Satin Creditcare Network Ltd: Share Price Analysis, Intrinsic Value & Fundamentals (2025)

Share Price and Basic Stock Data

Last Updated: February 27, 2025, 11:45 pm

Market Cap	1,631 Cr.
Current Price	148
High / Low	275/134
Stock P/E	5.58
Book Value	230
Dividend Yield	0.00 %
ROCE	16.6 %
ROE	21.6 %
Face Value	10.0
PEG Ratio	0.43

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	2,294 Cr.	135	258/131	7.69	176	0.00 %	15.0 %	20.4 %	10.0
Satin Creditcare Network Ltd	1,631 Cr.	148	275/134	5.58	230	0.00 %	16.6 %	21.6 %	10.0
CreditAccess Grameen Ltd	15,505 Cr.	971	1,553/750	17.6	438	1.03 %	14.8 %	24.8 %	10.0
Industry Average	6,476.67 Cr	418.00		10.29	281.33	0.34%	15.47%	22.27%	10.00

All Competitor Stocks of Satin Creditcare Network Ltd

Quarterly Result

Metric	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Revenue	404	346	325	346	363	345	360	416	429	462	538	596	642
Interest	163	165	154	155	157	159	145	155	158	185	217	247	252
Expenses	186	285	154	144	122	463	138	178	132	156	173	192	217
Financing Profit	55	-104	17	47	85	-277	77	83	139	121	148	156	173
Financing Margin %	14%	-30%	5%	14%	23%	-80%	21%	20%	32%	26%	28%	26%	27%
Other Income	2	1	0	2	1	1	1	0	0	1	1	1	5
Depreciation	4	4	4	4	4	3	4	4	8	4	6	6	6
Profit before tax	53	-107	14	46	82	-280	75	79	132	118	143	151	171
Tax %	29%	24%	20%	26%	30%	25%	23%	26%	25%	25%	25%	25%	25%
Net Profit	38	-81	11	34	57	-210	57	59	99	88	107	113	128
EPS in Rs	5.25	-11.20	1.52	4.66	7.58	-27.95	7.23	7.05	11.85	9.93	10.72	10.24	11.61
Gross NPA %
Net NPA %

Last Updated: Unknown

Below is a detailed analysis of the quarterly data for Satin Creditcare Network Ltd based on the most recent figures (Mar 2024) and their trends compared to the previous period:

For Interest, as of Mar 2024, the value is ₹252.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from ₹247.00 Cr. (Dec 2023) to ₹252.00 Cr., marking an increase of ₹5.00 Cr..
For Expenses, as of Mar 2024, the value is ₹217.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from ₹192.00 Cr. (Dec 2023) to ₹217.00 Cr., marking an increase of ₹25.00 Cr..
For Other Income, as of Mar 2024, the value is ₹5.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹1.00 Cr. (Dec 2023) to ₹5.00 Cr., marking an increase of ₹4.00 Cr..
For Depreciation, as of Mar 2024, the value is ₹6.00 Cr.. The value remains steady. There is no change compared to the previous period (Dec 2023) which recorded ₹6.00 Cr..
For Profit before tax, as of Mar 2024, the value is ₹171.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹151.00 Cr. (Dec 2023) to ₹171.00 Cr., marking an increase of ₹20.00 Cr..
For Tax %, as of Mar 2024, the value is 25.00%. The value remains steady. There is no change compared to the previous period (Dec 2023) which recorded 25.00%.
For Net Profit, as of Mar 2024, the value is ₹128.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹113.00 Cr. (Dec 2023) to ₹128.00 Cr., marking an increase of ₹15.00 Cr..
For EPS in Rs, as of Mar 2024, the value is ₹11.61. The value appears strong and on an upward trend. It has increased from ₹10.24 (Dec 2023) to ₹11.61, marking an increase of ₹1.37.

