In Week of Mar 28, 2026, Satin Creditcare Network Ltd (Finance & Investments - Microfinance) is outperforming Nifty 500 with +12.2% relative strength. Fundamentals: Weak. On a 6-week streak.
Weekly presence in the outperformers list. Green = beating Nifty 500 by 10%+ that week.
Based on Q3 FY26 earnings • Updated Feb 22, 2026
What: Improving asset quality driving lower provisioning needs
“Management stated: 'For FY '25-'26, we continue to target an improvement in credit costs as compared to FY '24, '25, which was 4.6%, supported by tighter underwriting, improved collections and deeper customer engagement.'”
What: Diversification into housing finance and other financial services
“Management reported: 'Satin Housing Finance Limited's AUM reached ₹1,101 crore with 26.3% YoY growth, and Satin Finserv's AUM is ₹759 crore with 58.4% YoY growth.'”
Earnings deceleration risks from management commentary
Trigger: If foreign exchange volatility increases
Impact: -10 bps margin impact
Management view: Management stated: 'Dependence on overseas funding has increased to 15%, with all foreign currency exposure being fully hedged.'
Monitor: Hedging costs and forex volatility
Trigger: If subsidiaries don't reach profitability targets
Impact: -5 bps margin impact
Management view: Management acknowledged: 'ROEs remain low due to their early growth phase.'
Monitor: Subsidiary ROE progression
Key quotes from recent conference calls
“Net interest margin was 14.25% on a consolidated basis and 14.71% stand-alone. — Management”
“As of Q3 FY '26, PAR90 levels improved to 3.3% at ₹287 crores on a stand-alone basis, reflecting stability and disciplined credit management. — Management”
“Management anticipates credit costs to decrease further and targets 10-15% AUM growth for FY27. — Management”
“We held on-book provisions of ₹272 crores, representing 3.2% of the on-book portfolio, well above RBI requirements of ₹141 crores. This also includes a management overlay of ₹12 crores. — Management”
Forward-looking targets from management for FY27
Credit Growth Target
12.5%
Key Milestones
• Credit costs below 4%
• 10-15% AUM growth
Revenue, profit and margin growth rates
| Metric | YoY | 3Y CAGR | Trend |
|---|---|---|---|
| Revenue | +9% | +23% | Inflection Up |
| PAT (Net Profit) | +414% | +80% | Inflection Up |
The above analysis is parsed from publicly available earnings call transcripts. This is educational research only — not investment advice. Last updated Feb 22, 2026.
Based on publicly available financial data. This is educational research, not investment advice.
Satin Creditcare Network Ltd's latest quarterly results (Dec 2025) show
Satin Creditcare Network Ltd's profit is growing with an turning around (inflection up) trend.
Satin Creditcare Network Ltd's revenue growth trend is turning around (inflection up).
Satin Creditcare Network Ltd's asset quality trend is insufficient_data.
Satin Creditcare Network Ltd's long-term compounding rates
Satin Creditcare Network Ltd's earnings growth is turning around (inflection up) with positive momentum on a sequential basis.
Satin Creditcare Network Ltd's trailing twelve month (TTM) performance
Satin Creditcare Network Ltd appears significantly overvalued based on our fair value analysis.
Satin Creditcare Network Ltd's current PE ratio is 8.2x.
Satin Creditcare Network Ltd's current PE is 8.2x.
Satin Creditcare Network Ltd's price-to-book ratio is 0.6x.
Satin Creditcare Network Ltd is rated Weak with a fundamental score of 36/100. This score is calculated from objective financial metrics
Satin Creditcare Network Ltd has a debt-to-equity ratio of N/A.
Satin Creditcare Network Ltd's return ratios over recent years
Satin Creditcare Network Ltd's operating cash flow is negative (FY2025).
Satin Creditcare Network Ltd currently does not pay a significant dividend (yield 0.00%).
Satin Creditcare Network Ltd's shareholding pattern (Dec 2025)
Satin Creditcare Network Ltd's promoter holding has remained stable recently.
Satin Creditcare Network Ltd has been outperforming Nifty 500 for 6 consecutive weeks, indicating building momentum.
Satin Creditcare Network Ltd is an established outperformer with 6 weeks of consecutive Nifty 500 outperformance.
Satin Creditcare Network Ltd has 2 key growth catalysts identified from recent earnings analysis
Satin Creditcare Network Ltd has 2 key risks worth monitoring
In Q3 FY26, Satin Creditcare Network Ltd's management highlighted
Satin Creditcare Network Ltd's management has provided the following forward guidance for FY27
Based on quantitative research signals, here is why Satin Creditcare Network Ltd may be worth studying
Satin Creditcare Network Ltd investment thesis summary:
Satin Creditcare Network Ltd's forward outlook based on current data signals
The above FAQs are generated from publicly available earnings data and conference call transcripts. This is educational research only. Sector Alpha is not SEBI registered and does not provide investment advice.
