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Last Updated on: 22 February, 2024|Author: Getaka | Social: X Twitter Profile

Fundamental Analysis of Satin Creditcare Network Ltd

About the Company - Satin Creditcare Network Ltd

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. 1261.70 Cr. and Equity Capital is Rs. 74.59 Cr. for the Year ended 31/03/2022.
INDUSTRYADDRESSCONTACT
Finance & Investments5th Floor, Kundan Bhawan, Azadpur Commercial Complex, New Delhi Delhi 110033communications@satincreditcare.com
http://www.satincreditcare.com
Management
NamePosition Held
Mr. H P SinghChairman & Managing Director
Mr. Satvinder SinghNon Exe.Non Ind.Director
Mr. Anil Kumar KalraIndependent Director
Mr. Sundeep Kumar MehtaIndependent Director
Mrs. Sangeeta KhoranaIndependent Director
Mr. Goh ColinIndependent Director
Mr. Sanjay Kumar BhatiaIndependent Director

Satin Creditcare Network Ltd. Share Price Update

Share PriceValue
Today₹249.30
Previous Day₹250.80

Basic Stock Data of Satin Creditcare Network Ltd

Market Cap 2,789 Cr.
Current Price 252
High / Low284/114
Stock P/E6.82
Book Value 172
Dividend Yield0.00 %
ROCE8.41 %
ROE0.30 %
Face Value 10.0

Data Source: screener.in

Competitors of Satin Creditcare Network Ltd

Stock NameMarket CapCurrent PriceHigh / LowStock P/EBook ValueDividend YieldROCEROEFace Value
Wealth First Portfolio Managers Ltd 517 Cr. 485548/26217.3 87.00.62 %25.5 %19.1 % 10.0
NBI Industrial Finance Company Ltd 455 Cr. 1,8532,030/1,40065.1 9,5070.02 %0.35 %0.23 % 5.00
STEL Holdings Ltd 570 Cr. 309355/13044.0 6160.00 %2.11 %1.58 % 10.0
Motor & General Finance Ltd 154 Cr. 39.851.8/26.0 19.00.00 %3.07 %3.76 % 5.00
Max Financial Services Ltd 33,162 Cr. 9611,069/59977.1 1090.00 %11.9 %10.2 % 2.00
Industry Average345.8 Cr359.1640.71680.13%8.59%6.97%6.4

Satin Creditcare Network Ltd Quarterly Results

MonthSep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023
Revenue341320404346325346363345360416437462538
Interest156159163165154155157159145155158185217
Expenses156265186285154144122463138178140156173
Financing Profit29-10455-104174785-2777783139121148
Financing Margin %9%-32%14%-30%5%14%23%-80%21%20%32%26%28%
Other Income1121021110011
Depreciation4344444344846
Profit before tax26-10653-107144682-2807579132118143
Tax %41%25%29%24%20%26%30%25%23%26%25%25%25%
Net Profit16-8038-81113457-21057599988107
EPS in Rs2.16-11.125.25-11.201.524.667.58-27.957.237.0511.859.9310.72
Gross NPA %
Net NPA %

Satin Creditcare Network Ltd Quarterly Chart

Satin Creditcare Network Ltd Profit & Loss

MonthMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023TTM
Revenue8011,0311,4431,5001,3771,3781,5571,853
Interest436536646589638631617715
Expenses322365471685737700919647
Financing Profit4413032622524722491
Financing Margin %5%13%23%15%0%3%1%26%
Other Income00343322
Depreciation615131815161822
Profit before tax38116316212-10345471
Tax %34%35%36%27%-43%39%8%
Net Profit2575201155-14215352
EPS in Rs4.7811.4329.7221.52-1.942.760.5839.55
Dividend Payout %0%0%0%0%0%0%0%

Satin Creditcare Network Ltd Profit & Loss Yearly Chart

Satin Creditcare Network Ltd Growth

Compounded Sales Growth
10 Years:%
5 Years:9%
3 Years:1%
TTM:37%
Compounded Profit Growth
10 Years:%
5 Years:-42%
3 Years:-69%
TTM:1201%
Stock Price CAGR
10 Years:%
5 Years:4%
3 Years:50%
1 Year:81%
Return on Equity
10 Years:%
5 Years:5%
3 Years:0%
Last Year:0%

Satin Creditcare Network Ltd Balance Sheet

MonthMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Sep 2023
Equity Capital3747495266758599
Reserves6008221,0861,3971,4201,4571,5141,801
Preference Capital25000000
Borrowings3,8645,1615,2715,5426,1815,7445,9117,283
Other Liabilities276268336309377380339167
Total Liabilities4,7786,2996,7417,3008,0457,6557,8509,350
Fixed Assets73758194131126129131
CWIP121616344000
Investments217226424614962104
Other Assets4,6726,1366,3806,9267,9097,4817,6599,116
Total Assets4,7786,2996,7417,3008,0457,6557,8509,350

Satin Creditcare Network Ltd Reserves and Borrowings Chart

Satin Creditcare Network Ltd Cash Flow

MonthMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023
Cash from Operating Activity -966-1,541611-225-945336-956
Cash from Investing Activity -36-55-18756226-51-73
Cash from Financing Activity 1,3981,39488243734-442390
Net Cash Flow395-2035127315-157-639

