Share Price and Basic Stock Data
Last Updated: July 24, 2025, 11:55 pm
| PEG Ratio | 0.11 |
|---|
Quick Insight
Satin Creditcare Network Ltd, currently priced at ₹156, presents an intriguing investment opportunity within the microfinance sector, particularly given its market capitalization of ₹1,727 crore and a P/E ratio of 9.27, which suggests relative undervaluation compared to industry peers. The company's return on equity (ROE) stands at 7.53%, while its return on capital employed (ROCE) is at a commendable 11.9%, indicating effective management of capital. With promoters holding 36.17% and institutional investors (FIIs at 4.83% and DIIs at 6.11%) showing modest interest, the broad public ownership at 52.45% indicates a strong retail investor base. The price-to-book value ratio of 0.62x further emphasizes the stock's potential upside. Given these factors, investors may find Satin Creditcare's current valuation attractive, particularly as it seeks to enhance profitability and operational efficiency in a growing microfinance landscape
Competitors of Satin Creditcare Network Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Muthoot Microfin Ltd | 2,855 Cr. | 167 | 247/119 | 154 | 0.00 % | 5.80 % | 8.19 % | 10.0 | |
| Satin Creditcare Network Ltd | 1,727 Cr. | 156 | 232/131 | 9.27 | 230 | 0.00 % | 11.9 % | 7.53 % | 10.0 |
| CreditAccess Grameen Ltd | 20,897 Cr. | 1,308 | 1,401/750 | 108 | 436 | 0.76 % | 9.55 % | 7.86 % | 10.0 |
| Industry Average | 8,493.00 Cr | 543.67 | 58.64 | 273.33 | 0.25% | 9.08% | 7.86% | 10.00 |
Quarterly Result
| Metric | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 363 | 345 | 360 | 416 | 429 | 462 | 538 | 596 | 642 | 633 | 657 | 684 | 621 |
| Interest | 157 | 159 | 145 | 155 | 158 | 185 | 217 | 247 | 252 | 251 | 266 | 268 | 264 |
| Expenses | 122 | 463 | 138 | 178 | 132 | 156 | 173 | 192 | 217 | 237 | 323 | 398 | 333 |
| Financing Profit | 85 | -277 | 77 | 83 | 139 | 121 | 148 | 156 | 173 | 145 | 68 | 19 | 24 |
| Financing Margin % | 23% | -80% | 21% | 20% | 32% | 26% | 28% | 26% | 27% | 23% | 10% | 3% | 4% |
| Other Income | 1 | 1 | 1 | 0 | 0 | 1 | 1 | 1 | 5 | 2 | 1 | 4 | 1 |
| Depreciation | 4 | 3 | 4 | 4 | 8 | 4 | 6 | 6 | 6 | 6 | 7 | 7 | 8 |
| Profit before tax | 82 | -280 | 75 | 79 | 132 | 118 | 143 | 151 | 171 | 141 | 62 | 15 | 18 |
| Tax % | 30% | -25% | 23% | 26% | 25% | 25% | 25% | 25% | 25% | 25% | 27% | 5% | -20% |
| Net Profit | 57 | -210 | 57 | 59 | 99 | 88 | 107 | 113 | 128 | 105 | 45 | 14 | 22 |
| EPS in Rs | 7.58 | -27.95 | 7.23 | 7.05 | 11.85 | 9.93 | 10.72 | 10.24 | 11.61 | 9.53 | 4.05 | 1.29 | 1.98 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: May 31, 2025, 7:52 am
Below is a detailed analysis of the quarterly data for Satin Creditcare Network Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Interest, as of Mar 2025, the value is 264.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 268.00 Cr. (Dec 2024) to 264.00 Cr., marking a decrease of 4.00 Cr..
- For Expenses, as of Mar 2025, the value is 333.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 398.00 Cr. (Dec 2024) to 333.00 Cr., marking a decrease of 65.00 Cr..
