Satin Creditcare Network Ltd (SATIN) AI Stock Analysis

• Market Cap: ₹16.10B
• Dividend Yield: N/A
• Average Volume (3M): 10.81K
• Price to Earnings (P/E): 12.8
• Beta (1Y): 0.96
• 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: 8,042
• 30 Day Avg. Volume: 10,808
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• 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: ₹157.00
• Price Target Upside: 7.28% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 63 Neutral
• Price Target: ₹157.00 ▲(7.28% Upside)

The overall stock score of 63 reflects a moderate outlook for Satin Creditcare Network Ltd. The most significant factor is the financial performance, which highlights challenges in profitability and liquidity due to high leverage and negative cash flows. Technical analysis suggests a neutral to slightly positive market sentiment, while valuation indicates the stock is reasonably priced. The absence of earnings call and corporate events data means these factors did not influence the score.

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 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. Revenue growth is volatile with a significant drop in 2025, despite improved gross profit margins. Challenges include inconsistent net profit margins, decreased EBIT/EBITDA margins, high leverage with an increasing debt-to-equity ratio, and negative cash flow trends indicating potential liquidity issues.

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	23.40B	26.06B	18.60B	12.75B	12.54B	11.91B
Gross Profit	8.24B	25.54B	5.57B	3.10B	2.77B	2.47B
EBITDA	5.47B	5.24B	6.08B	1.15M	1.85M	52.49M
Net Income	1.86B	1.86B	4.36B	48.13M	206.99M	-139.82M
Balance Sheet
Total Assets	115.87B	115.87B	104.90B	78.50B	76.55B	80.45B
Cash, Cash Equivalents and Short-Term Investments	13.75B	13.75B	12.71B	8.52B	18.22B	18.32B
Total Debt	87.91B	87.91B	79.15B	59.11B	57.44B	61.81B
Total Liabilities	90.44B	90.44B	80.89B	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: 146.35
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• 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 146.35 is above the 20-day moving average (MA) of 143.50, below the 50-day MA of 147.20, and below the 200-day MA of 152.34, indicating a neutral trend. The MACD of 0.54 indicates Negative momentum. The RSI at 53.04 is Neutral, neither overbought nor oversold. The STOCH value of 50.17 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	75 Outperform	12.21B	12.59	24.25%	1.31%	17.40%	88.44%
SATIN	63 Neutral	₹16.10B	12.78		―	10.96%	-73.61%
MUFIN	63 Neutral	15.11B	79.52	7.27%	―	63.76%	3.47%
BLKASHYAP	55 Neutral	15.07B	83.35	5.25%	―	-15.08%	-71.22%
TIL	44 Neutral	22.45B	-976.25	3.47%	―	138.60%	-100.26%
IL&FSENGG	36 Underperform	4.30B	-38.44	0.15%	―	-4.18%	82.74%
Sector *	55 Neutral	$13.29B	17.42	10.03%	0.93%	7.13%	-12.93%

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.

Satin Finserv Appoints New CEO to Drive Green Finance Initiatives

Satin Finserv Limited, a subsidiary of Satin Creditcare Network Limited, has appointed Mr. Pramod Marar as CEO to enhance its green finance capabilities. This strategic move aims to strengthen the company’s role in India’s green finance ecosystem by developing innovative financial solutions in renewable energy, clean mobility, and sustainable agriculture, thereby supporting the country’s climate objectives and fostering resilient growth for underserved communities and MSMEs.

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.