Satin Creditcare Network Ltd (SATIN) AI Stock Analysis

• Market Cap: ₹15.60B
• Dividend Yield: N/A
• Average Volume (3M): 6.17K
• Price to Earnings (P/E): 11.6
• Beta (1Y): 0.94
• Revenue Growth: 11.09%
• EPS Growth: -66.54%
• Country: IN
• Employees: 11,363
• Sector: Services
• Sector Strength: N/A
• Industry: Financial - Credit Services
• EPS (TTM): 4.83
• Shares Outstanding: 110,470,960
• 10 Day Avg. Volume: 5,100
• 30 Day Avg. Volume: 6,171
• PEG Ratio: -0.14
• Price to Book (P/B): 0.65
• Price to Sales (P/S): 0.63
• P/FCF Ratio: -2.82
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 63 Neutral
• Price Target: ₹156.00 ▲(10.01% Upside)

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

Revenue Growth

The company's revenue growth trend suggests expanding market reach and increasing demand for its microfinance services, which is crucial for long-term sustainability in the financial services sector.

Business Model Strength

Satin's focus on underserved segments, especially women, aligns with structural trends in financial inclusion, providing a durable competitive advantage and fostering community development.

Gross Profit Margins

Improved gross profit margins indicate effective cost management and pricing power, which are critical for maintaining profitability and competitive positioning in the microfinance industry.

Negative Factors

High Leverage

Rising leverage can constrain financial flexibility and increase risk, potentially impacting the company's ability to invest in growth opportunities and weather economic downturns.

Cash Flow Issues

Persistent negative cash flows highlight inefficiencies in cash management, posing liquidity risks and potentially limiting the company's ability to fund operations and growth initiatives.

Declining Profit Margins

The decline in net profit margins reflects challenges in maintaining profitability, which could affect the company's financial health and ability to reinvest in its business.

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, such as agriculture, transportation, trading, and production related business activities; loans for water and sanitation facilities; and loans to merchants, retailer, wholesaler, manufacturing, service providers, salaried, self-employed professionals, and agri business. It also offers loans to self-employed professionals, and self-employed individuals/non individual entities; loans to corporate institutions and micro finance companies; financing for solar lamps, bicycles, and consumer durables; and housing finance products. As of March 31, 2022, the company operated through a network of 1,224 branches. The company was formerly known as Satin Leasing & Finance Private Limited and changed its name to Satin Creditcare Network Limited in April 2000. Satin Creditcare Network Limited was incorporated in 1990 and is headquartered in Gurugram, India.

How the Company Makes Money

Satin Creditcare Network Ltd generates revenue primarily through the interest earned on the microloans it disburses to its clients. The company operates a microfinance model that allows it to charge interest on loans, which is typically higher than traditional banking rates but is justified by the higher risk associated with lending to low-income individuals. Additional revenue streams include fees for loan processing and other financial services. SATIN enhances its earnings through strategic partnerships with various NGOs and government programs that facilitate access to funding and support for its clients. Furthermore, the company benefits from a growing demand for microfinance services in India, driven by increasing financial inclusion and the need for credit among underserved populations.

Satin Creditcare Network Ltd Financial Statement Overview

Summary

Satin Creditcare Network Ltd shows mixed financial performance. While revenues and gross profit margins have improved, net profit margins and cash flow metrics suggest underlying challenges. High leverage increases financial risk, and cash flow inefficiencies indicate potential liquidity concerns. Overall, the financial statements highlight areas that require strategic improvement to enhance financial health and stability.

Income Statement

The income statement shows a volatile revenue growth pattern with a significant drop to 10,328.63 million in 2025 from 18,602.41 million in 2024. Gross profit margins have improved from prior years, reaching 100% in 2025 due to the absence of direct costs. However, net profit margins are inconsistent, reflecting a decrease in net income from 43.59% in 2024 to 18.03% in 2025. EBIT and EBITDA margins have decreased, indicating cost management issues. The overall performance is moderate with potential risks due to fluctuating profitability.