- For Other Income, as of Mar 2025, the value is 1.00 Cr.. The value appears to be declining and may need further review. It has decreased from 4.00 Cr. (Dec 2024) to 1.00 Cr., marking a decrease of 3.00 Cr..
- For Depreciation, as of Mar 2025, the value is 8.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 7.00 Cr. (Dec 2024) to 8.00 Cr., marking an increase of 1.00 Cr..
- For Profit before tax, as of Mar 2025, the value is 18.00 Cr.. The value appears strong and on an upward trend. It has increased from 15.00 Cr. (Dec 2024) to 18.00 Cr., marking an increase of 3.00 Cr..
- For Tax %, as of Mar 2025, the value is -20.00%. The value appears to be improving (decreasing) as expected. It has decreased from 5.00% (Dec 2024) to -20.00%, marking a decrease of 25.00%.
- For Net Profit, as of Mar 2025, the value is 22.00 Cr.. The value appears strong and on an upward trend. It has increased from 14.00 Cr. (Dec 2024) to 22.00 Cr., marking an increase of 8.00 Cr..
- For EPS in Rs, as of Mar 2025, the value is 1.98. The value appears strong and on an upward trend. It has increased from 1.29 (Dec 2024) to 1.98, marking an increase of 0.69.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: July 22, 2025, 3:04 pm
| Metric | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 801 | 1,031 | 1,443 | 1,500 | 1,377 | 1,378 | 1,549 | 2,234 | 2,595 |
| Interest | 436 | 536 | 646 | 589 | 638 | 631 | 617 | 901 | 1,049 |
| Expenses | 322 | 365 | 471 | 685 | 737 | 700 | 911 | 733 | 1,290 |
| Financing Profit | 44 | 130 | 326 | 225 | 2 | 47 | 22 | 600 | 256 |
| Financing Margin % | 5% | 13% | 23% | 15% | 0% | 3% | 1% | 27% | 10% |
| Other Income | 0 | 0 | 3 | 4 | 3 | 3 | 2 | 6 | 7 |
| Depreciation | 6 | 15 | 13 | 18 | 15 | 16 | 18 | 23 | 27 |
| Profit before tax | 38 | 116 | 316 | 212 | -10 | 34 | 5 | 583 | 236 |
| Tax % | 34% | 35% | 36% | 27% | 43% | 39% | 8% | 25% | 21% |
| Net Profit | 25 | 75 | 201 | 155 | -14 | 21 | 5 | 436 | 186 |
| EPS in Rs | 4.78 | 11.43 | 29.72 | 21.52 | -1.94 | 2.76 | 0.58 | 39.46 | 16.85 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
YoY Net Profit Growth
| Year | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 200.00% | 168.00% | -22.89% | -109.03% | 250.00% | -76.19% | 8620.00% | -57.34% |
| Change in YoY Net Profit Growth (%) | 0.00% | -32.00% | -190.89% | -86.15% | 359.03% | -326.19% | 8696.19% | -8677.34% |
Satin Creditcare Network Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 8 years from 2017-2018 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 12% |
| 3 Years: | 24% |
| TTM: | 16% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 4% |
| 3 Years: | 108% |
| TTM: | -57% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | 14% |
| 3 Years: | 10% |
| 1 Year: | -33% |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | 7% |
| 3 Years: | 10% |
| Last Year: | 8% |
Last Updated: Unknown
Balance Sheet
Last Updated: July 25, 2025, 2:24 pm
| Month | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 37 | 47 | 49 | 52 | 66 | 75 | 85 | 110 | 110 |
| Reserves | 600 | 838 | 1,101 | 1,397 | 1,420 | 1,507 | 1,543 | 2,291 | 2,433 |
| Borrowing | 3,889 | 5,161 | 5,271 | 5,542 | 6,181 | 5,744 | 5,911 | 7,910 | 8,791 |
| Other Liabilities | 251 | 253 | 321 | 309 | 377 | 330 | 310 | 174 | 253 |
| Total Liabilities | 4,778 | 6,299 | 6,741 | 7,300 | 8,045 | 7,655 | 7,850 | 10,485 | 11,587 |
| Fixed Assets | 73 | 75 | 81 | 94 | 131 | 126 | 129 | 133 | 137 |
| CWIP | 12 | 16 | 16 | 34 | 4 | 0 | 0 | 0 | 0 |
| Investments | 21 | 72 | 264 | 246 | 1 | 49 | 62 | 51 | 55 |
| Other Assets | 4,672 | 6,136 | 6,380 | 6,926 | 7,909 | 7,481 | 7,659 | 10,301 | 11,395 |
| Total Assets | 4,778 | 6,299 | 6,741 | 7,300 | 8,045 | 7,655 | 7,850 | 10,485 | 11,587 |
Below is a detailed analysis of the balance sheet data for Satin Creditcare Network Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, the value is 110.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 110.00 Cr..
- For Reserves, as of Mar 2025, the value is 2,433.00 Cr.. The value appears strong and on an upward trend. It has increased from 2,291.00 Cr. (Mar 2024) to 2,433.00 Cr., marking an increase of 142.00 Cr..
- For Other Liabilities, as of Mar 2025, the value is 253.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 174.00 Cr. (Mar 2024) to 253.00 Cr., marking an increase of 79.00 Cr..
- For Total Liabilities, as of Mar 2025, the value is 11,587.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 10,485.00 Cr. (Mar 2024) to 11,587.00 Cr., marking an increase of 1,102.00 Cr..
- For Fixed Assets, as of Mar 2025, the value is 137.00 Cr.. The value appears strong and on an upward trend. It has increased from 133.00 Cr. (Mar 2024) to 137.00 Cr., marking an increase of 4.00 Cr..
- For CWIP, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
- For Investments, as of Mar 2025, the value is 55.00 Cr.. The value appears strong and on an upward trend. It has increased from 51.00 Cr. (Mar 2024) to 55.00 Cr., marking an increase of 4.00 Cr..
- For Other Assets, as of Mar 2025, the value is 11,395.00 Cr.. The value appears strong and on an upward trend. It has increased from 10,301.00 Cr. (Mar 2024) to 11,395.00 Cr., marking an increase of 1,094.00 Cr..
- For Total Assets, as of Mar 2025, the value is 11,587.00 Cr.. The value appears strong and on an upward trend. It has increased from 10,485.00 Cr. (Mar 2024) to 11,587.00 Cr., marking an increase of 1,102.00 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Month | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | 319.00 | 360.00 | 466.00 | 680.00 | 731.00 | 695.00 | 906.00 | 726.00 | -7.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
|---|---|---|---|---|---|---|---|---|
| ROE % | 10% | 20% | 12% | -1% | 1% | 0% | 22% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| Bandhan Small Cap Fund | 1,041,889 | 0.44 | 22.87 | 1,041,889 | 2025-04-22 17:25:21 | 0% |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 16.92 | 44.34 | 0.62 | 2.96 | -2.26 |
| Diluted EPS (Rs.) | 16.92 | 43.27 | 0.59 | 2.72 | -2.26 |
| Cash EPS (Rs.) | 19.39 | 41.67 | 2.74 | 4.88 | 0.16 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 231.08 | 218.17 | 192.00 | 212.07 | 223.58 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 231.08 | 218.17 | 192.00 | 212.07 | 223.58 |
| Revenue From Operations / Share (Rs.) | 235.79 | 202.90 | 183.65 | 184.58 | 206.96 |
| PBDIT / Share (Rs.) | 119.19 | 136.91 | 75.52 | 90.60 | 96.76 |
| PBIT / Share (Rs.) | 116.72 | 134.85 | 73.35 | 88.49 | 94.49 |
| PBT / Share (Rs.) | 21.43 | 52.97 | 0.61 | 4.58 | -1.47 |
| Net Profit / Share (Rs.) | 16.91 | 39.62 | 0.56 | 2.77 | -2.10 |
| NP After MI And SOA / Share (Rs.) | 16.91 | 39.62 | 0.56 | 2.77 | -2.10 |
