Satin Creditcare

Why is Satin Creditcare Network Ltd falling/rising?

As of 25-Aug, Satin Creditcare Network Ltd's stock price is at 221.10, reflecting a decline of 1.05%. The stock has been underperforming recently, with significant losses over the past week and month, and decreasing investor participation suggests a lack of confidence among retail investors.

As of 25-Aug, Satin Creditcare Network Ltd's stock price is falling, currently at 221.10, which reflects a decrease of 2.35 (-1.05%). This decline is part of a broader trend, as the stock has been underperforming significantly over the past week and month, with losses of 2.94% and 17.70%, respectively. Additionally, the stock has experienced a consecutive fall over the last three days, resulting in a total decline of 2.25% during this period.<BR><BR>Investor participation appears to be decreasing, as evidenced by a notable drop in delivery volume, which fell by 29.98% compared to the five-day average. This reduced activity may indicate a lack of confidence among retail investors. Although the stock is trading above its 100-day and 200-day moving averages, it remains below its shorter-term moving averages, suggesting a bearish sentiment in the near term.<BR><BR>Despite the company's positive financial performance over the last four quarters, including a 20.93% growth in net sales and a significant increase in profits, the current market conditions and recent stock performance have overshadowed these achievements. The stock's recent underperformance relative to the benchmark Sensex, which gained 0.54% over the same week, further highlights the challenges it faces in the current market environment.

Which are the latest news on Satin Creditcare?

Who are in the management team of Satin Creditcare?

The management team of Satin Creditcare includes H P Singh (Chairman & Managing Director), Satvinder Singh (Non-Executive Director), and several Independent Directors: Sundeep Kumar Mehta, Sangeeta Khorana, Goh Colin, Sanjay Kumar Bhartia, and Anil Kumar Kalra, along with Vikas Gupta (Company Secretary & Compliance Officer). They are responsible for the company's strategic direction and governance.

The management team of Satin Creditcare includes the following members:<BR><BR>1. **H P Singh** - Chairman & Managing Director<BR>2. **Satvinder Singh** - Non-Executive & Non-Independent Director<BR>3. **Sundeep Kumar Mehta** - Independent Director<BR>4. **Sangeeta Khorana** - Independent Director<BR>5. **Goh Colin** - Independent Director<BR>6. **Sanjay Kumar Bhartia** - Independent Director<BR>7. **Anil Kumar Kalra** - Independent Director<BR>8. **Vikas Gupta** - Company Secretary & Compliance Officer<BR><BR>This team plays a crucial role in guiding the company's strategic direction and governance.

What does Satin Creditcare do?

Satin Creditcare Network Ltd is a leading microfinance institution in India, providing loans primarily to urban shopkeepers. As of June 2026, it reported net sales of ₹762 crore and a net profit of ₹123 crore, with a market cap of ₹2,461 crore.

Overview: <BR>Satin Creditcare Network Ltd is a leading microfinance institution in India, operating within the finance industry and classified as a small-cap company.<BR><BR>History: <BR>Satin Creditcare Network Limited was incorporated in 1990 as a Non-Banking Finance Company (NBFC) focused on providing individual loans to urban shopkeepers for small businesses. The latest quarterly results reported net sales and net profit for June 2026.<BR><BR>Financial Snapshot: <BR>Net Sales: 762 Cr (Quarterly Results - Jun 2026) <BR>Net Profit: 123 Cr (Quarterly Results - Jun 2026) <BR>Market Cap: INR 2,461 Cr (Small Cap)<BR><BR>Key Metrics: <BR>P/E: 6.00 <BR>Industry P/E: 21 <BR>Dividend Yield: 0.00% <BR>Debt Equity: 3.84 <BR>Return on Equity: 11.60% <BR>Price to Book: 0.86 <BR><BR>Contact Details: <BR>Address: 5th Flr Kundan Bhavan Azadpur, Commercial Complex New Delhi New Delhi : 110033 <BR>Tel: 91-11-47545000 <BR>Email: info@satincreditcare.com <BR>Website: http://www.satincreditcare.com

Who are the peers of the Satin Creditcare?

Satin Creditcare's peers include HUDCO, Indian Renewable, CreditAcc. Gram., IFCI, Muthoot Microfin, and others. It has a Below Average management risk and a 1-year return of 58.41%, outperforming peers like IFCI and Guj. State Fin.

