Price
Financials
Consolidated, Rs crore| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 538 | 596 | 642 | 633 | 657 | 684 | 615 | 703 | 788 | 740 | 920 | 762 |
| Interest | 217 | 247 | 252 | 251 | 266 | 268 | 264 | 297 | 344 | 289 | 381 | 251 |
| Expenses | 173 | 192 | 217 | 237 | 323 | 398 | 327 | 346 | 373 | 355 | 320 | 345 |
| Financing Profit | 148 | 156 | 173 | 145 | 68 | 19 | 24 | 60 | 71 | 96 | 218 | 167 |
| Financing Margin % | 28% | 26% | 27% | 23% | 10% | 3% | 4% | 8% | 9% | 13% | 24% | 22% |
| Other Income | 1 | 1 | 5 | 2 | 1 | 4 | 1 | 5 | 5 | 5 | 3 | 3 |
| Depreciation | 6 | 6 | 6 | 6 | 7 | 7 | 8 | 6 | 7 | 8 | 9 | 8 |
| Profit before tax | 143 | 151 | 171 | 141 | 62 | 15 | 18 | 58 | 69 | 93 | 212 | 161 |
| Tax % | 25% | 25% | 25% | 25% | 27% | 5% | -20% | 22% | 23% | 23% | 24% | 24% |
| Net Profit | 107 | 113 | 128 | 105 | 45 | 14 | 22 | 45 | 53 | 72 | 162 | 123 |
| EPS in Rs | 10.72 | 10.24 | 11.61 | 9.53 | 4.05 | 1.29 | 1.98 | 4.08 | 4.81 | 6.51 | 14.67 | 11.10 |
| Gross NPA % | ||||||||||||
| Net NPA % |
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 801 | 1,031 | 1,443 | 1,500 | 1,377 | 1,378 | 1,549 | 2,234 | 2,572 | 3,143 | 3,209 |
| Interest | 436 | 536 | 646 | 589 | 638 | 631 | 617 | 901 | 1,049 | 1,311 | 1,265 |
| Expenses | 322 | 365 | 471 | 685 | 737 | 700 | 911 | 733 | 1,267 | 1,387 | 1,393 |
| Financing Profit | 44 | 130 | 326 | 225 | 2 | 47 | 22 | 599 | 257 | 445 | 551 |
| Financing Margin % | 5% | 13% | 23% | 15% | 0% | 3% | 1% | 27% | 10% | 14% | 17% |
| Other Income | 0 | 0 | 3 | 4 | 3 | 3 | 2 | 6 | 6 | 18 | 16 |
| Depreciation | 6 | 15 | 13 | 18 | 15 | 16 | 18 | 23 | 27 | 30 | 32 |
| Profit before tax | 38 | 116 | 316 | 212 | -10 | 34 | 5 | 583 | 236 | 432 | 535 |
| Tax % | 34% | 35% | 36% | 27% | 43% | 39% | 8% | 25% | 21% | 23% | |
| Net Profit | 25 | 75 | 201 | 155 | -14 | 21 | 5 | 436 | 186 | 332 | 410 |
| EPS in Rs | 4.78 | 11.43 | 29.72 | 21.52 | -1.94 | 2.76 | 0.56 | 39.46 | 16.85 | 30.07 | 37.09 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| 10 Years | 5 Years | 3 Years | TTM | 1 Year | Last Year | |
|---|---|---|---|---|---|---|
| Compounded Sales Growth | % | 18% | 27% | 21% | ||
| Compounded Profit Growth | % | 91% | 313% | 225% | ||
| Stock Price CAGR | -8% | 25% | 1% | 62% | ||
| Return on Equity | 9% | 9% | 13% | 12% |
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 37 | 47 | 49 | 52 | 66 | 75 | 85 | 110 | 110 | 110 |
