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    Financial - Credit Services
Satin Creditcare Network Limited

Satin Creditcare Network Limited

SATIN.NS
Satin Creditcare Network LimitedIN flagNational Stock Exchange of India
235.25
INR
+4.13
- -
25.87BMarket Cap
Satin Creditcare Network Limited
SATIN.NS
(National Stock Exchange of India)

Recent

price

235.25

P/E

ratio

- -

div

yld

- -

ROIC.AI

2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
FRC
78.73
119.08
182.94
218.47
213.09
234.62
213.2
192.15
179.38
162.93
189.22
210.59
- -
216.02
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
- -
11.46
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
-53.02
- -
- -
Free Cash Flow per Basic Share
- -
- -
- -
0.17
0.65
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
21.16
28.99
40.24
-13.61
7.66
38.6
60.56
52.67
46.25
36.07
66.71
69.21
- -
- -
Book Value per Share
59.61
73.59
106.59
105.93
182.63
215.93
262.45
233.78
221.19
203.58
240.69
228.05
- -
- -
Tangible Book Value per Share
24
27
30
37
45
52
54
62
70
78
98
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
23,166
24,907
23,751
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
22.36
19.1
19.38
Operating Margin (%)
7
20
29
61
147
125
175
151
157
184
227
273
303
278
Depreciation Expense
156
317
579
249
754
2,012
1,550
-140
207
48
4,359
1,861
3,322
1,259
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
17.59
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
8.03
13.34
5.3
Profit Margin (%)
3,854
4,804
9,637
16,585
14,355
23,589
13,776
12,884
13,194
7,276
22,694
22,110
136,580
- -
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
109,915
- -
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
- -
20.19
18.15
1.3
1.13
2.83
3.41
- -
1.4
4.32
5.41
3.78
2.9
- -
Return on Invested Capital (%)
- -
21.35
18.37
8.19
6.42
3.76
2.76
- -
0.34
0.1
5.93
2.08
3.22
4.93
Return on Capital (%)
- -
47.58
57.39
- -
- -
172.36
59.09
-4.29
6.37
1.59
92.96
26.27
76.24
- -
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'25
Mar'25
Jun'26
ST Debt
- -
45,446
- -
LT Borrowings
- -
42,469
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
- -
110
- -
Market Capitalization
16,544
15,721
18,655

Working Capital

FRC

•

in mil. unless spec.
Dec'25
Mar'25
Jun'26
Total Current Assets
- -
69,945
- -
Cash, Cash Equivalents & STI
- -
12,787
- -
Accounts Receivable, Net
- -
20
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
47,835
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
45,446
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

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
17.45%
16.98%
7.52%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
4,259
4,582
5,144
4,617
18,602
2025
5,845
5,851
5,723
5,919
23,166
2026
6,257
6,209
6,398
- -
24,907

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
10.23
10.99
11.23
- -
44.34
2025
9.57
4.06
1.3
1.99
16.92
2026
4.1
6.54
14.73
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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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.