Satin Creditcare Network Ltd Financial Efficiency Indicators

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

Satin Creditcare Network Ltd Financial Efficiency Indicators Chart

Satin Creditcare Network Ltd Share Holding Pattern

MonthMar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023
Promoters38.21%38.24%38.24%38.26%36.69%36.69%39.97%38.00%39.45%41.70%39.98%36.06%
FIIs7.29%9.38%9.32%8.81%10.53%9.55%8.66%7.67%7.48%6.72%6.93%9.58%
DIIs10.43%8.23%8.24%8.24%7.76%7.59%7.11%6.65%6.36%5.19%3.95%8.27%
Public43.40%43.47%43.53%44.03%44.38%45.54%43.63%47.10%46.14%45.83%48.65%45.66%
Others0.67%0.67%0.67%0.67%0.64%0.64%0.61%0.58%0.57%0.55%0.48%0.44%
No. of Shareholders19,80822,64322,60119,60817,61816,27215,54616,14616,24420,16623,52728,795

Satin Creditcare Network Ltd Shareholding Pattern Chart

No. of Satin Creditcare Network Ltd Shareholders

Satin Creditcare Network Ltd Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)
Bandhan Small Cap Fund10836570.6726.03
Bandhan Multi Cap Fund3250980.437.81

Satin Creditcare Network Ltd ROCE Trend

Satin Creditcare Network Ltd EPS Trend

Satin Creditcare Network Ltd Key Financial Ratios

MonthMar 23Mar 22Mar 21Mar 20Mar 19
FaceValue10.0010.0010.0010.0010.00
Basic EPS (Rs.)0.622.96-2.2630.4341.67
Diluted EPS (Rs.)0.592.72-2.2630.2741.37
Cash EPS (Rs.)2.744.880.1633.3644.10
Book Value[Excl.RevalReserv]/Share (Rs.)192.00212.07223.58280.14236.78
Book Value[Incl.RevalReserv]/Share (Rs.)192.00212.07223.58280.14236.78
Revenue From Operations / Share (Rs.)183.65184.58206.96289.97297.26
PBDIT / Share (Rs.)75.5290.6096.76157.65200.04
PBIT / Share (Rs.)73.3588.4994.49154.26197.46
PBT / Share (Rs.)0.614.58-1.4740.9265.07
Net Profit / Share (Rs.)0.562.77-2.1029.9741.52
NP After MI And SOA / Share (Rs.)0.562.77-2.1029.9741.46
PBDIT Margin (%)41.1249.0846.7554.3667.29
PBIT Margin (%)39.9347.9445.6553.1966.42
PBT Margin (%)0.332.48-0.7014.1121.89
Net Profit Margin (%)0.301.50-1.0110.3313.96
NP After MI And SOA Margin (%)0.301.50-1.0110.3313.94
Return on Networth / Equity (%)0.291.30-0.9410.6917.50
Return on Capital Employeed (%)37.7620.2116.7727.4635.63
Return On Assets (%)0.060.27-0.172.122.98
Long Term Debt / Equity (X)0.001.051.500.981.32
Total Debt / Equity (X)3.633.634.163.834.59
Asset Turnover Ratio (%)0.230.160.160.200.21
Current Ratio (X)1.221.691.821.621.63
Quick Ratio (X)1.221.691.821.621.63
Interest Coverage Ratio (X)1.041.081.011.391.51
Interest Coverage Ratio (Post Tax) (X)1.011.030.971.261.31
Enterprise Value (Cr.)5879.744503.154792.463990.285283.07
EV / Net Operating Revenue (X)3.783.273.482.663.66
EV / EBITDA (X)9.186.667.454.895.44
MarketCap / Net Operating Revenue (X)0.690.550.410.221.23
Price / BV (X)0.660.480.380.221.54
Price / Net Operating Revenue (X)0.690.550.410.221.23
EarningsYield0.000.02-0.020.460.11

Satin Creditcare Network Ltd Profitability Ratios (%)

Satin Creditcare Network Ltd Liquidity Ratios

Satin Creditcare Network Ltd Liquidity Ratios (%)

Satin Creditcare Network Ltd Interest Coverage Ratios (X)

Satin Creditcare Network Ltd Valuation Ratios

Fair Value / Intrinsic Value of Satin Creditcare Network Ltd

Fair Value: ₹3.59

The stock is overvalued by 98.58% compared to the current price ₹252

*Investments are subject to market risks

Strength and Weakness of Satin Creditcare Network Ltd

Unable to fetch valid data for stock valuation.

Should I Buy Satin Creditcare Network Ltd Share Now?

  • Considering various financial indicators, investors might exercise caution regarding investment in Satin Creditcare Network Ltd:
    1. Net Profit Margin: 0.30%
      • 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: 37.76% (Industry Average ROCE: 4.45%)
      • 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. Interest Coverage Ratio (Post Tax): 1.01
      • 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.
    4. Quick Ratio: 1.22
      • 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.
    5. ✓ Stock P/E: 6.82 (Industry average Stock P/E: 30.2)
      • 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.
    6. ✗ Total Debt / Equity: 3.63
      • 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 suggests exercising caution. It's advisable to conduct further research or consult with financial experts before considering any investment.

About the Author

Author Avatar
Getaka

Getaka, CFA, a financial analyst with 15 years of experience in the industry. Getaka holds an MBA degree and the Chartered Financial Analyst designation, demonstrating his profound understanding of financial analysis and investment management. Throughout his career, he has conducted numerous financial analyses and due diligence processes for companies in the industry, and has a strong track record of identifying key trends and opportunities. He leverages his expertise to deliver a thorough financial analysis of a company, encompassing its financial performance, key ratios, future prospects, and risks. Getaka is committed to providing accurate, reliable, and trustworthy information to help readers make informed decisions about their finances and investments.

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