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Satin Creditcare Network Ltd

Satin Creditcare Network

Small Cap•11,363 Employees•IPO 2015
Current Price
₹144.04
-2.99 (-2.03%)Updated
NSE :SATIN
BSE :539404
Sector :Consumer Finance
Valuation vs Sector
P/E Ratio
8.46vs 18.54
P/B Ratio
0.62vs 2.09
Div Yield
0.00%vs 0.59%
Today's Range
143.15
₹144.04
indicator
147
52 Week Range
52W Low₹131.80
52W High₹175.90
₹144.04
indicator
Downside9.29%
Upside22.12%
chart iconChart

Price Chart

Compare with Peers

Historical Ratios

Track top 12 most important financial ratios

P/E Ratio: Price to Earnings - Most used valuation metric

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Analyzing Investment Quality

Processing 9 key metrics...

Key Metrics

Hover for details

Valuation

Market Cap
₹1,697.12 Cr
Market Cap
Total market value of company
P/E Ratio
8.84
P/E Ratio
Price to Earnings. Lower is generally better (<25 is good)
P/B Ratio
0.61
P/B Ratio
Price to Book Value. <3 may indicate undervaluation
EPS
₹17.46
EPS
Earnings Per Share. Higher and growing is positive

Profitability

ROE
2.91%
ROE
Return on Equity. >15% is good, >20% is excellent
ROCE
11.90%
ROCE
Return on Capital Employed. >15% is good
Net Margin
7.04%
Net Margin
Net profit as % of revenue. >10% is good
Operating Margin
-%
Operating Margin
Operating profit margin. >15% is good

Growth

EPS Growth (5Y)
-9.70%
EPS Growth (5Y)
5-year EPS growth. >15% is strong
Revenue Growth (5Y)
11.43%
Revenue Growth (5Y)
5-year revenue growth. >10% is good
Qtr Sales Growth
19.90%
Qtr Sales Growth
Quarter-over-quarter sales growth
Qtr Profit Growth
19.00%
Qtr Profit Growth
Quarter-over-quarter profit growth

Financial Health

Debt/Equity
3.46
Debt/Equity
Financial leverage. <1 is good, <0.5 is excellent
Book Value
₹231.19
Book Value
Net asset value per share
Dividend Yield
-%
Dividend Yield
Annual dividend as % of price. >2% is good
Promoter Holding
36.20%
Promoter Holding
Promoter stake. >50% shows confidence
Good
Average
Needs Attention

SWOT Analysis

Strengths

5 points
  • •Competitive P/E ratio of 13.00 suggests potential undervaluation for investors.
  • •Strong Operating Profit Margin (OPM) of 48.00% indicates efficient core operations.

Weaknesses

5 points
  • •High debt-to-equity ratio of 3.46 indicates substantial reliance on borrowed capital.
  • •Significant debt of ₹8791 crore poses considerable financial risk.

Opportunities

5 points
  • •Capitalize on growing demand for financial inclusion in underserved markets.
  • •Undervalued Price-to-Book (0.69) could attract value investors, driving appreciation.

Threats

5 points
  • •Substantial debt (₹8791 crore) makes company vulnerable to rising interest rates.
  • •Intense competition in Microfinance sector could lead to pricing pressures.

Segment-wise Financial Analysis

Fetching Financials...
Fetching Balance Sheet...
Fetching Cash Flow...

Shareholding Pattern

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Company Insider Trading Activity

No insider trading data available

Corporate Action

Company Announcements

Technical Analysis & Indicators

Standard pivot points - most widely used

Pivot Points (CLASSIC)

