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SATIN CREDITCARE - Solid Results🟢(1 May 24)
Investor PPT & Highlights
Earnings Growth + Re Rating🔥
Attractive Valuations💹
P/B - 1.2, BVPS - 217
Delivered above guidance and on all the parameters
FY25 Guidance🔥
- AUM & Disbursement growth - 25%
- Credit Cost for FY25 to be in the range of 1.5-1.75%
FY24 Cons.
AUM🔼30 % - 11,850 Cr
Disb🔼30 % - 10,549 Cr
NII🔼43 % - 1340 Cr
PPOP🔼80 % - 732 Cr
PAT - 436 Cr vs 5 Cr
FY24 Stand.
AUM🔼34 % - 10,593 Cr
Disb🔼30 % - 9691 Cr
PAT🔼60 % - 423 Cr
Solid
ROE🔼21.6 %, ROA🔼4.8 %
Credit Cost - 1.44 % , Guided for 1.25-1.5 %
Secured : Unsecured - 12:88
Asset Quality continues to improve
On Book GNPA 2.49 % vs 3.28 %
PCR - 83 % vs 64 %
Punjab Portfolio effected
Total on book Pf - 369 Cr
Out of 61 branches in Punjab, 10 have been affected
PAR 1 stands at 23 Cr, PAR 90 at 11 Cr
Strong Capital Adequacy - 27.7 %
Overall Solid results, delivered above guidance
Asset quality must be monitored every quarter
Investor PPT & Highlights
Earnings Growth + Re Rating🔥
Attractive Valuations💹
P/B - 1.2, BVPS - 217
Delivered above guidance and on all the parameters
FY25 Guidance🔥
- AUM & Disbursement growth - 25%
- Credit Cost for FY25 to be in the range of 1.5-1.75%
FY24 Cons.
AUM🔼30 % - 11,850 Cr
Disb🔼30 % - 10,549 Cr
NII🔼43 % - 1340 Cr
PPOP🔼80 % - 732 Cr
PAT - 436 Cr vs 5 Cr
FY24 Stand.
AUM🔼34 % - 10,593 Cr
Disb🔼30 % - 9691 Cr
PAT🔼60 % - 423 Cr
Solid
ROE🔼21.6 %, ROA🔼4.8 %
Credit Cost - 1.44 % , Guided for 1.25-1.5 %
Secured : Unsecured - 12:88
Asset Quality continues to improve
On Book GNPA 2.49 % vs 3.28 %
PCR - 83 % vs 64 %
Punjab Portfolio effected
Total on book Pf - 369 Cr
Out of 61 branches in Punjab, 10 have been affected
PAR 1 stands at 23 Cr, PAR 90 at 11 Cr
Strong Capital Adequacy - 27.7 %
Overall Solid results, delivered above guidance
Asset quality must be monitored every quarter