| PBDIT Margin (%) | 50.55 | 67.47 | 41.12 | 49.08 | 46.75 |
| PBIT Margin (%) | 49.50 | 66.45 | 39.93 | 47.94 | 45.65 |
| PBT Margin (%) | 9.08 | 26.10 | 0.33 | 2.48 | -0.70 |
| Net Profit Margin (%) | 7.17 | 19.52 | 0.30 | 1.50 | -1.01 |
| NP After MI And SOA Margin (%) | 7.17 | 19.52 | 0.30 | 1.50 | -1.01 |
| Return on Networth / Equity (%) | 7.31 | 18.15 | 0.29 | 1.30 | -0.94 |
| Return on Capital Employeed (%) | 49.81 | 61.10 | 37.76 | 20.21 | 16.77 |
| Return On Assets (%) | 1.60 | 4.15 | 0.06 | 0.27 | -0.17 |
| Long Term Debt / Equity (X) | 0.00 | 0.00 | 0.00 | 1.05 | 1.50 |
| Total Debt / Equity (X) | 3.32 | 3.30 | 3.63 | 3.63 | 4.16 |
| Asset Turnover Ratio (%) | 0.23 | 0.24 | 0.23 | 0.16 | 0.16 |
| Current Ratio (X) | 1.26 | 1.28 | 1.22 | 1.69 | 1.82 |
| Quick Ratio (X) | 1.26 | 1.28 | 1.22 | 1.69 | 1.82 |
| Interest Coverage Ratio (X) | 1.25 | 1.67 | 1.04 | 1.08 | 1.01 |
| Interest Coverage Ratio (Post Tax) (X) | 1.18 | 1.48 | 1.01 | 1.03 | 0.97 |
| Enterprise Value (Cr.) | 8646.52 | 8954.17 | 5879.74 | 4503.15 | 4792.46 |
| EV / Net Operating Revenue (X) | 3.33 | 4.01 | 3.78 | 3.27 | 3.48 |
| EV / EBITDA (X) | 6.59 | 5.94 | 9.18 | 6.66 | 7.45 |
| MarketCap / Net Operating Revenue (X) | 0.60 | 1.03 | 0.69 | 0.55 | 0.41 |
| Price / BV (X) | 0.62 | 0.96 | 0.66 | 0.48 | 0.38 |
| Price / Net Operating Revenue (X) | 0.60 | 1.03 | 0.69 | 0.55 | 0.41 |
| EarningsYield | 0.11 | 0.18 | 0.00 | 0.02 | -0.02 |
After reviewing the key financial ratios for Satin Creditcare Network Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 25, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 10.00.
- For Basic EPS (Rs.), as of Mar 25, the value is 16.92. This value is within the healthy range. It has decreased from 44.34 (Mar 24) to 16.92, marking a decrease of 27.42.
- For Diluted EPS (Rs.), as of Mar 25, the value is 16.92. This value is within the healthy range. It has decreased from 43.27 (Mar 24) to 16.92, marking a decrease of 26.35.
- For Cash EPS (Rs.), as of Mar 25, the value is 19.39. This value is within the healthy range. It has decreased from 41.67 (Mar 24) to 19.39, marking a decrease of 22.28.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 231.08. It has increased from 218.17 (Mar 24) to 231.08, marking an increase of 12.91.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 231.08. It has increased from 218.17 (Mar 24) to 231.08, marking an increase of 12.91.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 235.79. It has increased from 202.90 (Mar 24) to 235.79, marking an increase of 32.89.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 119.19. This value is within the healthy range. It has decreased from 136.91 (Mar 24) to 119.19, marking a decrease of 17.72.
