Share Price and Basic Stock Data
Last Updated: January 16, 2026, 11:53 am
| 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 within the microfinance sector, focusing on providing financial services to underserved populations. As of the latest reported quarter (Sep 2023), the company’s revenue stood at ₹538 Cr, reflecting a consistent growth trajectory from ₹360 Cr in Sep 2022. This upward trend continued, with revenue recording ₹596 Cr in Dec 2023 and projected to reach ₹642 Cr in Mar 2024. Over the fiscal years, Satin reported a revenue of ₹1,549 Cr for Mar 2023, with expectations to increase to ₹2,234 Cr by Mar 2024, and further to ₹2,595 Cr by Mar 2025. Such growth can be attributed to the rising demand for microfinance solutions, driven by the increasing entrepreneurial spirit among lower-income segments, coupled with the company’s strategic initiatives to expand its outreach. The average quarterly revenue growth rate from FY 2023 to FY 2025 indicates robust operational performance, positioning Satin favorably within the competitive microfinance landscape.
Profitability and Efficiency Metrics
Profitability metrics for Satin Creditcare indicate a mixed performance, with net profit recorded at ₹134 Cr for the TTM period, translating to an earnings per share (EPS) of ₹12.16. However, the company has faced fluctuations in profit margins, with net profit margins standing at 7.17% for Mar 2025, down from 19.52% in Mar 2024. The interest coverage ratio (ICR) was reported at 1.25x, suggesting that while Satin generates sufficient earnings to cover interest expenses, it operates on a relatively thin margin. The return on equity (ROE) was noted at 7.53%, which is below the sector average, indicating room for improvement in shareholder returns. The financing margin also exhibited variability, peaking at 32% in Mar 2023 but declining to 10% by Sep 2024, reflecting challenges in maintaining profitability amidst rising costs. Overall, while Satin has demonstrated revenue growth, its profitability metrics warrant close monitoring to ensure sustainable growth.
Balance Sheet Strength and Financial Ratios
Satin Creditcare’s balance sheet exhibits a total asset base of ₹11,587 Cr as of Mar 2025, supported by reserves of ₹2,511 Cr. The company’s borrowing levels have increased, with total borrowings reported at ₹8,791 Cr for Mar 2025, leading to a high total debt-to-equity ratio of 3.46x. This elevated leverage poses a potential risk, particularly in a rising interest rate environment. The book value per share stood at ₹231.08, indicating a stable asset backing per share. Furthermore, the company recorded a return on capital employed (ROCE) of 11.9%, which reflects efficient utilization of capital to generate earnings. However, the interest coverage ratio suggests a tightening of financial flexibility, necessitating prudent management of debt levels. Overall, while the balance sheet shows strength in asset accumulation, the high leverage raises concerns regarding financial stability and operational resilience.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Satin Creditcare indicates a diversified ownership structure, with promoters holding 36.17% as of Mar 2025. Foreign institutional investors (FIIs) accounted for 3.90%, while domestic institutional investors (DIIs) held 5.18%. Public shareholding represented a significant 54.30%, showcasing robust retail interest and confidence in the company’s growth prospects. Notably, the number of shareholders surged from 16,146 in Dec 2022 to 48,704 by Sep 2025, reflecting increasing investor engagement. However, the decline in FII participation from 7.67% in Dec 2022 to 3.90% in Mar 2025 may indicate concerns regarding the company’s profitability and market positioning. This shift in institutional interest necessitates a strategic focus on enhancing operational efficiencies to bolster investor confidence and attract renewed foreign investment. Overall, the diverse shareholder base underscores a favorable sentiment, yet the drop in institutional investment could pose challenges for future capital-raising efforts.
Outlook, Risks, and Final Insight
The outlook for Satin Creditcare appears cautiously optimistic, with significant growth potential in the microfinance sector. The company’s revenue growth trajectory and strategic initiatives position it well to capitalize on the increasing demand for financial services among underserved populations. However, risks include rising borrowing costs, as indicated by the high debt-to-equity ratio, and the volatility in profit margins, which could impact financial stability. Additionally, the decline in institutional investment may hinder access to capital for future expansion. To navigate these challenges, Satin must prioritize operational efficiencies and improve profitability metrics. In a scenario where interest rates stabilize and operational efficiencies are enhanced, Satin could leverage its growth potential effectively. Conversely, if financial pressures escalate without strategic intervention, the company may face significant headwinds. Thus, stakeholders should closely monitor operational performance and market dynamics to gauge the company’s trajectory moving forward.
