Is Satin Creditcare Network Ltd (SATIN) a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that Satin Creditcare Network Ltd is a below average quality company .

Is Satin Creditcare Network Ltd (SATIN) undervalued or overvalued?

The key valuation ratios of Satin Creditcare Network Ltd's currently when compared to its past seem to suggest it is in the Fair zone .

What is Satin Creditcare Network Ltd (SATIN) share price return in the past 10 years?

Satin Creditcare Network Ltd share price has declined -3.6% annually (CAGR) over the past ten years.

Is Satin Creditcare Network Ltd (SATIN) a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Strong which suggest that the price of Satin Creditcare Network Ltd is likely to Rise in the short term. However, please check the rating on Quality and Valuation before investing

What is the share price of Satin Creditcare Network Ltd (SATIN)?

Company share prices are keep on changing according to the market conditions. The current trading price of Satin Creditcare Network Ltd (SATIN) on 07-May-2026 14:59:00 at 14:59 is 204.00.

What is the P/E ratio of Satin Creditcare Network?

The latest standalone P/E ratio of Satin Creditcare Network as of 07-May-2026 is 10.40.

What is the P/B ratio of Satin Creditcare Network Ltd (SATIN)?

The latest standalone P/B ratio of Satin Creditcare Network Ltd (SATIN) as of 07-May-2026 is 0.72.

What is the 52-week high and low of Satin Creditcare Network Ltd (SATIN)?

The 52-week high of Satin Creditcare Network Ltd (SATIN) is Rs. 196.75 and the 52-week low is Rs. 133.50.

Satin Creditcare Network Ltd (SATIN) Share Analysis – Quality, Valuation Zone & Price Trend & DeciZen Rating

Name: Satin Creditcare Network Ltd (SATIN)
Brand: Satin Creditcare Network

Satin Creditcare Network Ltd (SATIN) Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating

Satin Creditcare Network Ltd (SATIN)

BSE: 539404 NSE: SATIN

Key Metrics

Market Cap

₹2,144 Cr.

Earnings Per Share (TTM)

₹17.39

P/E Ratio

11.16

Price to Book (P/B)

0.80

EV/EBITDA

5.14

Current Price

₹204

Return on Capital Employed (ROCE)

11.87%

Return on Equity (ROE)

7.53%

Return on Assets (ROA)

1.69%

Gross NPA(%)

3.70

Book Value per Share

₹243.8

Net NPA(%)

1.39

Dividend Yield

0.00%

Net Interest Income Growth (1 Year)

16.02%

Net Interest Income Growth (3 Years)

27.6%

52-Week Low / High

₹134 / 197

Book Value Growth (1 Year)

5.9%

Book Value Growth (3 Years)

Check Before You Invest

Q.1 Does its ROIC exceed its WACC?

Satin Creditcare Network Ltd return on invested capital (ROIC) is 8.5% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

Q.1 Stock return of Satin Creditcare Network Ltd over the last decade?

Over the last 9 years, the stock has delivered a CAGR of -3.7% based on the current price.

Q.1 Which industry/sub-sector does Satin Creditcare Network Ltd belong to?

Satin Creditcare Network Ltd belongs to the BFSI sector, operating specifically within the Finance Term Lending segment.

Q.1 Total Income growth of Satin Creditcare Network Ltd?

Satin Creditcare Network Ltd Operating Income growth is 16.16% for FY-2025, which is above its 5-year CAGR of 11.61%, indicating faster growth.

Q.1 Promoter shareholding and pledge status of Satin Creditcare Network Ltd?

Promoters hold 36.17% of the Satin Creditcare Network Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Q.1 AUM Growth of Satin Creditcare Network Ltd vs Industry Peers?

Satin Creditcare Network Ltd AUM CAGR is 9.6%, compared to the 5-year industry median CAGR of 3.93%, indicating faster growth and gaining its market share.

DeciZen - make an informed investing decision on Satin Creditcare

Based on:

Data

Overall Rating ⓘ
Login to view analysis.

1. Quality

2. Valuation

3. Price Trend

Satin Creditcare Network stock performance

Key Ratios

Is Satin Creditcare Network Ltd an attractive stock to invest in?

