🇮🇳 India Stock Screener ← Switch market ★ Elite Club ⚡ StockGenie AI

Satin Creditcare Network Limited SATIN NSEFINANCIAL

Financial Services · Credit Services · India
https://satincreditcare.com

Satin Creditcare Network Limited, a non-banking finance company, provides micro finance services in India. The company offers microcredit to economically active women in rural, semi-urban, and urban regions; loans for income generating purposes, such as agriculture, transportation, trading, and production related business activities; water and sanitation loans; loans for clean energy and various business needs; and loans to corporate institutions and micro finance companies. It also provides financing solutions for solar energy, purchase of bicycles, home appliances, and mobile phones for small businesses and individuals; micro, small, and medium enterprise loans for merchants, retailers, wholesalers, manufacturers, service providers, salaried, self-employed professionals, and agri businesses; and housing loans. The company was formerly known as Satin Leasing & Finance Private Limited and changed its name to Satin Creditcare Network Limited in April 2000. Satin Creditcare Network Limited was incorporated in 1990 and is headquartered in Gurugram, India.

READ MORE ›
₹217.82
+38.35% 1Y

Market & Price

Market Cap
₹2,395.76 Cr
Current Price
₹217.82
High / Low (52W)
₹225.45 / ₹134.08
Beta
0.19

Valuation

Stock P/E
7.21
Industry PE
19.12
Forward P/E
5.07
PEG Ratio
-
Book Value
₹238.18
Price to Book
0.91
P/S
1.53
EV/EBITDA
-
Dividend Yield
-

Profitability & Returns

ROCE
3.32%
ROE
12.28%
ROA
2.56%
Profit Margin
21.19%
Op Margin
56.88%
EPS (Latest Qtr)
₹14.73
EPS (TTM)
₹30.19

Balance Sheet & Liquidity

Debt/Equity
3.83
Quick Ratio
350.82
Current Ratio
353.47
Debt
₹10,992.06 Cr
Total Assets
₹14,386.77 Cr
Current Assets
₹13,697.11 Cr
Working Capital
₹13,658.02 Cr

Ownership

Promoter Holding
61.18%
Chg in Prom Hold
-
FII / Inst Holding
6.58%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
₹10,870.65 Cr
Total Revenue (TTM)
₹1,567.61 Cr
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
₹-973.81 Cr
Shares Outstanding
₹11.00 Cr
Gross Margin
100.00%
Payout Ratio
0.00%

Growth (CAGR)

Revenue 5Y
25.02%
Profit 5Y
310.19%
Revenue (YoY)
116.60%
Earnings (YoY)
640.20%

PROS

  • Excellent profit margin of 21.2%.
  • Compounding revenue at 25.0% over 5 years.
  • Profit CAGR of 310.2% over 5 years.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

NSE TradingView Screener.in

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 SATIN Satin Creditcare Network Limited NSEFINANCIAL 217.82 7.21 ₹2,395.76 Cr - 3.32% 12.28% 25.02% 310.19%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 744.55 16.61 ₹11.46 L Cr 1.75% - 13.82% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,256.40 16.81 ₹9.01 L Cr 0.88% - 16.36% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 964.40 10.58 ₹8.90 L Cr 1.80% - 15.48% 12.19% 14.39%
5 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 384.20 19.80 ₹3.82 L Cr 0.13% - 11.39% 14.58% 8.92%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 411.35 9.06 ₹2.60 L Cr 2.43% - 42.36% 7.61% 16.86%
7 SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL 947.15 17.79 ₹2.23 L Cr 1.46% - 16.38% 15.48% 18.59%
8 SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL 1,830.10 74.06 ₹1.84 L Cr 0.15% - 13.70% 11.67% 12.81%
9 ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL 3,538.50 53.19 ₹1.75 L Cr 0.70% 98.30% 85.80% 28.94% 29.58%
⚙Ad space

Quarterly Results

Figures in INR.

