SATIN

Satin Creditcare Network Ltd.

NSE: SATIN

BSE: 539404

Sector: Financial Services

Industry Group: Finance

Industry: Microfinance Institutions

217.49+1.2 (+0.54%)

8 Sep, 12:00 AM

Overview

Analysis Statements Technicals Forecast Peers Resources News

Stock Scores

Quality Score

46.7 / 100

Value Score

99.3 / 100

Price Momentum Score

80.9 / 100

QVM Score

95.4 / 100

Key Metrics

Market Cap

2477.17

P/E (TTM)

6.05

P/B

0.87

P/S (TTM)

0.78

EV/EBITDA

0.27

CAPE (5Y)

9.84

ROE (TTM)

12.29

ROCE (TTM)

17.63

ROA (TTM)

2.56

Avg 3Y ROE

13.82

Earnings 3Y CAGR

2.94

Sales 3Y CAGR

24.04

Sales 5Y CAGR

17.81

Debt/Equity

3.84

Consensus TP

277.00

Strong Buy %

Promoter Holding

36.17

Pledged %

0.00

Stock Analysis

Fundamental analysis overview of Satin Creditcare Network Ltd. covering key investment insights, growth drivers, risk factors, and potential red flags.

Views

Red Flags

Positive

Stock is cheap and PB is at a discount to industry median

PB of 0.87 indicates that the stock is cheap on a standalone basis. Discount to industry median P/B is decent at -26.27%

What is P/B Ratio?

Median: 1.18

Value 0.87

0.82.9

Strong price momentum

Price Momentum score of 80.9 indicates that the stock has strong price momentum. Research has shown that stocks with higher momentum continue to outperform in the near term

What is Price Momentum score?

80.9 / 100

Analysts have been raising forward EPS estimates

Analyst EPS estimate (consensus) for forward EPS has increased by 4.69% in the last 3 months, indicating earnings momentum

What is Earnings upgrade (3M)?

Moderate ROE but improving trend

The company reported moderate ROE of 12.29% for 12-month ended 30 Jun 2026 but ROE improved by 476 bps from 1 year ago

What is ROE (FY)?

High and improving operating margin

The company reported strong operating margin of 70.65% for 12-month ended 30 Jun 2026 and operating margin improved by 213 bps from 1 year ago

What is Operating profit margin?

Moderate revenue growth and above median growth of industry

The company delivered moderate revenue growth of 19.69% for 12-month ended 30 Jun 2026 and the growth was 14.86 percentage points higher than median growth of industry

What is Sales growth (1Y)?

Median: 4.83

Value 19.69

-48.2219.69

Strong EPS growth and in line with median growth of industry

The company delivered strong EPS growth of 225.33% for 12-month ended 30 Jun 2026 and the growth was 0.0 percentage points lower than median growth of industry

What is EPS growth (1Y)?

Negative

High and increasing Debt to Equity

The company has high Debt to Equity of 3.84 as on 30 Jun 2026 and Debt to Equity increased by 0.38 in the last 1 year

What is Debt to Equity?

Low dividend yield

The company has a low dividend yield of 0.0%

What is Dividend yield?

Neutral

Not enough talking points with neutral stance

Financial Snapshot

See detailed analysis

Multi-year trends for Satin Creditcare Network Ltd. covering revenue, net profit, ROE, and EBITDA for a quick view of financial health over time.

Net Revenue FY

Profit After Tax FY

ROE FY

ROA FY

Satin Creditcare Network Ltd. Shareholding Pattern

Quarterly breakdown of Satin Creditcare Network Ltd. ownership including promoter, FII, DII, mutual fund, and public holdings as disclosed to NSE/BSE.

