	2012 Mar 31	2013 Mar 31	2014 Mar 31	2015 Mar 31	2016 Mar 31	C 2017 Mar 31	R 2018 Mar 31	C 2019 Mar 31	2020 Mar 31	2021 Mar 31	C 2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M PRESS
Total Revenue	56	94	191	322	552	801	1,031	1,443	1,500	1,376	1,377	1,557	2,232	2,594	3,143
Cost of Operating Revenue	3	5	7	8	4	-	-	-	-	-	-	-	-	-	-
Total Operating Expenses	27	35	62	100	181	328	335	432	512	470	535	529	605	797	922
Operating Profit	29	59	128	222	371	473	695	1,011	987	905	842	1,028	1,627	1,797	2,220
Operating Margin	51.4	63.2	67.4	68.9	67.2	59.1	67.5	70.1	65.9	65.8	61.1	66.0	72.9	69.3	70.6
Financing Income/(Expense) - Net	-27	-54	-106	-177	-290	-436	-535	-645	-588	-634	-631	-617	-901	-1,049	-1,311
Profit before Taxes	2	5	23	46	88	38	116	316	212	-10	34	5	583	236	432
Income Taxes	1	1	8	15	30	13	41	114	57	4	13	0	147	50	100
Profit after Tax	1	4	16	32	58	25	75	201	155	-14	21	5	436	186	332
PAT Margin	2.5	4.1	8.2	9.9	10.5	3.1	7.3	13.9	10.3	-1.0	1.5	0.3	19.5	7.2	10.6
EPS - Basic - ex Extraordinary Items	0.74	2.04	6.40	11.40	19.00	6.78	16.75	39.03	28.51	-2.26	2.96	0.62	44.34	16.92	30.20
EPS - Diluted - ex Extraordinary Items	0.71	1.98	6.25	11.17	18.70	6.70	16.42	38.63	28.08	-2.26	2.72	0.59	43.27	16.92	30.20
EBIT	29	59	128	222	371	473	695	1,011	987	905	842	1,028	1,627	1,797	2,220
EBITDA	30	60	129	224	374	479	710	1,024	1,005	920	858	1,046	1,649	1,824	2,250
EBITDA Margin	52.6	63.8	67.8	69.5	67.7	59.9	68.9	70.9	67.0	66.9	62.3	67.2	73.9	70.3	71.6

Balance Sheet

Abridged

Understanding Balance Sheet

Satin Creditcare Network Ltd. balance sheet covering assets, liabilities, equity and borrowings across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2012 Mar 31	2013 Mar 31	2014 Mar 31	C 2015 Mar 31	2016 Mar 31	R 2017 Mar 31	R 2018 Mar 31	R 2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	R 2024 Mar 31	2025 Mar 31	2026 Mar 31

Source:	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	PRESS
Property Plant & Equipment - Net	8	8	12	14	19	45	54	61	90	91	83	87	92	97	118
Total Assets	317	745	1,122	2,011	3,303	4,757	6,299	6,741	7,300	8,045	7,655	7,850	10,485	11,587	14,387
Long Term Debt	96	278	329	812	1,333	4,113	5,161	5,271	5,542	2,341	1,876	2,040	3,431	3,266	10,991
Total Liabilities	237	622	977	1,811	2,979	4,304	5,412	5,592	5,851	6,559	6,073	6,221	8,084	9,044	11,519
Total Shareholders' Equity	80	124	144	199	324	451	885	1,149	1,449	1,486	1,582	1,628	2,401	2,543	2,863
Minority Interest	-	-	-	-	-	2	2	-	-	-	-	-	-	-	4
Total Equity	80	124	144	199	324	453	887	1,149	1,449	1,486	1,582	1,628	2,401	2,543	2,868
Total Liabilities & Equity	317	745	1,122	2,011	3,303	4,757	6,299	6,741	7,300	8,045	7,655	7,850	10,485	11,587	14,387
Total Current Assets	284	670	1,034	1,478	2,607	-	-	-	-	-	-	-	-	-	-
Total Current Liabilities	140	343	648	998	1,643	-	-	-	-	-	-	-	-	-	-

