Satin Creditcare
SATIN NSE
Satin Creditcare
Financial ServicesNSE: SATIN BSE: 539404 Finance
Key Fundamentals
MicrocapMicrofinanceFinancial ServicesMarket Cap
₹2,397 Cr
Volatility
Moderate
P/E Ratio
5.84
EBITDA
₹1,774 Cr
Return on Equity
11.59%
Debt to Equity
3.66
Book Value
₹259.24
EPS
₹41.04
52W High
₹274.14
52W Low
₹135.81
Tapetide Score
Data-driven rating, 0–100. How it works →
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: -5.53%
Growth Rate
Revenue Growth
22.58% lower than
3Y
Net Income Growth
78.51% lower than
3Y
Cash Flow Change
-72.85% lower than
3Y
ROE
58.33% higher than
3Y
ROCE
10.3% higher than
3Y
EBITDA Margin (Avg.)
10.32% higher than
3Y
Quarterly Results
| 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 in Rs | 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
| 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 | 6 | 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 in Rs | 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
| 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
| 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 |
| CFO/OP | -196 | -230 | 70 | -19 | -146 | 56 | -144 | -136 | -37 | -54 |
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
60 extracted metrics + investor summaries across FY11–FY27.
Documents
1
Board Meeting Outcome for Board Meeting Outcome For Audited Financial Results (Standalone & Consolidated) For Quarter And Year Ended March 31, 2026
10h - Board approved audited FY26 standalone and consolidated results; standalone net profit rose to ₹30,208 lakh. 10h - Board approved audited FY26 standalone and consolidated results; standalone net profit rose to ₹30,208 lakh.
2
Announcement under Regulation 30 (LODR)-Press Release / Media Release
9h - SCNL reported Q4 FY26 consolidated PAT of ₹162 crore, up 640% YoY; FY26 PAT ₹332 crore. 9h - SCNL reported Q4 FY26 consolidated PAT of ₹162 crore, up 640% YoY; FY26 PAT ₹332 crore.
3
Announcement under Regulation 30 (LODR)-Investor Presentation
9h - Announcement under Regulation 30 of SEBI (LODR) Regulations, 2015 - Investor Presentation 9h - Announcement under Regulation 30 of SEBI (LODR) Regulations, 2015 - Investor Presentation
4
Announcement under Regulation 30 (LODR)-Press Release / Media Release
7 May - SCNL raised INR 200 crore Tier II capital for seven years to fund growth in lending segments. 7 May - SCNL raised INR 200 crore Tier II capital for seven years to fund growth in lending segments.
5
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
6 May - Satin Creditcare schedules Q4 and 12M FY26 earnings call on May 12, 2026 at 10:30 AM IST. 6 May - Satin Creditcare schedules Q4 and 12M FY26 earnings call on May 12, 2026 at 10:30 AM IST.
Frequently Asked Questions about Satin Creditcare
What does Satin Creditcare Network Ltd do?
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 corresponden...
Where is Satin Creditcare Network Ltd (SATIN) listed?
Satin Creditcare Network Ltd trades as SATIN on the NSE and under code 539404 on the BSE.
Which sector does Satin Creditcare Network Ltd belong to?
Satin Creditcare Network Ltd is classified under the Financial Services sector, in the Finance industry.
What is the market capitalisation of Satin Creditcare Network Ltd?
Satin Creditcare Network Ltd has a market capitalisation of ₹2,397 Cr, which places it in the Small Cap band.
What is the PE ratio of Satin Creditcare Network Ltd?
Satin Creditcare Network Ltd trades at a PE ratio of 5.84, on earnings per share of ₹41.04, against a book value of ₹259.24 per share.
What is the 52-week high and low of Satin Creditcare Network Ltd?
Over the last 52 weeks Satin Creditcare Network Ltd has traded between ₹135.81 and ₹274.14.
What is the Return on Equity (ROE) of Satin Creditcare Network Ltd?
Satin Creditcare Network Ltd reported a return on equity of 11.59%. Its debt-to-equity ratio is 3.66.
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.[1]
Website satincreditcare.com
CEO Dr. Harvinder Pal Singh
Employees 15,189
Listed 2015-08-26
Face Value ₹ 10
Issued Size 11,04,70,965
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