Satin Creditcare Network Ltd (SATIN) AI Stock Analysis

Satin Creditcare Network Ltd

(NSE:SATIN)

Select Model

Rating:86Outperform

Price Target:INR 296.00▲(23.95% Upside)

Action:reiterated

Date:10/30/26

The score is driven primarily by strong financial improvement, including sharp profitability growth, debt elimination, and positive operating cash flow. Positive technical momentum and a low P/E ratio provide additional support, while the absence of dividend information prevents a higher valuation score.

Positive Factors

Strong Revenue GrowthStrong 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 LeverageHistorically 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.

Satin Creditcare Network Ltd (SATIN) vs. iShares MSCI India ETF (INDA)

Market Cap: INR 26.03B
Dividend Yield: ―
Average Volume (3M): 22.09K
Price to Earnings (P/E): 4.9
Beta (1Y): 0.79
Revenue Growth: 19.64%
EPS Growth: 296.19%
Country: India
Employees: 11,363
Sector: General
Sector Strength: 55
Industry: Financial - Credit Services

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, sem...

Satin Creditcare Network Ltd Financial Statement Overview

Summary

Strong recovery across all statements: revenue grew 27%, net income reached ₹3.3B, debt fell to zero, and operating cash flow turned positive at ₹7.7B. Historical low margins and negative cash flow remain secondary risks.

Income Statement

92Very Positive

Balance Sheet

88Very Positive

Cash Flow

90Very Positive

Financial statement breakdown
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	143.87B	115.87B	104.85B	78.50B	76.55B
Cash, Cash Equivalents and Short-Term Investments	0	23.00B	12.79B	10.80B	8.52B	18.22B
Total Debt	0	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

Technical Analysis SentimentPositive

Last Price238.80

Price Trends

50DMA224.55Positive

100DMA234.00Positive

200DMA202.34Positive

Market Momentum

MACD2.46Negative

RSI57.05Neutral

STOCH76.37Neutral

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 238.80 is above the 20-day moving average (MA) of 227.25, above the 50-day MA of 224.55, and above 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

Overall Rating

UnderperformOutperform

Sector (55)

Financial Indicators

IN:SATIN against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
IN:SATIN	86Outperform	INR 26.27B	4.93	―	―	19.64%	296.19%
IN:CREDITACC	63Neutral	INR 163.93B	10.34	―	―	17.44%	1085.33%
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%
IN:ARMANFIN	42Neutral	INR 14.96B	12.79	―	―	<0.01%	1773.87%
IN:MUTHOOTMF	40Underperform	INR 23.02B	22.78	―	―	5.19%	―
IN:SPANDANA	37Underperform	INR 16.73B	-4.45	―	―	-46.58%	78.01%
IN:FUSION	34Underperform	INR 20.84B	12.40	―	―	-17.20%	―

* General Sector Average

Performance Comparison

IN:SATIN and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
IN:SATIN	Satin Creditcare Network Ltd	238.80	84.85	55.12%
IN:ARMANFIN	Arman Financial Services Limited	1418.25	-228.25	-13.86%
IN:CREDITACC	CreditAccess Grameen Ltd.	1021.05	-386.70	-27.47%
IN:FUSION	Fusion Finance Ltd	129.20	-57.80	-30.91%
IN:MUTHOOTMF	Muthoot Microfin Ltd	135.00	-37.00	-21.51%
IN:SPANDANA	Spandana Sphoorty Financial Ltd.	188.70	-60.25	-24.20%

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 National...

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 cra...

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 company s...

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 emphasi...

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 bu...

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.

Date of analysis: Oct 30, 2026

Satin Creditcare Network Ltd AI Stock Analysis