Share Price and Basic Stock Data
Last Updated: February 12, 2026, 9:21 pm
| PEG Ratio | 0.26 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Satin Creditcare Network Ltd operates in the microfinance sector, providing financial services primarily to underserved segments. The company reported a revenue of ₹1,549 Cr for the fiscal year ending March 2023, reflecting a significant rise from ₹1,378 Cr in the previous year. This upward trajectory continued into FY 2024, with revenue projected to reach ₹2,234 Cr, and further increasing to ₹2,595 Cr in FY 2025. Quarterly revenue figures showed robust growth, with December 2023 revenue reported at ₹596 Cr, up from ₹538 Cr in September 2023. This consistent growth indicates strong demand for microfinance products, aligning with trends in financial inclusion across India. The company’s revenue from operations per share stood at ₹235.79 for the year ending March 2025, up from ₹183.65 in March 2023, showcasing improved operational efficiency. Overall, Satin Creditcare’s revenue trends reflect a solid performance in a competitive microfinance landscape, driven by strategic initiatives and market demand.
Profitability and Efficiency Metrics
The profitability metrics for Satin Creditcare indicate a recovery and strengthening of its financial health. The net profit for FY 2023 was recorded at ₹5 Cr, a stark improvement from a loss of ₹14 Cr in FY 2021. This upward trend continued with net profit rising to ₹436 Cr in FY 2024 and ₹186 Cr in FY 2025. The company’s profit margins also exhibited improvement; the net profit margin for FY 2025 stood at 7.17%, up from 0.30% in FY 2023. The interest coverage ratio (ICR) was reported at 1.25x in March 2025, indicating that the company generates sufficient earnings to cover its interest obligations, although it remains lower than the typical sector range of 1.5x to 2.0x. Additionally, the return on equity (ROE) stood at 7.53%, reflecting an efficient use of shareholder funds. The financial margin percentage fluctuated, peaking at 32% in March 2023, but declining to 10% by September 2024, underscoring volatility in financing profitability.
Balance Sheet Strength and Financial Ratios
Satin Creditcare’s balance sheet demonstrates a mixed picture of strength and challenges. As of March 2025, the total assets stood at ₹11,587 Cr, up from ₹7,850 Cr in March 2023, driven by increased borrowings which rose to ₹8,791 Cr in FY 2025 from ₹5,911 Cr in FY 2023. The company’s equity capital remained stable at ₹110 Cr, while reserves increased to ₹2,511 Cr, providing a cushion against potential downturns. However, the total debt to equity ratio was reported at 3.46x, significantly higher than the typical sector range of 2.0x to 2.5x, indicating a reliance on debt financing that could pose risks during economic slowdowns. The book value per share, at ₹231.08, reflects the company’s underlying asset value, although it is trading at a price-to-book value (P/BV) of 0.62x, suggesting that the market undervalues its assets relative to its equity. Overall, while the company shows growth in assets and reserves, its high leverage warrants attention.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Satin Creditcare reveals a diverse investor base, which is crucial for maintaining stability and confidence in its operations. As of September 2025, public shareholders constituted 54.30% of the total shareholding, indicating strong retail participation. Promoters held 36.17%, while foreign institutional investors (FIIs) and domestic institutional investors (DIIs) accounted for 3.90% and 5.18%, respectively. The increase in public shareholding from 47.10% in December 2022 to the current levels demonstrates growing investor interest, likely driven by the company’s improved financial performance. However, the decline in FII holdings from 7.67% in December 2022 to 3.90% raises concerns about foreign investor confidence. The number of shareholders surged to 48,704, reflecting increased retail engagement. This diverse ownership structure can provide resilience against market volatility, but the reduction in institutional stakes may suggest a need for enhanced investor relations and communication.
