Satin Creditcare Network (SATIN) had a P/E of 5.4× on 6 Nov 2026. It earns ROE of 18%. ROCE and debt-to-equity are not meaningful for banks and lenders; it trades at 0.91× book value. It is a small-cap company with a market cap of ₹2,887 Cr, ranked 34th of 193 Credit Services companies by market cap; the shares rose 73% over the past year.
- ₹259.00
- ₹264.00
- ₹257.01
- ₹261.04
- 4 L
Health check
- ReturnsAhead
+72.8% over a year, better than 7 of 7 peers.
- Price tagCheaper
P/B 0.91 vs peer median 2.62.
- GrowthStrong
Profit +310.1% a year over 3 years.
- ProfitabilityAverage
ROE 18.4% vs peer median 18.7%.
- Balance sheetSolid
Return on assets 3.70%. Bad-loan data isn’t covered.
- Red flagsNone found
No warning signs in the headline numbers.
Small cap
Defensive
Key metrics
- Market cap
- ₹2,887 Cr
- Small cap
- P/E
- 5.4
- Industry 15.5
- Price to book
- 0.91
- Peers 2.62
- Dividend yield
- 0.00%
- ROE
- 18.4%
- Peers 18.7%
- ROCE
- n/m
- Not meaningful for lenders
- Debt to equity
- n/m
- Not meaningful for lenders
- EPS (TTM)
- ₹48.41
- Face value ₹10
- OPM (TTM)
- 23.0%
- Net margin 30.5%
- Sales growth
- n/m
- Not meaningful for lenders
- Profit growth
- +230.8%
- Latest quarter vs a year ago
- Price to sales
- 1.65
Strengths and risks
Strengths
- Return on equity of 18.4%.
- Quarterly profit up 230.8% on a year ago.
About Satin Creditcare Network
Satin Creditcare Network Limited, a non-banking finance company, provides micro finance services in India. The company offers microcredit to economically active women in rural, semi-urban, and urban regions; loans for income generating purposes, such as agriculture, transportation, trading, and production related business activities; water and sanitation loans; loans for clean energy and various business needs; and loans to corporate institutions and…
- Headquarters
- Gurugram
- Sector
- Financial Services
- ISIN
- INE836B01017
- Website
- satincreditcare.com
Price range
- Avg volume (3M)
- 5 L
- 1-year return
- plus 72.8%
- From 52-week high
- minus 4.2%
Peers · Credit Services
| Company | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCEBajaj Finance | 1,087.75 | plus 1.66% | 6,77,005 | 31.3 | 5.49 | 19.0% | 3.8% | 18.2% | 0.50% | plus 1.2% |
| SHRIRAMFINShriram Finance | 961.15 | minus 0.30% | 2,26,167 | 16.0 | 2.03 | 14.8% | 3.9% | 18.6% | 1.80% | plus 21.0% |
| CHOLAFINCholamandalam Investment and Finance Company | 1,785.00 | plus 1.42% | 1,53,103 | 24.5 | 4.41 | 20.6% | 2.6% | 25.2% | 0.11% | plus 0.8% |
| TATACAPTata Capital | 358.05 | plus 2.93% | 1,50,979 | 25.4 | 3.10 | 14.1% | 2.2% | – | 0.16% | plus 5.6% |
| MUTHOOTFINMuthoot Finance | 2,869.00 | plus 1.06% | 1,15,181 | 9.4 | 2.62 | 31.6% | 6.3% | 43.1% | 1.05% | minus 11.0% |
| PFCPower Finance Corporation | 328.80 | minus 0.18% | 1,08,507 | 4.1 | 0.74 | 18.7% | 2.7% | 17.7% | 4.99% | minus 16.9% |
| IRFCIndian Railway Finance Corporation | 80.43 | plus 0.37% | 1,05,110 | 14.3 | 1.73 | 12.6% | 1.4% | 4.4% | 2.74% | minus 34.4% |
| SATINSatin Creditcare Network | 262.51 | plus 0.56% | 2,887 | 5.4 | 0.91 | 18.4% | 3.7% | 310.1% | 0.00% | plus 72.8% |
| Median of 7 peers | – | 1.06% | 1,50,979 | 16.0 | 2.62 | 18.7% | 2.7% | 18.4% | 1.05% | 0.8% |
Quarterly results
| ₹ Cr | Jun 25 | Sep 25 | Dec 25 | Mar 26 | Jun 26 | Sep 26 |
|---|---|---|---|---|---|---|
| – | 620 | 621 | 640 | 723 | 763 | |
| – | 498 | 502 | 527 | 488 | 598 | |
| – | 122 | 119 | 112 | 235 | 165 | |
| – | 19.7% | 19.2% | 17.6% | 32.5% | 21.7% | |
| – | – | −12.8 | −89.5 | 2.7 | 7.6 | |
| 6.2 | – | 8.1 | 9.1 | 7.9 | 9 | |
| −93.6 | 15.7 | −4.9 | 198 | −68.8 | 70.8 | |
| 58.1 | – | 93.1 | 212 | 161 | 235 | |
| 22.3% | – | 22.8% | 23.6% | 23.9% | 25.0% | |
| 45.1 | – | 71.9 | 162 | 123 | 176 | |
| 4.10 | – | 6.54 | 14.73 | 11.15 | 15.98 |
Profit & loss
- Profit CAGR 3Y
- +310.1%
- EPS CAGR 3Y
- +271.2%
- ROE
- 18.4%
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 1,275 | 1,860 | 2,224 | 2,404 | |
| – | +45.9% | +19.6% | +8.1% | |
| 1,250 | 1,192 | 1,958 | 1,938 | |
| 25 | 668 | 266 | 466 | |
| 2.0% | 35.9% | 11.9% | 19.4% | |
| 392 | 90.9 | 509 | 219 | |
| 1.4 | 2.4 | 2.6 | 3.2 | |
| 18.4 | 22.7 | 27.3 | 30.3 | |
| −392 | −151 | −509 | −219 | |
| 5.2 | 583 | 236 | 432 | |
| 8.2% | 25.2% | 21.1% | 23.1% | |
| 4.8 | 436 | 186 | 332 | |
| – | +8957.3% | minus 57.3% | +78.5% | |
| 0.59 | 43.27 | 16.92 | 30.20 |
Forecast
Balance sheet
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 84.8 | 110 | 110 | 110 | |
| 1,543 | 2,291 | 2,433 | 2,753 | |
| 5,911 | 7,910 | 8,791 | 10,991 | |
| 310 | 174 | 258 | 532 | |
| 7,850 | 10,485 | 11,592 | 14,387 | |
| 86.8 | 91.8 | 97 | 118 | |
| – | 0.1 | 0.3 | 7.3 | |
| 347 | 278 | 191 | 230 | |
| 852 | 1,080 | 1,279 | 2,237 | |
| 6,564 | 9,035 | 10,025 | 11,794 | |
| 7,850 | 10,485 | 11,592 | 14,387 |
Cash flow
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| −956 | −2,069 | −563 | −974 | |
| −72.9 | −24.2 | −45.4 | −123 | |
| 390 | 2,259 | 914 | 1,873 | |
| −639 | 166 | 305 | 777 | |
| −9.9 | −13.1 | −19.8 | −28.7 | |
| −966 | −2,082 | −583 | −1,003 |
Shareholding pattern
NSE hasn’t returned a shareholding pattern for this company. Institutions hold about 7.2% (Yahoo estimate).
Major shareholders
Filings & events
News
No recent news coverage found.