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

Satin Creditcare Network Limited SATIN NSEFINANCIAL

Financial Services · Credit Services · India
https://satincreditcare.com
Company Profile ↓
₹267.21
+62.68% 1Y
Mkt Cap₹2,951.89 Cr
P/E15.79
P/B1.03
52W High₹267.21
52W Low₹134.08
Book Value₹259.20
EPS (TTM)₹16.92

Company Overview

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.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 310.2% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 23.5% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 15.8, below the sector median of 19.8.

Healthy Margins

Operating margin of 31.9% supports profitability.

Recent Developments

  • Mar 2026 Revenue of ₹2,403.66 Cr (+8.1% YoY); net profit ₹332.19 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +8.1%, earnings +78.5%.
  • 5-Year Trend Long-term compounding — revenue CAGR 23.5%, profit CAGR 310.2%.

Growth & Price Performance

Compounded Sales Growth

5 Years:23.55%
1 Year:8.07%

Compounded Profit Growth

5 Years:310.19%
1 Year:78.47%

Stock Price Performance

1 Year:+62.68%
6 Months:+78.58%
3 Months:+65.28%
1 Month:+15.12%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 100% of range
₹134.08 ₹267.21
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)66.06 · Neutral
Price Performance
1M+15.12%
3M+65.28%
6M+78.58%
1Y+62.68%
Valuation vs Sector

P/E of 15.79 is below the sector median of 19.81 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

⚙Ad space

Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Compounding revenue at 23.5% 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.

⚙Ad space

Valuation

Stock P/E
15.79
Industry PE
19.81
Forward P/E
6.21
PEG Ratio
-
Book Value
₹259.20
Price to Book
1.03
P/S
1.87
EV/EBITDA
26.72
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
23.55%
Profit 5Y
310.19%
Revenue (YoY)
8.07%
Earnings (YoY)
78.47%

Profitability & Returns

ROCE
5.11%
ROE
11.60%
ROA
2.31%
Profit Margin
13.82%
Op Margin
31.87%
Gross Margin
28.77%
EPS (Latest Qtr)
₹14.73
EPS (TTM)
₹16.92

Balance Sheet & Liquidity

Debt/Equity
3.84
Quick Ratio
350.82
Current Ratio
1.45
Debt
₹10,991.46 Cr
Total Assets
₹14,386.77 Cr
Current Assets
₹8,527.64 Cr
Working Capital
₹2,663.27 Cr

Ownership

Promoter Holding
61.69%
Chg in Prom Hold
-0.03%
FII / Inst Holding
6.61%
Chg in FII Hold
0.00%

Financial Snapshot

Enterprise Value
₹2,951.89 Cr
Total Revenue (TTM)
₹2,403.66 Cr
EBITDA
₹465.51 Cr
Free Cash Flow
₹-1,002.51 Cr
Operating Cash Flow
₹-973.81 Cr
Shares Outstanding
₹11.05 Cr
Gross Margin
28.77%
Payout Ratio
0.00%

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 267.21 15.79 ₹2,951.89 Cr 0.00% 5.11% 11.60% 23.55% 310.19%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 815.55 16.51 ₹12.48 L Cr 1.58% - 13.62% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,423.10 19.03 ₹10.19 L Cr 0.86% - 14.93% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 1,031.00 11.31 ₹9.52 L Cr 1.67% - 13.97% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 1,032.90 33.85 ₹6.43 L Cr 0.53% - 16.68% 22.58% 18.23%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 443.80 9.77 ₹5.61 L Cr 2.26% - 32.53% 7.26% 16.86%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,340.20 15.86 ₹4.17 L Cr 0.08% - 12.27% 12.16% 34.61%
8 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 381.30 19.66 ₹3.79 L Cr 0.17% - 10.64% 13.48% 8.92%
9 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,887.10 34.31 ₹3.02 L Cr 0.07% - 12.58% 22.92% 15.16%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 429.00 Cr462.00 Cr538.00 Cr596.00 Cr642.00 Cr633.00 Cr657.00 Cr572.35 Cr591.94 Cr625.66 Cr788.00 Cr620.94 Cr639.76 Cr
Cost of Revenue -------409.63 Cr424.95 Cr458.89 Cr-444.50 Cr477.49 Cr
Gross Profit -------162.71 Cr166.99 Cr166.77 Cr-176.44 Cr162.27 Cr
Operating Expenses 132.00 Cr156.00 Cr173.00 Cr192.00 Cr217.00 Cr237.00 Cr323.00 Cr51.69 Cr58.89 Cr52.62 Cr373.00 Cr65.56 Cr59.01 Cr
Operating Income -------111.03 Cr108.10 Cr114.15 Cr-110.88 Cr103.26 Cr
EBITDA -------118.33 Cr115.68 Cr120.36 Cr-119.03 Cr112.34 Cr
Interest Expense 158.00 Cr185.00 Cr217.00 Cr247.00 Cr252.00 Cr251.00 Cr266.00 Cr---344.00 Cr--
Pretax Income 132.00 Cr118.00 Cr143.00 Cr151.00 Cr171.00 Cr141.00 Cr62.00 Cr14.95 Cr18.23 Cr58.08 Cr69.00 Cr93.12 Cr212.16 Cr
Tax Provision 33.00 Cr29.50 Cr35.75 Cr37.75 Cr42.75 Cr35.25 Cr16.74 Cr69.00 L-3.66 Cr12.98 Cr15.87 Cr21.21 Cr50.11 Cr
Net Income 99.00 Cr88.00 Cr107.00 Cr113.00 Cr128.00 Cr105.00 Cr45.00 Cr14.26 Cr21.89 Cr45.10 Cr53.00 Cr71.91 Cr162.02 Cr
Diluted EPS 11.579.9310.7210.2411.619.534.051.301.994.104.816.5414.73

