Satin Creditcare Network Ltd (SATIN) AI Stock Analysis

• Market Cap: ₹16.60B
• Dividend Yield: N/A
• Average Volume (3M): 6.17K
• Price to Earnings (P/E): 12.4
• Beta (1Y): 0.95
• 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 ▲(2.33% 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.

Satin Creditcare Network Ltd Business Overview & Revenue Model

Company Description

Satin Creditcare Network Ltd (SATIN) is a leading microfinance institution in India, primarily focused on providing financial services to underserved segments of society, particularly women. Established in 1990, the company operates in the financial services sector, offering a range of products including microloans, income-generating loans, and financial literacy programs. SATIN aims to empower low-income households by facilitating access to credit and financial support, thus fostering economic development in the communities it serves.

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	23.81B	26.06B	22.45B	12.75B	12.54B	11.91B
Gross Profit	7.49B	25.54B	11.91B	3.10B	5.71B	2.47B
EBITDA	5.00B	12.90B	6.08B	6.33B	7.07B	6.56B
Net Income	1.26B	1.86B	4.36B	48.13M	206.99M	-139.82M
Balance Sheet
Total Assets	0.00	115.87B	104.90B	78.50B	76.55B	80.45B
Cash, Cash Equivalents and Short-Term Investments	0.00	13.75B	12.71B	8.52B	18.22B	18.32B
Total Debt	0.00	87.91B	79.15B	59.11B	57.44B	61.81B
Total Liabilities	-25.43B	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: Positive
• Last Price: 152.45
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• 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 Positive. The current price of 152.45 is above the 20-day moving average (MA) of 150.14, above the 50-day MA of 146.91, and above the 200-day MA of 151.36, indicating a bullish trend. The MACD of 1.79 indicates Positive momentum. The RSI at 55.13 is Neutral, neither overbought nor oversold. The STOCH value of 29.45 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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	₹11.58B	11.94	―	1.44%	17.40%	88.44%
MUFIN	66 Neutral	₹21.15B	108.32	―	―	63.76%	3.47%
SATIN	63 Neutral	₹16.60B	12.35	―	―	11.09%	-66.54%
Sector *	55 Neutral	$13.29B	17.42	10.03%	0.93%	7.13%	-12.93%
BLKASHYAP	55 Neutral	₹13.29B	73.50	―	―	-15.08%	-71.22%
TIL	40 Underperform	₹19.67B	―	―	―	138.60%	-100.26%
IL&FSENGG	37 Underperform	₹3.51B	―	―	―	-4.18%	82.74%

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.