Peers: The peers of Satin Creditcare are HUDCO, Indian Renewable, CreditAcc. Gram., IFCI, Tour. Fin. Corp., Muthoot Microfin, Fusion Finance, Spandana Sphoort, and Guj. State Fin.<BR><BR>Quality Snapshot: Excellent management risk is observed at CreditAcc. Gram., while Average management risk is found at HUDCO, Indian Renewable, Muthoot Microfin, Fusion Finance, and Spandana Sphoort, and the rest. Below Average management risk is noted at IFCI, Satin Creditcare, and Tour. Fin. Corp. Good growth is seen at Indian Renewable, CreditAcc. Gram., and Satin Creditcare, while Average growth is present at HUDCO and IFCI, and the rest. Below Average growth is noted at Muthoot Microfin, Fusion Finance, Spandana Sphoort, and Tour. Fin. Corp. Excellent capital structure is found at CreditAcc. Gram., IFCI, Muthoot Microfin, Fusion Finance, Satin Creditcare, Spandana Sphoort, and Tour. Fin. Corp., while Good capital structure is observed at Indian Renewable, and the rest.<BR><BR>Return Snapshot: The peer with the highest 1-year return is IFCI at 43.60%, while Guj. State Fin. has the lowest at -27.20%. Satin Creditcare's 1-year return is 58.41%, which is higher than both of these peers. Additionally, peers with a negative six-month return include HUDCO, Indian Renewable, Muthoot Microfin, Fusion Finance, Spandana Sphoort, and Guj. State Fin.

How big is Satin Creditcare?

As of 14th August, Satin Creditcare Network Ltd has a market capitalization of 2,525.37 Cr, with recent net sales of 3,209.34 Cr and a net profit of 409.76 Cr over the last four quarters.

As of 14th August, <BR><BR>Market Cap: Satin Creditcare Network Ltd has a market capitalization of 2,525.37 Cr, classifying it as a Small Cap company.<BR><BR>Recent Quarterly Performance: The sum of Net Sales for the latest 4 quarters is 3,209.34 Cr, while the sum of Net Profit for the same period is 409.76 Cr.<BR><BR>Balance Sheet Snapshot: The reporting period is March 2026, with Shareholder's Funds amounting to 2,863.40 Cr and Total Assets valued at 14,378.00 Cr.

Are Satin Creditcare Network Ltd latest results good or bad?

Satin Creditcare Network Ltd's latest results show strong year-on-year net profit growth of 172% but a sequential decline in both net profit and interest income, raising concerns about financial leverage with a debt-to-equity ratio of 3.84. While the annual performance is promising, the quarterly declines and high leverage present risks for conservative investors.

Satin Creditcare Network Ltd's latest results present a mixed picture. On one hand, the company achieved a remarkable year-on-year net profit growth of 172%, reaching ₹122.67 crores in Q1 FY27. This indicates strong operational momentum and improved profitability compared to the same quarter last year. Additionally, the interest income also saw an 8.39% increase year-on-year, reflecting growth in its core business.<BR><BR>However, there are significant concerns as well. The company experienced a sequential decline in both net profit and interest income, with net profit dropping by 24.29% and interest income falling by 17.11% compared to the previous quarter. This suggests that while the annual performance is strong, the quarterly results may have been impacted by seasonal factors typical in the microfinance sector.<BR><BR>Another critical issue is the elevated debt-to-equity ratio of 3.84 times, which raises concerns about the company's financial leverage and potential risks during market disruptions. Although the return on equity improved to 11.60%, which is a positive sign, the five-year average ROE of 7.74% still lags behind industry benchmarks.<BR><BR>Overall, while the strong year-on-year growth is encouraging, the sequential declines and high leverage present challenges that conservative investors may find concerning. The investment case for Satin Creditcare is compelling due to its attractive valuation, but it comes with notable risks that need to be monitored closely.

Should I buy, sell or hold Satin Creditcare Network Ltd?

When is the next results date for Satin Creditcare Network Ltd?

The next results date for Satin Creditcare Network Ltd is 11 May 2026.

The next results date for Satin Creditcare Network Ltd is scheduled for 11 May 2026.

Is Satin Creditcare overvalued or undervalued?

