Satin Creditcare Network Ltd.

•

satincreditcare.comBSE: 539404NSE: SATIN

Market Cap₹ 2,375 Cr.

Current Price

High / Low₹ 274 / 136

Stock P/E6.3

Book Value₹ 294

Price to Book0.49

Dividend Yield0.00 %

ROCE11.7 %

ROE10.1 %

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 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

Financial ServicesFinanceFinance Term Lending

Part ofNIFTY 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name
1.	PFC	350.70	4.44	115734.57	5.29	8997.92	0.18	28526.86	0.32	10.05	99.88
2.	IRFC	81.37	14.79	106338.43	2.58	1927.21	10.40	8261.11	451.73	5.64	99.49
3.	RECLTD	315.35	5.18	83038.72	5.88	4192.76	-6.11	14434.92	-1.51	9.71	96.90
4.	IFCI	89.04	137.53	23990.17	0.00	60.27	-3.46	327.06	4.79	7.56	57.66
5.	TFCILTD	141.40	76.58	6546.50	0.42	18.38	-8.25	51.00	-17.46	11.13	90.10
6.	SATIN	215.00	5.80	2375.13	0.00	1226.46	2619.42	7621.36	983.89	12.15	62.96
7.	TRU	4.13	0.00	49.09	0.00	-10.58	-16.29	11.27	-62.55	3.48	-79.12

Detailed Comparison with:

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

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	36.17	36.17	36.17	36.17	36.17	36.17	36.17	36.17	36.17
	7.14	6.09	4.83	4.52	4.32	3.90	3.55	3.52	4.88
	7.04	6.59	6.10	6.33	7.13	5.16	5.16	5.28	6.30
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	49.65	51.15	52.89	52.98	52.38	54.76	55.13	55.04	52.65

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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Satin Creditcare Network Ltd.

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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

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

Interest

170

200

230

233

229

243

242

236

267

313

256

343

269

Depreciation

115

138

145

167

138

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

103

108

125

103

137

120

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%

136

201

Interest

435

533

643

577

618

606

576

833

928

966

1,181

Depreciation

Profit before Tax

127

306

213

-10

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

195

156

-14

264

423

217

302

380

EPS

0.00

-2.19

5.29

32.30

38.44

19.69

27.46

—

Dividend Payout %

0.00%

—

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

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

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

Capital Work in Progress

149

422

513

283

336

742

825

914

1,187

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

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

-926

-1,523

782

-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

151

713

-567

206

2,013

645

1,430

383

-218

516

-156

-641

143

284

742

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

36.17

7.14

6.09

4.83

4.52

4.32

3.90

3.55

3.52

4.88

7.04

6.59

6.10

6.33

7.13

5.16

5.28

6.30

Government

0.00

49.65

51.15

52.89

52.98

52.38

54.76

55.13

55.04

52.65

Satin Creditcare Network Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI

Satin Creditcare Network Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI