Satin Creditcare Network Ltd.

₹158.55

5.1 (3.3%)

SATIN Share Price

Finance

As on January 28, 2026

SectorFinancial Services

IndustryFinance

Basic IndustryMicrofinance Institutions

Market Cap₹ 1,730 Cr

P/E Ratio8.05

Dividend YieldN/A

Trendline Performance

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T&C*

Technicals

Indicators	Value	Signal
5-DMA	152.73	Bullish
10-DMA	151.69	Bullish
20-DMA	149.33	Bullish
50-DMA	147.27	Bullish
100-DMA	147.82	Bullish
200-DMA	152.14	Bullish

Historical Performance

1 Year

9.2%

3 Years

5 Years

122.2%

10 Years

-54.6%

Shareholding Pattern

Values Analysis

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Profit & Loss

Below figures are in Rs. Crores

Particulars	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021
Other Income	172	172	1,998	41	85
Operating Profit	13,116	15,066	6,404	6,810	6,433
Interest	10,486	9,010	6,167	6,307	6,380
Depreciation	273	227	184	161	151
Profit Before Tax	2,358	5,829	52	342	-98
Consolidated Net Profit	1,861	4,359	48	207	-140
Adjusted EPS	17	40	1	3	-2

Compounded Sales Growth

10 Years:33.9

5 Years:11.2

3 Years:13.5

TTM:3

Compounded Profit Growth

10 Years:30.2

5 Years:6.7

3 Years:40

TTM:-12.5

Stock Price CAGR

10 Years:-8

5 Years:17.4

3 Years:2.6

TTM:9.4

Return on Equity

10 Years:17.1

5 Years:-2

3 Years:31.2

last year:19.7

Quarterly Results

Below figures are in Rs. Crores

Particulars	Sep-2024	Dec-2024	Mar-2025	Jul-2025	Sep-2025
Sales	1,70,754	1,35,936	1,28,552	1,22,189	1,05,161
Expenses	63,042	56,557	52,457	45,459	34,856
Operating Profit	1,07,712	79,379	76,096	76,730	70,304
OPM %	63%	58%	59%	63%	67%
Other Income	33,912	31,759	27,333	24,879	18,947
Interest	77,780	58,584	59,248	62,137	53,713
Depreciation	2,345	1,681	1,385	1,277	1,221
Profit Before Tax	61,498	50,873	42,796	38,195	34,318
Tax %	25%	25%	26%	29%	35%
Net Profit	46,149	38,151	31,857	27,296	22,446
EPS in Rs	83	69	58	50	42

Balance Sheet

Below figures are in Rs. Crores

Particulars	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021
Share Capital	1,100	1,100	848	746	665
Total Reserves	24,324	22,908	15,141	14,573	14,175
Minority Interest	---	---	---	---	---
Total Non-Current Liabilities	42,162	43,085	46,723	49,420	59,333
Total Liabilities	1,15,426	1,04,756	77,610	75,727	79,925
Capital Work in Progress	3	1	---	2	36
Total Assets	1,15,426	1,04,756	77,610	75,727	79,925

Positive

(80 to 100)

Neutral

(60 to 79)

Negative

(0 to 59)

The stock has a low PE of 8.05, which may indicate undervaluation or subdued growth expectations.
Over the last three years, the stock delivered a weak 3-year price CAGR of 3.1%, indicating poor shareholder returns.
The stock carries a low beta of 0.5, suggesting lower volatility than the broader market.
In the last financial year, the company reported an EBITDA of ₹12063 million, reflecting positive operating performance.
In the previous financial year, the company generated revenue of ₹23778 million, indicating a large and established business.

Investment Calculator

Investment Amount:

₹

Investment Amount: ₹ 1000000

Current Value: ₹ 1093900.9

No. of Shares: 6899 (Approx)

Performance:9.4%

P/L: ₹93900.9

NIFTY Performance: 9.4%

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