LevelPriceDistance% Change
R4₹154.01+₹9.97+6.92%
R3₹150.16+₹6.12+4.25%
R2₹148.58+₹4.54+3.15%
R1₹146.31+₹2.27+1.58%
PIVOT₹144.730.690.48%
CURRENT₹144.04--
S1₹134.76-₹9.28-6.44%
S2₹138.61-₹5.43-3.77%
S3₹140.88-₹3.16-2.19%
S4₹142.46-₹1.58-1.10%
CPR Levels
Support
Resistance
S4
S3
S2
S1
| CPR |
BC: N/AP: N/ATC: N/A
R1
R2
R3
R4
indicator
LTP: N/A
PDH: N/A
PDL: N/A
● Market Sentiment

is trading CPR, indicating

● CPR Width

CPR is

● Opening Range

Day's range: ~

● Price Position

Trading Inside opening range

Delivery Volume Analysis & Trading Activity

Latest Volume
1.76L
(13 Mar 2026)
+17.1% vs avg
Delivery %
71.9%
(13 Mar 2026)
+10.8% vs avg
Avg Volume (20D)
1.51L
(13 Feb - 13 Mar)
20-day average
Avg Delivery %
61.1%
(13 Feb - 13 Mar)
Trend ↓
Delivery % indicates the percentage of traded volume that resulted in actual delivery. Higher delivery % (>50%) suggests genuine buying interest and stronger hands.

Peer Comparison & Industry Benchmarking

Quick Compare

Largest by Market Cap
Bajaj Finance Ltd
6.31L ₹ Cr
Best Profit Growth
Manba Finance Ltd
88.20 %
Highest Dividend Yield
Repco Home Finance Ltd
1.59 %

Peer Comparison

Company Name
ARMANFIN
Arman Financial Services Ltd
BAJFINANCE
Bajaj Finance Ltd
FUSION
Fusion Finance Ltd
INDOSTAR
Indostar Capital Finance Ltd
LAXMIINDIA
MANBA
Manba Finance Ltd
PAISALO
Paisalo Digital Ltd
REPCOHOME
Repco Home Finance Ltd
SPANDANA
Spandana Sphoorty Financial Ltd

About

SATIN

Satin Creditcare Network Ltd

Satin Creditcare Network Limited (SCNL) is a non-banking finance company (NBFC) operating primarily in India, specializing in microfinance services. Its core business focuses on providing microcredit to economically active women across rural, semi-urban, and urban areas. This microcredit facilitates various income-generating activities, significantly contributing to the financial empowerment of women in underserved communities.

The company's loan portfolio is diverse, catering to a wide range of needs. Beyond basic microcredit, SCNL offers loans tailored to specific income-generating purposes. This includes financing for agricultural activities, transportation, trading businesses, and various production-related enterprises. They also provide specialized loans targeting crucial sectors such as water and sanitation, clean energy, and improved transportation infrastructure. This diversified approach allows them to reach a broad spectrum of clients with varied financial requirements.

SCNL extends its services beyond core microfinance, offering financing solutions for the acquisition of assets that support small businesses and individual livelihoods. This includes loans for solar energy installations, bicycles, home appliances, and mobile phones. This strategy aims to further stimulate economic activity and improve the overall quality of life for its clientele.

Furthermore, SCNL caters to the micro, small, and medium enterprise (MSME) sector, providing loans to a broad range of businesses. This encompasses traders, retail and wholesale merchants, manufacturers, service providers, self-employed professionals, educational ventures, and agribusinesses. The inclusion of housing loans further demonstrates SCNL's commitment to providing comprehensive financial solutions to a diverse client base, contributing to overall economic growth and development.

In summary, Satin Creditcare Network Limited's business model centers around providing a broad spectrum of financial services, primarily microfinance, to individuals and businesses across various sectors in India. Their focus on economically active women and the MSME sector reflects a commitment to fostering economic growth and financial inclusion within the country.

COMPANY FACTS - SATIN

Registered Address

Plot No. 492, Udyog Vihar, Phase-III

Gurgaon

HARYANA

IN

Tel: 910244715400

Website:https://satincreditcare.com/

Investor Relations:http://satincreditcare.com/investor-relations-satin-creditcare/annual-report/
Company Details

