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Satin Creditcare Network Ltd.

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satincreditcare.comBSE: 539404NSE: SATIN
Market Cap₹ 2,375 Cr.
Current Price
High / Low₹ 274 / 136
Stock P/E5.8
Book Value₹ 270
Price to Book0.54
Dividend Yield0.00 %
ROCE12.2 %
ROE12.3 %
Face Value₹ 10

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ABOUT

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence
84%
View full sector analysis →

PROS

  • Comfortable capital adequacy - CAR of 25.4%
  • Solid return on assets for a lender - ROA of 2.5%
  • Latest quarter profit grew 171.9% YoY, showing strong momentum
  • Company has consistently been profitable over the last 5 years
  • Operating margins have improved to 49.0% from 41.3%
  • Company has delivered good sales growth of 18.0% CAGR over last 5 years

CONS

  • Free cash flow has been persistently negative
  • Equity base is being diluted - shares outstanding up 29.8%
  • Though reporting repeated profits, the company pays out little dividend (0.0%)

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance Term Lending
Part ofNIFTY 50NIFTY 500NIFTY LARGEMIDCAP 250NIFTY 100NIFTY 200
S.No.Name
1.PFC350.704.44115734.575.298997.920.1828526.860.3210.0599.88
2.IRFC81.3714.79106338.432.581927.2110.408261.11451.735.6499.49
3.RECLTD315.355.1883038.725.884192.76-6.1114434.92-1.519.7196.90
4.IFCI89.04137.5323990.170.0060.27-3.46327.064.797.5657.66
5.TFCILTD141.4076.586546.500.4218.38-8.2551.00-17.4611.1390.10
6.SATIN215.005.802375.130.001226.462619.427621.36983.8912.1562.96
7.TRU4.130.0049.090.00-10.58-16.2911.27-62.553.48-79.12
Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
462538594641632656683614708787747916762
156395192217237323398327352373362320604
Operating Profit306365403425396334287288357415385599480
OPM %66.26%67.88%67.83%66.21%62.63%50.86%41.93%46.90%50.40%52.74%51.60%65.38%62.96%
Other Income1115214155533
Interest185217247252251266268264297344289381313
Depreciation4666677867898
118143151171141621518586993212161
Tax %25.24%25.38%25.21%25.05%25.34%27.41%4.62%-20.13%22.35%22.62%22.78%23.62%23.92%
Net Profit010700105451422455372162123
101111210412457151

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
8011,0321,4431,5011,3761,3771,5492,2372,5713,1433,212
3225025686867417001,1097481,2991,6041,659
Operating Profit4795308758156356774411,4891,2731,5391,552
OPM %59.82%51.35%60.66%54.27%46.14%49.16%28.44%66.57%49.49%48.98%48.34%
01369949420017172116
Interest4365366465896386316179011,0271,0981,328
Depreciation615131815161823273032
Profit before Tax38116316212-10345583236432535
Tax %34.08%35.44%36.20%26.77%-43.35%39.44%8.16%25.21%21.06%23.11%23.43%
Net Profit2575201155-14215436186332410
EPS0.000.000.000.00-2.262.720.5939.6316.9230.20—
Dividend Payout %0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%—

COMPOUNDED SALES GROWTH

10 Years:
—
5 Years:
18%
3 Years:
27%

COMPOUNDED PROFIT GROWTH

10 Years:
—
5 Years:
—
3 Years:
310%

STOCK PRICE CAGR

10 Years:
-9%
5 Years:
23%
3 Years:
2%
1 Year:
48%

RETURN ON EQUITY

10 Years:
9%
5 Years:
9%
3 Years:
14%
Last Year:
12%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Corporate actions

No bonus data found

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
37474952667585110110110
Minority Interest2200000004
6008211,0811,3921,4181,4571,5142,2912,4322,751
3,8575,1615,2715,5426,1815,7445,9117,9258,79110,992
Trade Payables152513253430212237
244150319290294268230128206515
Total Liabilities4,7556,2066,7327,3007,9937,5737,76110,47611,54314,378
73758194131119122126131149
Capital Work in Progress10161634400007
2172264246149625155151
0000000828
Cash & Bank1,1301,1341,7581,8811,9582,0021,1141,0451,2222,125
3,5224,9104,6135,0455,8995,4036,4639,24410,13211,938
Total Assets4,7556,2066,7327,3007,9937,5737,76110,47611,54314,378

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
-938-1,534678-154-932376-919-2,069-563-974
Cash from Investing-36-55-18756226-51-73-24-45-123
Cash from Financing1,3981,39488243734-4423902,2599141,873
395-2035127315-157-639166305777

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026

Shareholding Pattern

Numbers in percentages

Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
36.1736.1736.1736.1736.1736.1736.1736.1736.17
7.146.094.834.524.323.903.553.524.88
7.046.596.106.337.135.165.165.286.30
Government0.000.000.000.000.000.000.000.000.00
49.6551.1552.8952.9852.3854.7655.1355.0452.65

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-08-26
Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-26 - Satin Creditcare Network Limited has informed the Exchange about Schedule of meet

2026-08-26
Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-26 - Satin Creditcare Network Limited has informed the Exchange about Schedule of meet

2026-08-26
Press Release

2026-08-26 - Satin Creditcare Network Limited has informed the Exchange regarding a press release dated August 26, 2026, titled "Announcement under Regulation 30 of SEBI (LODR) Regulations, 2015 - Press Release".

2026-08-07
Shareholders meeting

2026-08-07 - Scrutinizer's report along with Voting Results of 36th AGM of the Company

2026-08-07
Shareholders meeting

2026-08-07 - Satin Creditcare Network Limited has informed the Exchange regarding Proceedings of Annual General Meeting held on August 07, 2026

2026-08-06
Change in Management

2026-08-06 - Satin Creditcare Network Limited has informed the Exchange about change in Management and amendment / variation to the Trust Deed of Satin Employees Welfare Trust

2026-08-06
Press Release

2026-08-06 - Satin Creditcare Network Limited has informed the Exchange regarding a press release dated August 06, 2026, titled "Announcement under Regulation 30 of SEBI (LODR) Regulations, 2015 - Press Release".

2026-08-03
Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-03 - Satin Creditcare Network Limited has informed the Exchange about Transcript

2026-08-03
Committee Meeting Updates

2026-08-03 - Satin Creditcare Network Limited has informed the Exchange regarding Outcome of Working Committee Meeting held on August 03, 2026. for allotment of Fully Convertible Warrants to an entity belonging to the Promoter & Promoter Group'

News

Recent coverage and analyst commentary for SATIN

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