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Last Updated: April 2, 2026, 3:37 am
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 539404 | NSE: SATIN

Satin Creditcare Network Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹122.62Overvalued by 16.01%vs CMP ₹146.00

P/E (8.4) × ROE (7.5%) × BV (₹237.00) × DY (2.00%)

₹228.95Undervalued by 56.82%vs CMP ₹146.00
MoS: +36.2% (Strong)Confidence: 54/100 (Moderate)Models: 6 Under, 1 Fair, 1 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹177.1624%Under (+21.3%)
Graham NumberEarnings₹304.4317%Under (+108.5%)
Earnings PowerEarnings₹148.6012%Fair (+1.8%)
DCFCash Flow₹425.3212%Under (+191.3%)
Net Asset ValueAssets₹236.658%Under (+62.1%)
EV/EBITDAEnterprise₹19.5010%Over (-86.6%)
Earnings YieldEarnings₹173.808%Under (+19%)
ROCE CapitalReturns₹330.7210%Under (+126.5%)
Consensus (8 models)₹228.95100%Undervalued
Key Drivers: EPS CAGR 44.5% lifts DCF — verify sustainability. | Wide model spread (₹20–₹425) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 44.5%

*Investments are subject to market risks

Investment Snapshot

53
Satin Creditcare Network Ltd scores 53/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health54/100 · Moderate
ROCE 11.9% AverageROE 7.5% AverageD/E 4.16 High debtInterest Coverage 0.0x RiskyProfitable 4/5 years Consistent
Smart Money40/100 · Moderate
FII holding stable No changeDII holding down 1.17% MF sellingPromoter holding at 36.2% Stable
Earnings Quality50/100 · Moderate
Quarterly Momentum40/100 · Moderate
Profit (4Q): -34% YoY Declining
Industry Rank80/100 · Strong
P/E 8.4 vs industry 23.9 Cheaper than peersROCE 11.9% vs industry 9.1% Above peers

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

Share Price and Basic Stock Data

Last Updated: April 2, 2026, 3:37 am

Market Cap 1,617 Cr.
Current Price 146
Intrinsic Value₹228.95
High / Low 176/131
Stock P/E8.42
Book Value 237
Dividend Yield0.00 %
ROCE11.9 %
ROE7.53 %
Face Value 10.0
PEG Ratio0.19

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

View Share Price Target for Satin Creditcare Network Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
Satin Creditcare Network Ltd 1,617 Cr. 146 176/1318.42 2370.00 %11.9 %7.53 % 10.0
Muthoot Microfin Ltd 2,565 Cr. 150 210/119 1580.00 %5.80 %8.19 % 10.0
CreditAccess Grameen Ltd 19,095 Cr. 1,192 1,497/86039.4 4480.00 %9.55 %7.86 % 10.0
Industry Average7,759.00 Cr496.0023.91281.000.00%9.08%7.86%10.00

All Competitor Stocks of Satin Creditcare Network Ltd

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue416429462538596642633657684621709788747
Interest 155158185217247252251266268264297344289
Expenses 178132156173192217237323398333352373362
Financing Profit83139121148156173145681924607196
Financing Margin %20%32%26%28%26%27%23%10%3%4%8%9%13%
Other Income 0011152141555
Depreciation 4846666778678
Profit before tax 79132118143151171141621518586993
Tax % 26%25%25%25%25%25%25%27%5%-20%22%23%23%
Net Profit 599988107113128105451422455372
EPS in Rs 7.0511.859.9310.7210.2411.619.534.051.291.984.084.816.51
Gross NPA %
Net NPA %

Last Updated: February 4, 2026, 7:16 am

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 25, 2026, 5:46 pm

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue8011,0311,4431,5001,3771,3781,5492,2342,5952,865
Interest 4365366465896386316179011,0491,194
Expenses 3223654716857377009117331,2901,420
Financing Profit4413032622524722600256251
Financing Margin %5%13%23%15%0%3%1%27%10%9%
Other Income 00343326716
Depreciation 6151318151618232729
Profit before tax 38116316212-10345583236238
Tax % 34%35%36%27%43%39%8%25%21%
Net Profit 2575201155-14215436186192
EPS in Rs 4.7811.4329.7221.52-1.942.760.5839.4616.8517.38
Dividend Payout % 0%0%0%0%0%0%0%0%0%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
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

MonthMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 37474952667585110110110
Reserves 6008381,1011,3971,4201,5071,5432,2912,4332,511
Borrowing3,8895,1615,2715,5426,1815,7445,9117,9108,7919,640
Other Liabilities 251253321309377330310174253589
Total Liabilities 4,7786,2996,7417,3008,0457,6557,85010,48511,58712,851
Fixed Assets 73758194131126129133137138
CWIP 12161634400000
Investments 2172264246149625155317
Other Assets 4,6726,1366,3806,9267,9097,4817,65910,30111,39512,395
Total Assets 4,7786,2996,7417,3008,0457,6557,85010,48511,58712,851

Reserves and Borrowings Chart

Cash Flow

MonthMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity + -966-1,541611-225-945336-956-2,069-563
Cash from Investing Activity + -36-55-18756226-51-73-24-45
Cash from Financing Activity + 1,3981,39488243734-4423902,259914
Net Cash Flow 395-2035127315-157-639166305
Free Cash Flow -1,003-1,562592-204-965331-966-2,081-582
CFO/OP -196%-230%70%-19%-146%56%-144%-136%-37%

Free Cash Flow

MonthMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow319.00360.00466.00680.00731.00695.00906.00726.00-7.00

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

MonthMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
ROE % 10%20%12%-1%1%0%22%8%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters 39.45%41.70%39.98%36.06%36.17%36.17%36.17%36.17%36.17%36.17%36.17%36.17%
FIIs 7.48%6.72%6.93%9.58%6.67%7.14%6.09%4.83%4.52%4.32%3.90%3.55%
DIIs 6.36%5.19%3.95%8.27%6.92%7.04%6.59%6.11%6.35%7.15%5.18%5.18%
Public 46.14%45.83%48.65%45.66%49.81%49.21%50.70%52.45%52.53%51.92%54.30%54.67%
Others 0.57%0.55%0.48%0.44%0.44%0.44%0.44%0.44%0.44%0.44%0.44%0.44%
No. of Shareholders 16,24420,16623,52728,79544,33341,95150,61052,49050,12949,90448,70446,944

Shareholding Pattern Chart

No. of Shareholders

Satin Creditcare Network Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
Bandhan Small Cap Fund 1,543,801 0.13 24.451,041,8892025-12-08 05:12:2448.17%

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
FaceValue 10.0010.0010.0010.0010.00
Basic EPS (Rs.) 16.9244.340.622.96-2.26
Diluted EPS (Rs.) 16.9243.270.592.72-2.26
Cash EPS (Rs.) 19.3941.672.744.880.16
Book Value[Excl.RevalReserv]/Share (Rs.) 231.08218.17192.00212.07223.58
Book Value[Incl.RevalReserv]/Share (Rs.) 231.08218.17192.00212.07223.58
Revenue From Operations / Share (Rs.) 235.79202.90183.65184.58206.96
PBDIT / Share (Rs.) 119.19136.9175.5290.6096.76
PBIT / Share (Rs.) 116.72134.8573.3588.4994.49
PBT / Share (Rs.) 21.4352.970.614.58-1.47
Net Profit / Share (Rs.) 16.9139.620.562.77-2.10
NP After MI And SOA / Share (Rs.) 16.9139.620.562.77-2.10
PBDIT Margin (%) 50.5567.4741.1249.0846.75
PBIT Margin (%) 49.5066.4539.9347.9445.65
PBT Margin (%) 9.0826.100.332.48-0.70
Net Profit Margin (%) 7.1719.520.301.50-1.01
NP After MI And SOA Margin (%) 7.1719.520.301.50-1.01
Return on Networth / Equity (%) 7.3118.150.291.30-0.94
Return on Capital Employeed (%) 49.8161.1037.7620.2116.77
Return On Assets (%) 1.604.150.060.27-0.17
Long Term Debt / Equity (X) 0.000.000.001.051.50
Total Debt / Equity (X) 3.463.303.633.634.16
Asset Turnover Ratio (%) 0.230.240.230.160.16
Current Ratio (X) 1.261.281.221.691.82
Quick Ratio (X) 1.261.281.221.691.82
Interest Coverage Ratio (X) 1.251.671.041.081.01
Interest Coverage Ratio (Post Tax) (X) 1.181.481.011.030.97
Enterprise Value (Cr.) 8994.688954.175879.744503.154792.46
EV / Net Operating Revenue (X) 3.474.013.783.273.48
EV / EBITDA (X) 6.865.949.186.667.45
MarketCap / Net Operating Revenue (X) 0.601.030.690.550.41
Price / BV (X) 0.620.960.660.480.38
Price / Net Operating Revenue (X) 0.601.030.690.550.41
EarningsYield 0.110.180.000.02-0.02

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

Satin Creditcare Network Ltd. is a Public Limited Listed company incorporated on 16/10/1990 and has its registered office in the State of Delhi, India. Company's Corporate Identification Number(CIN) is L65991DL1990PLC041796 and registration number is 041796. Currently Company is involved in the business activities of Other financial service activities, except insurance and pension funding activities. Company's Total Operating Revenue is Rs. 2373.48 Cr. and Equity Capital is Rs. 110.04 Cr. for the Year ended 31/03/2025.
INDUSTRYADDRESSCONTACT
Microfinance Institutions5th Floor, Kundan Bhawan, Azadpur Commercial Complex, New Delhi Delhi 110033Contact not found
Management
NamePosition Held
Dr. H P SinghChairman & Managing Director
Mr. Satvinder SinghNon Exe.Non Ind.Director
Mr. Anil Kumar KalraInd. Non-Executive Director
Ms. Jyoti Davar VijInd. Non-Executive Director
Mr. Joydeep Datta GuptaInd. Non-Executive Director
Mr. Ashok Kumar SharmaAddnl.Non Exe.Independent Director
Mr. Anupam Kunal GangaherAddnl.Non Exe.Independent Director

FAQ

What is the intrinsic value of Satin Creditcare Network Ltd and is it undervalued?

As of 14 April 2026, Satin Creditcare Network Ltd's intrinsic value is ₹228.95, which is 56.82% higher than the current market price of ₹146.00, suggesting the stock is undervalued. This is calculated using the PE ratio method factoring in ROE (7.53 %), book value (₹237), dividend yield (0.00 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Satin Creditcare Network Ltd?

Satin Creditcare Network Ltd is trading at ₹146.00 as of 14 April 2026, with a FY2026-2027 high of ₹176 and low of ₹131. The stock is currently in the middle of its 52-week range. Market cap stands at ₹1,617 Cr..

How does Satin Creditcare Network Ltd's P/E ratio compare to its industry?

Satin Creditcare Network Ltd has a P/E ratio of 8.42, which is below the industry average of 23.91. Trading at a steep discount to peers could signal a value opportunity or reflect concerns about the company's fundamentals.

Is Satin Creditcare Network Ltd financially healthy?

Key indicators for Satin Creditcare Network Ltd: ROCE of 11.9 % is moderate; ROE of 7.53 % is below ideal levels (industry average: 7.86%). Dividend yield is 0.00 %.

Is Satin Creditcare Network Ltd profitable and how is the profit trend?

Satin Creditcare Network Ltd reported a net profit of ₹186 Cr in Mar 2025 on revenue of ₹2,595 Cr. Compared to ₹21 Cr in Mar 2022, the net profit shows an improving trend.

Does Satin Creditcare Network Ltd pay dividends?

Satin Creditcare Network Ltd has a dividend yield of 0.00 % at the current price of ₹146.00. The company is currently not paying meaningful dividends.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Satin Creditcare Network Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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