- For PBIT / Share (Rs.), as of Mar 25, the value is 116.72. This value is within the healthy range. It has decreased from 134.85 (Mar 24) to 116.72, marking a decrease of 18.13.
- For PBT / Share (Rs.), as of Mar 25, the value is 21.43. This value is within the healthy range. It has decreased from 52.97 (Mar 24) to 21.43, marking a decrease of 31.54.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 16.91. This value is within the healthy range. It has decreased from 39.62 (Mar 24) to 16.91, marking a decrease of 22.71.
- For NP After MI And SOA / Share (Rs.), as of Mar 25, the value is 16.91. This value is within the healthy range. It has decreased from 39.62 (Mar 24) to 16.91, marking a decrease of 22.71.
- For PBDIT Margin (%), as of Mar 25, the value is 50.55. This value is within the healthy range. It has decreased from 67.47 (Mar 24) to 50.55, marking a decrease of 16.92.
- For PBIT Margin (%), as of Mar 25, the value is 49.50. This value exceeds the healthy maximum of 20. It has decreased from 66.45 (Mar 24) to 49.50, marking a decrease of 16.95.
- For PBT Margin (%), as of Mar 25, the value is 9.08. This value is below the healthy minimum of 10. It has decreased from 26.10 (Mar 24) to 9.08, marking a decrease of 17.02.
- For Net Profit Margin (%), as of Mar 25, the value is 7.17. This value is within the healthy range. It has decreased from 19.52 (Mar 24) to 7.17, marking a decrease of 12.35.
- For NP After MI And SOA Margin (%), as of Mar 25, the value is 7.17. This value is below the healthy minimum of 8. It has decreased from 19.52 (Mar 24) to 7.17, marking a decrease of 12.35.
- For Return on Networth / Equity (%), as of Mar 25, the value is 7.31. This value is below the healthy minimum of 15. It has decreased from 18.15 (Mar 24) to 7.31, marking a decrease of 10.84.
- For Return on Capital Employeed (%), as of Mar 25, the value is 49.81. This value is within the healthy range. It has decreased from 61.10 (Mar 24) to 49.81, marking a decrease of 11.29.
- For Return On Assets (%), as of Mar 25, the value is 1.60. This value is below the healthy minimum of 5. It has decreased from 4.15 (Mar 24) to 1.60, marking a decrease of 2.55.
- For Long Term Debt / Equity (X), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 0.2. There is no change compared to the previous period (Mar 24) which recorded 0.00.
- For Total Debt / Equity (X), as of Mar 25, the value is 3.32. This value exceeds the healthy maximum of 1. It has increased from 3.30 (Mar 24) to 3.32, marking an increase of 0.02.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.23. It has decreased from 0.24 (Mar 24) to 0.23, marking a decrease of 0.01.
- For Current Ratio (X), as of Mar 25, the value is 1.26. This value is below the healthy minimum of 1.5. It has decreased from 1.28 (Mar 24) to 1.26, marking a decrease of 0.02.
- For Quick Ratio (X), as of Mar 25, the value is 1.26. This value is within the healthy range. It has decreased from 1.28 (Mar 24) to 1.26, marking a decrease of 0.02.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 1.25. This value is below the healthy minimum of 3. It has decreased from 1.67 (Mar 24) to 1.25, marking a decrease of 0.42.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 1.18. This value is below the healthy minimum of 3. It has decreased from 1.48 (Mar 24) to 1.18, marking a decrease of 0.30.
- For Enterprise Value (Cr.), as of Mar 25, the value is 8,646.52. It has decreased from 8,954.17 (Mar 24) to 8,646.52, marking a decrease of 307.65.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 3.33. This value exceeds the healthy maximum of 3. It has decreased from 4.01 (Mar 24) to 3.33, marking a decrease of 0.68.
- For EV / EBITDA (X), as of Mar 25, the value is 6.59. This value is within the healthy range. It has increased from 5.94 (Mar 24) to 6.59, marking an increase of 0.65.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 0.60. This value is below the healthy minimum of 1. It has decreased from 1.03 (Mar 24) to 0.60, marking a decrease of 0.43.