Outlook, Risks, and Final Insight
Looking ahead, Satin Creditcare faces both opportunities and risks that could shape its performance. The strong revenue growth and improving profitability metrics position the company favorably within the microfinance sector, particularly as financial inclusion initiatives gain momentum in India. However, the high debt-to-equity ratio raises concerns about financial stability, especially in a rising interest rate environment that could increase borrowing costs. Additionally, fluctuations in financing margins could impact profitability. The potential for regulatory changes affecting microfinance operations also presents a risk that could influence future performance. On the positive side, the increasing public shareholding indicates growing confidence in the company’s management and strategy. If Satin Creditcare can balance its debt levels while capitalizing on its revenue growth, it could emerge as a leader in the microfinance space. Conversely, failure to address its leverage and maintain investor confidence may hinder its long-term sustainability.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Muthoot Microfin Ltd | 3,189 Cr. | 187 | 199/119 | 158 | 0.00 % | 5.80 % | 8.19 % | 10.0 | |
| Satin Creditcare Network Ltd | 1,722 Cr. | 156 | 176/131 | 8.97 | 237 | 0.00 % | 11.9 % | 7.53 % | 10.0 |
| CreditAccess Grameen Ltd | 20,314 Cr. | 1,268 | 1,497/848 | 41.9 | 448 | 0.00 % | 9.55 % | 7.86 % | 10.0 |
| Industry Average | 8,408.33 Cr | 537.00 | 25.44 | 281.00 | 0.00% | 9.08% | 7.86% | 10.00 |
Quarterly Result
| Metric | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 416 | 429 | 462 | 538 | 596 | 642 | 633 | 657 | 684 | 621 | 709 | 788 | 747 |
| Interest | 155 | 158 | 185 | 217 | 247 | 252 | 251 | 266 | 268 | 264 | 297 | 344 | 289 |
| Expenses | 178 | 132 | 156 | 173 | 192 | 217 | 237 | 323 | 398 | 333 | 352 | 373 | 362 |
| Financing Profit | 83 | 139 | 121 | 148 | 156 | 173 | 145 | 68 | 19 | 24 | 60 | 71 | 96 |
| Financing Margin % | 20% | 32% | 26% | 28% | 26% | 27% | 23% | 10% | 3% | 4% | 8% | 9% | 13% |
| Other Income | 0 | 0 | 1 | 1 | 1 | 5 | 2 | 1 | 4 | 1 | 5 | 5 | 5 |
| Depreciation | 4 | 8 | 4 | 6 | 6 | 6 | 6 | 7 | 7 | 8 | 6 | 7 | 8 |
| Profit before tax | 79 | 132 | 118 | 143 | 151 | 171 | 141 | 62 | 15 | 18 | 58 | 69 | 93 |
| Tax % | 26% | 25% | 25% | 25% | 25% | 25% | 25% | 27% | 5% | -20% | 22% | 23% | 23% |
| Net Profit | 59 | 99 | 88 | 107 | 113 | 128 | 105 | 45 | 14 | 22 | 45 | 53 | 72 |
| EPS in Rs | 7.05 | 11.85 | 9.93 | 10.72 | 10.24 | 11.61 | 9.53 | 4.05 | 1.29 | 1.98 | 4.08 | 4.81 | 6.51 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: February 4, 2026, 7:16 am
Below is a detailed analysis of the quarterly data for Satin Creditcare Network Ltd based on the most recent figures (Dec 2025) and their trends compared to the previous period:
- For Interest, as of Dec 2025, the value is 289.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 344.00 Cr. (Sep 2025) to 289.00 Cr., marking a decrease of 55.00 Cr..
- For Expenses, as of Dec 2025, the value is 362.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 373.00 Cr. (Sep 2025) to 362.00 Cr., marking a decrease of 11.00 Cr..
- For Other Income, as of Dec 2025, the value is 5.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2025) which recorded 5.00 Cr..
- For Depreciation, as of Dec 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. (Sep 2025) to 8.00 Cr., marking an increase of 1.00 Cr..
- For Profit before tax, as of Dec 2025, the value is 93.00 Cr.. The value appears strong and on an upward trend. It has increased from 69.00 Cr. (Sep 2025) to 93.00 Cr., marking an increase of 24.00 Cr..
- For Tax %, as of Dec 2025, the value is 23.00%. The value remains steady. There is no change compared to the previous period (Sep 2025) which recorded 23.00%.
- For Net Profit, as of Dec 2025, the value is 72.00 Cr.. The value appears strong and on an upward trend. It has increased from 53.00 Cr. (Sep 2025) to 72.00 Cr., marking an increase of 19.00 Cr..
