Satin Creditcare Quarterly Results

Charts

YoY Net Sales (Quarterly)

Operating Margin

EPS Growth

POSITIVES

Consistent revenue growth over the last three quarters indicates strong demand for financial services.
Improved net profit margins suggest enhanced operational efficiency.
Increased loan disbursements show effective capital utilization and market expansion.

NEGATIVES

Rising non-performing assets (NPAs) indicate potential credit risks and impact profitability.
Declining return on equity (ROE) may signal decreased shareholder value.
High cost-to-income ratio suggests inefficiencies that could limit future profitability.

Field	Jun 23	Sep 23	Dec 23	Mar 24	Jun 24	Sep 24	Dec 24	Mar 25	Jun 25	Sep 25
Revenue	462.33	537.61	595.57	642.11	632.66	656.90	684.07	621.06	708.58	787.89
Expenses	156.32	172.66	192.35	217.47	236.64	323.11	397.50	333.01	351.88	372.96
Operating Profit	306.02	364.95	403.22	424.64	396.02	333.79	286.56	288.05	356.70	414.93
Other Income	1.38	0.87	0.71	4.77	1.69	0.56	3.52	1.44	4.69	4.91
Interest	185.48	216.69	246.90	251.95	251	266.09	267.83	263.68	297.10	344.28
Depreciation	4.37	6.05	5.85	6.39	5.69	6.70	7.30	7.58	6.21	6.86
Profit Before Tax	117.54	143.08	151.18	171.08	141.01	61.58	14.95	18.23	58.08	68.70
Tax	29.67	36.31	38.11	42.86	35.73	16.88	0.69	-3.67	12.98	15.54
Net Profit	87.87	106.78	113.07	128.22	105.28	44.69	14.26	21.89	45.10	53.16
Eps in Rs	10.23	10.99	11.23	11.66	9.57	4.06	1.30	1.99	4.10	4.83