Satin Creditcare Network Ltd (IN:SATIN)
:SATIN
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Satin Creditcare Network Ltd
(SATIN)
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Rating:63Neutral
Price Target:
₹194.00
▲(29.85% Upside)
Action:ReiteratedDate:10/22/25
The overall stock score of 63 reflects a moderate outlook for Satin Creditcare Network Ltd. The financial performance shows areas of concern, particularly with cash flow and leverage, which are significant risks. However, the technical analysis indicates a neutral to slightly positive trend, and the valuation suggests the stock is reasonably priced. The absence of earnings call and corporate events data limits further insights.
Positive Factors
Niche microfinance focus
Satin’s core model targets underserved, largely female borrowers in rural and semi-urban areas via group and individual lending. That customer niche delivers durable demand, deep distribution advantages and stickier relationships versus general retail lending, supporting steady loan origination over months.
Negative Factors
High and rising leverage
Debt-to-equity rising above 3x signals heavy reliance on external funding. High leverage reduces financial flexibility, amplifies refinancing and interest-rate risks, and constrains the firm’s ability to grow the loan book or absorb credit losses without raising more capital in the coming months.
Read all positive and negative factors
Positive Factors
Negative Factors
Niche microfinance focus
Satin’s core model targets underserved, largely female borrowers in rural and semi-urban areas via group and individual lending. That customer niche delivers durable demand, deep distribution advantages and stickier relationships versus general retail lending, supporting steady loan origination over months.
Read all positive factors
Satin Creditcare Network Ltd (SATIN) vs. iShares MSCI India ETF (INDA)
Market Cap
₹18.93B
Dividend YieldN/A
Average Volume (3M)6.17K
Price to Earnings (P/E)5.5
Beta (1Y)0.97
Revenue Growth9.71%
EPS Growth-34.33%
CountryIN
Employees11,363
SectorServices
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)6.54
Shares Outstanding110,470,960
10 Day Avg. Volume5,100
30 Day Avg. Volume6,171
Financial Highlights & Ratios
PEG Ratio-0.14
Price to Book (P/B)0.65
Price to Sales (P/S)0.73
P/FCF Ratio-2.82
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)33.1
Revenue Forecast (FY)₹20.15B
Satin Creditcare Network Ltd Business Overview & Revenue Model
Company Description
Satin Creditcare Network Limited, a non-banking finance company, provides micro finance services in India. The company provides microcredit to economically active women in rural, semi-urban, and urban areas; loans for income generating purposes, s...
How the Company Makes Money
SATIN makes money primarily by earning interest income and related fees from its loan portfolio. The core revenue stream is the spread between (1) the interest it charges borrowers on microfinance and other small-ticket loans and (2) its cost of f...
Satin Creditcare Network Ltd Financial Statement Overview
Summary
Income Statement
65
Positive
Balance Sheet
60
Neutral
Cash Flow
45
Neutral
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 24.96B | 22.47B | 18.60B | 12.75B | 12.54B | 11.91B |
| Gross Profit | 8.96B | 6.72B | 5.57B | 3.10B | 2.72B | 2.47B |
| EBITDA | 3.03B | 2.66B | 6.08B | 250.45M | 511.67M | 64.23M |
| Net Income | 1.34B | 1.86B | 4.36B | 48.13M | 206.99M | -139.82M |
Balance Sheet | ||||||
| Total Assets | 128.51B | 115.87B | 104.85B | 78.50B | 76.55B | 80.45B |
| Cash, Cash Equivalents and Short-Term Investments | 25.70B | 12.79B | 10.80B | 8.52B | 18.22B | 18.32B |
| Total Debt | 96.40B | 87.91B | 79.10B | 59.11B | 57.44B | 61.81B |
| Total Liabilities | 102.30B | 90.44B | 80.84B | 62.21B | 60.73B | 65.59B |
| Stockholders Equity | 26.21B | 25.43B | 24.01B | 16.28B | 15.82B | 14.86B |
Cash Flow | ||||||
| Free Cash Flow | 7.22B | -5.83B | -20.82B | -9.66B | 3.30B | -9.65B |
| Operating Cash Flow | 7.32B | -5.63B | -20.69B | -9.56B | 3.36B | -9.45B |
| Investing Cash Flow | -2.79B | -453.89M | -282.29M | -728.98M | -507.98M | 2.26B |
| Financing Cash Flow | 7.03B | 9.14B | 22.63B | 3.90B | -4.42B | 7.34B |
Satin Creditcare Network Ltd Technical Analysis
Positive
149.40
Price Trends
152.23
Positive
149.76
Positive
149.89
Positive
Market Momentum
4.26
Negative
75.86
Negative
79.60
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:SATIN, the sentiment is Positive. The current price of 149.4 is below the 20-day moving average (MA) of 150.70, below the 50-day MA of 152.23, and below the 200-day MA of 149.89, indicating a bullish trend. The MACD of 4.26 indicates Negative momentum. The RSI at 75.86 is Negative, neither overbought nor oversold. The STOCH value of 79.60 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:SATIN.
Satin Creditcare Network Ltd Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | ₹10.55B | 52.61 | ― | 1.42% | 15.01% | 115.88% | |
66 Neutral | ₹20.36B | 71.53 | ― | ― | 25.92% | -5.90% | |
63 Neutral | ₹18.93B | 5.50 | ― | ― | 9.71% | -34.33% | |
55 Neutral | $13.29B | 17.42 | 10.03% | 0.93% | 7.13% | -12.93% | |
52 Neutral | ₹11.92B | 25.32 | ― | ― | 9.08% | -80.14% | |
44 Neutral | ₹14.03B | -65.93 | ― | ― | 28.85% | -101.55% | |
40 Underperform | ₹3.60B | -251.05 | ― | ― | -14.41% | 98.70% |
* Services Sector Average
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Satin Creditcare Network Ltd Corporate Events
Satin Creditcare Subsidiary Launches ₹200 Crore Women-Led Impact AIF
Apr 15, 2026
Satin Growth Alternatives Limited, a wholly owned subsidiary of Satin Creditcare Network Limited, has received SEBI registration and launched SGAL-Scheme 1, a ₹200 crore Category II AIF targeting inclusion, sustainability, and impact-focused...
Satin Finserv Posts Transformational FY26 With Rapid Growth and Capital Boost
Apr 3, 2026
Satin Finserv Limited, the wholly owned subsidiary of Satin Creditcare Network Ltd, reported a transformational FY26 marked by strong growth in assets and disbursements alongside significant operational expansion. The company crossed Rs 1,000 cror...
Satin Creditcare Names New Chief Audit Officer as Veteran Retires
Mar 21, 2026
Satin Creditcare Network Limited’s board has approved the appointment of Ankit Bhatia as Chief Audit Officer, effective April 1, 2026, following recommendations from its Nomination and Remuneration Committee and Audit Committee. The move und...
Satin Creditcare Clears ₹50 Crore Subordinated NCD Issue With 12% Monthly Coupon
Mar 20, 2026
Satin Creditcare Network Ltd’s working committee has approved the issuance of up to 5,000 subordinated, unsecured, listed, rated, taxable, redeemable non-convertible debentures (NCDs) of ₹1 lakh each, aggregating ₹50 crore, on a ...
Satin Creditcare Appoints Amit Kumar Gupta as New Chief Financial Officer
Feb 3, 2026
Satin Creditcare Network Limited’s board has approved the appointment of Amit Kumar Gupta, currently Executive Vice President–Finance Accounts, as Chief Financial Officer and Key Managerial Personnel with effect from 9 February 2026, ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.