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 | 3,191 Cr. | 187 | 199/119 | 158 | 0.00 % | 5.80 % | 8.19 % | 10.0 | |
| Satin Creditcare Network Ltd | 1,670 Cr. | 151 | 176/131 | 12.4 | 237 | 0.00 % | 11.9 % | 7.53 % | 10.0 |
| CreditAccess Grameen Ltd | 20,826 Cr. | 1,301 | 1,490/750 | 156 | 448 | 0.00 % | 9.55 % | 7.86 % | 10.0 |
| Industry Average | 8,562.33 Cr | 546.33 | 84.20 | 281.00 | 0.00% | 9.08% | 7.86% | 10.00 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 360 | 416 | 429 | 462 | 538 | 596 | 642 | 633 | 657 | 684 | 621 | 709 | 788 |
| Interest | 145 | 155 | 158 | 185 | 217 | 247 | 252 | 251 | 266 | 268 | 264 | 297 | 344 |
| Expenses | 138 | 178 | 132 | 156 | 173 | 192 | 217 | 237 | 323 | 398 | 333 | 352 | 373 |
| Financing Profit | 77 | 83 | 139 | 121 | 148 | 156 | 173 | 145 | 68 | 19 | 24 | 60 | 71 |
| Financing Margin % | 21% | 20% | 32% | 26% | 28% | 26% | 27% | 23% | 10% | 3% | 4% | 8% | 9% |
| Other Income | 1 | 0 | 0 | 1 | 1 | 1 | 5 | 2 | 1 | 4 | 1 | 5 | 5 |
| Depreciation | 4 | 4 | 8 | 4 | 6 | 6 | 6 | 6 | 7 | 7 | 8 | 6 | 7 |
| Profit before tax | 75 | 79 | 132 | 118 | 143 | 151 | 171 | 141 | 62 | 15 | 18 | 58 | 69 |
| Tax % | 23% | 26% | 25% | 25% | 25% | 25% | 25% | 25% | 27% | 5% | -20% | 22% | 23% |
| Net Profit | 57 | 59 | 99 | 88 | 107 | 113 | 128 | 105 | 45 | 14 | 22 | 45 | 53 |
| EPS in Rs | 7.23 | 7.05 | 11.85 | 9.93 | 10.72 | 10.24 | 11.61 | 9.53 | 4.05 | 1.29 | 1.98 | 4.08 | 4.81 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: December 29, 2025, 6:04 am
Below is a detailed analysis of the quarterly data for Satin Creditcare Network Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Interest, as of Sep 2025, the value is 344.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 297.00 Cr. (Jun 2025) to 344.00 Cr., marking an increase of 47.00 Cr..
- For Expenses, as of Sep 2025, the value is 373.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 352.00 Cr. (Jun 2025) to 373.00 Cr., marking an increase of 21.00 Cr..
- For Other Income, as of Sep 2025, the value is 5.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 5.00 Cr..
- For Depreciation, as of Sep 2025, the value is 7.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 6.00 Cr. (Jun 2025) to 7.00 Cr., marking an increase of 1.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 69.00 Cr.. The value appears strong and on an upward trend. It has increased from 58.00 Cr. (Jun 2025) to 69.00 Cr., marking an increase of 11.00 Cr..
- For Tax %, as of Sep 2025, the value is 23.00%. The value appears to be increasing, which may not be favorable. It has increased from 22.00% (Jun 2025) to 23.00%, marking an increase of 1.00%.
- For Net Profit, as of Sep 2025, the value is 53.00 Cr.. The value appears strong and on an upward trend. It has increased from 45.00 Cr. (Jun 2025) to 53.00 Cr., marking an increase of 8.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 4.81. The value appears strong and on an upward trend. It has increased from 4.08 (Jun 2025) to 4.81, marking an increase of 0.73.
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 | 0.13 | 23.73 | 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: 12.4 (Industry average Stock P/E: 84.2)
- 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 16 January 2026) is ₹180.57 which is 19.58% higher the current market price of ₹151.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹1,670 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 1,670 Cr..
What is the current Stock Price of Satin Creditcare Network Ltd as on 16 January 2026?
The current stock price of Satin Creditcare Network Ltd as on 16 January 2026 is ₹151.
What is the High / Low of Satin Creditcare Network Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Satin Creditcare Network Ltd stocks is ₹176/131.
What is the Stock P/E of Satin Creditcare Network Ltd?
The Stock P/E of Satin Creditcare Network Ltd is 12.4.
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.