Group: Financial Services

Sector: Financials

Industry: Consumer Finance

Exchange: NATIONAL STOCK EXCHANGE OF INDIA

Employees: 11,363

IPO Date: 26/08/2015

MANAGEMENT - SATIN

Mr. Harvinder Singh

Chairman of the Board, Managing Director

Mr. Manoj Agrawal

Chief Financial Officer

Mr. Vikas Gupta

Whole Time Company Secretary and Compliance Officer

Mr. Dhiraj Jha

Chief Risk Officer

Mr. Jugal Kataria

Group Controller

Mr. Satvinder Singh

Non-Executive Director

Mr. Sanjay Bhatia

Non-Executive Independent Director

Mr. Goh Colin

Non-Executive Independent Director

Mr. Anil Kalra

Non-Executive Independent Director

Ms. Sangeeta Khorana

Non-Executive Independent Director

Mr. Sundeep Mehta

Non-Executive Independent Director

Ms. Aditi Singh

Head – Investor Relations and Corporate Communications

Investor Questions Answered

Satin Creditcare Network Ltd (SATIN) Stock FAQs

Get answers to the most common questions about Satin Creditcare Network Ltd stock price, fundamentals, financial metrics, and investment analysis

The current share price of Satin Creditcare Network Ltd (SATIN) is ₹144.04. Today, the stock has declined by ₹2.99 (2.03%), trading in a range of ₹143.15 to ₹147. The stock opened at ₹146.01 with a trading volume of 1,76,420 shares.
Satin Creditcare Network Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹1,697.12 crores, P/E ratio of 8.84, ROE of 2.91%, and ROCE of 11.90%. The dividend yield stands at 0.00%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
The 52-week high price of Satin Creditcare Network Ltd (SATIN) is ₹175.9, while the 52-week low is ₹131.8. Currently trading at ₹144.04, the stock is 27.8% away from its 52-week low and 18.1% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
Whether to buy Satin Creditcare Network Ltd stock at ₹144.04 depends on multiple factors. The stock is currently trading with a P/E ratio of 8.84 and P/B ratio of N/A. Today's performance shows a loss of 2.03%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
Satin Creditcare Network Ltd offers a dividend yield of 0.00%, which means for every ₹100 invested at the current price of ₹144.04, you can expect to receive approximately ₹0.00 annually as dividends. The face value of the stock is ₹10.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
Satin Creditcare Network Ltd's key financial metrics include: P/E Ratio: 8.84, P/B Ratio: N/A, ROE: 2.91%, ROCE: 11.90%, Dividend Yield: 0.00%, EPS: ₹17.46, Book Value: ₹231.19, Debt-to-Equity: 3.46, and Current Ratio: N/A. The company's market cap stands at ₹1,697.12 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
Satin Creditcare Network Ltd stock opened at ₹146.01 and is currently trading at ₹144.04, showing a decline of ₹2.99 (2.03%). The intraday high is ₹147 and low is ₹143.15. The trading volume stands at 1,76,420 shares, indicating moderate market participation today.
Satin Creditcare Network Ltd has a Price-to-Earnings (P/E) ratio of 8.84, which means investors are willing to pay ₹8.84 for every ₹1 of earnings. With an EPS of ₹17.46, this P/E ratio suggests the stock may be undervalued or facing growth challenges. Compare this with industry peers and historical P/E ratios for better context.
Satin Creditcare Network Ltd has a market capitalization of ₹1,697.12 crores, making it a small-cap company. Market cap is calculated by multiplying the current stock price (₹144.04) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.
Satin Creditcare Network Ltd has a book value of ₹231.19 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹144.04, which is 37.7% below the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.
Satin Creditcare Network Ltd has a Return on Equity (ROE) of 2.91% and Return on Capital Employed (ROCE) of 11.90%. ROE measures how efficiently the company generates profits from shareholders' equity, while ROCE indicates how well the company uses its capital to generate profits. These returns may need improvement for better profitability. Higher percentages generally indicate better financial performance.
Satin Creditcare Network Ltd operates in the diversified sector and belongs to the general industry. The company competes with other players in this space and its performance is influenced by sector-specific trends, regulatory changes, and market dynamics. Understanding the sector helps investors assess growth potential, cyclical patterns, and industry-specific risks that may impact the stock's performance.