Metric Dec 2024Mar 2025Jun 2025Dec 2025Mar 2026
Revenue 572.35 Cr591.94 Cr625.66 Cr620.94 Cr639.76 Cr
Cost of Revenue 409.63 Cr424.95 Cr458.89 Cr444.50 Cr477.49 Cr
Gross Profit 162.71 Cr166.99 Cr166.77 Cr176.44 Cr162.27 Cr
Operating Expenses 51.69 Cr58.89 Cr52.62 Cr65.56 Cr59.01 Cr
Operating Income 111.03 Cr108.10 Cr114.15 Cr110.88 Cr103.26 Cr
EBITDA 118.33 Cr115.68 Cr120.36 Cr119.03 Cr112.34 Cr
Interest Expense -----
Pretax Income 14.95 Cr18.23 Cr58.08 Cr93.12 Cr212.16 Cr
Tax Provision 69.00 L-3.66 Cr12.98 Cr21.21 Cr50.11 Cr
Net Income 14.26 Cr21.89 Cr45.10 Cr71.91 Cr162.02 Cr
Diluted EPS 1.301.994.106.5414.73

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue -1,274.64 Cr1,860.24 Cr2,316.61 Cr2,490.71 Cr
Cost of Revenue -964.90 Cr1,303.72 Cr1,602.44 Cr1,784.67 Cr
Gross Profit -309.74 Cr556.52 Cr714.17 Cr706.04 Cr
Operating Expenses --39.81 Cr-88.82 Cr196.16 Cr230.34 Cr
Operating Income -349.54 Cr645.33 Cr518.01 Cr475.70 Cr
EBITDA -25.05 Cr607.98 Cr545.28 Cr505.99 Cr
Interest Expense 89.03 L1.41 Cr2.43 Cr2.61 Cr-
Pretax Income -5.24 Cr582.89 Cr235.77 Cr432.05 Cr
Tax Provision -42.76 L146.95 Cr49.64 Cr99.84 Cr
Net Income -4.81 Cr435.94 Cr186.13 Cr332.19 Cr
Diluted EPS 2.720.5943.2716.92-

Compounded Sales Growth

5 Years:25.02%
1 Year:116.60%

Compounded Profit Growth

5 Years:310.19%
1 Year:640.20%

Stock Price Performance

1 Year:+38.35%
6 Months:+45.18%
3 Months:+41.23%
1 Month:+20.04%

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets -7,849.57 Cr10,484.71 Cr11,587.00 Cr14,386.77 Cr
Current Assets -4,163.79 Cr6,035.66 Cr6,994.46 Cr13,697.11 Cr
Cash & Equivalents -257.68 Cr424.03 Cr729.05 Cr1,505.81 Cr
Inventory -----
Receivables -5.39 Cr8.45 Cr2.04 Cr8.14 Cr
Total Liabilities -6,221.44 Cr8,083.86 Cr9,044.13 Cr11,519.25 Cr
Current Liabilities -3,436.16 Cr3,766.29 Cr4,783.49 Cr39.09 Cr
Long Term Debt -2,762.77 Cr4,295.30 Cr4,246.88 Cr10,991.46 Cr
Total Debt -5,911.25 Cr7,909.64 Cr8,791.44 Cr10,991.46 Cr
Total Equity -1,628.12 Cr2,400.85 Cr2,542.86 Cr2,863.40 Cr
Shares Outstanding -8.52 Cr11.05 Cr11.05 Cr11.05 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow --956.34 Cr-2,068.89 Cr-563.40 Cr-973.81 Cr
Investing Cash Flow --72.90 Cr-24.20 Cr-45.39 Cr-122.93 Cr
Financing Cash Flow -389.87 Cr2,259.44 Cr913.81 Cr1,873.34 Cr
Capital Expenditure --9.94 Cr-13.07 Cr-19.85 Cr-28.70 Cr
Free Cash Flow --966.28 Cr-2,081.96 Cr-583.25 Cr-1,002.51 Cr
Net Change in Cash --639.37 Cr166.34 Cr305.02 Cr776.60 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % -24.3%29.9%30.8%28.3%
Operating Margin % -27.4%34.7%22.4%19.1%
Net Margin % -0.4%23.4%8.0%13.3%
ROE % -0.3%18.2%7.3%11.6%
ROCE % -7.9%9.6%7.6%3.3%

Shareholding Pattern

Insiders
61.18%
Institutions
6.58%
Public Float
16.96%

Analyst View

Loading analyst coverage…

Latest News

Recent headlines for SATIN

No recent headlines available.

Explore More

📊 Financial Services Sector 🔍 All Stock Screens 📈 Technical Screens 💰 Fundamental Screens 🔄 Swing Trading Setups 📐 Chart Patterns 📅 Earnings Calendar 📋 All India Stocks
⚙Ad space