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: Unknown

Metric	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Revenue	801	1,031	1,443	1,500	1,377	1,378	1,549	2,234
Interest	436	536	646	589	638	631	617	901
Expenses	322	365	471	685	737	700	911	733
Financing Profit	44	130	326	225	2	47	22	599
Financing Margin %	5%	13%	23%	15%	0%	3%	1%	27%
Other Income	0	0	3	4	3	3	2	6
Depreciation	6	15	13	18	15	16	18	23
Profit before tax	38	116	316	212	-10	34	5	583
Tax %	34%	35%	36%	27%	43%	39%	8%	25%
Net Profit	25	75	201	155	-14	21	5	436
EPS in Rs	4.78	11.43	29.72	21.52	-1.94	2.76	0.58	39.46
Dividend Payout %	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
YoY Net Profit Growth (%)	200.00%	168.00%	-22.89%	-109.03%	250.00%	-76.19%	8620.00%
Change in YoY Net Profit Growth (%)	0.00%	-32.00%	-190.89%	-86.15%	359.03%	-326.19%	8696.19%

Satin Creditcare Network Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 7 years from 2017-2018 to 2023-2024.

Growth

Compounded Sales Growth
10 Years:	%
5 Years:	9%
3 Years:	18%
TTM:	29%

Compounded Profit Growth
10 Years:	%
5 Years:	17%
3 Years:	221%
TTM:	-28%

Stock Price CAGR
10 Years:	%
5 Years:	-3%
3 Years:	19%
1 Year:	-37%

Return on Equity
10 Years:	%
5 Years:	8%
3 Years:	9%
Last Year:	22%

Last Updated: Unknown

Balance Sheet

Last Updated: February 12, 2025, 2:54 pm

Month	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Sep 2024
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	2,431
Borrowings	3,889	5,161	5,271	5,542	6,181	5,744	5,911	7,915	8,388
Other Liabilities	251	253	321	309	377	330	310	174	247
Total Liabilities	4,778	6,299	6,741	7,300	8,045	7,655	7,850	10,490	11,176
Fixed Assets	73	75	81	94	131	126	129	133	138
CWIP	12	16	16	34	4	0	-0	0	0
Investments	21	72	264	246	1	49	62	56	50
Other Assets	4,672	6,136	6,380	6,926	7,909	7,481	7,659	10,301	10,988
Total Assets	4,778	6,299	6,741	7,300	8,045	7,655	7,850	10,490	11,176

Below is a detailed analysis of the balance sheet data for Satin Creditcare Network Ltd based on the most recent figures (Sep 2024) and their trends compared to the previous period:

For Equity Capital, as of Sep 2024, 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 Sep 2024, the value is ₹2,431.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹2,291.00 Cr. (Mar 2024) to ₹2,431.00 Cr., marking an increase of ₹140.00 Cr..
For Borrowings, as of Sep 2024, the value is ₹8,388.00 Cr.. The value appears to be increasing, which may not be favorable. However, Borrowings exceed Reserves, which may signal higher financial risk. It has increased from ₹7,915.00 Cr. (Mar 2024) to ₹8,388.00 Cr., marking an increase of ₹473.00 Cr..
For Other Liabilities, as of Sep 2024, the value is ₹247.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from ₹174.00 Cr. (Mar 2024) to ₹247.00 Cr., marking an increase of ₹73.00 Cr..
For Total Liabilities, as of Sep 2024, the value is ₹11,176.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from ₹10,490.00 Cr. (Mar 2024) to ₹11,176.00 Cr., marking an increase of ₹686.00 Cr..
For Fixed Assets, as of Sep 2024, the value is ₹138.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹133.00 Cr. (Mar 2024) to ₹138.00 Cr., marking an increase of ₹5.00 Cr..
For CWIP, as of Sep 2024, 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 Sep 2024, the value is ₹50.00 Cr.. The value appears to be declining and may need further review. It has decreased from ₹56.00 Cr. (Mar 2024) to ₹50.00 Cr., marking a decrease of ₹6.00 Cr..
For Other Assets, as of Sep 2024, the value is ₹10,988.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹10,301.00 Cr. (Mar 2024) to ₹10,988.00 Cr., marking an increase of ₹687.00 Cr..
For Total Assets, as of Sep 2024, the value is ₹11,176.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹10,490.00 Cr. (Mar 2024) to ₹11,176.00 Cr., marking an increase of ₹686.00 Cr..

However, the Borrowings (₹8,388.00 Cr.) are higher than the Reserves (₹2,431.00 Cr.), which may signal higher financial risk.