Cash Flow

Abridged

Understanding Cash Flow Statement

Satin Creditcare Network Ltd. cash flow statement covering operating, investing and financing activities across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2012 Mar 31	2013 Mar 31	2014 Mar 31	R 2015 Mar 31	2016 Mar 31	R 2017 Mar 31	R 2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	C 2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M PRESS
Operating CF bef Changes in Working Cap	2	4	14	31	57	67	178	178	156	206	178	187	495	528	586
Working Capital - Increase/(Decrease)	30	-109	-59	-474	-672	-1,034	-1,720	433	-381	-1,151	158	-1,144	-2,564	-1,092	-1,559
Net CF from Operating Activities	32	-105	-44	-443	-615	-966	-1,541	611	-225	-945	336	-956	-2,069	-563	-974
Capital Expenditures - Net	0	1	4	4	10	36	21	19	-21	20	5	9	12	19	28
Net CF from Investing Activities	0	-1	-4	-4	-10	-36	-55	-187	56	226	-51	-73	-24	-46	-123
Dividends Paid - Cash - Total	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Stock - Issuance/(Retirement) - Net	0	40	5	23	67	293	357	0	44	87	105	62	331	-	-
Debt - LT & ST - Issuance/(Retirement) - Total	-24	229	60	498	634	1,117	1,037	88	198	647	-547	328	1,929	914	1,873
Net Cash Flow from Financing Activities	-24	269	65	521	701	1,398	1,394	88	243	734	-442	390	2,259	914	1,873
Free Cash Flow to Equity	8	123	11	51	10	115	-525	681	-5	-317	-216	-638	-153	332	871
Free Operating CF net dividend	31	-106	-49	-447	-624	-1,003	-1,562	592	-	-965	330	-966	-2,082	-583	-1,003
Free Operating CF	31	-106	-49	-447	-624	-1,003	-1,562	592	-	-965	330	-966	-2,082	-583	-1,003

Business Segment Analysis

FY End:

Mar 25

Satin Creditcare Network Ltd. business segment breakdown covering revenue, operating income and assets across key divisions for the selected financial year.

Capex

Financing and related activities (100.0%)₹ 19.85 Cr

Revenue / Sales

Financing and related activities (100.0%)₹ 2,594.40 Cr

Assets

Financing and related activities (100.0%)₹ 11,587.00 Cr

Operating Income

Financing and related activities (100.0%)₹ 1,797.39 Cr

Regional Segment Analysis

FY End:

Mar 25

Satin Creditcare Network Ltd. geographic revenue split showing domestic and international market performance across revenue and income for the selected financial year.

Revenue / Sales

India (100.0%)₹ 2,594.40 Cr

Assets

India (100.0%)₹ 11,587.00 Cr

Historical Segment Analysis

Track how Satin Creditcare Network Ltd. segment contributions have evolved over multiple financial years to see which divisions are growing, shrinking or gaining strategic importance.

Capex

Sales

Assets

Operating Income

Business

Regional

Business

	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31

Financing and related activities	20	6	10	13	20

Frequently Asked Questions

What is the revenue of Satin Creditcare Network Ltd.?

The latest trailing twelve month revenue of Satin Creditcare Network Ltd. is ₹ 3,142.61 Cr, reflecting a 1-year growth of 21.13% and a 3-year CAGR of 26.38%. Annual and quarterly revenue trends are available in the Income Statement section.

What is the net profit of Satin Creditcare Network Ltd.?

The latest trailing twelve month net profit (PAT) of Satin Creditcare Network Ltd. is ₹ 332.19 Cr, with a 3-year earnings CAGR of 271.67%. Detailed profit history across annual and quarterly periods is in the Income Statement section.

What is the EBITDA of Satin Creditcare Network Ltd.?

The trailing twelve month EBITDA of Satin Creditcare Network Ltd. is approximately ₹ 2,220.14 Cr (based on an operating margin of 70.65%). EBITDA reflects core operating profitability before interest, taxes, depreciation and amortisation.

What is the EPS of Satin Creditcare Network Ltd.?

The trailing twelve month Earnings Per Share (EPS) of Satin Creditcare Network Ltd. is 30.20. EPS trends across annual and quarterly periods are visible in the Income Statement section.

What is the debt level of Satin Creditcare Network Ltd.?

The debt-to-equity ratio of Satin Creditcare Network Ltd. stands at 3.84. The interest coverage ratio is 1.69x, reflecting the company's ability to service debt from operating earnings. The full breakdown of total borrowings is in the Balance Sheet section.

What is the book value per share of Satin Creditcare Network Ltd.?

The estimated book value per share of Satin Creditcare Network Ltd. is 266.90 (derived from a P/B ratio of 0.96 and market price of ₹ 255.12), reflecting the net asset value attributable to each share. See the Balance Sheet section for a full breakdown.

What is the cash flow from operations of Satin Creditcare Network Ltd.?

The trailing twelve month operating cash flow of Satin Creditcare Network Ltd. is ₹ -973.81 Cr. Annual and quarterly cash flow data is available in the Cash Flow section of the Statements tab.

Does Satin Creditcare Network Ltd. report consolidated or standalone financials?

Satin Creditcare Network Ltd. reports consolidated financials. You can toggle between consolidated and standalone views using the switch at the top of each statement section.