Satin Creditcare Network Ltd (SATIN) AI Stock Analysis

• Market Cap: ₹15.43B
• Dividend Yield: N/A
• Average Volume (3M): 11.00K
• Price to Earnings (P/E): 12.3
• Beta (1Y): 1.01
• Revenue Growth: 10.96%
• EPS Growth: -73.61%
• Country: IN
• Employees: 11,363
• Sector: Services
• Sector Strength: N/A
• Industry: Financial - Credit Services
• EPS (TTM): 4.10
• Shares Outstanding: 110,470,960
• 10 Day Avg. Volume: 9,046
• 30 Day Avg. Volume: 11,003
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• 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: ₹169.00
• Price Target Upside: 20.97% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 62 Neutral
• Price Target: ₹169.00 ▲(20.97% Upside)

The overall stock score reflects a mixed scenario, with financial performance and technical analysis highlighting potential risks, while valuation presents an opportunity due to the low P/E ratio. The absence of positive earnings guidance and lack of corporate events further limits the upside potential.

Satin Creditcare Network Ltd Business Overview & Revenue Model

Company Description

Satin Creditcare Network Ltd (SATIN) is a leading microfinance institution in India, primarily engaged in providing financial services to underserved communities, particularly in rural and semi-urban areas. The company focuses on offering microloans to low-income individuals and small businesses to promote financial inclusion and empower economically weaker sections of society. SATIN's core services include group lending, individual loans, and other financial products tailored to the needs of its customers.

How the Company Makes Money

Satin Creditcare Network Ltd makes money primarily through the interest income generated from its lending activities. The company's revenue model is centered on providing microloans to self-employed individuals and small entrepreneurs who lack access to traditional banking services. These loans are typically extended at a higher interest rate to compensate for the higher risk associated with lending to low-income and unbanked segments. SATIN also earns fees from loan processing and other related financial services. The company's partnerships with various banks and financial institutions enable it to access funding at competitive rates, which it then uses to extend credit to its customers. Additionally, SATIN's robust risk management practices and wide geographic reach contribute significantly to its earnings by ensuring a diverse and resilient loan portfolio.

Satin Creditcare Network Ltd Financial Statement Overview

Summary

Satin Creditcare Network Ltd shows mixed financial performance with improved revenues and gross profit margins. However, fluctuating net profit margins, high leverage, and negative cash flow highlight financial instability and liquidity concerns.

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	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	10.33B	18.60B	12.75B	12.54B	11.91B
Gross Profit	10.33B	5.57B	3.10B	2.77B	2.47B
EBITDA	5.24B	6.08B	1.15M	1.85M	52.49M
Net Income	1.86B	4.36B	48.13M	206.99M	-139.82M
Balance Sheet
Total Assets	115.87B	104.90B	78.50B	76.55B	80.45B
Cash, Cash Equivalents and Short-Term Investments	13.75B	12.71B	8.52B	18.22B	18.32B
Total Debt	87.91B	79.15B	59.11B	57.44B	61.81B
Total Liabilities	90.44B	80.89B	62.21B	60.73B	65.59B
Stockholders Equity	25.43B	24.01B	16.28B	15.82B	14.86B
Cash Flow
Free Cash Flow	-5.83B	-20.82B	-9.66B	3.30B	-9.65B
Operating Cash Flow	-5.63B	-20.69B	-9.56B	3.36B	-9.45B
Investing Cash Flow	-453.89M	-282.29M	-728.98M	-507.98M	2.26B
Financing Cash Flow	9.14B	22.63B	3.90B	-4.42B	7.34B

Satin Creditcare Network Ltd Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 139.70
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Positive
• STOCH: Positive

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 139.7 is below the 20-day moving average (MA) of 148.82, below the 50-day MA of 156.28, and below the 200-day MA of 153.98, indicating a bearish trend. The MACD of -5.30 indicates Positive momentum. The RSI at 26.86 is Positive, neither overbought nor oversold. The STOCH value of 2.62 is Positive, 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	72 Outperform	₹11.67B	12.04		1.37%	17.40%	88.44%
MUFIN	66 Neutral	₹14.83B	73.14		―	108.09%	39.44%
BLKASHYAP	64 Neutral	₹15.42B	56.29		―	-7.30%	-47.48%
SATIN	62 Neutral	₹15.43B	12.25		―	10.96%	-73.61%
Sector *	54 Neutral	C$45.05M	57.91	15.08%	4.51%	1.39%	-26.37%
IL&FSENGG	―	₹5.51B	―		―	―	―
TIL	38 Underperform	₹20.36B	957.67		―	138.60%	-100.26%

Satin Creditcare Network Ltd Corporate Events

Satin Creditcare Announces AGM Details and E-Voting Information

Satin Creditcare Network Ltd has announced the completion of dispatching notices for its 35th Annual General Meeting (AGM) along with the Integrated Annual Report for the financial year 2024-25. The company also provided e-voting information related to the AGM, which highlights its commitment to maintaining transparent communication with its stakeholders and ensuring their active participation in corporate governance processes.