| Reserves | 600 | 838 | 1,101 | 1,397 | 1,420 | 1,507 | 1,543 | 2,291 | 2,433 | 2,753 |
| Borrowing | 3,889 | 5,161 | 5,271 | 5,542 | 6,181 | 5,744 | 5,911 | 7,915 | 8,791 | 10,991 |
| Other Liabilities | 251 | 253 | 321 | 309 | 377 | 330 | 310 | 174 | 253 | 523 |
| Total Liabilities | 4,778 | 6,299 | 6,741 | 7,300 | 8,045 | 7,655 | 7,850 | 10,490 | 11,587 | 14,378 |
| Fixed Assets | 73 | 75 | 81 | 94 | 131 | 126 | 129 | 133 | 137 | 154 |
| CWIP | 12 | 16 | 16 | 34 | 4 | 0 | 0 | 0 | 0 | 12 |
| Investments | 21 | 72 | 264 | 246 | 1 | 49 | 62 | 56 | 55 | 151 |
| Other Assets | 4,672 | 6,136 | 6,380 | 6,926 | 7,909 | 7,481 | 7,659 | 10,301 | 11,395 | 14,060 |
| Total Assets | 4,778 | 6,299 | 6,741 | 7,300 | 8,045 | 7,655 | 7,850 | 10,490 | 11,587 | 14,378 |
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity | -966 | -1,541 | 611 | -225 | -945 | 336 | -956 | -2,069 | -563 | -974 |
| Cash from Investing Activity | -36 | -55 | -187 | 56 | 226 | -51 | -73 | -28 | -45 | -123 |
| Cash from Financing Activity | 1,398 | 1,394 | 88 | 243 | 734 | -442 | 390 | 2,263 | 914 | 1,873 |
| Net Cash Flow | 395 | -203 | 512 | 73 | 15 | -157 | -639 | 166 | 305 | 777 |
| Free Cash Flow | -1,003 | -1,562 | 592 | -204 | -965 | 331 | -966 | -2,081 | -582 | -1,002 |
| CFO/OP | -196% | -230% | 70% | -19% | -146% | 56% | -144% | -136% | -37% | -54% |
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 4% | 10% | 20% | 12% | -1% | 1% | 0% | 22% | 8% | 12% |
| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoters | 39.98% | 36.06% | 36.17% | 36.17% | 36.17% | 36.17% | 36.17% | 36.17% | 36.17% | 36.17% | 36.17% | 36.17% |
| FIIs | 6.93% | 9.58% | 6.67% | 7.14% | 6.09% | 4.83% | 4.52% | 4.32% | 3.90% | 3.55% | 3.52% | 4.88% |
| DIIs | 3.95% | 8.27% | 6.92% | 7.04% | 6.59% | 6.11% | 6.35% | 7.15% | 5.18% | 5.18% | 5.30% | 6.32% |
| Public | 48.65% | 45.66% | 49.81% | 49.21% | 50.70% | 52.45% | 52.53% | 51.92% | 54.30% | 54.67% | 54.58% | 52.23% |
| Others | 0.48% | 0.44% | 0.44% | 0.44% | 0.44% | 0.44% | 0.44% | 0.44% | 0.44% | 0.44% | 0.44% | 0.38% |
| No. of Shareholders | 23,527 | 28,795 | 44,333 | 41,951 | 50,610 | 52,490 | 50,129 | 49,904 | 48,704 | 46,944 | 44,277 | 37,727 |
Fundamentals
Market Cap₹ 2,631 Cr.
Current Price₹ 238
Stock P/E6.42
Book Value₹ 259
ROCE13.8 %
ROE12.3 %
Dividend Yield0.00 %
Face Value₹ 10.0
Compounded Sales Growth (TTM)21%
Compounded Profit Growth (TTM)225%
Consolidated figures.
