Share Price and Basic Stock Data
Last Updated: November 12, 2025, 4:11 am
| PEG Ratio | 0.38 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
Satin Creditcare Network Ltd, a prominent player in the microfinance sector, reported a revenue of ₹1,549 Cr for the financial year ending March 2023, a significant increase from ₹1,378 Cr in the previous year. This upward trend continued with projected revenues of ₹2,234 Cr for FY 2024 and ₹2,595 Cr for FY 2025, indicating a robust growth trajectory. The company’s quarterly performance also reflects this growth, with revenues rising consistently from ₹345 Cr in June 2022 to ₹538 Cr in September 2023. The latest quarter’s revenue of ₹596 Cr for December 2023 further emphasizes this trend. The increase in revenue can be attributed to a growing customer base and effective loan disbursement strategies, essential in the microfinance industry where access to credit is crucial for financial inclusion. Despite a competitive landscape, Satin’s performance showcases its ability to scale operations effectively while addressing the financial needs of underserved communities.
Profitability and Efficiency Metrics
Profitability metrics for Satin Creditcare Network Ltd indicate a fluctuating but generally positive trend. The net profit for FY 2023 stood at ₹126 Cr, recovering from a loss of ₹14 Cr in FY 2021. The profit before tax for the same period was ₹5 Cr, reflecting the company’s return to profitability after previous challenges. The financing profit margin improved significantly to 27% in FY 2024, up from a mere 1% in FY 2023, showcasing improved operational efficiency. However, the return on equity (ROE) for FY 2025 is projected to be 7.53%, which is relatively low compared to industry averages. The interest coverage ratio (ICR) stands at 1.25x, indicating adequate earnings to cover interest expenses, although it remains below the ideal threshold of 2.0x for safety. The company’s ability to navigate profitability amidst challenges reflects resilience, yet it must enhance margins to align with sector expectations.
Balance Sheet Strength and Financial Ratios
Satin Creditcare Network Ltd reported total assets of ₹11,587 Cr for FY 2025, with total liabilities of ₹11,587 Cr, indicating a leveraged balance sheet. The company’s reserves increased to ₹2,433 Cr, providing a solid buffer against financial volatility. The total debt to equity ratio stood at 3.46x, suggesting a high level of leverage, which is a concern in the microfinance sector, typically characterized by lower leverage ratios. Notably, the book value per share increased to ₹231.08, reflecting the company’s ability to enhance shareholder value. The return on capital employed (ROCE) was reported at 49.81%, indicating efficient use of capital. However, the interest coverage ratio of 1.25x suggests potential vulnerability to fluctuations in interest rates. As the company expands its operations, maintaining a balance between growth and financial prudence will be critical to sustain its financial health.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Satin Creditcare Network Ltd reveals a diverse ownership structure, with promoters holding 36.17% as of March 2025. Foreign institutional investors (FIIs) accounted for 3.90%, while domestic institutional investors (DIIs) held 5.18%. The public’s stake rose to 54.30%, indicating increasing retail investor interest, which is a positive sign for market confidence. The number of shareholders surged from 16,146 in December 2022 to 48,704 by March 2025, reflecting growing interest in the company. The fluctuating shareholding of FIIs and DIIs, particularly the increase in DIIs to 6.35% in March 2025 from 3.95% in September 2023, suggests an improving perception of the company’s prospects. However, the relatively low FII participation could indicate caution among international investors, which may stem from concerns over the high leverage and profitability metrics.