As of December 4, 2025, Satin Creditcare is considered very attractive and undervalued, with a PE ratio of 12.04, a Price to Book Value of 0.62, and an EV to EBIT of 6.59, significantly cheaper than peers like Bajaj Finance and Bajaj Finserv, despite a recent stock decline of 10.20% compared to the Sensex's 5.32% gain.

As of 4 December 2025, the valuation grade for Satin Creditcare has moved from attractive to very attractive, indicating a significant improvement in its valuation outlook. The company is currently assessed as undervalued. Key ratios include a PE ratio of 12.04, a Price to Book Value of 0.62, and an EV to EBIT of 6.59, all suggesting that the stock is trading at a discount relative to its earnings and book value.<BR><BR>In comparison to peers, Satin Creditcare's valuation metrics stand out, particularly against Bajaj Finance, which has a PE ratio of 34.9, and Bajaj Finserv, with a PE of 33.78. This highlights that Satin Creditcare is significantly cheaper than these competitors, reinforcing its undervalued status. Despite recent stock performance lagging behind the Sensex, particularly over the past year with a decline of 10.20% compared to the Sensex's 5.32% gain, the fundamental valuation metrics suggest a strong potential for recovery and growth.

Is Satin Creditcare technically bullish or bearish?

As of December 3, 2025, Satin Creditcare's technical trend has shifted to a bearish stance, supported by daily moving averages, a bearish weekly RSI, and a bearish monthly MACD, despite a mildly bullish weekly KST.

As of 3 December 2025, the technical trend has changed from mildly bearish to bearish. The current stance is bearish with moderate strength. Key indicators driving this include the daily moving averages indicating bearish momentum, a weekly RSI showing bearish conditions, and a monthly MACD that is bearish. Additionally, Bollinger Bands on the monthly chart confirm a bearish trend. Despite a mildly bullish weekly KST, the overall technical landscape suggests a bearish outlook for Satin Creditcare.

How has been the historical performance of Satin Creditcare?

Satin Creditcare has shown steady growth in net sales and total operating income from March 2019 to March 2025, but has faced volatility in profitability, with significant declines in profit before and after tax in 2025, alongside increasing total liabilities and negative cash flow from operations.

Answer:<BR>The historical performance of Satin Creditcare shows significant fluctuations in its financial metrics over the years, particularly from March 2019 to March 2025.<BR><BR>Breakdown:<BR>Satin Creditcare's net sales have shown a steady increase, rising from 1,442.61 crore in March 2019 to 2,594.69 crore in March 2025. Total operating income followed a similar trend, reaching 2,594.69 crore in March 2025, up from 1,442.61 crore in March 2019. However, the company's operating profit (PBDIT) has experienced volatility, peaking at 1,506.57 crore in March 2024 before dropping to 1,311.65 crore in March 2025. Profit before tax also saw a decline from 582.89 crore in March 2024 to 235.77 crore in March 2025, while profit after tax decreased from 435.94 crore to 186.13 crore in the same period. The company's total liabilities increased significantly from 7,299.62 crore in March 2020 to 11,542.59 crore in March 2025, with total debt rising from 5,541.51 crore to 8,791.44 crore. Cash flow from operating activities has been negative in recent years, with a notable outflow of 563 crore in March 2025, although the company reported a net cash inflow of 305 crore for the same period. Overall, while Satin Creditcare has grown its sales and operating income, it faces challenges in profitability and cash flow management.

Who are the top shareholders of the Satin Creditcare?

The top shareholders of Satin Creditcare include Trishashna Holdings & Investments Private Limited with 34.32%, Florintree Ventures LLP with 11.14%, and individual investors holding 21.21%. Additionally, 38 foreign institutional investors hold 4.52%, and a mutual fund has 1.35%, with no pledged promoter holdings.

The top shareholders of Satin Creditcare include Trishashna Holdings & Investments Private Limited, which holds the largest stake at 34.32%. Following that, Florintree Ventures LLP is the highest public shareholder with an 11.14% stake. Additionally, individual investors collectively hold 21.21% of the shares. The company also has 38 foreign institutional investors (FIIs) with a combined holding of 4.52%, and there is a mutual fund that holds 1.35% through one scheme. Notably, there are no pledged promoter holdings.

Has Satin Creditcare declared dividend?

No Dividend History Available