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 801.00 Cr1,031.00 Cr1,443.00 Cr1,500.00 Cr1,377.00 Cr-1,274.64 Cr1,860.24 Cr2,224.10 Cr2,403.66 Cr
Cost of Revenue ------964.90 Cr1,303.72 Cr1,542.82 Cr1,712.13 Cr
Gross Profit ------309.74 Cr556.52 Cr681.27 Cr691.54 Cr
Operating Expenses 322.00 Cr365.00 Cr471.00 Cr685.00 Cr737.00 Cr--39.81 Cr-88.82 Cr8.61 Cr-74.46 Cr
Operating Income ------349.54 Cr645.33 Cr672.66 Cr766.00 Cr
EBITDA ------25.05 Cr607.98 Cr265.64 Cr465.51 Cr
Interest Expense 436.00 Cr536.00 Cr646.00 Cr589.00 Cr638.00 Cr-1.41 Cr2.43 Cr2.61 Cr3.16 Cr
Pretax Income 38.00 Cr116.00 Cr316.00 Cr212.00 Cr-10.00 Cr-5.24 Cr582.89 Cr235.77 Cr432.05 Cr
Tax Provision 12.92 Cr40.60 Cr113.76 Cr57.24 Cr-4.30 Cr-42.76 L146.95 Cr49.64 Cr99.84 Cr
Net Income 25.00 Cr75.00 Cr201.00 Cr155.00 Cr-14.00 Cr-4.81 Cr435.94 Cr186.13 Cr332.19 Cr
Diluted EPS 4.7811.4329.7221.52-1.942.720.5943.2716.92-

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 4,778.00 Cr6,299.00 Cr6,741.00 Cr7,300.00 Cr8,045.00 Cr-7,849.57 Cr10,484.71 Cr11,591.81 Cr14,386.77 Cr
Current Assets ------4,163.79 Cr6,035.66 Cr6,970.99 Cr8,527.64 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 Cr9,048.95 Cr11,519.25 Cr
Current Liabilities ------3,436.16 Cr3,766.29 Cr4,601.74 Cr5,864.37 Cr
Long Term Debt ------2,762.77 Cr4,295.30 Cr4,246.88 Cr5,580.02 Cr
Total Debt ------5,911.25 Cr7,909.64 Cr8,791.44 Cr10,991.46 Cr
Total Equity 637.00 Cr885.00 Cr1,150.00 Cr1,449.00 Cr1,486.00 Cr-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 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -966.00 Cr-1,541.00 Cr611.00 Cr-225.00 Cr-945.00 Cr--956.34 Cr-2,068.89 Cr-563.40 Cr-973.81 Cr
Investing Cash Flow -36.00 Cr-55.00 Cr-187.00 Cr56.00 Cr226.00 Cr--72.90 Cr-24.20 Cr-45.39 Cr-122.93 Cr
Financing Cash Flow 1,398.00 Cr1,394.00 Cr88.00 Cr243.00 Cr734.00 Cr-389.87 Cr2,259.44 Cr913.81 Cr1,873.34 Cr
Capital Expenditure -37.00 Cr-21.00 Cr-19.00 Cr21.00 Cr-20.00 Cr--9.94 Cr-13.07 Cr-19.85 Cr-28.70 Cr
Free Cash Flow -1,003.00 Cr-1,562.00 Cr592.00 Cr-204.00 Cr-965.00 Cr--966.28 Cr-2,081.96 Cr-583.25 Cr-1,002.51 Cr
Net Change in Cash 395.00 Cr-203.00 Cr512.00 Cr73.00 Cr15.00 Cr--639.37 Cr166.34 Cr305.02 Cr776.60 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % ------24.3%29.9%30.6%28.8%
Operating Margin % ------27.4%34.7%30.2%31.9%
Net Margin % 3.1%7.3%13.9%10.3%-1.0%-0.4%23.4%8.4%13.8%
ROE % 3.9%8.5%17.5%10.7%-0.9%-0.3%18.2%7.3%11.6%
ROCE % ------7.9%9.6%9.6%9.0%