Balance Sheet

The balance sheet indicates a high debt-to-equity ratio, rising from 3.30 in 2024 to 3.46 in 2025, which may limit financial flexibility. The equity ratio remains stable, around 22%, showing consistent reliance on debt. Despite an increase in total assets, the high leverage poses potential risks to financial stability. The return on equity is positive, though it decreased from 18.16% in 2024 to 7.32% in 2025, reflecting challenges in generating profits from shareholders' equity.

Cash Flow

The cash flow statement reveals a troubling trend with negative operating cash flows for consecutive years, reaching -5,634.02 million in 2025. Free cash flow is also negative, worsening to -5,832.49 million in 2025. The operating cash flow to net income ratio is weak, indicating inefficiencies in converting income into cash flow. These factors signal potential liquidity issues and highlight the need for improved cash management strategies.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	22.89B	22.47B	18.60B	12.75B	12.54B	11.91B
Gross Profit	6.30B	6.72B	5.57B	3.10B	2.72B	2.47B
EBITDA	2.18B	2.66B	6.08B	250.45M	511.67M	64.23M
Net Income	1.26B	1.86B	4.36B	48.13M	206.99M	-139.82M
Balance Sheet
Total Assets	0.00	115.87B	104.85B	78.50B	76.55B	80.45B
Cash, Cash Equivalents and Short-Term Investments	0.00	12.79B	10.80B	8.52B	18.22B	18.32B
Total Debt	0.00	87.91B	79.10B	59.11B	57.44B	61.81B
Total Liabilities	-25.43B	90.44B	80.84B	62.21B	60.73B	65.59B
Stockholders Equity	25.43B	25.43B	24.01B	16.28B	15.82B	14.86B
Cash Flow
Free Cash Flow	0.00	-5.83B	-20.82B	-9.66B	3.30B	-9.65B
Operating Cash Flow	0.00	-5.63B	-20.69B	-9.56B	3.36B	-9.45B
Investing Cash Flow	0.00	-453.89M	-282.29M	-728.98M	-507.98M	2.26B
Financing Cash Flow	0.00	9.14B	22.63B	3.90B	-4.42B	7.34B

Satin Creditcare Network Ltd Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 141.80
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:SATIN, the sentiment is Negative. The current price of 141.8 is below the 20-day moving average (MA) of 144.12, below the 50-day MA of 148.26, and below the 200-day MA of 151.64, indicating a bearish trend. The MACD of -2.37 indicates Positive momentum. The RSI at 42.46 is Neutral, neither overbought nor oversold. The STOCH value of 45.82 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:SATIN.

Satin Creditcare Network Ltd Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CONTROLPR	73 Outperform	₹11.29B	11.07	―	1.42%	15.38%	99.90%
MUFIN	66 Neutral	₹20.01B	103.81	―	―	40.11%	-5.31%
SATIN	63 Neutral	₹15.60B	11.60	―	―	11.09%	-66.54%
Sector *	55 Neutral	$13.29B	17.42	10.03%	0.93%	7.13%	-12.93%
BLKASHYAP	52 Neutral	₹11.53B	13,460.53	―	―	-4.30%	-99.86%
IL&FSENGG	40 Underperform	₹3.63B	-210.75	―	―	-6.13%	98.35%
TIL	38 Underperform	₹18.25B	-231.30	―	―	80.70%	-100.87%

Satin Creditcare Network Ltd Corporate Events

Satin Creditcare to Participate in Valorem CXO Meet

Satin Creditcare Network Ltd. announced its participation in the Valorem CXO Meet, a virtual conference scheduled for September 17, 2025. The event will feature discussions on the company’s growth, industry insights, and future strategies. This engagement is part of Satin Creditcare’s ongoing efforts to maintain transparency and communication with investors, highlighting its consistent financial performance and strategic focus on expanding its market presence.