Key Metrics 
Check Before You Invest 
10 Yrs X-Ray 
Profit & Loss 
Valuation 
Analyst Note 
Balance Sheet 
Cash Flow 
Financial Ratio 
Qtr. Results 
News 
About
Satin Creditcare Network Ltd (SATIN)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 539404 NSE: SATIN Finance Term Lending | Small Cap | Satin Creditcare Net Share Price
₹251.80 -5.85 (-2.27%)
As on 22-Jul'26 16:59
Satin Creditcare Network Ltd (SATIN)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 539404 NSE: SATIN Finance Term Lending | Small Cap | Satin Creditcare Net Share Price
₹251.80 -5.85 (-2.27%)
As on 22-Jul'26 16:59
Key Metrics
Valuation Multiples
Market Cap
₹2,846 Cr.
Current Price
₹251.8
52-Week Low / High
₹134 / 271
TTM EPS
₹30.1
Book Value per Share
₹259
P/E Ratio
8.57
Higher than its 5-year historical median
Industry PE
8.6
Price to Book (P/B)
0.99
Higher than its 5-year historical median
EV/EBITDA
7.50
Higher than its 5-year historical median
Dividend Yield
0%
Profitability Efficiency
Return on Equity (ROE)
12.30%
Return on Capital Employed (ROCE)
12.15%
Return on Assets (ROA)
2.56%
Growth Momentum
1-yr vs 3-yr growth
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Improving versus 3-year growth rate
32.39%
Book Value Growth (1 Year)
Improving versus 3-year growth rate
12.51%
Asset Quality
Gross NPA(%)
3.12%
Net NPA(%)
0.85%
TTM Sales
₹3,143 Cr.
Reserves
₹2,751 Cr.
Equity
₹110.5 Cr.
Face Value
₹10
All Time Low / High
₹43.07 / 671.11
Check Before You Invest
Quality
Not GoodValuation
FairCheck Valuation charts
Price Trend
Strong
Is Satin Creditcare Network Ltd a good quality company?
Satin Creditcare Network Ltd is a weak quality company, based on a inconsistent multi-year financial track record.
This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.
We have analysed the performance of the company on the following:
-
How has it performed on generating Profits?
By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.
-
How efficiently has it grown and managed operations?
By checking its Total Asset growth.
-
How strong is its Capital position and Asset Quality?
By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.
How does Satin Creditcare Network Ltd performance compare with that of its Peers?
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 3.91%, indicating faster growth and gaining its market share.
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.
Stock return of Satin Creditcare Network Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of -3.1% based on the current price.
10 Year X-Ray :
Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year endData adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
What is a Financial Track Record? How to read this chart in order to understand the data present here?
Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Satin Creditcare Network Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
| Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 801 | 1,032 | 1,443 | 1,501 | 1,376 | 1,377 | 1,549 | 2,237 | 2,571 | 3,143 | 3,143 | |
| YoY Gr. Rt. % | - | 28.8% | 39.8% | 4% | -8.3% | 0.1% | 12.5% | 44.4% | 14.9% | 22.2% | - | |
| Adj EPS (₹ ) | 6.3 | 15 | 38.8 | 28.1 | -2.1 | 2.8 | 0.6 | 39.6 | 16.9 | 30.2 | 30.1 | |
| YoY Gr. Rt. % | - | 138.4% | 159.8% | -27.7% | -107.5% | NA | -79.5% | 6854.4% | -57.3% | 78.5% | - | |
| BVPS (₹ ) | 159.4 | 172.1 | 218.1 | 261.5 | 223.3 | 205.5 | 188.7 | 218.3 | 231.2 | 260.1 | 259 | |
| YoY Gr. Rt. % | - | 8% | 26.7% | 19.9% | -14.6% | -8% | -8.2% | 15.7% | 5.9% | 12.5% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 0.5 | 1.4 | 3.1 | 2.2 | -0.2 | 0.3 | 0.1 | 4.8 | 1.7 | 2.6 | 0 | |
CAGR ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 16.4% | 18% | 26.6% | 22.2% | ||||
| Adj EPS | 19.1% | NA | 275.6% | 78.5% | ||||
| BVPS | 5.6% | 3.1% | 11.3% | 12.5% | ||||
| Share Price | -6.5% | 22.9% | 10.2% | 59.9% | ||||
Key Financial Ratios
| RATIOS \ YEARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | 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 (%) | 3.1 | 7.3 | 14 | 10.3 | -1 | 1.5 | 0.3 | 19.5 | 7.2 | 10.6 | 10.6 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 4 | 10 | 20.2 | 12.1 | -1 | 1.4 | 0.3 | 21.8 | 7.5 | 12.3 | 11.6 | |
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 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income + | 801 | 1,168 | 1,542 | 1,505 | 1,384 | 1,381 | 1,749 | 2,255 | 2,589 | 3,164 |
| Exceptional Items ⓘ | 0 | 136 | 99 | 4 | 9 | 4 | 200 | 17 | 17 | 21 |
| Expenditure ⓘ + | 764 | 1,052 | 1,226 | 1,293 | 1,394 | 1,347 | 1,744 | 1,672 | 2,353 | 2,732 |
| Exceptional Items ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax ⓘ | 38 | 116 | 316 | 212 | -10 | 34 | 5 | 583 | 236 | 432 |
| Taxes ⓘ | 13 | 41 | 114 | 57 | 4 | 13 | 0 | 147 | 50 | 100 |
| Profit After Tax | 25 | 75 | 201 | 155 | -14 | 21 | 5 | 436 | 186 | 332 |
| Adjusted EPS (₹) | 6.3 | 15.0 | 38.8 | 28.1 | -2.1 | 2.8 | 0.6 | 39.6 | 16.9 | 30.2 |
| Dividend Payout Ratio (%) | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Valuation of Satin Creditcare Net - Consolidated
Analyst's Notes
No data found!
