3% in 30 days (Nifty 500: +0.4%).
  • Q2 FY26: Revenue ₹788 cr (+20% year on year), EBITDA ₹415 cr (+24% year on year), PAT ₹53.0 cr (+18% year on year), EBITDA margin 52.7% (+183 bps). Score 59 of 100, In line with trend. Revenue and profit growth were in line with the company's own trend; EBITDA growth was above it. EBITDA margin rose 183 bps year on year. Revenue rose ₹131 cr on a year ago, more than the ₹119 cr it added the year before. Share price after the results: −2.5% in 30 days (Nifty 500: −0.1%).
  • Q1 FY26: Revenue ₹709 cr (+12% year on year), EBITDA ₹356 cr (−10% year on year), PAT ₹45.0 cr (−57% year on year), EBITDA margin 50.2% (−1,000 bps). Score 39 of 100, Below trend. Revenue, EBITDA and profit growth were below the company's own trend. EBITDA margin fell 1000 bps year on year. Revenue grew on the previous quarter, against its usual seasonal pattern. Share price after the results: +3.5% in 28 days (Nifty 500: +1.7%).
  • Q4 FY25: Revenue ₹621 cr (−3% year on year), EBITDA ₹289 cr (−32% year on year), PAT ₹22.0 cr (−83% year on year), EBITDA margin 46.5% (−1,000 bps). Score 15 of 100, Below trend. Revenue, EBITDA and profit growth were well below the company's own trend. EBITDA margin fell 1000 bps year on year. Tax rate -17%. Revenue fell 9% from last quarter. Revenue rose ₹-21.0 cr on a year ago, against ₹205 cr the year before. Share price after the results: −5.9% in 30 days (Nifty 500: +5.0%).
  • Q3 FY25: Revenue ₹684 cr (+15% year on year), EBITDA ₹286 cr (−29% year on year), PAT ₹14.0 cr (−88% year on year), EBITDA margin 41.8% (−1,000 bps). Score 8 of 100, Below trend. Revenue, EBITDA and profit growth were well below the company's own trend. EBITDA margin fell 1000 bps year on year. Other income 27% of PBT. Tax rate 7%. Profit fell 69% from last quarter. Revenue rose ₹88.0 cr on a year ago, against ₹180 cr the year before.
  • Q2 FY25: Revenue ₹657 cr (+22% year on year), EBITDA ₹334 cr (−8% year on year), PAT ₹45.0 cr (−58% year on year), EBITDA margin 50.8% (−1,000 bps). Score 32 of 100, Below trend. EBITDA margin fell 1000 bps year on year. Not enough history for a trend yet: scored on growth alone. Profit fell 57% from last quarter.

Past price moves after results do not indicate future moves. Not a recommendation.

Satin Creditcare Network Limited earnings call, investor presentation and press release summaries

Figures from the company's filings with NSE and BSE. Not investment advice.