	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	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	Dec 2025	Mar 2026	Jun 2026
Total Promoter	30.19	30.19	37.89	38.21	38.21	38.24	38.24	38.26	36.69	36.69	39.97	38.00	39.45	41.70	39.98	36.06	36.17	36.17	36.17	36.17	36.17	36.17	36.17	36.17	36.17	36.17
Indian Promoter	30.19	30.19	37.89	38.21	38.21	38.24	38.24	38.26	36.69	36.69	39.97	38.00	39.45	41.70	39.98	36.06	36.17	36.17	36.17	36.17	36.17	36.17	36.17	36.17	36.17	36.17
Foreign Promoter	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Institutions	33.97	28.88	26.44	19.89	17.72	17.61	17.55	17.05	18.29	17.13	13.84	14.32	13.85	11.91	10.89	17.85	13.57	14.17	12.68	10.93	10.85	11.45	9.07	8.70	8.78	11.18
Mutual Funds / UTI	19.04	14.08	13.37	5.96	3.98	3.93	3.93	3.93	3.77	3.77	3.57	3.21	3.10	2.05	1.14	1.57	1.13	1.00	1.07	1.28	1.35	1.40	1.40	1.40	1.40	1.81
FI/Bank/Insurance	4.26	4.18	4.19	4.19	4.19	4.19	4.19	4.19	3.88	3.71	3.51	3.34	3.26	3.14	2.81	5.66	4.69	4.59	4.04	4.04	4.19	4.19	2.16	2.16	3.04	3.30
Govt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
FII	10.60	10.55	8.81	9.66	7.29	9.38	9.31	8.81	10.53	9.55	6.66	7.67	7.50	6.72	6.93	9.58	6.67	7.14	6.09	4.83	4.52	4.32	3.90	3.55	3.52	4.88
Other Institutions	3.05	3.05	2.22	0.08	2.26	0.12	2.26	2.27	2.17	2.17	0.10	0.10	0.00	0.00	0.00	1.04	1.10	1.45	1.48	0.78	0.79	1.54	1.60	1.60	0.84	1.19
Non-Institution	35.85	40.93	35.67	41.90	44.07	44.14	44.21	44.70	45.02	46.18	46.19	47.68	46.70	46.39	49.14	46.09	50.25	49.65	51.15	52.89	52.98	52.38	54.76	55.13	55.04	52.65
Bodies Corporate	8.51	9.67	7.98	10.78	11.66	8.50	9.08	10.76	9.97	12.39	18.19	13.58	14.04	14.03	12.73	11.78	12.16	12.82	12.24	13.44	15.61	15.78	17.10	17.93	18.90	18.71
Others (incl. Retail) No. of shareholders	27.34 9,999	31.26 13,559	27.69 14,206	31.12 18,228	32.41 19,601	35.64 22,474	35.13 22,449	33.94 19,431	35.05 17,442	33.79 16,081	28.00 15,282	34.10 15,962	32.66 16,063	32.36 19,930	36.41 23,261	34.31 28,523	38.09 44,038	36.83 41,646	38.91 50,305	39.45 52,201	37.37 49,855	36.60 49,617	37.66 48,444	37.20 46,687	36.14 44,039	33.94 37,464

Bulk, Block and Insider Trades

Recent bulk deals, block deals, and insider trading activity in Satin Creditcare Network Ltd. shares as reported to NSE and BSE.

Name	Month	Transaction	Holding % pre transaction	Average price	Qty.	Transaction value
Trishashna Holdings and Investments Private Limited Promoter Group	March-2024	Market Purchase (Acquisition) 20th Mar 2024	34.29 %	₹ 200.80	33.45 k	₹ 67.16 lac
Trishashna Holdings and Investments Private Limited Promoter Group	March-2024	Market Purchase (Acquisition) 18th Mar 2024	34.20 %	₹ 197.87	96.55 k	₹ 1.91 cr

Corporate Actions

History of Satin Creditcare Network Ltd. dividends, bonus issues, stock splits, rights issues, and other corporate events.

