Satin Creditcare

Why is Satin Creditcare Network Ltd falling/rising?

As of 14-Jun, Satin Creditcare Network Ltd's stock price is rising to 224.10, indicating a potential recovery after recent declines. However, it has underperformed its sector and experienced a significant drop in delivery volume, suggesting reduced investor participation.

As of 14-Jun, Satin Creditcare Network Ltd's stock price is rising, currently at 224.10, with a change of 4.1 (1.86%) upwards. This increase follows a trend reversal after two consecutive days of decline, indicating a potential recovery in the stock's performance. Additionally, the stock reached an intraday high of Rs 228.2, reflecting a gain of 3.73% during the trading day.<BR><BR>Despite this positive movement, it is important to note that the stock has underperformed its sector by 0.47%. The finance/NBFC sector as a whole has gained by 4.2%, suggesting that while Satin Creditcare is experiencing a rise, it is lagging behind its peers. Furthermore, the stock's delivery volume has decreased significantly, falling by 31.68% compared to the 5-day average, which may indicate a decline in investor participation.<BR><BR>Overall, while the stock is currently rising, it is doing so against a backdrop of recent underperformance relative to its sector and declining investor engagement.

Which are the latest news on Satin Creditcare?

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

Are Satin Creditcare Network Ltd latest results good or bad?

Satin Creditcare Network Ltd's latest results show strong growth, with a 640.16% increase in net profit and a 49.48% rise in revenue for Q4 FY26. However, concerns about low return on equity and high debt levels suggest investors should be cautious despite the positive performance.

Satin Creditcare Network Ltd's latest results present a mixed picture. On one hand, the company has reported impressive growth metrics for Q4 FY26, with net profit soaring by 640.16% year-on-year to ₹162.02 crore and revenue increasing by 49.48% year-on-year to ₹919.50 crore. The operating margin also saw significant improvement, rising to 65.38%, which reflects enhanced operational efficiency.<BR><BR>However, beneath these strong headline figures, there are notable concerns. The average return on equity (ROE) is relatively low at 7.81%, which is below industry standards, indicating potential issues with capital efficiency. Additionally, the company's high debt-to-equity ratio of 3.68 times raises concerns about financial leverage and risk.<BR><BR>While the stock trades at an attractive valuation of 7.48 times trailing earnings and 0.87 times book value, the market's cautious stance reflects ongoing quality concerns. Institutional holdings are modest at 8.81%, suggesting a lack of confidence from larger investors.<BR><BR>In summary, while Satin Creditcare's recent performance shows strong operational momentum, the underlying financial metrics and quality concerns suggest that investors should proceed with caution. The results could be seen as a positive turnaround, but sustaining this momentum will be crucial in the coming quarters.

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