Valuation
Market capRs 2,516 Cr
Enterprise valueRs 11,256 Cr
P/E (TTM)6.14x
Price to book0.88x
Price to sales0.78x
EV / EBITDA6.14x
EV / EBIT6.25x
EV / sales3.51x
Earnings yield16.29%
P/E, 3-year average6.15x
P/B, 3-year average0.71x
P/E, 5-year average56.02x
P/B, 5-year average0.65x
Profitability
Operating margin (excl. other income)55.87%
Operating margin (incl. other income)56.43%
EBITDA margin57.10%
Pre-tax margin16.68%
Net profit margin12.77%
Net margin, latest quarter16.10%
ROE12.29%
ROCE13.84%
ROA2.56%
ROE, 3-year average13.82%
ROCE, 3-year average14.11%
ROA, 3-year average3.00%
ROE, 5-year average8.62%
ROCE, 5-year average11.91%
ROA, 5-year average1.86%
ROIC (approx.)11.93%
Tax rate23.11%
Other income / net worth0.61%
Growth
Sales growth (latest year)22.21%
Profit growth (latest year)78.47%
Sales CAGR, 3 years26.60%
Sales CAGR, 5 years17.95%
Profit CAGR, 3 years310.28%
Sales growth QoQ-17.11%
Profit growth QoQ-24.29%
Sales growth YoY (latest quarter)8.39%
Profit growth YoY (latest quarter)172.00%
Per share
EPS (TTM)Rs 37.05
EPS (latest year)Rs 30.04
EPS (latest quarter)Rs 11.09
EPS, 3-year averageRs 28.83
EPS, 5-year averageRs 17.97
Book value per shareRs 258.91
Sales per shareRs 290.19
Cash flow per shareRs -88.05
Free cash flow per shareRs -90.60
Efficiency
Asset turnover0.22x
Fixed asset turnover20.35x
Debtor days1 days
Debtors turnover386.15x
Leverage
Total debtRs 10,991 Cr
Cash and bankRs 2,251 Cr
Net debtRs 8,740 Cr
Debt to equity3.84x
Net debt / EBITDA4.77x
Interest coverage1.42x
Owners' fund to total sources19.92%
Debt to assets76.45%
Cash flow
Cash from Operating Activity (latest year)Rs -974 Cr
Cash from Investing Activity (latest year)Rs -123 Cr
Cash from Financing Activity (latest year)Rs 1,873 Cr
Net Cash Flow (latest year)Rs 777 Cr
Free cash flow (latest year)Rs -1,002 Cr
FCFE (approx.: FCF + change in debt)Rs 1,198 Cr
Cash from ops / profit, 5 years-4.31x
Statement figures
Net sales (TTM)Rs 3,209 Cr
Net sales (latest year)Rs 3,143 Cr
Sales (latest quarter)Rs 762 Cr
Operating profit excl. other income (latest year)Rs 1,756 Cr
Operating profit (latest quarter)Rs 417 Cr
Other income (TTM)Rs 16 Cr
EBITDA (TTM)Rs 1,832 Cr
PBDT (TTM)Rs 567 Cr
Profit before tax (TTM)Rs 535 Cr
Tax (latest year)Rs 100 Cr
Net profit (TTM)Rs 410 Cr
Net profit (latest year)Rs 332 Cr
Net profit (latest quarter)Rs 123 Cr
Depreciation (TTM)Rs 32 Cr
Depreciation (latest quarter)Rs 8 Cr
Interest (TTM)Rs 1,265 Cr
Cost of goods sold (latest year)Rs 13 Cr
Total expenditure (latest year)Rs 1,387 Cr
Total income (latest year)Rs 3,161 Cr
Share capitalRs 110 Cr
ReservesRs 2,753 Cr
Shareholders' fundsRs 2,863 Cr
Total assetsRs 14,378 Cr
Net blockRs 154 Cr
Capital work in progressRs 12 Cr
InvestmentsRs 151 Cr
ReceivablesRs 8 Cr
Other liabilitiesRs 523 Cr
Shares outstanding (crore)11.06
Ownership
Promoter holding36.17% (+0.00 in a year)
Computed by MarketFriction from the consolidated statements. Returns use average balances.