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	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Cash from Operating Activity +	-966	-1,541	611	-225	-945	336	-956	-2,069
Cash from Investing Activity +	-36	-55	-187	56	226	-51	-73	-28
Cash from Financing Activity +	1,398	1,394	88	243	734	-442	390	2,263
Net Cash Flow	395	-203	512	73	15	-157	-639	166

Free Cash Flow

Month	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Free Cash Flow	319.00	360.00	466.00	680.00	731.00	695.00	906.00	726.00

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	2025-02-22	0%

ROCE Trend

EPS Trend

Key Financial Ratios

Month	Mar 24	Mar 23	Mar 22	Mar 21	Mar 20
FaceValue	10.00	10.00	10.00	10.00	10.00
Basic EPS (Rs.)	44.34	0.62	2.96	-2.26	30.43
Diluted EPS (Rs.)	43.27	0.59	2.72	-2.26	30.27
Cash EPS (Rs.)	41.67	2.74	4.88	0.16	33.36
Book Value[Excl.RevalReserv]/Share (Rs.)	218.17	192.00	212.07	223.58	280.14
Book Value[Incl.RevalReserv]/Share (Rs.)	218.17	192.00	212.07	223.58	280.14
Revenue From Operations / Share (Rs.)	202.90	183.65	184.58	206.96	289.97
PBDIT / Share (Rs.)	136.91	75.52	90.60	96.76	157.65
PBIT / Share (Rs.)	134.85	73.35	88.49	94.49	154.26
PBT / Share (Rs.)	52.97	0.61	4.58	-1.47	40.92
Net Profit / Share (Rs.)	39.62	0.56	2.77	-2.10	29.97
NP After MI And SOA / Share (Rs.)	39.62	0.56	2.77	-2.10	29.97
PBDIT Margin (%)	67.47	41.12	49.08	46.75	54.36
PBIT Margin (%)	66.45	39.93	47.94	45.65	53.19
PBT Margin (%)	26.10	0.33	2.48	-0.70	14.11
Net Profit Margin (%)	19.52	0.30	1.50	-1.01	10.33
NP After MI And SOA Margin (%)	19.52	0.30	1.50	-1.01	10.33
Return on Networth / Equity (%)	18.15	0.29	1.30	-0.94	10.69
Return on Capital Employeed (%)	61.10	37.76	20.21	16.77	27.46
Return On Assets (%)	4.15	0.06	0.27	-0.17	2.12
Long Term Debt / Equity (X)	0.00	0.00	1.05	1.50	0.98
Total Debt / Equity (X)	3.30	3.63	3.63	4.16	3.83
Asset Turnover Ratio (%)	0.24	0.23	0.16	0.16	0.20
Current Ratio (X)	1.28	1.22	1.69	1.82	1.62
Quick Ratio (X)	1.28	1.22	1.69	1.82	1.62
Interest Coverage Ratio (X)	1.67	1.04	1.08	1.01	1.39
Interest Coverage Ratio (Post Tax) (X)	1.48	1.01	1.03	0.97	1.26
Enterprise Value (Cr.)	8954.17	5879.74	4503.15	4792.46	3990.28
EV / Net Operating Revenue (X)	4.01	3.78	3.27	3.48	2.66
EV / EBITDA (X)	5.94	9.18	6.66	7.45	4.89
MarketCap / Net Operating Revenue (X)	1.03	0.69	0.55	0.41	0.22
Price / BV (X)	0.96	0.66	0.48	0.38	0.22
Price / Net Operating Revenue (X)	1.03	0.69	0.55	0.41	0.22
EarningsYield	0.18	0.00	0.02	-0.02	0.46

