Satin Creditcare Network Ltd AI Stock Analysis
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Satin Creditcare Network Ltd (SATIN) AI Stock Analysis
Satin Creditcare Network Ltd
(NSE:SATIN)
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.
Satin Creditcare Network Ltd (SATIN) vs. iShares MSCI India ETF (INDA)
- Market Cap
- INR 28.89B
- Dividend Yield
- ―
- Average Volume (3M)
- 24.35K
- Price to Earnings (P/E)
- 5.4
- Beta (1Y)
- 0.83
- 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 PositiveBalance Sheet
88Very PositiveCash Flow
90Very Positive| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 34.36B | 31.61B | 22.47B | 18.60B | 12.75B | 12.54B |
| Gross Profit | 24.32B | 20.32B | 6.72B | 5.57B | 3.10B | 2.72B |
| EBITDA | 5.36B | 4.62B | 2.66B | 6.08B | 250.45M | 508.09M |
| Net Income | 5.33B | 3.32B | 1.86B | 4.36B | 48.13M | 206.99M |
Balance Sheet | ||||||
| Total Assets | 159.23B | 143.87B | 115.87B | 104.85B | 78.50B | 76.55B |
| Cash, Cash Equivalents and Short-Term Investments | 24.86B | 23.00B | 12.79B | 10.80B | 8.52B | 18.22B |
| Total Debt | 120.12B | 109.91B | 87.91B | 79.10B | 59.11B | 57.44B |
| Total Liabilities | 127.45B | 115.19B | 90.44B | 80.84B | 62.21B | 60.73B |
| Stockholders Equity | 31.73B | 28.63B | 25.43B | 24.01B | 16.28B | 15.82B |
Cash Flow | ||||||
| Free Cash Flow | 0 | 7.45B | -5.83B | -20.82B | -9.66B | 3.30B |
| Operating Cash Flow | 0 | 7.70B | -5.63B | -20.69B | -9.56B | 3.36B |
| Investing Cash Flow | 0 | -17.67B | -453.89M | -282.29M | -728.98M | -507.98M |
| Financing Cash Flow | 0 | 17.73B | 9.14B | 22.63B | 3.90B | -4.42B |
Satin Creditcare Network Ltd Technical Analysis
Price Trends
Market Momentum
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 262.85 is above the 20-day moving average (MA) of 241.84, above the 50-day MA of 230.53, and above the 200-day MA of 207.18, indicating a bullish trend. The MACD of 10.41 indicates Negative momentum. The RSI at 63.44 is Neutral, neither overbought nor oversold. The STOCH value of 85.35 is Negative, 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
- IN:SATIN86Outperform
IN:CREDITACC63Neutral
IN:ARMANFIN62Neutral
IN:FUSION46Neutral
IN:MUTHOOTMF44Neutral
IN:SPANDANA37Underperform
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| IN:SATIN | 86Outperform | INR 29.69B | 5.42 | ― | ― | 19.64% | 296.19% |
| IN:CREDITACC | 63Neutral | INR 176.80B | 11.13 | ― | ― | 17.44% | 1085.33% |
| IN:ARMANFIN | 62Neutral | INR 17.45B | 10.28 | ― | ― | <0.01% | 1773.87% |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
| IN:FUSION | 46Neutral | INR 27.60B | 9.67 | ― | ― | -2.10% | ― |
| IN:MUTHOOTMF | 44Neutral | INR 28.99B | 16.21 | ― | ― | 15.94% | ― |
| IN:SPANDANA | 37Underperform | INR 17.03B | -25.15 | ― | ― | -23.86% | 96.08% |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| IN:SATIN | Satin Creditcare Network Ltd | 262.85 | 110.15 | 72.13% | |
| IN:ARMANFIN | Arman Financial Services Limited | 1568.50 | -168.65 | -9.71% | |
| IN:CREDITACC | CreditAccess Grameen Ltd. | 1102.10 | -253.15 | -18.68% | |
| IN:FUSION | Fusion Finance Ltd | 165.75 | -6.90 | -4.00% | |
| IN:MUTHOOTMF | Muthoot Microfin Ltd | 167.75 | -5.95 | -3.43% | |
| IN:SPANDANA | Spandana Sphoorty Financial Ltd. | 188.15 | -81.10 | -30.12% |
Satin Creditcare Network Ltd Corporate Events
Satin Creditcare Shuts Trading Window Ahead of September Quarter Results
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
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
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 stated that n...
Satin Creditcare to Join Phillip Capital Investor Conference in Delhi
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 emphasized th...
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