Satin Creditcare Network Ltd (IN:SATIN)
:SATIN
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Satin Creditcare Network Ltd
(SATIN)
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Rating:47Neutral
Price Target:
₹145.00
▼(-2.95% Downside)
Action:ReiteratedDate:10/23/25
The overall stock score of 47 for Satin Creditcare reflects significant concerns in financial performance, driven by a sharp revenue decline, high debt, and negative cash flows. While valuation appears reasonable with a P/E of 12.83 and technical indicators suggest neutral momentum, the weak financial health remains the dominant factor weighing down the score.
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.
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.
Read all positive and negative factors
Positive Factors
Negative 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.
Read all positive factors
Satin Creditcare Network Ltd (SATIN) vs. iShares MSCI India ETF (INDA)
Market Cap
₹15.99B
Dividend YieldN/A
Average Volume (3M)6.17K
Price to Earnings (P/E)5.5
Beta (1Y)0.89
Revenue Growth11.09%
EPS Growth-66.54%
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)31.5
Revenue Forecast (FY)₹19.41B
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 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 tha...
Satin Creditcare Network Ltd Financial Statement Overview
Summary
Income Statement
45
Neutral
Balance Sheet
40
Negative
Cash Flow
30
Negative
| 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
Negative
149.40
Price Trends
151.33
Negative
149.23
Negative
149.76
Negative
Market Momentum
-2.07
Negative
46.65
Neutral
50.13
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 149.4 is above the 20-day moving average (MA) of 146.20, below the 50-day MA of 151.33, and below the 200-day MA of 149.76, indicating a bearish trend. The MACD of -2.07 indicates Negative momentum. The RSI at 46.65 is Neutral, neither overbought nor oversold. The STOCH value of 50.13 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
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | ₹9.19B | 52.61 | ― | 1.42% | 15.38% | 99.90% | |
66 Neutral | ₹17.27B | 71.53 | ― | ― | 40.11% | -5.31% | |
55 Neutral | $13.29B | 17.42 | 10.03% | 0.93% | 7.13% | -12.93% | |
52 Neutral | ₹10.21B | 25.32 | ― | ― | -4.30% | -99.86% | |
47 Neutral | ₹15.99B | 5.50 | ― | ― | 11.09% | -66.54% | |
40 Underperform | ₹3.15B | -220.26 | ― | ― | -6.13% | 98.35% | |
40 Underperform | ₹14.44B | -65.93 | ― | ― | 80.70% | -100.87% |
* Services Sector Average
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Satin Creditcare Network Ltd Corporate Events
Satin Creditcare Announces Director Change
Dec 7, 2025
Satin Creditcare Network Limited, a company listed on the National Stock Exchange of India and BSE Limited, has announced a change in its board of directors. Mr. Anil Kumar Kalra has completed his second five-year term as a Non-Executive Independ...
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.