Satin Credit Net Q2 FY27 Results & Earnings Intelligence
SATINStructural risk assessment following Q2-FY27 | 30 Sep 26 earnings.
₹929.2 Cr
+17.2% YoY•+21.5% QoQ
₹234.6 Cr
+241.6% YoY•+45.6% QoQ
₹175.9 Cr
+230.9% YoY•+43.4% QoQ
18/ 100
+2 pts QoQ
The Quarter at a Glance
Consolidated Financials| Metric | Q2-FY27 | 30 Sep 26 | Q2-FY26 | 30 Sep 25 | YoY Δ | Q1-FY27 | 30 Jun 26 | QoQ Δ |
|---|---|---|---|---|---|
| Total Revenue / Income | ₹929.2 Cr | ₹792.8 Cr | +17.2% | ₹764.7 Cr | +21.5% |
| Total Loan Book / Advances | ₹12,673.7 Cr | ₹9,523.6 Cr | +33.1% | N/A | N/A |
| Profit Before Tax (PBT) | ₹234.6 Cr | ₹68.7 Cr | +241.6% | ₹161.2 Cr | +45.6% |
| Net Profit (PAT) | ₹175.9 Cr | ₹53.2 Cr | +230.9% | ₹122.6 Cr | +43.4% |
| Basic EPS (₹/share) | ₹15.98 | N/A | N/A | ₹11.15 | +43.3% |
Sources:Official BSE/NSE Disclosures & Financial Filings
Sentinel Executive Summary
Core Earnings Synthesis"Satin Credit Net currently sits within Flagium's Stable category. However, recent periods have remained stable with minor operational friction. Despite positive top and bottom-line growth, triggers like 'NIM Compression' indicate underlying structural risk. Current deterioration appears cyclical rather than existential."
Satin Credit Net posted steady top-line growth and bottom-line stability, demonstrating resilient execution in its core markets. While the underlying business remains fundamentally sound, the presence of 1 active risk warnings highlights minor operational or working capital inefficiencies to keep on the watch list.
🟢 Key Operational & Structural Positives
- ✓Revenue Growth: Quarterly revenue moved +17.2% YoY and +21.5% QoQ, reflecting demand and volume trends.
- ✓Net Profit Expansion: Profit after tax moved +230.9% YoY and +43.4% QoQ, settling at ₹175.9 Cr.
- ✓Core Operating Revenue Growth: Revenue from operations (core business, ex-other income) moved +21.5% QoQ, reaching ₹925.8 Cr.
⚠️ Key Areas of Watch & Margin Pressures
- ⚠Resolution of 'NIM Compression': SATIN: NIM compressed by 321 bps YoY (to 10.75%). [Growth Adjusted: 33%]
- ⚠NIM & funding costs: Monitor cost of funds repricing and net interest margin progression.
- ⚠Asset quality & slippages: Track gross NPA formation and provision coverage cushion in retail portfolios.
Total Revenue / Income expanded across both horizons (+17.2% YoY and +21.5% QoQ vs Q1-FY27), demonstrating synchronized top-line execution.
Flagium Risk Signals
Automated Forensic SignalsNIM Compression
SATIN: NIM compressed by 321 bps YoY (to 10.75%). [Growth Adjusted: 33%]
🎙️ Satin Credit Net (SATIN) Q2 FY27 Concall Intelligence
Management Commentary, Concall Takeaways & Key Discussion Themes
No earnings call transcript was available
for this reporting period.
What to do next
Explore SATIN's full structural risk profile — 12Q score trajectory, pillar breakdown, flag history, and peer benchmarking.
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Flagium AI is an automated financial data analytics platform. Analysis reports are compiled programmatically from public regulatory XBRL submissions (NSE/BSE) for educational and research purposes only. Flagium AI is not registered with SEBI as a Research Analyst or Investment Adviser under SEBI regulations. This evaluation does not constitute investment advice, financial planning, or recommendations to buy, sell, or hold any security.
Investments in securities market are subject to market risks. Read all the related documents carefully before investing. Please consult a SEBI-registered Investment Adviser before acting on any data presented.