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Satin Creditcare Network Ltd
(SATIN)
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Rating:67Neutral
Price Target:
₹260.00
▲(74.03% Upside)
Action:Downgraded
Date:08/01/26
The score is driven primarily by improving financial performance and strong growth, balanced by cash-flow volatility and leverage-related balance-sheet risk/uncertainty. Valuation is supportive due to the low P/E, while technicals are mixed with near-term weakness but longer-term trend still above key moving averages.
Positive Factors
Consistent revenue expansion
Satin has delivered multi-year top-line acceleration with large percentage gains across FY2024–FY2026. Durable revenue growth in microfinance indicates expanding borrower penetration and product take-up across branches, supporting sustainable interest income and scale economics over the medium term.
Negative Factors
High historical leverage
Historically elevated leverage amplifies downside risk for a credit-focused NBFC: asset-quality shocks or funding cost rises can sharply compress equity and earnings. High leverage limits strategic flexibility, increases sensitivity to liquidity cycles, and can force asset sales or tightened lending in stressed environments.
Read all positive and negative factors
Positive Factors
Negative Factors
Consistent revenue expansion
Satin has delivered multi-year top-line acceleration with large percentage gains across FY2024–FY2026. Durable revenue growth in microfinance indicates expanding borrower penetration and product take-up across branches, supporting sustainable interest income and scale economics over the medium term.
Read all positive factors
Satin Creditcare Network Ltd (SATIN) vs. iShares MSCI India ETF (INDA)
Market Cap
₹23.89B
Dividend YieldN/A
Average Volume (3M)23.90K
Price to Earnings (P/E)5.8
Beta (1Y)0.78
Revenue Growth20.59%
EPS Growth225.35%
CountryIN
Employees11,363
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)37.29
Shares Outstanding110,470,960
10 Day Avg. Volume9,077
30 Day Avg. Volume23,896
Financial Highlights & Ratios
PEG Ratio0.06
Price to Book (P/B)0.54
Price to Sales (P/S)0.49
P/FCF Ratio2.06
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)39.1
Revenue Forecast (FY)₹20.80B
Satin Creditcare Network Ltd Business Overview & Revenue Model
Company Description
Satin Creditcare Network Limited (SCNL) is an Indian non-banking financial institution primarily dedicated to providing microfinance services across the nation. The company extends microcredit, predominantly to economically active women in rural, ...
How the Company Makes Money
SATIN primarily makes money by earning interest income and fees from lending activities. Its key revenue streams typically include: (1) Interest income on its loan portfolio—this is the main driver, generated from periodic interest charged to borr...
Satin Creditcare Network Ltd Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
66
Positive
Cash Flow
52
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 33.00B | 31.61B | 22.47B | 18.60B | 12.75B | 12.54B |
| Gross Profit | 23.01B | 20.32B | 6.72B | 5.57B | 3.10B | 2.72B |
| EBITDA | 5.11B | 4.62B | 2.66B | 6.08B | 250.45M | 511.67M |
| Net Income | 4.10B | 3.32B | 1.86B | 4.36B | 48.13M | 206.99M |
Balance Sheet | ||||||
| Total Assets | 0.00 | 143.87B | 115.87B | 104.85B | 78.50B | 76.55B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 23.00B | 12.79B | 10.80B | 8.52B | 18.22B |
| Total Debt | 0.00 | 109.91B | 87.91B | 79.10B | 59.11B | 57.44B |
| Total Liabilities | -28.68B | 115.19B | 90.44B | 80.84B | 62.21B | 60.73B |
| Stockholders Equity | 28.68B | 28.63B | 25.43B | 24.01B | 16.28B | 15.82B |
Cash Flow | ||||||
