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Satin Creditcare share price

Satin Creditcare Network Ltd.

NSE: SATIN BSE: 539404 SECTOR: Finance Term Lending  67.51 K   116   18

146.59
-0.35 (-0.24%)
NSE: 11 Sep 4:00 PM

Price Summary

Today's High

₹ 148

Today's Low

₹ 146.11

52 Week High

₹ 219

52 Week Low

₹ 131.8

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationFair
The stock’s market price justifies its intrinsic value.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsVery Stable
The company possesses stable growth history and sound margins.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

1619.39 Cr.

Advances

8574.82 Cr.

No. of Shares

11.05 Cr.

P/E

10.34

P/B

0.56

Face Value

₹ 10

Div. Yield

0 %

Book Value (TTM)

₹  261.23

Operating Revenue

2377.82 Cr.

Net Profit

216.56 Cr.

Promoter Holding

36.17 %

EPS (TTM)

₹  14.17

Sales Growth

15.8

ROE

7.86 %

ROCE

11.54%

Profit Growth

-48.78 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.
* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

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Ratios

Income Growth

1 Year15.8%
3 Year23.51%
5 Year11.16%

Profit Growth

1 Year-48.78%
3 Year75.27%
5 Year6.74%

ROE%

1 Year7.86%
3 Year13.94%
5 Year8.7%

ROCE %

1 Year11.54%
3 Year13.5%
5 Year11.61%

ROA%

2.0657

PEG Ratio

NA

PAT Margin (%)

9.1076

EPS Growth(%)

NA

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Jun 2025 36.17 0.00
Mar 2025 36.17 0.00
Dec 2024 36.17 0.00
Sep 2024 36.17 0.00
Jun 2024 36.17 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • Company has maintained a good ROA of 3.45733333333333% in last 3 years.
  • The company is trading at 0.5548 times the book value
  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 23.5126704406465%.
  • The company has delivered substantial profit growth of 75.2650176518537% over past 3 years.
  • The company boasts a well-maintained advances growth ratio of 20.5276056473535%.

 Limitations

  • PAT margin has shrunk by 11.4847%.
  • Provision and contingencies have increased by 256.231482314188%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
Operating Revenue 581.92 600.46 631.3 559.8 641.43
Other Income 0.19 0.45 0.77 1.87 0.56
Interest Expended 229.49 242.68 242.02 235.57 266.74
Operating Expenses 210.08 295.13 366.72 298.49 315.27
Total Provisions 0 0 0 0 0
Depreciation 5.01 5.67 6.32 6.6 5.37
Profit Before Tax 137.54 57.43 17.02 21 54.63
Tax 34.93 15.87 -14.33 -20.05 12.03
Net Profit 102.61 41.56 31.35 41.05 42.6
Adjusted EPS (RS) 9.32 3.78 2.85 3.73 3.87

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Operating Income 1271.57 1261.95 1752.92 2053.41 2377.82
Other Income 6.54 4.03 201.13 13.1 3.32
Interest 617.61 606.41 576.02 832.84 949.76
Operating Expenses 361.32 412.54 428.89 501.15 670.39
Total Provisions 308.95 187.66 608.13 166.67 528.01
Exceptional Items 0 0 0 0 0
Profit Before Tax -9.76 59.36 341 565.85 232.98
Tax 3.79 19.14 76.67 143.01 16.42
Profit After Tax -13.55 40.23 264.33 422.84 216.56
Adjusted EPS (Rs.) -2.04 5.4 31.19 38.44 19.69

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity and Liabilities
Share Capital 66.47 74.59 84.8 110.04 110.04
Total Reserves 1424.58 1531.66 1828.92 2557.3 2733.23
Borrowings 5815.74 4736.28 4289.47 3819.84 3677.01
Other N/C liabilities -32.94 -60.35 9.49 86.3 32.51
Current liabilities 554.56 1025.12 1432.71 3507.53 4333.51
Total Liabilities 7828.42 7307.29 7645.4 10081.01 10886.31
Assets
Loans 5514.96 4897.4 5684.21 7951.44 8574.82
Net Block 93.67 81.14 84.74 86.82 88.17
Capital WIP 3.65 0.18 0 0 0.3
Intangible WIP 0 0 0 0 0
Investments 282.61 335.58 741.52 824.81 895.76
Other Loans 4.66 3.54 35.81 0 0
Other N/C Assets 14.52 30.55 17.19 191.47 137.67
Current Assets 1914.35 1958.91 1081.93 1026.46 1189.59
Total Assets 7828.42 7307.29 7645.4 10081.01 10886.31
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Jun 2024% Sep 2024% Dec 2024% Mar 2025% Jun 2025%
promoters 36.17 36.17 36.17 36.17 36.17
anureet hp singh 0.66 0.66 0.66 0.66 0.66
late harbans singh 0.37 0.37 0.37 0.37 0.37
neeti singh 0.18 0.18 0.18 0.18 0.18
satvinder singh 0.35 0.35 0.35 0.35 0.35
trishashna holdings & inv... 34.32 34.32 34.32 34.32 34.32
wisteria holdings & inves... 0.29 0.29 0.29 0.29 0.29
PARTICULARS Jun 2024% Sep 2024% Dec 2024% Mar 2025% Jun 2025%
investors 63.83 63.83 63.83 63.83 63.83
bandhan small cap fund 1.00 1.07 1.28 1.35 1.40
bhawani finvest pvt ltd 1.99 1.99 2.25 2.62 2.58
florintree ventures llp 11.14 11.14 11.14 11.14 11.14
icici prudential life ins... 1.92 1.87 1.87 1.87 1.87
indusind bank limited tre... 1.98 1.98 1.98 1.98 1.98
linkage securities privat... 2.03 2.04 2.34 2.66 2.66
llp 13.78 13.76 13.67 13.66 13.72
massachusetts institute o... 1.81 1.81 1.81 1.81 1.81
rajsonia consultancy serv... 2.26 2.26 2.60 2.94 2.80
trust team investors limi... 1.13 1.13 1.18 1.19 1.17
evli emerging frontier fu... 3.17 2.28 - - -

