Satin Creditcare Network's Q2 FY 2025-26 Quarterly Results

Result Summary

• Satin Creditcare Network Ltd reported a 11.2% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Sep (Q2 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a growth of 20.6%.
• Its expenses for the quarter were up by 13.4% QoQ and 26.7% YoY.
• The net profit increased 17.9% QoQ and increased 19.0% YoY.
• The earnings per share (EPS) of Satin Creditcare Network Ltd stood at 4.83 during Q2 FY 2025-26.

Financial Statments for Q2 FY 2025-26

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 sector in India. The company primarily focuses on providing financial services to underserved rural and semi-urban populations, offering microloans and other financial products to enable economic empowerment and financial inclusion. The company operates within the financial services industry, specifically targeting the microfinance segment. As of the last known updates, Satin Creditcare has been implementing digital transformations and enhancing its service delivery models to improve customer experience and operational efficiency. However, further recent developments specific to the company were not available at the time of this report.

Revenue

In the second quarter of the fiscal year 2026 (Q2FY26), Satin Creditcare Network Ltd reported a total income of ₹792.80 crores. This represents an increase from ₹713.27 crores in Q1FY26, marking an 11.2% quarter-over-quarter (QoQ) growth. Year-over-year (YoY) comparison with Q2FY25, where the total income was ₹657.46 crores, indicates a 20.6% increase. This growth trajectory reflects the company's ability to enhance revenue generation over both the quarterly and annual periods. The revenue performance is a critical indicator of the company's market activities and its capacity to expand its customer base and financial offerings.

Profitability

Profitability metrics for Satin Creditcare Network Ltd demonstrate positive growth in Q2FY26. The company achieved a profit before tax of ₹68.70 crores, up from ₹58.08 crores in the previous quarter, reflecting an 18.3% QoQ increase. Compared to Q2FY25, where the profit before tax was ₹61.58 crores, there is an 11.6% YoY growth. The tax expenses for Q2FY26 were ₹15.54 crores, showing a 19.7% increase from Q1FY26's ₹12.98 crores, but a 7.9% decrease from ₹16.88 crores in Q2FY25. Consequently, the profit after tax for Q2FY26 stood at ₹53.16 crores, a 17.9% QoQ rise from ₹45.10 crores in Q1FY26, and a 19.0% increase YoY from ₹44.69 crores in Q2FY25. These figures highlight the company's profitability growth over the specified periods.

Operating Metrics

The earnings per share (EPS) for Satin Creditcare Network Ltd in Q2FY26 was ₹4.83, which represents a 17.8% increase from ₹4.10 in Q1FY26. Compared to the same quarter in the previous year (Q2FY25), where EPS was ₹4.06, the YoY growth is 19.0%. These metrics provide insight into the company's performance from an investor's perspective, indicating how effectively it is generating earnings relative to its share count. The increase in EPS aligns with the overall profitability trends observed in the financial data. Further financial ratios and operational metrics such as P/E ratio, debt-to-equity ratio, and current ratio were not provided in the data, thus limiting a more detailed analysis of the company's operating efficiency.