Rights Issue(48 new shares @ ₹60 for 125 existing shares)
Ex-date: 4th Aug 2020Announced on: 30th Jul 2020

Company Profile

Overview of Satin Creditcare Network Ltd. covering business description, industry classification, key management, financial ratios, and listed exchange details.

Satin Creditcare Network Limited is a non-deposit accepting non-banking financial company. The Company is engaged in providing micro-finance services to women in the rural areas of India who are enrolled as members and organized as joint liability groups (JLG). Its business is primarily based on the...

Key personnel

Mr. Manoj Agrawal

Chief Financial Officer

Mr. Vikas Gupta

Chief Compliance Officer, Company Secretary

Ms. Aditi Singh

Head - Strategy, Chief Strategy Officer

Ms. Aditi Singh

Head – Investor Relations and Corporate Communications

Dr. Harvinder Pal SinghD

Chairman of the Board, Managing Director

Mr. Satvinder SinghD

Non-Executive Non-Independent Director

Mr. Anupam Kunal GangaherD

Additional Non-Executive Independent Director

Mr. Joydeep Datta GuptaD

Non-Executive Independent Director

View all

Incorporated on

16 Oct 1990

Last Annual

31 Mar 2026

Last Interim

30 Jun 2026

No. of Employees

16,212

IPO date

26 Aug 2015

Free Float

4,59,57,854

Website

https://satincreditcare.com/

Phone no.

+910244715400

Address

5TH FLOOR, KUNDAN BHAWAN AZADPUR COMMERCIAL COMPLEX, AZADPUR, , 110033, India

Frequently Asked Questions

What is the current share price of Satin Creditcare Network Ltd.?

The current share price of Satin Creditcare Network Ltd. is ₹ 217.49 as of 8 Sep 2026.

What is the market capitalisation of Satin Creditcare Network Ltd.?

The market capitalisation of Satin Creditcare Network Ltd. stands at ₹ 2,477.17 Cr.

What is the PE ratio of Satin Creditcare Network Ltd.?

The Price-to-Earnings (PE) ratio of Satin Creditcare Network Ltd. is 6.05 as of the latest trailing twelve months data.

What is the ROE and ROCE of Satin Creditcare Network Ltd.?

Satin Creditcare Network Ltd. has a Return on Equity (ROE) of 12.29% and a Return on Capital Employed (ROCE) of 17.63% as per the latest financial reports.

What is the 52-week high and low of Satin Creditcare Network Ltd.?

The 52-week high of Satin Creditcare Network Ltd. is - and the 52-week low is -.

What is the dividend yield of Satin Creditcare Network Ltd.?

The dividend yield of Satin Creditcare Network Ltd. is 0.00% based on the current market price.

What is the FII and DII holding in Satin Creditcare Network Ltd.?

Foreign Institutional Investors (FII) hold 4.88%, Domestic Institutional Investors (DII) hold 5.11% and retail/public investors hold 33.94% of Satin Creditcare Network Ltd. shares.

What sector does Satin Creditcare Network Ltd. belong to?

Satin Creditcare Network Ltd. operates in the Financial Services sector.

What is the beta of Satin Creditcare Network Ltd.?

The beta of Satin Creditcare Network Ltd. is 0.73, indicating its price volatility relative to the broader market. Over the past 1 year, Satin Creditcare Network Ltd. has delivered an absolute return of 55.29%.

What is the RSI of Satin Creditcare Network Ltd.?

The 14-day Relative Strength Index (RSI) of Satin Creditcare Network Ltd. is 38.42, placing it approaching oversold territory. An RSI above 70 is considered overbought and below 30 is considered oversold.

Satin Creditcare Network Ltd.

Stock Scores

Key Metrics

Share Price

Stock Analysis

Financial Snapshot

Satin Creditcare Network Ltd. Shareholding Pattern

Bulk, Block and Insider Trades

Corporate Actions

Company Profile

Frequently Asked Questions

Stock Analysis

Corporate Actions

Company Profile