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Satin Creditcare Network Ltd
(SATIN)
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Rating:73Outperform
Price Target:
₹280.00
▲(87.42% Upside)
Action:Upgraded
Date:10/30/26
The score is driven by attractive valuation (low P/E) and constructive technical momentum. These positives are moderated by financial-performance risks, particularly volatile cash flows and historically high leverage (with FY2026 debt reporting adding uncertainty) despite strong revenue growth and improved profitability.
Positive Factors
Strong Revenue Growth
Strong and sustained revenue growth across three fiscal years indicates expanding lending activity and customer reach. For a financial-inclusion platform, continued top-line expansion can support greater operating scale, broader market presence, and stronger earnings capacity over the next several quarters.
Negative Factors
Historically High Leverage
Historically high leverage increases downside sensitivity for a credit business because asset-quality deterioration can pressure both capital and funding capacity. The abrupt FY2026 debt reading of zero may reflect classification differences, leaving uncertainty around the company’s true funding risk.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Revenue Growth
Strong and sustained revenue growth across three fiscal years indicates expanding lending activity and customer reach. For a financial-inclusion platform, continued top-line expansion can support greater operating scale, broader market presence, and stronger earnings capacity over the next several quarters.
Read all positive factors
Satin Creditcare Network Ltd (SATIN) vs. iShares MSCI India ETF (INDA)
Market Cap
₹26.27B
Dividend YieldN/A
Average Volume (3M)17.97K
Price to Earnings (P/E)4.9
Beta (1Y)0.79
Revenue Growth19.64%
EPS Growth296.19%
CountryIN
Employees11,363
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)37.29
Shares Outstanding110,470,960
10 Day Avg. Volume6,272
30 Day Avg. Volume17,973
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)41
Revenue Forecast (FY)₹21.73B
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, ...
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 | 22.94B | 20.32B | 6.72B | 5.57B | 3.10B | 2.72B |
| EBITDA | 5.11B | 4.62B | 2.66B | 6.08B | 250.45M | 508.09M |
| 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
Positive
149.40
Price Trends
224.55
Positive
234.00
Positive
202.34
Positive
Market Momentum
2.46
Negative
57.05
Neutral
76.37
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 149.4 is below the 20-day moving average (MA) of 227.25, below the 50-day MA of 224.55, and below the 200-day MA of 202.34, indicating a bullish trend. The MACD of 2.46 indicates Negative momentum. The RSI at 57.05 is Neutral, neither overbought nor oversold. The STOCH value of 76.37 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
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | ₹26.27B | 4.93 | ― | ― | 19.64% | 296.19% | |
63 Neutral | ₹163.93B | 10.34 | ― | 0.76% | 17.44% | 1085.33% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
51 Neutral | ₹14.96B | 12.80 | ― | 0.33% | <0.01% | 1773.87% | |
47 Neutral | ₹20.84B | 12.40 | ― | ― | -17.20% | ― | |
46 Neutral | ₹23.02B | 22.78 | ― | ― | 5.19% | ― | |
40 Underperform | ₹16.73B | -4.45 | ― | ― | -46.58% | 78.01% |
* General Sector Average
IN:SATIN
Satin Creditcare Network Ltd
238.80
82.20
52.49%
IN:ARMANFIN
Arman Financial Services Limited
1,418.25
-210.85
-12.94%
IN:CREDITACC
CreditAccess Grameen Ltd.
1,021.05
-395.20
-27.90%
IN:FUSION
Fusion Finance Ltd
129.20
-52.70
-28.97%
IN:MUTHOOTMF
Muthoot Microfin Ltd
135.00
-33.45
-19.86%
IN:SPANDANA
Spandana Sphoorty Financial Ltd.
188.70
-65.90
-25.88%
Satin Creditcare Network Ltd Corporate Events
Satin Creditcare Shuts Trading Window Ahead of September Quarter Results
Sep 24, 2026
Satin Creditcare Network Ltd is a non-banking financial company operating in India, primarily focused on providing credit services to underserved segments through microfinance and related lending solutions. The company is listed on both the Nation...
Satin Growth Alternatives Makes First Fund Investment in Indic Wisdom
Sep 14, 2026
Satin Growth Alternatives Ltd, a subsidiary of Satin Creditcare Network Ltd, has made its first investment from its recently closed Category II Alternative Investment Fund in Indic Wisdom, a women-led manufacturer and distributor of traditionally ...
Satin Creditcare to Join Elara Capital Investor Conference in Mumbai
Aug 26, 2026
Satin Creditcare Network Ltd has announced that its officials will participate in Elara Capital’s twelfth Ashwamedh – Elara India Dialogue 2026, a physical group investor conference to be held in Mumbai on September 2, 2026. The compan...
Satin Creditcare to Join Phillip Capital Investor Conference in Delhi
Aug 26, 2026
Satin Creditcare Network Ltd has announced that its officials will participate in Phillip Capital’s Market Marvel: Investing Beyond the Headlines conference on September 3, 2026, in Delhi, in a physical group meeting format. The company emph...
Satin Creditcare launches ₹1 crore Assam flood relief drive
Aug 6, 2026
Satin Creditcare Network Limited has launched a ₹1 crore flood relief drive to support about 15,000 families in Assam, underscoring its broader social commitment beyond financial services. The initiative, led by its Northeast and West Bengal...
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.