Satin Creditcare Network Ltd.
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ABOUT
AI Sector View
AI GENERATEDFinancial Services
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.
PROS
- Comfortable capital adequacy - CAR of 25.4%
- Solid return on assets for a lender - ROA of 2.5%
- Latest quarter profit grew 182.4% YoY, showing strong momentum
- Company has delivered good sales growth of 17.3% CAGR over last 5 years
CONS
- Free cash flow has been persistently negative
- Equity base is being diluted - shares outstanding up 29.8%
- Operating margins have contracted to 48.6% from 53.2%
- 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
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| PFC | 350.70 | 4.44 | 115734.57 | 5.29 | 8997.92 | 0.18 | 28526.86 | 0.32 | 10.05 | 99.88 |
| IRFC | 81.37 | 14.79 | 106338.43 | 2.58 | 1927.21 | 10.40 | 8261.11 | 451.73 | 5.64 | 99.49 |
| RECLTD | 315.35 | 5.18 | 83038.72 | 5.88 | 4192.76 | -6.11 | 14434.92 | -1.51 | 9.71 | 96.90 |
| IFCI | 89.04 | 137.53 | 23990.17 | 0.00 | 60.27 | -3.46 | 327.06 | 4.79 | 7.56 | 57.66 |
| TFCILTD | 141.40 | 76.58 | 6546.50 | 0.42 | 18.38 | -8.25 | 51.00 | -17.46 | 11.13 | 90.10 |
| SATIN | 215.00 | 5.80 | 2375.13 | 0.00 | 1226.46 | 2619.42 | 7621.36 | 983.89 | 12.15 | 62.96 |
| TRU | 4.13 | 0.00 | 49.09 | 0.00 | -10.58 | -16.29 | 11.27 | -62.55 | 3.48 | -79.12 |
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
| 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 421 | 492 | 546 | 591 | 581 | 600 | 631 | 554 | 641 | 715 | 669 | 810 | 671 | |
| 133 | 354 | 168 | 188 | 210 | 295 | 367 | 294 | 315 | 331 | 316 | 280 | 513 | |
| Operating Profit | 289 | 344 | 380 | 404 | 372 | 305 | 265 | 261 | 326 | 385 | 354 | 531 | 433 |
| OPM % | 68.59% | 69.90% | 69.58% | 68.39% | 63.98% | 50.92% | 41.95% | 47.15% | 50.91% | 53.83% | 52.91% | 65.61% | 64.50% |
| Other Income | 0 | 0 | 0 | 1 | 0 | 0 | 1 | 2 | 1 | 0 | 1 | 1 | 1 |
| Interest | 170 | 200 | 230 | 233 | 229 | 243 | 242 | 236 | 267 | 313 | 256 | 343 | 269 |
| Depreciation | 4 | 5 | 5 | 6 | 5 | 6 | 6 | 7 | 5 | 6 | 7 | 7 | 6 |
| 115 | 138 | 145 | 167 | 138 | 57 | 17 | 21 | 55 | 67 | 91 | 181 | 158 | |
| Tax % | 25.21% | 25.36% | 25.39% | 25.14% | 25.40% | 27.63% | -84.20% | -95.48% | 22.02% | 22.44% | 22.58% | 24.30% | 23.85% |
| Net Profit | 86 | 103 | 108 | 125 | 103 | 42 | 31 | 41 | 43 | 52 | 71 | 137 | 120 |
| 10 | 1 | 11 | 11 | 9 | 4 | 3 | 4 | 4 | 5 | 6 | 12 | 1 |
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 777 | 978 | 1,373 | 1,401 | 1,272 | 1,262 | 1,753 | 2,053 | 2,356 | 2,822 | 2,865 | |
| 299 | 440 | 510 | 597 | 657 | 586 | 1,021 | 648 | 1,175 | 1,450 | 1,441 | |
| Operating Profit | 478 | 538 | 862 | 804 | 614 | 676 | 732 | 1,406 | 1,181 | 1,373 | 1,424 |
| OPM % | 61.54% | 55.02% | 62.82% | 57.38% | 48.31% | 53.53% | 41.76% | 68.45% | 50.14% | 48.63% | 49.71% |
| 0 | 136 | 97 | 1 | 7 | 4 | 201 | 13 | 3 | 13 | 2 | |
| Interest | 435 | 533 | 643 | 577 | 618 | 606 | 576 | 833 | 928 | 966 | 1,181 |
