India · Delayed Price · Currency is INR Satin Creditcare Network Earnings Call Transcripts
Fiscal Year 2026
-
Reported 10% consolidated AUM growth and 404% YOY PAT increase, with strong asset quality and liquidity. Subsidiaries are expanding rapidly, and credit costs are expected to decline further, supporting a cautious but profitable growth outlook.
-
Reported 16th consecutive profitable quarter with 6.8% YoY AUM growth and stable asset quality. Maintained strong capital adequacy, prudent provisioning, and expanded branch network, despite sectoral headwinds and seasonal challenges.
Fiscal Year 2025
-
Delivered 15th consecutive profitable quarter with 16% YoY revenue growth and 8% AUM growth, maintaining strong asset quality and liquidity despite sector challenges. Guardrails 2 rollout and prudent provisioning supported resilience, with focus on operational efficiency and credit cost control.
-
Profitability and asset quality improved, with 24% YoY revenue growth and 10% AUM growth. PAR one declined to 6.4%, outperforming industry averages, while credit cost guidance remains at 5%. Focus remains on cautious growth and maintaining strong risk management.
-
AUM grew 16% YoY to INR 11,749 crore with revenue up 30% YoY, but asset quality faced temporary stress due to external disruptions. FY25 AUM growth guidance was revised to 8%-10% with credit cost expected at 4.5%-5%, and operational focus remains on risk management and collection efficiency.
-
Q1 FY25 saw 23% AUM growth and 20% PAT growth despite weather and election disruptions. Asset quality remained stable with GNPA at 2.7% and collection efficiency at 97.9%. Consolidated AUM growth guidance is set at 20% for FY25.