Satin Creditcare Network Ltd's Q4FY25 Quarter Results
- 08 May 2025
Result Summary
- Satin Creditcare Network Ltd reported a 5.9% quarter-on-quarter (QoQ) decrease in its consolidated revenues for the quarter-ended Mar (Q4FY25). On a year-on-year (YoY) basis, it witnessed a growth of 47.9%.
- Its expenses for the quarter were down by 13.1% QoQ and up 40.4% YoY.
- The net profit increased 799.2% QoQ and increased 30.0% YoY.
- The earnings per share (EPS) of Satin Creditcare Network Ltd stood at 11.7 during Q4FY25.
Financial Statments for Q4FY25
| (₹ crores) | Q4FY25 | Q3FY25 | Q4FY24 | QoQ (%) | YoY (%) |
|---|---|---|---|---|---|
Total Income | 646.88 | 687.59 | 437.38 | -5.9% | 47.9% |
Total Expenses | 408.73 | 470.09 | 291.10 | -13.1% | 40.4% |
Profit Before Tax | 171.08 | 14.95 | 131.50 | 1044.3% | 30.1% |
Tax | 42.86 | 0.69 | 32.89 | 6111.6% | 30.3% |
Profit After Tax | 128.22 | 14.26 | 98.60 | 799.2% | 30.0% |
Earnings Per Share | 11.70 | 1.30 | 11.30 | 800.0% | 3.5% |
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, primarily offering financial services to underserved segments of society, including women entrepreneurs in rural and semi-urban areas. The company provides microloans and other financial products to individuals who have limited access to conventional banking services. Over the years, Satin Creditcare has positioned itself as a significant contributor to financial inclusion, helping to empower individuals through financial literacy and access to credit. While specific recent major developments are not mentioned in the provided data, the company continues to focus on expanding its reach and enhancing its service offerings to meet the growing demand for microfinance solutions.
Revenue
In the fourth quarter of fiscal year 2025 (Q4FY25), Satin Creditcare Network Ltd reported a total income of ₹646.88 crores. This represents a decrease of 5.9% from the previous quarter (Q3FY25), where the total income was ₹687.59 crores. However, when compared year-over-year (YoY) to the fourth quarter of fiscal year 2024 (Q4FY24), the company's total income saw a significant increase of 47.9%, rising from ₹437.38 crores. This substantial YoY growth reflects the company's ability to enhance its revenue generation capabilities over the year, although the quarter-over-quarter (QoQ) decline suggests some fluctuations in quarterly revenue streams.
Profitability
Satin Creditcare's profitability metrics for Q4FY25 reveal a notable increase in Profit Before Tax (PBT), which stood at ₹171.08 crores, a significant rise from ₹14.95 crores in Q3FY25. This reflects a QoQ growth rate of 1044.3%. On a year-over-year basis, the PBT increased by 30.1% from ₹131.50 crores in Q4FY24. The company's Profit After Tax (PAT) also witnessed an exceptional QoQ increase of 799.2%, reaching ₹128.22 crores in Q4FY25, compared to ₹14.26 crores in Q3FY25. The YoY growth in PAT was 30.0%, up from ₹98.60 crores in Q4FY24. These figures underscore a significant improvement in the company's profitability over both the quarter and the year.
Operating Metrics
The company's total expenses in Q4FY25 were ₹408.73 crores, marking a QoQ reduction of 13.1% from ₹470.09 crores in Q3FY25, and a YoY increase of 40.4% from ₹291.10 crores in Q4FY24. The tax expenses for Q4FY25 were ₹42.86 crores, a dramatic QoQ increase from ₹0.69 crores in Q3FY25, and a YoY rise of 30.3% from ₹32.89 crores in Q4FY24. Earnings Per Share (EPS) for Q4FY25 were ₹11.70, representing an 800.0% QoQ increase from ₹1.30 in Q3FY25, and a modest 3.5% YoY increase from ₹11.30 in Q4FY24. These operating metrics indicate variances in cost management and tax expenses, with a strong emphasis on the EPS growth reflecting the company's earnings performance.