- For Price / BV (X), as of Mar 25, the value is 0.62. This value is below the healthy minimum of 1. It has decreased from 0.96 (Mar 24) to 0.62, marking a decrease of 0.34.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 0.60. This value is below the healthy minimum of 1. It has decreased from 1.03 (Mar 24) to 0.60, marking a decrease of 0.43.
- For EarningsYield, as of Mar 25, the value is 0.11. This value is below the healthy minimum of 5. It has decreased from 0.18 (Mar 24) to 0.11, marking a decrease of 0.07.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
Unable to fetch valid data for stock valuation.Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Satin Creditcare Network Ltd:
- Net Profit Margin: 7.17%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 49.81% (Industry Average ROCE: 9.08%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 7.31% (Industry Average ROE: 7.86%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 1.18
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 1.26
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 9.27 (Industry average Stock P/E: 58.64)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 3.32
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 7.17%
About the Company - Qualitative Analysis
Satin Creditcare Network Ltd. is a Public Limited Listed company incorporated on 16/10/1990 and has its registered office in the State of Delhi, India. Company's Corporate Identification Number(CIN) is L65991DL1990PLC041796 and registration number is 041796. Currently Company is involved in the business activities of Other financial service activities, except insurance and pension funding activities. Company's Total Operating Revenue is Rs. 2373.48 Cr. and Equity Capital is Rs. 110.04 Cr. for the Year ended 31/03/2025.
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Microfinance Institutions | 5th Floor, Kundan Bhawan, Azadpur Commercial Complex, New Delhi Delhi 110033 | communications@satincreditcare.com http://www.satincreditcare.com |
| Management | |
|---|---|
| Name | Position Held |
| Dr. H P Singh | Chairman & Managing Director |
| Mr. Satvinder Singh | Non Exe.Non Ind.Director |
| Mr. Anil Kumar Kalra | Ind. Non-Executive Director |
| Ms. Jyoti Davar Vij | Ind. Non-Executive Director |
| Mr. Joydeep Datta Gupta | Ind. Non-Executive Director |
| Mr. Ashok Kumar Sharma | Addnl.Non Exe.Independent Director |
| Mr. Anupam Kunal Gangaher | Addnl.Non Exe.Independent Director |
FAQ
What is the intrinsic value of Satin Creditcare Network Ltd?
Satin Creditcare Network Ltd's intrinsic value (as of 26 July 2025) is 131.01 16.02% lower the current market price of 156.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 1,727 Cr. market cap, FY2025-2026 high/low of 232/131, reserves of 2,433 Cr, and liabilities of 11,587 Cr.
What is the Market Cap of Satin Creditcare Network Ltd?
The Market Cap of Satin Creditcare Network Ltd is 1,727 Cr..
What is the current Stock Price of Satin Creditcare Network Ltd as on 26 July 2025?
The current stock price of Satin Creditcare Network Ltd as on 26 July 2025 is 156.
What is the High / Low of Satin Creditcare Network Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Satin Creditcare Network Ltd stocks is ₹232/131.
What is the Stock P/E of Satin Creditcare Network Ltd?
The Stock P/E of Satin Creditcare Network Ltd is 9.27.
What is the Book Value of Satin Creditcare Network Ltd?
The Book Value of Satin Creditcare Network Ltd is 230.
What is the Dividend Yield of Satin Creditcare Network Ltd?
The Dividend Yield of Satin Creditcare Network Ltd is 0.00 %.
What is the ROCE of Satin Creditcare Network Ltd?
The ROCE of Satin Creditcare Network Ltd is 11.9 %.
What is the ROE of Satin Creditcare Network Ltd?
The ROE of Satin Creditcare Network Ltd is 7.53 %.
What is the Face Value of Satin Creditcare Network Ltd?
The Face Value of Satin Creditcare Network Ltd is 10.0.