Annual Reports

Title Link
Title Link
Annual Report 2023
Annual Report 2022
Annual Report 2021
Annual Report 2020
Annual Report 2019
Annual Report 2018
Annual Report 2017

Ratings & Research Reports

TYPE AGENCY Link
TYPE AGENCY Link
Credit ICRA
Credit ICRA
Credit CRISIL
Credit ICRA
Credit CARE
Credit CARE
Credit CARE
Credit BRICKWORK
Credit ICRA
Credit CARE
Credit CARE
Credit CARE RATINGS
Credit CARE RATINGS
Credit CRISIL
Credit CARE
Credit ICRA
Credit ICRA
TYPE AGENCY Link
TYPE AGENCY Link
Research Nuvama
Research HDFC Securities
Research HDFC Securities
Research HDFC Securities

Concalls & Presentations

TYPE QUARTER Link
TYPE QUARTER Link
Concall Q4FY24
Concall Q4FY22
Concall Q3FY24
Concall Q3FY22
Concall Q2FY24
Concall Q1FY25
Concall Q1FY24
Concall Q1FY21
TYPE QUARTER Link
TYPE QUARTER Link
Presentation Q4FY24
Presentation Q4FY22
Presentation Q4FY21
Presentation Q3FY24
Presentation Q2FY24
Presentation Q2FY20
Presentation Q1FY24
Presentation Q1FY24
Presentation Q1FY22
Presentation Q1FY22
Presentation Q1FY21
Presentation H1FY24

Company News

Satin Creditcare Stock Price Analysis and Quick Research Report. Is Satin Creditcare an attractive stock to invest in?

Stock investing requires careful analysis of financial data to determine a company's true net worth. This is generally done by examining the company's profit and loss account, balance sheet and cash flow statement, which can be time-consuming and cumbersome.

Examining a company's financial ratios is an easier way to determine its performance, which can help to make sense of the overwhelming amount of information in its financial statements. 

Here are a few indispensable ratios that should be a part of every investor’s research process, or, in simpler words, how to analyse Satin Creditcare. 

Key Financials -

  • Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of Satin Creditcare is Rs 216.5623 Cr. and the compounded growth of profit in the past 3 years is 75.2640341917213%. The PAT margin of Satin Creditcare is 9.1076%.
  • EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In Satin Creditcare , the EPS declined by -48.7844% YOY. 

 Financial Ratios -

  • Return on Equity (ROE): Satin Creditcare has a poor ROE track record. The ROE of Satin Creditcare is at 7.8606% for the latest year.
  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of Satin Creditcare is worth at the current levels at Rs 146.59. Satin Creditcare is trading at a current P/E ratio of 7.283 and the average historical P/E for the last 5 years was 7.15139379991476.
  • P/B ratio can be one of the best metrics to value such companies. Currently, Satin Creditcare is trading at a P/B of 0.561147636683797. The average historical P/B for the last 5 years was 0.573260648859774. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

One can find all the Financial Ratios of Satin Creditcare in Ticker for free. Also, one can get the intrinsic value of Satin Creditcare by using Valuation Calculators, which are available with a Finology ONE subscription. 

Satin Creditcare FAQs

Q1. What is Satin Creditcare share price today?
Ans: The current share price of Satin Creditcare is Rs 146.59.

Q2. What is the market capitalisation of Satin Creditcare?
Ans: Satin Creditcare has a market capitalisation of Rs 1619.393875935 Cr., calculated based on its latest share price.

Q3. What are the P/E and P/B ratios of Satin Creditcare?
Ans: The PE ratio of Satin Creditcare is 10.344219261601 and the P/B ratio of Satin Creditcare is 0.561147636683797, showing how the stock is valued against its earnings and book value.

Q4. What is the 52-week high and low of Satin Creditcare share?
Ans: The 52-week high share price of Satin Creditcare is Rs 219, and the 52-week low share price of Satin Creditcare is Rs 131.8.

Q5. Does Satin Creditcare pay dividends?
Ans: Currently, Satin Creditcare does not pay dividends. Dividend yield of Satin Creditcare is around 0%.

Q6. What are the face value and book value of Satin Creditcare shares?
Ans: The face value of Satin Creditcare shares is Rs 10, while the book value per share of Satin Creditcare is around Rs 261.2325. Face value is the nominal value set by the company, whereas book value reflects its accounting worth. 

Q7. What are the ROE and ROCE of Satin Creditcare?
Ans: The ROE of Satin Creditcare is 7.8606% and ROCE of Satin Creditcare is 11.5361%. ROE shows how efficiently the company is generating profit from shareholders’ equity, while the ROCE is reflects how efficiently the company uses its capital to generate returns.

Q8. Is Satin Creditcare a good buy for the long term?
Ans: The Satin Creditcare long-term outlook depends on debt levels, earnings growth, and sector trends. If it sustains profits and manages debt well, it may be considered for long-term investment.

Q9. Is Satin Creditcare undervalued or overvalued?
Ans: Based on valuation ratios like P/E, P/B, and EV/EBITDA, one can analyse whether the Satin Creditcare appears undervalued or overvalued at current levels. You can check detailed valuation metrics and peer comparisons on Finology Ticker.

Q10. How to check Satin Creditcare’s financials?
Ans: You can review Satin Creditcare’s financial statements - including balance sheet, income statement, and quarterly results - on Finology Ticker.

Last Updated on:
Brief about Satin Creditcare
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