Satin Creditcare

Why is Satin Creditcare Network Ltd falling/rising?

As of 03-Aug, Satin Creditcare Network Ltd's stock price is Rs 231.10, down 3.51%, with an 11.79% decline over the past week. Despite positive financial results, the stock is underperforming due to negative market sentiment.

As of 03-Aug, Satin Creditcare Network Ltd's stock price is falling, currently at Rs 231.10, which reflects a decrease of Rs 8.4 or 3.51%. The stock has been underperforming significantly, with a decline of 11.79% over the past week, while the benchmark Sensex has risen by 2.35%. Additionally, the stock has experienced a consecutive fall over the last two days, resulting in a total drop of 11.27% during this period.<BR><BR>Today's trading performance indicates that the stock has underperformed its sector by 5.09%. It reached an intraday low of Rs 230.25, which is a decline of 3.86%. The weighted average price suggests that more volume was traded closer to this low price, indicating a lack of buying interest at higher levels. Although the stock is trading above its 100-day and 200-day moving averages, it is below its 5-day, 20-day, and 50-day moving averages, which may signal a bearish trend.<BR><BR>Despite the recent negative performance, the company has shown positive financial results over the last four quarters, with net sales growing by 27.56% and profits increasing significantly. However, the current market sentiment appears to be overshadowing these positive fundamentals, contributing to the stock's decline.

Which are the latest news on Satin Creditcare?

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?

How big is Satin Creditcare?

As of 10th June, Satin Creditcare Network Ltd has a market capitalization of 2,683.00 Cr, with recent net sales of 3,155.78 Cr and a net profit of 332.19 Cr. Shareholder's funds are 2,542.86 Cr, and total assets amount to 11,542.59 Cr.

As of 10th June, Satin Creditcare Network Ltd has a market capitalization of 2,683.00 Cr, categorizing it as a Micro Cap company.<BR><BR>In the latest four quarters, Satin Creditcare reported Net Sales of 3,155.78 Cr and a Net Profit of 332.19 Cr.<BR><BR>The latest annual period for the balance sheet is March 2025, with Shareholder's Funds amounting to 2,542.86 Cr and Total Assets valued at 11,542.59 Cr.

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 regulatory compliance.

The management team of Satin Creditcare includes the following key 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 ensuring compliance with regulations.

Who are the peers of the Satin Creditcare?

Satin Creditcare's peers include HUDCO, Indian Renewable, CreditAcc. Gram., IFCI, Muthoot Microfin, and others. In terms of management risk, growth, and capital structure, Satin Creditcare shows below average management risk, average growth, and average capital structure compared to its peers.

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, Spandana Sphoort, and the rest. Below Average management risk is noted for IFCI, Tour. Fin. Corp., and Satin Creditcare. In terms of Growth, Good growth is seen at Indian Renewable, Average growth is noted for Satin Creditcare, HUDCO, and the rest, while Below Average growth is present at IFCI, Tour. Fin. Corp., Muthoot Microfin, Fusion Finance, Spandana Sphoort, and the rest. For Capital Structure, Excellent capital structure is held by CreditAcc. Gram., IFCI, Tour. Fin. Corp., Muthoot Microfin, Fusion Finance, Spandana Sphoort, and the rest, while Good capital structure is noted for HUDCO and Average for Satin Creditcare.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Muthoot Microfin at 33.77%, while the lowest is Indian Renewable at -34.67%. Satin Creditcare's 1-year return of 41.84% is significantly higher than both. Additionally, peers such as Fusion Finance, Spandana Sphoort, and Guj. State Fin. have negative six-month returns.

What does Satin Creditcare do?

Satin Creditcare Network Ltd is a leading microfinance institution in India, providing loans primarily to urban shopkeepers. As of March 2026, it reported net sales of ₹920 Cr and a net profit of ₹162 Cr, with a market cap of ₹2,683 Cr.

Overview: <BR>Satin Creditcare Network Ltd is a leading microfinance institution in India, operating within the finance industry and categorized as a micro-cap company.<BR><BR>History: <BR>Satin Creditcare Network Ltd 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 profit for the period ending March 2026.<BR><BR>Financial Snapshot: <BR>Most recent Net Sales: 920 Cr (Quarterly Results - Mar 2026) <BR>Most recent Net Profit: 162 Cr (Quarterly Results - Mar 2026) <BR>Market-cap value: INR 2,683 Cr (Micro Cap)<BR><BR>Key Metrics: <BR>P/E: 8.00 <BR>Industry P/E: 20 <BR>Dividend Yield: 0.00% <BR>Debt-Equity: 3.84 <BR>Return on Equity: 11.60% <BR>Price to Book: 0.94 <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

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