Satin Creditcare

When is the next results date for Satin Creditcare?

No Upcoming Board Meetings

Has Satin Creditcare declared dividend?

No Dividend History Available

Who are the peers of the Satin Creditcare?

Satin Creditcare's peers include I R F C, Power Fin. Corpn., REC Ltd, HUDCO, Indian Renewable, CreditAcc. Gram., IFCI, Muthoot Microfin, and Fusion Finance. Management risk varies from excellent to below average among peers, with Satin Creditcare showing below average growth and a 1-year return of -28.52%.

Peers: The peers of Satin Creditcare are I R F C, Power Fin.Corpn., REC Ltd, HUDCO, Indian Renewable, CreditAcc. Gram., IFCI, Muthoot Microfin, and Fusion Finance.<BR><BR>Quality Snapshot: Excellent management risk is observed at Power Fin.Corpn. and REC Ltd, while Average management risk is found at I R F C, HUDCO, Indian Renewable, Muthoot Microfin, and the rest. Good management risk is noted at CreditAcc. Gram., while Below Average management risk is seen at IFCI, Satin Creditcare, Fusion Finance, and the rest. Growth is Excellent at Indian Renewable, Average at I R F C, Power Fin.Corpn., REC Ltd, Muthoot Microfin, and the rest, while Below Average growth is noted at HUDCO, Satin Creditcare, IFCI, Fusion Finance, and the rest. Capital Structure is Excellent at REC Ltd, CreditAcc. Gram., Muthoot Microfin, Satin Creditcare, Fusion Finance, and the rest, while Good is observed at Indian Renewable, and Average at I R F C, Power Fin.Corpn., HUDCO, and the rest.<BR><BR>Return Snapshot: The peer with the highest 1-year return is IFCI at 8.80%, while the peer with the lowest is Fusion Finance at -61.97%. Satin Creditcare's own 1-year return is -28.52%, which is better than Fusion Finance but worse than IFCI. Additionally, the six-month return is negative for Muthoot Microfin, Fusion Finance, and Guj. State Fin.

Who are in the management team of Satin Creditcare?

As of March 2023, 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). This team offers a diverse range of expertise and leadership.

As of March 2023, the management team of Satin Creditcare includes the following individuals:<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 brings a diverse range of expertise and leadership to the company.

What does Satin Creditcare do?

Satin Creditcare Network Ltd is a leading microfinance institution in India, providing individual loans to urban shopkeepers for small businesses. As of March 2025, it reported net sales of ₹6,211 Cr and a net profit of ₹219 Cr, with a market cap of ₹1,794 Cr.

Overview: <BR>Satin Creditcare Network Ltd is a leading microfinance institution in India that provides individual loans to urban shopkeepers for small businesses, operating within the finance industry and classified as a small-cap company.<BR><BR>History: <BR>Satin Creditcare Network Ltd was incorporated in 1990 as a Non-Banking Finance Company (NBFC). It has since evolved into a prominent player in the microfinance sector. The latest quarterly results reported net sales and net profit for the period ending March 2025.<BR><BR>Financial Snapshot: <BR>Net Sales: 6,211 Cr (Quarterly Results - Mar 2025) <BR>Net Profit: 219 Cr (Quarterly Results - Mar 2025) <BR>Market Cap: INR 1,794 Cr (Small Cap)<BR><BR>Key Metrics: <BR>P/E: 10.00 <BR>Industry P/E: 23 <BR>Dividend Yield: 0.00% <BR>Debt Equity: 3.46 <BR>Return on Equity: 7.32% <BR>Price to Book: 0.70 <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 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.

How big is Satin Creditcare?

As of 24th July, Satin Creditcare Network Ltd has a market capitalization of 1,755.00 Cr, with recent net sales of 2,594.70 Cr and a net profit of 186.12 Cr. The company reported shareholder's funds of 2,542.86 Cr and total assets of 11,542.59 Cr.

As of 24th July, Satin Creditcare Network Ltd has a market capitalization of 1,755.00 Cr, categorizing it as a Small Cap company.<BR><BR>In the latest four quarters, Satin Creditcare reported Net Sales of 2,594.70 Cr and a Net Profit of 186.12 Cr.<BR><BR>For the latest annual period, the company reported Shareholder's Funds of 2,542.86 Cr and Total Assets amounting to 11,542.59 Cr.

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.

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.

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.

Are Satin Creditcare Network Ltd latest results good or bad?

Satin Creditcare Network Ltd's latest results show positive growth in net profit and interest earned, but declining profitability metrics, including a significant drop in PAT margin and low return on equity, indicate ongoing challenges. Overall, the sentiment is cautious, with a SELL rating reflecting concerns about financial health.

Satin Creditcare Network Ltd's latest results present a mixed picture. On one hand, the company has shown positive growth in net profit and interest earned, with net profit reaching ₹53.16 crore, an increase of 18.95% year-on-year, and interest earned climbing to ₹787.89 crore, up 19.94% year-on-year. This indicates a healthy expansion of the loan book and demand for microfinance services.<BR><BR>However, profitability metrics raise concerns. The PAT margin has dropped significantly to 6.76%, down from 16.65% in the same quarter last year, reflecting ongoing challenges in maintaining earnings quality. Additionally, the return on equity (ROE) stands at a low 5.13%, which is below industry standards and suggests inefficiencies in capital utilization.<BR><BR>While the company is experiencing some recovery, particularly in sequential profit improvement, the underlying issues of weak margins and low ROE indicate that the financial health of Satin Creditcare is still under pressure. The overall sentiment is cautious, with a classification of below-average quality and a SELL rating reflecting the challenges ahead. Investors may want to approach with caution, considering both the positive growth indicators and the significant concerns regarding profitability and capital efficiency.

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

Why is Satin Creditcare Network Ltd falling/rising?

As of 02-Feb, Satin Creditcare Network Ltd's stock price is 153.15, down 0.42%, and has declined 3.47% over the last two days. Reduced investor participation and concerns about long-term fundamentals contribute to the stock's current weakness.

As of 02-Feb, Satin Creditcare Network Ltd's stock price is currently at 153.15, reflecting a decrease of 0.65 (-0.42%). The stock has been underperforming in recent days, having fallen consecutively for the last two days, resulting in a total decline of 3.47% during this period. Additionally, the stock's performance today has underperformed its sector by 1%. <BR><BR>Investor participation has also decreased, with the delivery volume dropping by 55.31% compared to the 5-day average, indicating reduced interest from investors. Although the stock is trading above its 20-day, 50-day, 100-day, and 200-day moving averages, it is below the 5-day moving average, suggesting a short-term weakness.<BR><BR>Despite some positive financial results reported on December 25, including a highest profit before tax of Rs 87.92 crore and a highest profit after tax of Rs 71.91 crore, the stock has generated only a 5.04% return over the past year, while profits have fallen by 34.3%. This decline in profitability, coupled with a weak long-term fundamental strength indicated by an average Return on Equity (ROE) of 7.81%, contributes to the perception that the stock may not be a strong investment at this time. <BR><BR>Overall, the combination of recent price declines, reduced investor participation, and concerns about long-term fundamentals are driving the stock's current downward movement.

Which are the latest news on Satin Creditcare?