- For EPS in Rs, as of Dec 2025, the value is 6.51. The value appears strong and on an upward trend. It has increased from 4.81 (Sep 2025) to 6.51, marking an increase of 1.70.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 4:41 am
| 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 | 2,802 |
| Interest | 436 | 536 | 646 | 589 | 638 | 631 | 617 | 901 | 1,049 | 1,173 |
| Expenses | 322 | 365 | 471 | 685 | 737 | 700 | 911 | 733 | 1,290 | 1,455 |
| Financing Profit | 44 | 130 | 326 | 225 | 2 | 47 | 22 | 600 | 256 | 173 |
| Financing Margin % | 5% | 13% | 23% | 15% | 0% | 3% | 1% | 27% | 10% | 6% |
| Other Income | 0 | 0 | 3 | 4 | 3 | 3 | 2 | 6 | 7 | 15 |
| Depreciation | 6 | 15 | 13 | 18 | 15 | 16 | 18 | 23 | 27 | 28 |
| Profit before tax | 38 | 116 | 316 | 212 | -10 | 34 | 5 | 583 | 236 | 160 |
| Tax % | 34% | 35% | 36% | 27% | 43% | 39% | 8% | 25% | 21% | |
| Net Profit | 25 | 75 | 201 | 155 | -14 | 21 | 5 | 436 | 186 | 134 |
| EPS in Rs | 4.78 | 11.43 | 29.72 | 21.52 | -1.94 | 2.76 | 0.58 | 39.46 | 16.85 | 12.16 |
| 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: December 4, 2025, 1:56 am
| Month | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 37 | 47 | 49 | 52 | 66 | 75 | 85 | 110 | 110 | 110 |
| Reserves | 600 | 838 | 1,101 | 1,397 | 1,420 | 1,507 | 1,543 | 2,291 | 2,433 | 2,511 |
| Borrowing | 3,889 | 5,161 | 5,271 | 5,542 | 6,181 | 5,744 | 5,911 | 7,910 | 8,791 | 9,640 |
| Other Liabilities | 251 | 253 | 321 | 309 | 377 | 330 | 310 | 174 | 253 | 589 |
| Total Liabilities | 4,778 | 6,299 | 6,741 | 7,300 | 8,045 | 7,655 | 7,850 | 10,485 | 11,587 | 12,851 |
| Fixed Assets | 73 | 75 | 81 | 94 | 131 | 126 | 129 | 133 | 137 | 138 |
| CWIP | 12 | 16 | 16 | 34 | 4 | 0 | 0 | 0 | 0 | 0 |
| Investments | 21 | 72 | 264 | 246 | 1 | 49 | 62 | 51 | 55 | 317 |
| Other Assets | 4,672 | 6,136 | 6,380 | 6,926 | 7,909 | 7,481 | 7,659 | 10,301 | 11,395 | 12,395 |
| Total Assets | 4,778 | 6,299 | 6,741 | 7,300 | 8,045 | 7,655 | 7,850 | 10,485 | 11,587 | 12,851 |
Below is a detailed analysis of the balance sheet data for Satin Creditcare Network Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 110.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 110.00 Cr..
- For Reserves, as of Sep 2025, the value is 2,511.00 Cr.. The value appears strong and on an upward trend. It has increased from 2,433.00 Cr. (Mar 2025) to 2,511.00 Cr., marking an increase of 78.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 589.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 253.00 Cr. (Mar 2025) to 589.00 Cr., marking an increase of 336.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 12,851.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 11,587.00 Cr. (Mar 2025) to 12,851.00 Cr., marking an increase of 1,264.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 138.00 Cr.. The value appears strong and on an upward trend. It has increased from 137.00 Cr. (Mar 2025) to 138.00 Cr., marking an increase of 1.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Investments, as of Sep 2025, the value is 317.00 Cr.. The value appears strong and on an upward trend. It has increased from 55.00 Cr. (Mar 2025) to 317.00 Cr., marking an increase of 262.00 Cr..
- For Other Assets, as of Sep 2025, the value is 12,395.00 Cr.. The value appears strong and on an upward trend. It has increased from 11,395.00 Cr. (Mar 2025) to 12,395.00 Cr., marking an increase of 1,000.00 Cr..
- For Total Assets, as of Sep 2025, the value is 12,851.00 Cr.. The value appears strong and on an upward trend. It has increased from 11,587.00 Cr. (Mar 2025) to 12,851.00 Cr., marking an increase of 1,264.00 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 | 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 | 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 | 1,543,801 | 0.12 | 22.19 | 1,041,889 | 2025-12-08 05:12:24 | 48.17% |
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
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: 8.97 (Industry average Stock P/E: 25.44)
- 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%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Microfinance Institutions | 5th Floor, Kundan Bhawan, Azadpur Commercial Complex, New Delhi Delhi 110033 | Contact not found |
| 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 13 February 2026) is ₹175.72 which is 12.64% higher the current market price of ₹156.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹1,722 Cr. market cap, FY2025-2026 high/low of ₹176/131, reserves of ₹2,511 Cr, and liabilities of ₹12,851 Cr.
What is the Market Cap of Satin Creditcare Network Ltd?
The Market Cap of Satin Creditcare Network Ltd is 1,722 Cr..
What is the current Stock Price of Satin Creditcare Network Ltd as on 13 February 2026?
The current stock price of Satin Creditcare Network Ltd as on 13 February 2026 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 ₹176/131.
What is the Stock P/E of Satin Creditcare Network Ltd?
The Stock P/E of Satin Creditcare Network Ltd is 8.97.
What is the Book Value of Satin Creditcare Network Ltd?
The Book Value of Satin Creditcare Network Ltd is 237.
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.