| Depreciation | 6 | 14 | 11 | 15 | 13 | 14 | 16 | 20 | 24 | 26 | 27 |
| Profit before Tax | 37 | 127 | 306 | 213 | -10 | 59 | 341 | 566 | 233 | 394 | 497 |
| Tax % | 34.14% | 35.12% | 36.21% | 26.69% | -38.84% | 32.24% | 22.48% | 25.27% | 7.05% | 23.27% | 23.59% |
| Net Profit | 24 | 82 | 195 | 156 | -14 | 40 | 264 | 423 | 217 | 302 | 380 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 | -2.19 | 5.29 | 32.30 | 38.44 | 19.69 | 27.46 | — |
| 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:
- 18%
- 5 Years:
- 17%
- 3 Years:
- 17%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- 18%
- 5 Years:
- —
- 3 Years:
- 5%
STOCK PRICE CAGR
- 10 Years:
- -9%
- 5 Years:
- 23%
- 3 Years:
- 2%
- 1 Year:
- 48%
RETURN ON EQUITY
- 10 Years:
- 10%
- 5 Years:
- 11%
- 3 Years:
- 12%
- Last Year:
- 10%
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 37 | 47 | 49 | 52 | 66 | 75 | 85 | 110 | 110 | 110 | |
| 600 | 828 | 1,083 | 1,396 | 1,422 | 1,482 | 1,800 | 2,557 | 2,733 | 3,018 | |
| 3,852 | 5,151 | 5,235 | 5,409 | 6,026 | 5,463 | 5,447 | 7,197 | 7,807 | 9,538 | |
| Trade Payables | 0 | 7 | 12 | 18 | 25 | 26 | 13 | 16 | 1 | 5 |
| 237 | 141 | 311 | 280 | 289 | 262 | 300 | 201 | 236 | 525 | |
| Total Liabilities | 4,726 | 6,174 | 6,690 | 7,154 | 7,828 | 7,307 | 7,645 | 10,081 | 10,886 | 13,196 |
| 38 | 39 | 45 | 56 | 94 | 81 | 85 | 87 | 88 | 94 | |
| Capital Work in Progress | 10 | 16 | 16 | 34 | 4 | 0 | 0 | 0 | 0 | 7 |
| 70 | 149 | 422 | 513 | 283 | 336 | 742 | 825 | 914 | 1,187 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4 | 1 | 2 | |
| Cash & Bank | 1,108 | 1,083 | 1,698 | 1,762 | 1,863 | 1,915 | 1,029 | 954 | 1,091 | 1,942 |
| 3,500 | 4,887 | 4,509 | 4,789 | 5,585 | 4,975 | 5,790 | 8,211 | 8,792 | 9,965 | |
| Total Assets | 4,726 | 6,174 | 6,690 | 7,154 | 7,828 | 7,307 | 7,645 | 10,081 | 10,886 | 13,196 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| -926 | -1,523 | 782 | 56 | -873 | 504 | -703 | -1,784 | -258 | -377 | |
| Cash from Investing | -84 | -80 | -264 | -109 | 211 | -55 | -111 | -86 | -103 | -310 |
| Cash from Financing | 1,420 | 1,390 | 63 | 151 | 713 | -567 | 206 | 2,013 | 645 | 1,430 |
| 383 | -218 | 516 | 25 | 41 | -156 | -641 | 143 | 284 | 742 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-08-26 - Satin Creditcare Network Limited has informed the Exchange about Schedule of meet
2026-08-26 - Satin Creditcare Network Limited has informed the Exchange about Schedule of meet
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 - Scrutinizer's report along with Voting Results of 36th AGM of the Company
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 - 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 - 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 - Satin Creditcare Network Limited has informed the Exchange about Transcript
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
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