Satin Creditcare Network Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: June 29, 2025, 4:15 pm

Market Cap	1,738 Cr.
Current Price	157
High / Low	232/131
Stock P/E	9.34
Book Value	230
Dividend Yield	0.00 %
ROCE	11.9 %
ROE	7.53 %
Face Value	10.0
PEG Ratio	0.11

Stock P/E, Current Price, and Intrinsic Value Over Time

Stock P/E Current Price Intrinsic Value

View Share Price Target for Satin Creditcare Network Ltd

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	2,268 Cr.	133	255/119		154	0.00 %	5.81 %	8.19 %	10.0
Satin Creditcare Network Ltd	1,738 Cr.	157	232/131	9.34	230	0.00 %	11.9 %	7.53 %	10.0
CreditAccess Grameen Ltd	18,913 Cr.	1,187	1,409/750	35.6	436	0.84 %	9.52 %	7.86 %	10.0
Industry Average	7,639.67 Cr	492.33		22.47	273.33	0.28%	9.08%	7.86%	10.00

All Competitor Stocks of Satin Creditcare Network Ltd

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.

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: May 15, 2025, 5:21 am

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	599	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%

Profit & Loss Yearly Chart

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:	23%
TTM:	16%

Compounded Profit Growth
10 Years:	%
5 Years:	4%
3 Years:	108%
TTM:	-57%

Stock Price CAGR
10 Years:	%
5 Years:	17%
3 Years:	24%
1 Year:	-24%

Return on Equity
10 Years:	%
5 Years:	7%
3 Years:	10%
Last Year:	8%

Last Updated: Unknown

Balance Sheet

Last Updated: May 13, 2025, 2:46 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	7,915	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	10,490	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	56	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	10,490	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 10,490.00 Cr. (Mar 2024) to 11,587.00 Cr., marking an increase of 1,097.00 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 to be declining and may need further review. It has decreased from 56.00 Cr. (Mar 2024) to 55.00 Cr., marking a decrease of 1.00 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 10,490.00 Cr. (Mar 2024) to 11,587.00 Cr., marking an increase of 1,097.00 Cr..

Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.

Reserves and Borrowings Chart

Cash Flow

Month	Month		Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Cash from Operating Activity +	-966	-1,541	611	-225	-945	336	-956	-2,069	-563
Cash from Investing Activity +	-36	-55	-187	56	226	-51	-73	-28	-45
Cash from Financing Activity +	1,398	1,394	88	243	734	-442	390	2,263	914
Net Cash Flow	395	-203	512	73	15	-157	-639	166	305

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.

Free Cash Flow Chart

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%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Promoters	36.69%	36.69%	39.97%	38.00%	39.45%	41.70%	39.98%	36.06%	36.17%	36.17%	36.17%	36.17%
FIIs	10.53%	9.55%	8.66%	7.67%	7.48%	6.72%	6.93%	9.58%	6.67%	7.14%	6.09%	4.83%
DIIs	7.76%	7.59%	7.11%	6.65%	6.36%	5.19%	3.95%	8.27%	6.92%	7.04%	6.59%	6.11%
Public	44.38%	45.54%	43.63%	47.10%	46.14%	45.83%	48.65%	45.66%	49.81%	49.21%	50.70%	52.45%
Others	0.64%	0.64%	0.61%	0.58%	0.57%	0.55%	0.48%	0.44%	0.44%	0.44%	0.44%	0.44%
No. of Shareholders	17,618	16,272	15,546	16,146	16,244	20,166	23,527	28,795	44,333	41,951	50,610	52,490

Shareholding Pattern Chart

No. of Shareholders

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%

ROCE Trend

EPS Trend

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.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of Satin Creditcare Network Ltd as of July 1, 2025 is: 132.00

Calculation basis:

Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of July 1, 2025, Satin Creditcare Network Ltd is Overvalued by 15.92% compared to the current share price 157.00

Intrinsic Value of Satin Creditcare Network Ltd as of July 1, 2025 is: 239.81

Calculation basis:

Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of July 1, 2025, Satin Creditcare Network Ltd is Undervalued by 52.75% compared to the current share price 157.00

Last 5 Year EPS CAGR: 81.67%

*Investments are subject to market risks

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:
1. 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.
2. 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.
3. 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.
4. 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.
5. 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.
6. Stock P/E: 9.34 (Industry average Stock P/E: 22.47)
  - 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.
7. 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.
The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
Stock Rating:

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
Mr. H P Singh	Chairman & Managing Director
Mr. Satvinder Singh	Non Exe.Non Ind.Director
Mr. Anil Kumar Kalra	Independent Director
Mr. Sundeep Kumar Mehta	Independent Director
Mrs. Sangeeta Khorana	Independent Director
Mr. Goh Colin	Independent Director
Mr. Sanjay Kumar Bhatia	Independent Director

FAQ

What is the intrinsic value of Satin Creditcare Network Ltd?

Satin Creditcare Network Ltd's intrinsic value (as of 01 July 2025) is 132.00 — 15.92% lower the current market price of 157.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 1,738 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 1,738 Cr..

What is the current Stock Price of Satin Creditcare Network Ltd as on 01 July 2025?

The current stock price of Satin Creditcare Network Ltd as on 01 July 2025 is 157.

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 9.34.

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.