Satin Creditcare Network's Q3 FY 2025-26 Quarterly Results
- 29 Jan 2026
Result Summary
- Satin Creditcare Network Ltd reported a 5.1% quarter-on-quarter (QoQ) decrease in its consolidated revenues for the quarter-ended Dec (Q3 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a growth of 9.5%.
- Its expenses for the quarter were down by 8.9% QoQ and up 12.5% YoY.
- The net profit increased 35.3% QoQ and increased 404.3% YoY.
- The earnings per share (EPS) of Satin Creditcare Network Ltd stood at 6.54 during Q3 FY 2025-26.
Financial Statments for Q3 FY 2025-26
Total Income | 752.68 | 792.80 | 687.59 | -5.1% | 9.5% |
Total Expenses | 528.88 | 580.77 | 470.09 | -8.9% | 12.5% |
Profit Before Tax | 93.12 | 68.70 | 14.95 | 35.5% | 522.9% |
Tax | 21.21 | 15.54 | 0.69 | 36.5% | 2973.9% |
Profit After Tax | 71.91 | 53.16 | 14.26 | 35.3% | 404.3% |
Earnings Per Share | 6.54 | 4.83 | 1.30 | 35.4% | 403.1% |
Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results
Company Overview
Satin Creditcare Network Ltd is a prominent player in the microfinance industry in India. The company predominantly offers financial services aimed at providing credit to underserved segments of the population, particularly women in rural and semi-urban areas. Satin Creditcare Network Ltd has established a significant presence in the microfinance sector by focusing on empowering communities through financial inclusion. The company operates through a network that spans various states across India, providing access to small loans that help individuals and small businesses. While the company has been actively growing its portfolio and presence, specific recent major developments are not available from the provided data.
Revenue
In the third quarter of fiscal year 2026 (Q3FY26), Satin Creditcare Network Ltd reported a total income of ₹752.68 crores. This represents a decline of 5.1% from the previous quarter (Q2FY26), where the total income was ₹792.80 crores. However, when compared to the same quarter in the previous year (Q3FY25), there is an increase of 9.5%, with the total income then being ₹687.59 crores. The year-over-year growth in total income indicates a positive trajectory over the past year, although the quarter-over-quarter reduction suggests some variability in revenue generation within the fiscal year.
Profitability
The company's profitability metrics for Q3FY26 indicate a robust performance. Profit Before Tax (PBT) stood at ₹93.12 crores, marking a significant increase of 35.5% from ₹68.70 crores in Q2FY26. Year-over-year, the PBT saw a substantial increase of 522.9% from ₹14.95 crores in Q3FY25. The Tax expense for Q3FY26 was ₹21.21 crores, reflecting a 36.5% increase from the previous quarter and a remarkable 2973.9% increase from the same quarter last year. Profit After Tax (PAT) for Q3FY26 was ₹71.91 crores, which represents a quarter-over-quarter increase of 35.3% and a year-over-year rise of 404.3% from ₹14.26 crores in Q3FY25. These figures underscore significant improvements in the company's profitability over both the quarterly and annual periods.
Operating Metrics
The Earnings Per Share (EPS) for Satin Creditcare Network Ltd in Q3FY26 was ₹6.54. This represents a 35.4% increase from the previous quarter's EPS of ₹4.83 and an impressive 403.1% increase from the EPS of ₹1.30 in Q3FY25. The total expenses for Q3FY26 were ₹528.88 crores, showing a decrease of 8.9% from Q2FY26, where expenses were ₹580.77 crores. Year-over-year, the expenses increased by 12.5% from ₹470.09 crores in Q3FY25. The decrease in expenses from the previous quarter, along with the increase in income from the same quarter last year, highlights shifts in the company's operational efficiency and cost management strategies. The financial ratios such as P/E ratio, debt-to-equity ratio, and current ratio are not calculable from the provided data, as it lacks necessary components such as share price, total debt, and equity values.