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 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Equity Capital + | 663 | 870 | 1,134 | 1,449 | 1,486 | 1,532 | 1,599 | 2,401 | 2,543 | 2,863 |
| Short term borrowings | 170 | 785 | 486 | 188 | 212 | 729 | 1,160 | 3,614 | 4,545 | 5,411 |
| Long Term Borrowings | 2,028 | 4,284 | 4,791 | 5,374 | 5,933 | 4,942 | 4,672 | 4,308 | 4,216 | 5,646 |
| Current Liabilities | 2,062 | 1,036 | 792 | 477 | 573 | 1,049 | 1,461 | 3,766 | 4,784 | 5,864 |
| Trade Payables | 15 | 25 | 13 | 25 | 34 | 30 | 21 | 22 | 3 | 7 |
| Other Liabilities | -184 | -795 | -485 | -213 | -246 | -709 | -1,151 | -3,636 | -4,548 | -5,418 |
| Total Liabilities ⓘ | 4,755 | 6,206 | 6,732 | 7,300 | 7,993 | 7,573 | 7,761 | 10,476 | 11,543 | 14,378 |
Assets | ||||||||||
| Non Current Asset + | 1,075 | 4,947 | 4,652 | 5,081 | 5,967 | 5,512 | 6,536 | 9,327 | 10,238 | 11,801 |
| Current Asset + | 3,675 | 1,259 | 2,080 | 2,219 | 2,025 | 2,060 | 1,225 | 1,149 | 1,304 | 2,577 |
| Total Assets ⓘ | 4,755 | 6,206 | 6,732 | 7,300 | 7,993 | 7,573 | 7,761 | 10,476 | 11,543 | 14,378 |
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 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ | -966 | -1,541 | 611 | -225 | -945 | 336 | -956 | -2,069 | -563 | -974 |
| Cash Flow From Investing Activity ⓘ | -36 | -55 | -187 | 56 | 226 | -51 | -73 | -24 | -45 | -123 |
| Cash Flow From Financing Activity ⓘ | 1,398 | 1,394 | 88 | 243 | 734 | -442 | 390 | 2,259 | 914 | 1,873 |
| Net Cash Flow ⓘ | 395 | -203 | 512 | 73 | 15 | -157 | -639 | 166 | 305 | 777 |
Financial Ratio
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
Operational & Financial Ratios | ||||||||||
| EPS (₹) | 6.70 | 16 | 41.50 | 30 | -2.10 | 2.80 | 0.60 | 39.60 | 16.90 | 30.20 |
| DPS (₹) | 0 | 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 | 260.1 |
Performance Ratios | ||||||||||
| ROA (%) | 0.5 | 1.4 | 3.1 | 2.2 | -0.2 | 0.3 | 0.1 | 4.8 | 1.7 | 2.6 |
| ROE (%) | 4.0 | 10.0 | 20.2 | 12.1 | -1.0 | 1.4 | 0.3 | 21.8 | 7.5 | 12.3 |
| ROCE (%) | 10.5 | 12.3 | 15.4 | 11.9 | 8.6 | 8.9 | 8.4 | 16.6 | 11.7 | 12.2 |
Valuation Parameters | ||||||||||
| Price/Book(x) | 2.1 | 2.2 | 1.6 | 0.2 | 0.4 | 0.5 | 0.7 | 1.0 | 0.6 | 0.5 |
Management X-Ray
Shareholding Pattern
Promoter's Holding & Share Pledging
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
* Pledged shares as % of Promoter's holding (%)
Top 5 Mutual Funds Holding
Last Visited Stocks
Announcements
Satin Creditcare Network Ltd FAQs
The current trading price of Satin Creditcare Net on 22-Jul-2026 16:59 is ₹251.8.
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 21-Jul-2026 the market cap of Satin Creditcare Net stood at ₹2,846.3 Cr
The latest P/E ratio of Satin Creditcare Net as of 21-Jul-2026 is 9.42.
The latest P/B ratio of Satin Creditcare Net as of 21-Jul-2026 is 0.91.
The 52-week high of Satin Creditcare Net is ₹271.0 and the 52-week low is ₹133.5.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Satin Creditcare Net is ₹2,822 ( Cr.) .
Past 10 year’s financial track record analysis by Moneyworks4me indicates that Satin Creditcare Network Ltd is a below average quality company.
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.
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
About Satin Creditcare Network Ltd
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