P/E 6.1 is at the 27th percentile of its own 7.5-year range
(median 12.7, low 2.8, high 395.6).
P/B 0.88 is at the 44th percentile (median 0.93).
Monthly. Market cap from split-adjusted price; profit and book value as reported by that month. A low percentile means cheap versus its own history, not cheap versus peers.
| Period | SATIN | Nifty 50 | Difference |
|---|---|---|---|
| 1 week | +0.6% | -2.8% | +3.4 pts |
| 1 month | +4.7% | -6.8% | +11.5 pts |
| 3 months | -10.7% | -7.6% | -3.1 pts |
| 6 months | +62.6% | +0.4% | +62.2 pts |
| 1 year | +56.8% | -9.9% | +66.7 pts |
| 2 years | +11.5% | -13.6% | +25.0 pts |
| 3 years | -0.8% | +14.2% | -15.0 pts |
| 5 years | +189.8% | +27.9% | +161.9 pts |
1 mutual fund schemes hold about ₹42 Cr.
Over three months 0 bought more and 1 sold (share counts, price move removed).
| Fund | Weight | Est. Cr | 3m shares |
|---|---|---|---|
| Bandhan Small Cap Fund | 0.12% | 42 | -20% |
Red flags
F-score 4 of 8| explain | Weak cash conversion Cash from operations was -378% of net profit over the last 3 years |
| explain | Share dilution Share count up 0% in a year, 30% in three |
| explain | Low interest cover Interest cover 1.3x in 2026 |
Checks on the latest reported years: cash vs profit, accruals, receivables and inventory vs sales, dilution, debt, interest cover, equity, other income, losses, and auditor, top-management, insolvency and regulator filings in the last 12 months. A flag asks for an explanation; it is not a verdict.
Latest quarter
Jun 2026Revenue ₹762 Cr +8.4% vs Jun 2025.
Net profit ₹123 Cr +173.3%.
Activity
Compare| Company | Mcap (Cr) | P/E | ROCE |
|---|---|---|---|
| CreditAccess Grameen Ltd | 19,520 | 16.1 | 9.98 % |
| Muthoot Microfin Ltd | 3,027 | 12.3 | 9.31 % |
| Fusion Finance Ltd | 2,802 | 16.6 | 5.92 % |
| Spandana Sphoorty Financial Ltd | 2,008 | -5.78 % |
No bulk or block deals on record.
| Ex-date | Action | Factor |
|---|---|---|
| 2020-08-04 | Rights 48:125 @ Premium Rs 50/- | |
| 2020-07-28 | Annual General Meeting | |
| 2019-06-27 | Annual General Meeting | |
| 2018-06-28 | Annual General Meeting | |
| 2017-06-28 | Annual General Meeting | |
| 2016-07-21 | Annual General Meeting |
Company filings to NSE, newest first. Routine notices (trading window, newspaper copies) are left out. Click a row for the filing.
| Trade date | Shares sold short |
|---|---|
| 2026-09-29 | 90 |
Short sales disclosed by brokers to NSE, by trade date. Collected since late September 2026.
Not on any NSE surveillance list in the latest file.
Quick answers
What is the market cap of Satin Creditcare Network Ltd?
Satin Creditcare Network Ltd (SATIN) has a market capitalisation of Rs 2,631 Cr. at the 2026-10-01 close.
What is the P/E ratio of Satin Creditcare Network Ltd?
Satin Creditcare Network Ltd trades at a P/E of 6.42 on trailing twelve-month profit, at the 2026-10-01 close.
What were Satin Creditcare Network Ltd's latest quarterly results?
In the Jun 2026 quarter, Satin Creditcare Network Ltd revenue was Rs 762 Cr (+8.4% vs Jun 2025) and net profit was Rs 123 Cr.
What is the 52-week high and low of Satin Creditcare Network Ltd?
The 52-week high is Rs 274.14 and the 52-week low is Rs 135.81.