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 24, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 23) which recorded 10.00.
For Basic EPS (Rs.), as of Mar 24, the value is 44.34. This value is within the healthy range. It has increased from 0.62 (Mar 23) to 44.34, marking an increase of 43.72.
For Diluted EPS (Rs.), as of Mar 24, the value is 43.27. This value is within the healthy range. It has increased from 0.59 (Mar 23) to 43.27, marking an increase of 42.68.
For Cash EPS (Rs.), as of Mar 24, the value is 41.67. This value is within the healthy range. It has increased from 2.74 (Mar 23) to 41.67, marking an increase of 38.93.
For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 218.17. It has increased from 192.00 (Mar 23) to 218.17, marking an increase of 26.17.
For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 218.17. It has increased from 192.00 (Mar 23) to 218.17, marking an increase of 26.17.
For Revenue From Operations / Share (Rs.), as of Mar 24, the value is 202.90. It has increased from 183.65 (Mar 23) to 202.90, marking an increase of 19.25.
For PBDIT / Share (Rs.), as of Mar 24, the value is 136.91. This value is within the healthy range. It has increased from 75.52 (Mar 23) to 136.91, marking an increase of 61.39.
For PBIT / Share (Rs.), as of Mar 24, the value is 134.85. This value is within the healthy range. It has increased from 73.35 (Mar 23) to 134.85, marking an increase of 61.50.
For PBT / Share (Rs.), as of Mar 24, the value is 52.97. This value is within the healthy range. It has increased from 0.61 (Mar 23) to 52.97, marking an increase of 52.36.
For Net Profit / Share (Rs.), as of Mar 24, the value is 39.62. This value is within the healthy range. It has increased from 0.56 (Mar 23) to 39.62, marking an increase of 39.06.
For NP After MI And SOA / Share (Rs.), as of Mar 24, the value is 39.62. This value is within the healthy range. It has increased from 0.56 (Mar 23) to 39.62, marking an increase of 39.06.
For PBDIT Margin (%), as of Mar 24, the value is 67.47. This value is within the healthy range. It has increased from 41.12 (Mar 23) to 67.47, marking an increase of 26.35.
For PBIT Margin (%), as of Mar 24, the value is 66.45. This value exceeds the healthy maximum of 20. It has increased from 39.93 (Mar 23) to 66.45, marking an increase of 26.52.
For PBT Margin (%), as of Mar 24, the value is 26.10. This value is within the healthy range. It has increased from 0.33 (Mar 23) to 26.10, marking an increase of 25.77.
For Net Profit Margin (%), as of Mar 24, the value is 19.52. This value exceeds the healthy maximum of 10. It has increased from 0.30 (Mar 23) to 19.52, marking an increase of 19.22.
For NP After MI And SOA Margin (%), as of Mar 24, the value is 19.52. This value is within the healthy range. It has increased from 0.30 (Mar 23) to 19.52, marking an increase of 19.22.
For Return on Networth / Equity (%), as of Mar 24, the value is 18.15. This value is within the healthy range. It has increased from 0.29 (Mar 23) to 18.15, marking an increase of 17.86.
For Return on Capital Employeed (%), as of Mar 24, the value is 61.10. This value is within the healthy range. It has increased from 37.76 (Mar 23) to 61.10, marking an increase of 23.34.
For Return On Assets (%), as of Mar 24, the value is 4.15. This value is below the healthy minimum of 5. It has increased from 0.06 (Mar 23) to 4.15, marking an increase of 4.09.
For Long Term Debt / Equity (X), as of Mar 24, 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 23) which recorded 0.00.
For Total Debt / Equity (X), as of Mar 24, the value is 3.30. This value exceeds the healthy maximum of 1. It has decreased from 3.63 (Mar 23) to 3.30, marking a decrease of 0.33.
For Asset Turnover Ratio (%), as of Mar 24, the value is 0.24. It has increased from 0.23 (Mar 23) to 0.24, marking an increase of 0.01.
For Current Ratio (X), as of Mar 24, the value is 1.28. This value is below the healthy minimum of 1.5. It has increased from 1.22 (Mar 23) to 1.28, marking an increase of 0.06.
For Quick Ratio (X), as of Mar 24, the value is 1.28. This value is within the healthy range. It has increased from 1.22 (Mar 23) to 1.28, marking an increase of 0.06.
For Interest Coverage Ratio (X), as of Mar 24, the value is 1.67. This value is below the healthy minimum of 3. It has increased from 1.04 (Mar 23) to 1.67, marking an increase of 0.63.
For Interest Coverage Ratio (Post Tax) (X), as of Mar 24, the value is 1.48. This value is below the healthy minimum of 3. It has increased from 1.01 (Mar 23) to 1.48, marking an increase of 0.47.
For Enterprise Value (Cr.), as of Mar 24, the value is 8,954.17. It has increased from 5,879.74 (Mar 23) to 8,954.17, marking an increase of 3,074.43.
For EV / Net Operating Revenue (X), as of Mar 24, the value is 4.01. This value exceeds the healthy maximum of 3. It has increased from 3.78 (Mar 23) to 4.01, marking an increase of 0.23.
For EV / EBITDA (X), as of Mar 24, the value is 5.94. This value is within the healthy range. It has decreased from 9.18 (Mar 23) to 5.94, marking a decrease of 3.24.
For MarketCap / Net Operating Revenue (X), as of Mar 24, the value is 1.03. This value is within the healthy range. It has increased from 0.69 (Mar 23) to 1.03, marking an increase of 0.34.
For Price / BV (X), as of Mar 24, the value is 0.96. This value is below the healthy minimum of 1. It has increased from 0.66 (Mar 23) to 0.96, marking an increase of 0.30.
For Price / Net Operating Revenue (X), as of Mar 24, the value is 1.03. This value is within the healthy range. It has increased from 0.69 (Mar 23) to 1.03, marking an increase of 0.34.
For EarningsYield, as of Mar 24, the value is 0.18. This value is below the healthy minimum of 5. It has increased from 0.00 (Mar 23) to 0.18, marking an increase of 0.18.

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 February 28, 2025 is: ₹226.21

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 February 28, 2025, Satin Creditcare Network Ltd is Undervalued by 52.84% compared to the current share price 148.00

Intrinsic Value of Satin Creditcare Network Ltd as of February 28, 2025 is: 255.37

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 February 28, 2025, Satin Creditcare Network Ltd is Undervalued by 72.55% compared to the current share price ₹148.00

Last 5 Year EPS CAGR: 12.89%

*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: 19.52%
  - 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: 61.1% (Industry Average ROCE: 15.47%)
  - 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%: 18.15% (Industry Average ROE: 22.27%)
  - 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): 1.48
  - 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: 1.28
  - 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: 5.58 (Industry average Stock P/E: 10.29)
  - 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: 3.3
  - 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

No data availabale for About the Company

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Management Data not Available

FAQ

What is the latest intrinsic value of Satin Creditcare Network Ltd?

Let's break down Satin Creditcare Network Ltd's intrinsic value simply:

We calculate intrinsic value using the PE Ratio Method - comparing the company's current price-to-earnings ratio with its historical average and industry peers. Think of it like checking if a stock is "on sale" compared to its typical pricing.

As of 28 February 2025:

Calculated Fair Value: ₹226.21
Current Market Price: ₹148.00
Variance: 52.84% higher

This suggests Satin Creditcare Network Ltd is currently undervalued by 52.84%. For context:

Market Cap: 1,631 Cr.
52-Week Range: 275/134
Reserves (Sep 2024): 2,431 Cr
Liabilities: 11,176 Cr

Remember: The PE method gives a snapshot based on earnings multiples. While useful for quick comparisons, investors should also consider growth prospects, industry trends, and economic conditions. This calculation assumes historical PE ratios remain relevant - always verify with current market dynamics.

What is the Market Cap of Satin Creditcare Network Ltd?

The Market Cap of Satin Creditcare Network Ltd is 1,631 Cr..

What is the current Stock Price of Satin Creditcare Network Ltd as on 28 February 2025?

The current stock price of Satin Creditcare Network Ltd as on 28 February 2025 is ₹148.

What is the High / Low of Satin Creditcare Network Ltd stocks in FY 2024-2025?

In FY 2024-2025, the High / Low of Satin Creditcare Network Ltd stocks is 275/134.

What is the Stock P/E of Satin Creditcare Network Ltd?

The Stock P/E of Satin Creditcare Network Ltd is 5.58.

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 16.6 %.

What is the ROE of Satin Creditcare Network Ltd?

The ROE of Satin Creditcare Network Ltd is 21.6 %.

What is the Face Value of Satin Creditcare Network Ltd?

The Face Value of Satin Creditcare Network Ltd is 10.0.