Satin Creditcare Network
- P/E
- 6.92
Key Fundamentals
MicrocapFinanceFinancial ServicesPrice-based figures as of · EPS basis: Consolidated · TTM
- Debt to Equity
- 3.84
- EPS (TTM)
- ₹37.09
- Book Value
- ₹287.24
- Market Cap
- —
- P/E (TTM)
- 6.92
- P/B
- 0.89
- ROE
- 12.30%
- Dividend Yield
- 0.00%
- 52W High
- ₹274.14
- 52W Low
- ₹135.81
- Day Range
- ₹239.32 – ₹260.00
- Volume
- 9,45,756
- ROCE
- Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
- EBITDA
- Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
Peer Comparison
Financial Services › Microfinance › Microfinance Institutions
| ₹1,073.00 | 10.84 | ₹17,011 Cr | 1.93 | 0.94% | 10.50% | — | ₹6,775 Cr | ₹1,587 Cr | |
| Satin Creditcare (this company) | ₹256.69 | 6.92 | ₹2,743 Cr | 0.89 | 0.00% | 12.30% | — | ₹3,209 Cr | ₹410 Cr |
| ₹153.07 | 10.64 | ₹2,583 Cr | 0.91 | 0.00% | 6.22% | — | ₹2,480 Cr | ₹245 Cr | |
| ₹153.54 | 14.71 | ₹2,454 Cr | 1.01 | 0.00% | 0.68% | — | ₹1,699 Cr | ₹168 Cr | |
| ₹182.49 | — | ₹1,659 Cr | 0.81 | 0.00% | −29.40% | — | ₹1,007 Cr | −₹327 Cr | |
| Median 5 companies | ₹182.49 | 10.74 | ₹2,583 Cr | 0.91 | 0.00% | 6.22% | — | ₹2,480 Cr | ₹245 Cr |
Comparable companies in the same industry. Market cap, P/E and P/B use the latest price; other metrics are as reported in filings. A dash means the figure is not published for that company.
Tapetide Score
Data-driven rating, 0–100, as of . How it works →
Overall score
Data confidence 94/100
Category scores
- Quality
- 44
- Weak
- Returns, margins, earnings quality 22% weight
- Valuation
- 51
- Average
- Cheap vs sector & own history 24% weight
- Growth
- 71
- Strong
- Sales & profit trajectory 9% weight
- Financial Health
- 37
- Poor
- Solvency, leverage, coverage 9% weight
- Momentum
- 89
- Strong
- Trend strength, vol-adjusted 12% weight
- Ownership
- 39
- Weak
- FII/DII/promoter flows 24% weight
The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.
Key Insights
Strengths
2- Stock is trading at 0.84 times its book value
- Company has delivered good profit growth of 91.3% CAGR over last 5 years
Weaknesses
4- Though the company is reporting repeated profits, it is not paying out dividend
- Company has low interest coverage ratio.
- Company has a low return on equity of 13.3% over last 3 years.
- Promoter holding has decreased over last 3 years: -3.81%
Technical Indicators
| Group | Signal | Bearish | Neutral | Bullish |
|---|---|---|---|---|
| Overall | Strong Bullish | 2 | 5 | 12 |
| Oscillators | Neutral | 2 | 5 | 2 |
| Moving Averages | Strong Bullish | 0 | 0 | 10 |
Oscillators
Neutral
Overall
Strong Bullish
Moving Averages
Strong Bullish
Key readings
- RSI (14)
- 66.13
- Neutral
- MACD (12,26,9)
- 5.04
- Bullish
- SMA (50)
- 225.86
- Bullish
- SMA (200)
- 203.87
- Bullish
As of
Analyst Rating
1 of 1 analyst rates Buy, 0 Hold, 0 Sell.
As of
Growth Rate
From the financial statements below. 5Y, 3Y: compound annual growth to Mar 2026; 1Y: fiscal year to Mar 2026 against Mar 2025; TTM: four quarters to Jun 2026 against Jun 2025.