| Free Cash Flow | 7.22B | 7.45B | -5.83B | -20.82B | -9.66B | 3.30B |
| Operating Cash Flow | 7.32B | 7.70B | -5.63B | -20.69B | -9.56B | 3.36B |
| Investing Cash Flow | -2.79B | -17.67B | -453.89M | -282.29M | -728.98M | -507.98M |
| Financing Cash Flow | 7.03B | 17.73B | 9.14B | 22.63B | 3.90B | -4.42B |
Satin Creditcare Network Ltd Technical Analysis
Negative
149.40
Price Trends
239.91
Negative
227.06
Negative
188.31
Positive
Market Momentum
-5.26
Negative
37.61
Neutral
23.63
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 below the 20-day moving average (MA) of 222.72, below the 50-day MA of 239.91, and below the 200-day MA of 188.31, indicating a neutral trend. The MACD of -5.26 indicates Negative momentum. The RSI at 37.61 is Neutral, neither overbought nor oversold. The STOCH value of 23.63 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 |
|---|---|---|---|---|---|---|---|
67 Neutral | ₹23.89B | 5.83 | ― | ― | 20.59% | 225.35% | |
63 Neutral | ₹228.79B | 18.74 | ― | 0.76% | 11.47% | 522.19% | |
63 Neutral | ₹32.35B | 19.39 | ― | ― | -17.20% | ― | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
55 Neutral | ₹21.37B | 18.39 | ― | 0.33% | <0.01% | 1773.87% | |
53 Neutral | ₹33.78B | 34.05 | ― | ― | 5.19% | ― | |
41 Neutral | ₹21.14B | -5.64 | ― | ― | -46.58% | 78.01% |
* General Sector Average
IN:SATIN
Satin Creditcare Network Ltd
216.80
72.60
50.35%
IN:ARMANFIN
Arman Financial Services Limited
2,024.80
565.35
38.74%
IN:CREDITACC
CreditAccess Grameen Ltd.
1,417.45
113.70
8.72%
IN:FUSION
Fusion Finance Ltd
201.65
28.40
16.39%
IN:MUTHOOTMF
Muthoot Microfin Ltd
201.60
35.60
21.45%
IN:SPANDANA
Spandana Sphoorty Financial Ltd.
239.55
-16.10
-6.30%
Satin Creditcare Network Ltd Corporate Events
Satin Creditcare Issues Q1FY27 Business Update to Exchanges
Jul 6, 2026
Satin Creditcare Network Ltd, a listed financial services and lending company, continues to focus on growth, diversification, and value creation in its credit operations. The firm, active in retail and microfinance-oriented markets, promotes a ...
Satin Creditcare files postal ballot voting results with exchanges
Jul 4, 2026
Satin Creditcare Network Ltd has reported the results of a postal ballot conducted entirely through remote e-voting, submitting the scrutinizer’s report and detailed voting outcomes to the National Stock Exchange of India and BSE. The proces...
Satin Creditcare to Raise Up to ₹5,000 Crore via NCDs, Reappoints Compliance Chief
Jun 23, 2026
Satin Creditcare Network Limited’s board has approved raising up to INR 5,000 crore through the issuance of non-convertible debentures on a private placement basis within one year of shareholders’ approval, aiming to strengthen its fun...
Satin Creditcare launches electronic postal ballot for shareholder approval on special business
Jun 4, 2026
Satin Creditcare Network Limited has notified stock exchanges that it is conducting a shareholder approval process via postal ballot, using only electronic voting. The notice, dated June 4, 2026, seeks member approval on special business items, wi...
Satin Creditcare Raises ₹200 Crore Tier II Capital to Power Impact-Led Growth
May 7, 2026
Satin Creditcare Network Limited has raised INR 200 crore in subordinated Tier II capital with a seven-year tenure to reinforce its capital base and support sustained growth across its businesses. The long-tenor structure strengthens capital adequ...
Satin Creditcare Schedules Q4 and FY26 Earnings Call for May 12
May 6, 2026
Satin Creditcare Network Limited has scheduled an investors and analysts earnings conference call on Tuesday, May 12, 2026, at 10:30 a.m. IST to discuss its audited standalone and consolidated financial results for the fourth quarter and full year...
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.