Don’t Trade in the Dark—Get Your Pre-Market Report Every Day.Join Now
Search stocks
Satin Creditcare Network Ltd

| Statement of Audited Standalone Financial Results for the Quarter and Year Ended March 31, 2026

Report Source

⬤11th May 26

Summary : Satin Creditcare Network reports strong FY26 consolidated profit and asset growth with an unmodified audit opinion, despite negative operating cash flow.

Quarterly Report Analysis & Insights

Financial Disclosures

  1. Consolidated Total expenses FY26: ₹2,72,882.01 Lakhs
  2. Consolidated Finance costs FY26: ₹1,31,140.38 Lakhs
  3. Consolidated Impairment of financial instruments FY26: ₹49,494.62 Lakhs
  4. Consolidated Revenue from operations FY26: ₹3,14,302.95 Lakhs
  5. Consolidated Interest income FY26: ₹2,46,255.19 Lakhs
  6. Consolidated Net gain on financial instruments FY26: ₹64,612.58 Lakhs
  7. Consolidated Net cash used in operating activities FY26: ₹(97,381.35) Lakhs
  8. Consolidated Net cash generated from financing activities FY26: ₹1,87,333.66 Lakhs
  9. Consolidated Cash and cash equivalents at year-end FY26: ₹1,50,580.56 Lakhs
  10. Consolidated Total Assets FY26: ₹14,38,676.73 Lakhs
  11. Consolidated Loans FY26: ₹11,39,764.05 Lakhs
  12. Consolidated Total Equity FY26: ₹2,86,751.79 Lakhs
  13. Consolidated Borrowings (other than debt securities) FY26: ₹9,02,245.64 Lakhs
  14. Investments in wholly-owned subsidiaries
  15. Both standalone and consolidated financial results are presented.

Corporate Overview

  1. Domestic
  2. Assessing impact of New Labour Codes on employee benefits
  3. High NPA outstanding in co-lending portfolio
  4. Financing activities
  5. Positive, reflected in growth and compliance
  6. Microfinance (for co-lending)
  7. Interest income
  8. Fees and commission income
  9. Net gain on fair value changes
  10. Net gain on derecognition of financial instruments
  11. Other operating income
  12. Investments in subsidiaries (Satin Technologies, Satin Finserv, Satin Housing Finance, Satin Growth Alternatives, QTrino Labs)

Risk Factors

  1. Negative cash flow from operating activities.
  2. High non-performing assets in co-lending.
  3. Uncertain impact of new Labour Codes.
  4. Significant reliance on debt for growth.

Key Drivers

  1. Strong consolidated net profit growth reported.
  2. Unmodified audit opinion on financial results.
  3. Increased strategic investments in subsidiaries.
  4. Improved subsidiary's regulatory compliance.

Auditor’s Report

  1. Unmodified opinion (Standalone and Consolidated)

Board Commentary

  1. Impact of New Labour Codes on employee benefits
  2. Implementation of New Labour Codes
  3. Allotment of Non-Convertible Debentures
  4. Investments in subsidiaries

Corporate Governance

  1. Audit Committee recommended financial results

Management Discussion & Analysis

Future Strategy

  1. Continued investments in subsidiaries for growth
  2. Ensuring compliance with RBI regulations

Operational Focus Areas

  1. Maintaining asset cover for debentures
  2. Compliance with regulatory requirements

Performance Drivers

  1. Growth in loan portfolio
  2. Increased net gain on financial instruments
  3. Strategic investments in subsidiaries

Risk Control Measures

  1. Assessment of New Labour Codes impact
  2. Maintaining asset cover for debentures
  3. Improved SHFL PBC compliance

Critical Risks

  1. Impact of New Labour Codes on employee benefits
  2. High NPA in co-lending portfolio
  3. Material uncertainty related to going concern (auditor's consideration)
Satin Creditcare Network Ltd (SATIN) Quarterly Report Analysis & Insights | Dhanarthi