10 Year X-Ray : Login to view analysis.

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	TTM
Operating Income (₹ Cr.)	0	801	1,032	1,443	1,501	1,376	1,377	1,549	2,237	2,599	2,861
YoY Gr. Rt. %	-	NA	28.8%	39.8%	4%	-8.3%	0.1%	12.5%	44.4%	16.2%	-
Adj EPS (₹ )	0	6.3	15	38.8	28.1	-2.1	2.8	0.6	39.6	16.9	17.4
YoY Gr. Rt. %	-	NA	138.4%	159.8%	-27.7%	-107.5%	NA	-79.5%	6854.4%	-57.3%	-
BVPS (₹ )	0	159.4	172.1	218.1	261.5	223.3	205.5	188.7	218.3	231.2	243.8
YoY Gr. Rt. %	-	NA	8%	26.7%	19.9%	-14.6%	-8%	-8.2%	15.7%	5.9%	-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)	0	0.5	1.4	3.1	2.2	-0.2	0.3	0.1	4.8	1.7	0

CAGR ⓘ

CAGR Colour Code Guide ⓘ


	9 Years	5 Years	3 Years	1 Years
Net Interest Income	NA	11.6%	23.6%	16.2%
Adj EPS	NA	-9.6%	82.6%	-57.3%
BVPS	NA	-2.4%	4%	5.9%
Share Price	-3.6%	19.5%	6.1%	21.7%

Key Financial Ratios


RATIOS \ YEARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	TTM
Asset Quality Ratio	To view Asset Quality Ratio Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)	0	0	0	0	0	0	0	0	0	0	-
Capitalization Ratio	To view Capitalization Ratio Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%)	0	0	0	0	0	0	0	0	0	0	-
Margins
Net Profit Margin (%)	0	3.1	7.3	14	10.3	-1	1.5	0.3	19.5	7.2	6.7
Performance Ratios	To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)	0	4	10	20.2	12.1	-1	1.4	0.3	21.8	7.5	7.1

Recent Performance Summary

Latest Financials

	Standalone	Consolidated
TTM EPS (₹)	18.7	17.4
TTM Sales (₹ Cr.)	2,583	2,861
BVPS (₹) ⓘ	270.5	243.8
Reserves (₹ Cr.) ⓘ	2,878	2,583
P/BV ⓘ	0.72	0.80
PE ⓘ	10.40	11.16

From the Market
52 Week Low / High (₹)	133.50 / 196.75
All Time Low / High (₹)	43.07 / 671.11
Market Cap (₹ Cr.)	2,144
Equity (₹ Cr.)	110.5
Face Value (₹)	10
Industry PE ⓘ	9.7

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged ^*

0.00

* Pledged shares as % of Promoter's holding (%)

Valuation of Satin Creditcare - Consolidated Basis

YTD 1Y 3Y 5Y 10Y Max

Analyst's Notes

No data found!

Key Ratios

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)

PARTICULARS	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Income +	801	1,168	1,542	1,505	1,384	1,381	1,749	2,255	2,616
Interest Income	801	1,032	1,443	1,501	1,376	1,377	1,549	2,237	2,599
Other Income ⓘ	88	216	173	236	324	227	619	182	554
Exceptional Items ⓘ	0	136	99	4	9	4	200	17	17
Expenditure ⓘ +	764	1,052	1,226	1,293	1,394	1,347	1,744	1,672	2,380
Interest Expense ⓘ	436	536	646	589	638	631	617	901	1,049
Operating Expenses ⓘ	240	301	408	468	432	490	508	588	778
Provisions	88	216	173	236	324	227	619	182	554
Exceptional Items ⓘ	0	0	0	0	0	0	0	0	0
Profit Before Tax ⓘ	38	116	316	212	-10	34	5	583	236
Taxes ⓘ	13	41	114	57	4	13	0	147	50
Profit After Tax	25	75	201	155	-14	21	5	436	186
Adjusted EPS (₹)	6.3	15.0	38.8	28.1	-2.1	2.8	0.6	39.6	16.9
Dividend Payout Ratio (%)	0%	0%	0%	0%	0%	0%	0%	0%	0%

Balance Sheet

(All Figures are in Crores.)

