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Satin Creditcare Network Ltd

Satin Creditcare Network Ltd

220.00
INR
-5.25
(-2.33%)
36.52EPS
6.73P/E
27.04BMarket Cap
Oct 23Next Earn
Satin Creditcare Network Ltd
BSE:SATIN
(Bombay Stock Exchange)

Recent

price

220.00

P/E

ratio

6.73

div

yld

- -

ROIC.AI

2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
INR
78.73
119.08
182.94
218.47
213.09
234.62
213.2
192.15
179.38
162.93
189.22
202.21
218.54
236.72
Revenue per Share
6.43
11.4
19
6.78
16.75
39.03
28.83
-2.26
2.96
0.62
44.34
16.92
30.2
36.52
Basic EPS, GAAP
-20.16
-165.4
-206.82
-273.45
-347.01
114.89
-41.91
-155.64
47.25
-123.52
-211.77
-53.03
-91.15
- -
Free Cash Flow per Basic Share
- -
- -
- -
0.17
0.65
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
52.33
72.28
94.98
106.18
168.41
220.15
260.76
206.35
212.23
192.13
218.28
231.19
260.34
- -
Book Value per Share
52.27
72.08
94.33
96.28
161.12
213.21
253.96
201.24
207.4
187.94
215.14
228.09
256.46
- -
Tangible Book Value per Share
24
27
30
37
45
52
54
62
70
78
98
110
110
110
Basic Weighted Avg Shares
1,905
3,219
5,523
8,010
9,593
12,095
11,462
11,912
12,536
12,746
18,602
22,241
24,037
26,037
Sales/Revenue/Turnover
67.96
70.47
70.64
7.86
9.68
22.9
27.23
17.14
13.84
27.42
34.69
30.24
31.87
21.34
Operating Margin (%)
7
20
29
61
147
125
175
151
157
184
227
273
303
314
Depreciation Expense
156
317
579
249
754
2,012
1,550
-140
207
48
4,359
1,861
3,322
4,017
Net Income, GAAP
33.55
31.73
33.8
34.08
35.44
36.2
26.77
- -
39.44
8.16
25.21
21.06
23.11
23.42
Effective Tax Rate (%)
8.16
9.85
10.49
3.11
7.86
16.63
13.52
-1.17
1.65
0.38
23.43
8.37
13.82
15.43
Profit Margin (%)
3,854
4,804
9,637
16,585
14,355
23,589
13,776
12,884
13,194
7,276
22,694
23,692
26,633
- -
Working Capital
3,288
8,117
13,335
20,393
22,663
24,012
28,366
29,127
24,787
27,628
42,953
42,469
55,800
- -
LT Debt
1,444
1,995
3,240
4,531
8,868
11,494
14,487
14,862
15,819
16,281
24,008
25,429
28,675
- -
Total Equity
- -
4.13
4.07
1.3
0.58
2.26
1.08
- -
-0.3
-0.7
4.08
1.05
1.63
- -
Return on Invested Capital (%)
- -
18.37
16.28
7.32
5.63
3.22
2.33
- -
0.28
0.08
4.9
1.74
2.66
- -
Return on Capital (%)
- -
17.93
21.91
6.63
11.76
20.05
11.93
-0.95
1.35
0.3
21.64
7.53
12.29
- -
Return on Common Equity (%)

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
54,114
- -
LT Borrowings
- -
55,800
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
110
110
110
Market Capitalization
15,789
15,431
27,035

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
85,276
- -
Cash, Cash Equivalents & STI
- -
22,371
- -
Accounts Receivable, Net
- -
81
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
58,644
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
54,114
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
26.93%
15.1%
12.77%
Free Cash Flow
-24.28%
-82.3%
71.88%
Net Income, GAAP
883.46%
1,730.74%
78.47%
Sales/Revenue/Turnover
17.01%
16.1%
8.07%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
5,845
5,851
5,723
5,919
22,241
2026
6,202
- -
6,209
6,398
24,037
2027
7,228
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
9.57
4.06
1.3
1.99
16.92
2026
4.1
- -
6.54
14.73
30.2
2027
11.15
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
2027
- -
- -
- -
- -
- -
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Business
Satin Creditcare Network Limited operates as a prominent Non-Banking Financial Company – Microfinance Institution (NBFC-MFI) across India, dedicated to fostering financial inclusion. Its core offerings primarily include collateral-free microcredit for income-generating activities, specifically targeting economically active women in rural, semi-urban, and urban regions. These essential funds support ventures in agriculture, transportation, trading, and various production-related businesses. Beyond microfinance, the institution delivers a diversified suite of financial solutions through its subsidiaries. These encompass loans for water, sanitation, and clean energy initiatives, along with financing for consumer durables and two-wheelers. The company also extends credit to Micro, Small, and Medium Enterprises (MSMEs) and provides affordable housing finance products, including long-term loans for home construction, purchase, and renovation. Established in 1990 and headquartered in Gurugram, India, Satin Creditcare Network Limited has significantly expanded its footprint, operating through a robust network of 1,568 branches across numerous states and union territories. As of March 2025, the company serves over 3.4 million active clients and manages an Assets Under Management (AUM) exceeding INR 12,000 Crores. In a move reflecting its commitment to innovation, the company incorporated Satin Technologies Limited in August 2024, a subsidiary focused on developing advanced digital solutions. Additionally, in March 2025, it successfully secured its first syndicated social term loan of USD 100 million via External Commercial Borrowing, further enhancing its funding capabilities and reach.