Revenue
| 5Y | +17.95% |
|---|---|
| 3Y | +26.60% |
| 1Y | +22.20% |
| TTM | +20.72% |
Net profit
| 5Y | Turned to profit |
|---|---|
| 3Y | +304.94% |
| 1Y | +78.49% |
| TTM | +225.40% |
Operating cash flow
Not meaningful
A bank's or NBFC's operating cash flow moves with deposits and loans, so its growth says little about the business.
Revenue by year
| Mar 2017 | ₹801 Cr |
|---|---|
| Mar 2018 | ₹1,031 Cr |
| Mar 2019 | ₹1,443 Cr |
| Mar 2020 | ₹1,500 Cr |
| Mar 2021 | ₹1,377 Cr |
| Mar 2022 | ₹1,378 Cr |
| Mar 2023 | ₹1,549 Cr |
| Mar 2024 | ₹2,234 Cr |
| Mar 2025 | ₹2,572 Cr |
| Mar 2026 | ₹3,143 Cr |
Net profit by year
| Mar 2017 | ₹25.00 Cr |
|---|---|
| Mar 2018 | ₹75.00 Cr |
| Mar 2019 | ₹201 Cr |
| Mar 2020 | ₹155 Cr |
| Mar 2021 | −₹14.00 Cr |
| Mar 2022 | ₹21.00 Cr |
| Mar 2023 | ₹5.00 Cr |
| Mar 2024 | ₹436 Cr |
| Mar 2025 | ₹186 Cr |
| Mar 2026 | ₹332 Cr |
Analyst Forecasts
Quarterly Results
₹ Cr| Particulars | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 462 | 538 | 596 | 642 | 633 | 657 | 684 | 615 | 703 | 788 | 740 | 920 | 762 |
| Expenses | 156 | 173 | 192 | 217 | 237 | 323 | 398 | 327 | 346 | 373 | 355 | 320 | 345 |
| Financing Profit | 121 | 148 | 156 | 173 | 145 | 68 | 19 | 24 | 60 | 71 | 96 | 218 | 167 |
| Fin. Margin % | 26% | 28% | 26% | 27% | 23% | 10% | 3% | 4% | 8% | 9% | 13% | 24% | 22% |
| Other Income | 1 | 1 | 1 | 5 | 2 | 1 | 4 | 1 | 5 | 5 | 5 | 3 | 3 |
| Interest | 185 | 217 | 247 | 252 | 251 | 266 | 268 | 264 | 297 | 344 | 289 | 381 | 251 |
| Depreciation | 4 | 6 | 6 | 6 | 6 | 7 | 7 | 8 | 6 | 7 | 8 | 9 | 8 |
| PBT | 118 | 143 | 151 | 171 | 141 | 62 | 15 | 18 | 58 | 69 | 93 | 212 | 161 |
| Tax % | 25% | 25% | 25% | 25% | 25% | 27% | 5% | −20% | 22% | 23% | 23% | 24% | 24% |
| Net Profit | 88 | 107 | 113 | 128 | 105 | 45 | 14 | 22 | 45 | 53 | 72 | 162 | 123 |
| EPS (₹) | 9.93 | 10.72 | 10.24 | 11.61 | 9.53 | 4.05 | 1.29 | 1.98 | 4.08 | 4.81 | 6.51 | 14.67 | 11.1 |
Profit & Loss
₹ Cr| Particulars | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 801 | 1,031 | 1,443 | 1,500 | 1,377 | 1,378 | 1,549 | 2,234 | 2,572 | 3,143 | 3,209 |
| Expenses | 322 | 365 | 471 | 685 | 737 | 700 | 911 | 733 | 1,267 | 1,387 | 1,393 |
| Financing Profit | 44 | 130 | 326 | 225 | 2 | 47 | 22 | 599 | 257 | 445 | 551 |
| Fin. Margin % | 5% | 13% | 23% | 15% | 0% | 3% | 1% | 27% | 10% | 14% | 17% |
| Other Income | 0 | 0 | 3 | 4 | 3 | 3 | 2 | 6 | 7.22 | 18 | 16 |
| Interest | 436 | 536 | 646 | 589 | 638 | 631 | 617 | 901 | 1,049 | 1,311 | 1,265 |
| Depreciation | 6 | 15 | 13 | 18 | 15 | 16 | 18 | 23 | 27 | 30 | 32 |
| PBT | 38 | 116 | 316 | 212 | −10 | 34 | 5 | 583 | 236 | 432 | 535 |
| Tax % | 34% | 35% | 36% | 27% | 43% | 39% | 8% | 25% | 21% | 23% | — |
| Net Profit | 25 | 75 | 201 | 155 | −14 | 21 | 5 | 436 | 186 | 332 | 410 |
| EPS (₹) | 4.78 | 11.43 | 29.72 | 21.52 | −1.94 | 2.76 | 0.56 | 39.46 | 16.85 | 30.07 | 37.09 |
| Div. Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | — |
Balance Sheet
₹ Cr| Particulars | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 | 2,753 |
| Borrowing | 3,889 | 5,161 | 5,271 | 5,542 | 6,181 | 5,744 | 5,911 | 7,915 | 8,791 | 10,991 |
| Other Liabilities | 251 | 253 | 321 | 309 | 377 | 330 | 310 | 174 | 253 | 523 |
| Total Liabilities | 4,778 | 6,299 | 6,741 | 7,300 | 8,045 | 7,655 | 7,850 | 10,490 | 11,587 | 14,378 |
| Fixed Assets | 73 | 75 | 81 | 94 | 131 | 126 | 129 | 133 | 137 | 154 |
| CWIP | 12 | 16 | 16 | 34 | 4 | 0 | 0 | 0 | 0 | 12 |
| Investments | 21 | 72 | 264 | 246 | 1 | 49 | 62 | 56 | 55 | 151 |
| Other Assets | 4,672 | 6,136 | 6,380 | 6,926 | 7,909 | 7,481 | 7,659 | 10,301 | 11,395 | 14,060 |
| Total Assets | 4,778 | 6,299 | 6,741 | 7,300 | 8,045 | 7,655 | 7,850 | 10,490 | 11,587 | 14,378 |
Cash Flow
₹ Cr| Particulars | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating | −966 | −1,541 | 611 | −225 | −945 | 336 | −956 | −2,069 | −563 | −974 |
| Investing | −36 | −55 | −187 | 56 | 226 | −51 | −73 | −28 | −45 | −123 |
| Financing | 1,398 | 1,394 | 88 | 243 | 734 | −442 | 390 | 2,263 | 914 | 1,873 |
| Net Cash Flow | 395 | −203 | 512 | 73 | 15 | −157 | −639 | 166 | 305 | 777 |
| Free Cash Flow | −1,003 | −1,562 | 592 | −204 | −965 | 331 | −966 | −2,081 | −582 | −1,002 |
Ratios
| Particulars | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 4% | 10% | 20% | 12% | −1% | 1% | 0% | 22% | 8% | 12% |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view Satin Creditcare insights
58 extracted metrics across FY11–FY27.
Documents
- Q1 FY27 concall · Aug 2026Transcript PPT Recording
- Q4 FY26 concall · May 2026Transcript PPT
- Q3 FY26 concall · Feb 2026Transcript PPT
- Q2 FY26 concall · Oct 2025PPT
- 19 Oct 2026
- 18 Aug 2026
- 18 Aug 2026
- 10 Jul 2026
- 30 Jun 2026
- General announcements 28 Oct 2026
Frequently Asked Questions about Satin Creditcare Network
What does Satin Creditcare Network Ltd do?
Where is Satin Creditcare Network Ltd (SATIN) listed?
Which sector does Satin Creditcare Network Ltd belong to?
What is the PE ratio of Satin Creditcare Network Ltd?
What is the 52-week high and low of Satin Creditcare Network Ltd?
What is the Return on Equity (ROE) of Satin Creditcare Network Ltd?
Company Information
Satin Network Limited (SCNL) is a leading microfinance institution (MFI) with presence in 23 states & union territory and 95,000 villages. The company offers a bouquet of financial products in the Non‐MFI segment (comprising loans to MSMEs), a housing finance subsidiary, and business correspondent services and similar services to other financial Institutions through Taraashna Financial Services Limited (TFSL), a business correspondent company and a 100% subsidiary of SCNL.
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