Outlook, Risks, and Final Insight
The outlook for Satin Creditcare Network Ltd appears cautiously optimistic, driven by strong revenue growth and a recovering profitability profile. However, several risks loom, including high leverage ratios, which could pose challenges in a rising interest rate environment, potentially impacting profitability and growth. The company’s ability to maintain or improve its profit margins will be crucial in the coming quarters. Additionally, the competitive landscape in the microfinance sector requires constant innovation and customer engagement to retain market share. While the increasing public interest and shareholder base present opportunities, the company must navigate these risks carefully. Strategies focused on enhancing operational efficiency and reducing debt levels will be vital for sustaining long-term growth and investor confidence. Should the company successfully address these challenges, it could solidify its position as a leader in the microfinance space.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
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 | 2,847 Cr. | 167 | 202/119 | 158 | 0.00 % | 5.80 % | 8.19 % | 10.0 | |
| Satin Creditcare Network Ltd | 1,683 Cr. | 152 | 176/131 | 12.5 | 230 | 0.00 % | 11.9 % | 7.53 % | 10.0 |
| CreditAccess Grameen Ltd | 21,896 Cr. | 1,369 | 1,490/750 | 164 | 448 | 0.00 % | 9.55 % | 7.86 % | 10.0 |
| Industry Average | 8,808.67 Cr | 562.67 | 88.25 | 278.67 | 0.00% | 9.08% | 7.86% | 10.00 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 345 | 360 | 416 | 429 | 462 | 538 | 596 | 642 | 633 | 657 | 684 | 621 | 709 |
| Interest | 159 | 145 | 155 | 158 | 185 | 217 | 247 | 252 | 251 | 266 | 268 | 264 | 297 |
| Expenses | 463 | 138 | 178 | 132 | 156 | 173 | 192 | 217 | 237 | 323 | 398 | 333 | 352 |
| Financing Profit | -277 | 77 | 83 | 139 | 121 | 148 | 156 | 173 | 145 | 68 | 19 | 24 | 60 |
| Financing Margin % | -80% | 21% | 20% | 32% | 26% | 28% | 26% | 27% | 23% | 10% | 3% | 4% | 8% |
| Other Income | 1 | 1 | 0 | 0 | 1 | 1 | 1 | 5 | 2 | 1 | 4 | 1 | 5 |
| Depreciation | 3 | 4 | 4 | 8 | 4 | 6 | 6 | 6 | 6 | 7 | 7 | 8 | 6 |
| Profit before tax | -280 | 75 | 79 | 132 | 118 | 143 | 151 | 171 | 141 | 62 | 15 | 18 | 58 |
| Tax % | -25% | 23% | 26% | 25% | 25% | 25% | 25% | 25% | 25% | 27% | 5% | -20% | 22% |
| Net Profit | -210 | 57 | 59 | 99 | 88 | 107 | 113 | 128 | 105 | 45 | 14 | 22 | 45 |
| EPS in Rs | -27.95 | 7.23 | 7.05 | 11.85 | 9.93 | 10.72 | 10.24 | 11.61 | 9.53 | 4.05 | 1.29 | 1.98 | 4.08 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: August 20, 2025, 4:00 am
Below is a detailed analysis of the quarterly data for Satin Creditcare Network Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Interest, as of Jun 2025, the value is 297.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 264.00 Cr. (Mar 2025) to 297.00 Cr., marking an increase of 33.00 Cr..
- For Expenses, as of Jun 2025, the value is 352.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 333.00 Cr. (Mar 2025) to 352.00 Cr., marking an increase of 19.00 Cr..
- For Other Income, as of Jun 2025, the value is 5.00 Cr.. The value appears strong and on an upward trend. It has increased from 1.00 Cr. (Mar 2025) to 5.00 Cr., marking an increase of 4.00 Cr..
- For Depreciation, as of Jun 2025, the value is 6.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 8.00 Cr. (Mar 2025) to 6.00 Cr., marking a decrease of 2.00 Cr..
- For Profit before tax, as of Jun 2025, the value is 58.00 Cr.. The value appears strong and on an upward trend. It has increased from 18.00 Cr. (Mar 2025) to 58.00 Cr., marking an increase of 40.00 Cr..
- For Tax %, as of Jun 2025, the value is 22.00%. The value appears to be increasing, which may not be favorable. It has increased from -20.00% (Mar 2025) to 22.00%, marking an increase of 42.00%.