Shareholding Pattern

Insiders
61.69%
Institutions
6.61%
Public Float
17.26%

Analyst View

Loading analyst coverage…

Latest News

Recent headlines for SATIN

Google News Sat, 04 Jul 2026

Satin Creditcare Issues Q1FY27 Business Update to Exchanges - The Globe and Mail

<a href="https://news.google.com/rss/articles/CBMi1wFBVV95cUxQS3RBbUtOQm5FRnJwNlVOOGg1YWoteUZudnk2aHRzU0VHejlGb2o0SkFvMWdPcmtGdUFidnFKUHhiVGtsR2ZINS00aV9IZzlsTWMwYjdyZHlFVFRLaGc5dGF1MW4tZ2pYZWJrdGlvSTlSQzFoUmtxV1BpaEFjb0FPM242SEpmaVBJMUZxN1…

Google News ue, 12 May 2026

Satin Creditcare Network zooms 15%, hits 52-week high on strong Q4 show - Business Standard

<a href="https://news.google.com/rss/articles/CBMi3AFBVV95cUxQUzhldE9LY2RoMzdmUXJkbHM3Rk50VnIydkNqbjVPX1hFS2dZQU5qX1hmNlA3YUNYZGRmbGNqZWNjeEFWeTVLREVTSk1mY2FDa1MwdUJLSldlUFJPUzdraEloSXFaaFpjMTM3c3NtVlBNMi02WnhZNkJnZmZpbWUyMUs1Sm5tcURhTEdOMz…

Google News Mon, 11 May 2026

Satin Creditcare Network Limited Reports Earnings Results for the Fourth Quarter and Full Year Ended March 31, 2026 - marketscreener.com

<a href="https://news.google.com/rss/articles/CBMi5wFBVV95cUxOQ3Z1dUQ5cmIyejBwdi1DUmVJcVVqR00tbWlDdl9pTDVCcWp4bDBacllMd1ItUDdQOXcwQWRPSk81ajB3VnNMT2VPcFFfV2FuZGNtVGllSjd6V2IyNEhkWWNSRHRYdWhoZ01KNUFuS3ZCeVdMckxiVjNfUmlkTGZ5RVZROVJRb2dHbnI3Nk…

Google News Mon, 06 Jul 2026

Satin Creditcare warrants issuance approved by 99.02% votes - scanx.trade

<a href="https://news.google.com/rss/articles/CBMivgFBVV95cUxNZWlGdGdGbmlJZHpZQkNRRDNrd25YVnZYdllJSklhSHhfNl9uZXp4a1Rqd1c5d3RnUFJIY285RUhlX0hidnVGNEJISzF4UUgxeXRVQlZsOXg5bHV0VzMxSF8zYjBZenZvdFZXWW9mRkwyQ3ZfRzBsb21ma1I1N1dWZ2F1bjBxamhaaEhIX0…

Google News Wed, 11 Mar 2026

I gasped when I saw the price of this M&S bomber jacket - I thought it was designer - Grazia Daily UK

<a href="https://news.google.com/rss/articles/CBMikAFBVV95cUxNNF9tSDFIdTJkS3Q1V21fNG1vT0NYN3VwUWs0aHRWMndmbkxlZGk1YnRhNG9aSXFsdGV6WGQzU0NxTGd4YVVxRWw2TUh0aExXR1VxMUx4U1I3cUltT0tHQ1lLblprQnhyZl96bXZfTEdxbWh0RTA2cXRDMVBWS1JLWVVNeUppdk43RnFKMn…

Google News hu, 04 Jun 2026

Satin Creditcare promoters to infuse Rs 100 crore, raise stake - The Economic Times

<a href="https://news.google.com/rss/articles/CBMi0AFBVV95cUxPazlsd1IxYmJVLXJRaVRKd0NVeHhoOERERmU3RDZGbWtsWVcwVmN4d2ZHWTlZM3pyNGJ1cFJMVmpSNjAzQlM4SHUyZk83YUp0dER0NEdCWU1YcHg3R1ktR1dNNWxfQkhyeDJrZXpXWHpDYktCeEI3XzlVY2o2ZmlidWN4djJHeTJZc2FkMU…

SATIN — Frequently Asked Questions

What is the current share price of Satin Creditcare Network Limited (SATIN)?

As of 2026-07-15 09:52 IST, Satin Creditcare Network Limited (SATIN) trades at ₹267.21 on NSE. Its 52-week range is ₹134.08 to ₹267.21.

What is the market capitalisation of SATIN?

Satin Creditcare Network Limited (SATIN) has a market capitalisation of ₹2,951.89 Cr on NSE.

What is the P/E ratio of SATIN?

SATIN trades at a trailing price-to-earnings (P/E) ratio of 15.79. The industry average P/E is 19.81. Its price-to-book (P/B) ratio is 1.03.

What is the return on equity (ROE) of SATIN?

SATIN has a return on equity (ROE) of 11.60%. Its return on capital employed (ROCE) is 5.11%.

Is SATIN a good stock to buy?

This page provides a data-driven analysis of Satin Creditcare Network Limited (SATIN), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

Explore More

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