Satin Creditcare Network Ltd has a debt-to-equity ratio of 3.46, which measures the company's financial leverage by comparing total debt to shareholders' equity. A ratio above 2 indicates high leverage and potentially higher financial risk. Lower ratios generally indicate lower financial risk, but optimal levels vary by industry.
Satin Creditcare Network Ltd has an Earnings Per Share (EPS) of ₹17.46, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹144.04 and P/E ratio of 8.84, investors are paying 8.84 times the annual earnings per share. The company may need to improve its earnings performance. Track EPS growth over quarters to assess earnings momentum.
Satin Creditcare Network Ltd has reported a sales growth of N/A% and profit growth of N/A%. The company may be facing growth challenges or operating in a mature market. Consistent growth over multiple quarters is a positive indicator for long-term investors. Compare these growth rates with industry peers for better perspective.
Satin Creditcare Network Ltd has a current ratio of N/A, which measures the company's ability to pay short-term obligations with current assets. A ratio below 1 may indicate potential liquidity concerns. This metric is crucial for assessing the company's working capital management and financial safety.
To analyze Satin Creditcare Network Ltd stock, consider: 1) Fundamental Analysis - Review P/E (8.84), ROE (2.91%), debt-to-equity (3.46), and growth rates. 2) Technical Analysis - Check 52-week range (₹131.80 - ₹175.90), moving averages, and chart patterns. 3) Valuation - Compare current price (₹144.04) with book value (₹231.19) and industry peers. 4) Financial Health - Assess current ratio (N/A) and cash flows. 5) Growth Prospects - Evaluate sales growth (N/A%) and profit growth (N/A%). Always diversify and consult a financial advisor.
The face value (or par value) of Satin Creditcare Network Ltd share is ₹10.00. Face value is the nominal value of a share as stated in the company's charter and is used for accounting purposes and calculating dividends. The current market price of ₹144.04 is 1340x the face value. Face value remains constant unless the company undergoes a stock split or bonus issue, while market price fluctuates based on demand and supply.
Investing in Satin Creditcare Network Ltd carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹131.80 - ₹175.90). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 3.46 indicates leverage. 4) Liquidity Risk - Based on trading volume of 1,76,420 shares. 5) Valuation Risk - P/E of 8.84 may indicate over/undervaluation. 6) Economic Risk - Macroeconomic factors affecting the industry. Diversify your portfolio and invest only what you can afford to lose.
Satin Creditcare Network Ltd operates in the industry with key metrics: P/E ratio of 8.84, ROE of 2.91%, market cap of ₹1,697.12 crores, and dividend yield of 0.00%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 3.46), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.
Target prices for Satin Creditcare Network Ltd vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹144.04, with a 52-week range of ₹131.80 to ₹175.90. Based on fundamentals like P/E (8.84), ROE (2.91%), and growth rates, analysts may have different target prices. Always refer to recent research reports from reputed brokerages and make decisions based on your own analysis and risk appetite.
Consider selling Satin Creditcare Network Ltd stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹144.04. 2) Fundamental Deterioration - Declining ROE (currently 2.91%), increasing debt (D/E: 3.46), or falling growth rates. 3) Better Opportunities - Finding stocks with superior risk-reward ratios. 4) Portfolio Rebalancing - When the stock becomes overweight in your portfolio. 5) Changed Investment Thesis - If reasons for buying no longer hold. 6) Stop Loss - If price falls below your risk threshold. Always base decisions on thorough analysis rather than emotions.
Tax implications for Satin Creditcare Network Ltd stock investments: 1) Short-term Capital Gains (STCG) - If sold within 1 year, gains taxed at 15% plus cess. 2) Long-term Capital Gains (LTCG) - If held over 1 year, gains above ₹1 lakh taxed at 10% without indexation. 3) Dividend Income - Dividends (current yield: 0.00%) are taxable as per your income tax slab. 4) Securities Transaction Tax (STT) - Applicable on both buy and sell transactions. 5) Intraday Trading - Treated as speculative income, taxed as per slab. Tax laws change periodically, so consult a tax advisor for personalized guidance and latest regulations.