- For Net Profit, as of Jun 2025, the value is 45.00 Cr.. The value appears strong and on an upward trend. It has increased from 22.00 Cr. (Mar 2025) to 45.00 Cr., marking an increase of 23.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 4.08. The value appears strong and on an upward trend. It has increased from 1.98 (Mar 2025) to 4.08, marking an increase of 2.10.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: August 23, 2025, 2:08 pm
| Metric | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 801 | 1,031 | 1,443 | 1,500 | 1,377 | 1,378 | 1,549 | 2,234 | 2,595 | 2,671 |
| Interest | 436 | 536 | 646 | 589 | 638 | 631 | 617 | 901 | 1,049 | 1,095 |
| Expenses | 322 | 365 | 471 | 685 | 737 | 700 | 911 | 733 | 1,290 | 1,406 |
| Financing Profit | 44 | 130 | 326 | 225 | 2 | 47 | 22 | 600 | 256 | 170 |
| Financing Margin % | 5% | 13% | 23% | 15% | 0% | 3% | 1% | 27% | 10% | 6% |
| Other Income | 0 | 0 | 3 | 4 | 3 | 3 | 2 | 6 | 7 | 10 |
| Depreciation | 6 | 15 | 13 | 18 | 15 | 16 | 18 | 23 | 27 | 28 |
| Profit before tax | 38 | 116 | 316 | 212 | -10 | 34 | 5 | 583 | 236 | 153 |
| Tax % | 34% | 35% | 36% | 27% | 43% | 39% | 8% | 25% | 21% | |
| Net Profit | 25 | 75 | 201 | 155 | -14 | 21 | 5 | 436 | 186 | 126 |
| EPS in Rs | 4.78 | 11.43 | 29.72 | 21.52 | -1.94 | 2.76 | 0.58 | 39.46 | 16.85 | 11.40 |
| 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: | 11% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 4% |
| 3 Years: | 108% |
| TTM: | -72% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | 14% |
| 3 Years: | 4% |
| 1 Year: | -31% |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | 7% |
| 3 Years: | 10% |
| Last Year: | 8% |
Last Updated: September 5, 2025, 1:26 pm
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 - No data available for this post.
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 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|
| ROE % | 10% | 20% | 12% | -1% | 1% | 0% | 22% | 8% |
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) | 3.46 | 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.) | 8994.68 | 8954.17 | 5879.74 | 4503.15 | 4792.46 |
| EV / Net Operating Revenue (X) | 3.47 | 4.01 | 3.78 | 3.27 | 3.48 |
| EV / EBITDA (X) | 6.86 | 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 3.46. This value exceeds the healthy maximum of 1. It has increased from 3.30 (Mar 24) to 3.46, marking an increase of 0.16.
- 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 8,994.68. It has increased from 8,954.17 (Mar 24) to 8,994.68, marking an increase of 40.51.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 3.47. This value exceeds the healthy maximum of 3. It has decreased from 4.01 (Mar 24) to 3.47, marking a decrease of 0.54.
- For EV / EBITDA (X), as of Mar 25, the value is 6.86. This value is within the healthy range. It has increased from 5.94 (Mar 24) to 6.86, marking an increase of 0.92.
- 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: 12.5 (Industry average Stock P/E: 88.25)
- 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: 3.46
- 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%
FAQ
What is the intrinsic value of Satin Creditcare Network Ltd?
Satin Creditcare Network Ltd's intrinsic value (as of 11 November 2025) is 176.65 which is 16.22% higher the current market price of 152.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 1,683 Cr. market cap, FY2025-2026 high/low of 176/131, 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 1,683 Cr..
What is the current Stock Price of Satin Creditcare Network Ltd as on 11 November 2025?
The current stock price of Satin Creditcare Network Ltd as on 11 November 2025 is 152.
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 176/131.
What is the Stock P/E of Satin Creditcare Network Ltd?
The Stock P/E of Satin Creditcare Network Ltd is 12.5.
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.