Share Price and Basic Stock Data
Last Updated: December 11, 2025, 2:59 pm
| PEG Ratio | 0.36 |
|---|
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, a crucial segment for financial inclusion in India. The company has demonstrated a robust trajectory in revenue growth, with reported revenues climbing from ₹1,378 Cr in FY 2022 to ₹2,234 Cr in FY 2024. This represents a significant recovery and expansion, especially in the aftermath of the pandemic’s adverse impact on the financial sector. The quarterly revenue figures also reflect this momentum, with a notable increase from ₹429 Cr in March 2023 to ₹596 Cr by December 2023. This upward trend showcases the company’s ability to tap into the growing demand for microloans, driven by a large segment of underserved customers. However, the recent quarter’s revenue of ₹657 Cr in September 2024 indicates a slower pace of growth compared to earlier quarters, which may warrant closer scrutiny by investors.
Profitability and Efficiency Metrics
Satin Creditcare’s profitability metrics present a mixed picture. The company reported a net profit of ₹126 Cr for the trailing twelve months, translating to an earnings per share (EPS) of ₹11.40. While the return on equity (ROE) stood at a modest 7.53%, this is below the sector averages, suggesting room for improvement. The financing profit margins, which hovered around 10% to 32% in previous quarters, have shown volatility, with recent figures indicating a decline to 4% in March 2025. This fluctuating profitability may stem from rising interest expenses, which have increased significantly, reaching ₹1,049 Cr in FY 2025. Investors should consider these efficiency metrics as indicators of how well the company is managing its operational costs against its revenue generation capabilities.
Balance Sheet Strength and Financial Ratios
The balance sheet of Satin Creditcare appears reasonably solid, with total assets growing from ₹7,850 Cr in FY 2023 to ₹11,587 Cr in FY 2025. However, the company’s debt profile remains a concern, as total liabilities have surged, resulting in a high total debt to equity ratio of 3.46x. This indicates that the company relies heavily on borrowed funds, which can amplify financial risk, especially in a rising interest rate environment. The interest coverage ratio, which stood at 1.25x, suggests that Satin Creditcare is just managing to cover its interest obligations. Additionally, the book value per share has risen to ₹231.08, providing some cushion for investors. Nonetheless, the significant reliance on debt could pose challenges, particularly if profitability does not stabilize or improve.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Satin Creditcare reflects a diverse ownership structure. Promoters hold approximately 36.17% of shares, while public investors account for about 54.30%. This distribution may indicate a healthy level of public confidence, as the number of shareholders increased dramatically from 16,146 in December 2022 to 48,704 by September 2025. However, the presence of foreign institutional investors (FIIs) has decreased, currently standing at just 3.90%, which could signal a lack of interest from international markets. Domestic institutional investors (DIIs) have also seen a slight decline to 5.18%. This mixed sentiment among institutional shareholders may suggest that while retail investors are optimistic, larger investors are exercising caution, which could impact the stock’s future performance.
Outlook, Risks, and Final Insight
The outlook for Satin Creditcare is shaped by both opportunities and risks. On the one hand, the growing demand for microfinance in India presents a significant growth avenue for the company. However, the increasing interest expenses and a high debt burden could constrain profitability and operational flexibility. Moreover, the fluctuating financial metrics may raise concerns about the company’s ability to sustain its growth trajectory. Investors should also be cautious of external factors such as regulatory changes and economic conditions that could impact the microfinance sector. Overall, while Satin Creditcare has demonstrated resilience and growth potential, a prudent investor might weigh these risks carefully against the company’s promising revenue trends and the macroeconomic environment before making investment decisions.
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 | 2,978 Cr. | 175 | 199/119 | 158 | 0.00 % | 5.80 % | 8.19 % | 10.0 | |
| Satin Creditcare Network Ltd | 1,585 Cr. | 143 | 176/131 | 11.8 | 237 | 0.00 % | 11.9 % | 7.53 % | 10.0 |
| CreditAccess Grameen Ltd | 20,181 Cr. | 1,261 | 1,490/750 | 151 | 448 | 0.00 % | 9.55 % | 7.86 % | 10.0 |
| Industry Average | 8,248.00 Cr | 526.33 | 81.40 | 281.00 | 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: 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 - 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 | 1,543,801 | 0.14 | 24.18 | 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
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: 11.8 (Industry average Stock P/E: 54.27)
- 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 | 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 11 December 2025) is 171.84 which is 20.17% higher the current market price of 143.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 1,585 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 1,585 Cr..
What is the current Stock Price of Satin Creditcare Network Ltd as on 11 December 2025?
The current stock price of Satin Creditcare Network Ltd as on 11 December 2025 is 143.
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 11.8.
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.