PARTICULARS	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Equity and Liabilities
Equity Capital +	663	870	1,134	1,449	1,486	1,532	1,599	2,401	2,543
Share Capital ⓘ	62	47	49	52	66	75	85	110	110
Reserves ⓘ	600	822	1,086	1,397	1,420	1,457	1,514	2,291	2,433
Short term borrowings	170	785	486	188	212	729	1,160	3,614	4,545
Long Term Borrowings	2,028	4,284	4,791	5,374	5,933	4,942	4,672	4,308	4,216
Current Liabilities	2,062	1,036	792	477	573	1,049	1,461	3,766	4,783
Trade Payables	15	25	13	25	34	30	21	22	36
Other Liabilities	-184	-795	-485	-213	-246	-709	-1,151	-3,636	-4,580
Total Liabilities ⓘ	4,755	6,206	6,732	7,300	7,993	7,573	7,761	10,476	11,543
Assets
Non Current Asset +	1,075	4,947	4,652	5,081	5,967	5,512	6,536	9,327	10,183
Loan Asset	816	4,847	4,549	4,941	5,811	5,308	6,329	8,908	9,844
Other Non Current Asset ⓘ	259	100	103	140	156	204	207	419	340
Current Asset +	3,675	1,259	2,080	2,219	2,025	2,060	1,225	1,149	1,359
Current Investment	20	72	264	246	1	1	0	0	18
Other Current Asset	3,654	1,187	1,816	1,973	2,025	2,060	1,225	1,149	1,341
Total Assets ⓘ	4,755	6,206	6,732	7,300	7,993	7,573	7,761	10,476	11,543

Cash Flow

(All Figures are in Crores.)

PARTICULARS	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Cash Flow From Operating Activity ⓘ	-966	-1,541	611	-225	-945	336	-956	-2,069	-563
Cash Flow From Investing Activity ⓘ	-36	-55	-187	56	226	-51	-73	-24	-45
Cash Flow From Financing Activity ⓘ	1,398	1,394	88	243	734	-442	390	2,259	914
Net Cash Flow ⓘ	395	-203	512	73	15	-157	-639	166	305

Finance Ratio

PARTICULARS	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Operational & Financial Ratios
EPS (₹)	6.70	16	41.50	30	-2.10	2.80	0.60	39.60	16.90
DPS (₹)	0	0	0	0	0	0	0	0	0
BVPS (₹)	170.2	183.8	232.9	279.2	223.3	205.5	188.7	218.3	231.2
Performance Ratios
ROA (%)	0.5	1.4	3.1	2.2	-0.2	0.3	0.1	4.8	1.7
ROE (%)	4.0	10.0	20.2	12.1	-1.0	1.4	0.3	21.8	7.5
ROCE (%)	10.5	12.3	15.4	11.9	8.6	8.9	8.4	16.6	11.9
Valuation Parameters
Price/Book(x)	2.1	2.2	1.6	0.2	0.4	0.5	0.7	1.0	0.6

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

Satin Creditcare Network Ltd FAQs

The current trading price of Satin Creditcare on 07-May-2026 14:59 is ₹204.0.

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 06-May-2026 the market cap of Satin Creditcare stood at ₹2,143.7 Cr

The latest P/E ratio of Satin Creditcare as of 06-May-2026 is 10.40.

The latest P/B ratio of Satin Creditcare as of 06-May-2026 is 0.72.

The 52-week high of Satin Creditcare is ₹196.8 and the 52-week low is ₹133.5.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Satin Creditcare is ₹2,583 ( Cr.) .

About Satin Creditcare Network Ltd

No data to display

To get DeciZen Rating of 3,500+ Stocks based on their Quality, Valuation and Price Trend Login Now

Name of the IA registered with SEBI:	The Alchemists Ark Pvt. Ltd.
Logo:
Trade/Brand Name of IA:	MoneyWorks4Me Investment Advisers
Brand Logo:
SEBI Registration Number:	INA000013323 Validity – May 16, 2019 – Perpetual
Registration:	Non-Individual
BSE Enlistment No:	1187
Address:	B-101, Signet Corner Building, Balewadi Phata, Baner, Pune, Maharashtra 411045
Compliance officer Details:	Name: Shrikant Jagtap Email: shrikant.jagtap@moneyworks4me.com Telephone: +919860359463 Address: Same as IA
Grievance Officer Details:	Name: Mukta Vaze Email: mukta.vaze@moneyworks4me.com Telephone: +91 98609 19463 Address: Same as IA
Principal Officer Details:	Name: Atharva Bhide Email: atharva.bhide@moneyworks4me.com Telephone: +91 91758 99463 Address: Same as IA
Standard Warning:	Investment in securities market are subject to market risks. Read all the related documents carefully before investing.
Disclaimer:	Registration granted by SEBI, enlistment with exchange and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

Satin Creditcare Network Ltd (SATIN) Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating

Satin Creditcare Share Price