Satin Creditcare logo

Satin Creditcare

SATIN NSE
₹228.09 4.21 (1.88%)
Market Cap
₹2,520 Cr
P/E
6.15

Satin Creditcare (SATIN) share price was ₹228.09 at the 28 Oct 2026 close; market capitalisation ₹2,520 Cr; P/E (TTM) 6.15; sector Financial Services. The share price rose 44.3% over the year to 28 Oct 2026 (adjusted for splits and bonuses). In the Jun 2026 quarter, revenue rose 8.4% year on year to ₹762 Cr and net profit rose 172.1% year on year to ₹122.7 Cr (compared with Jun 2025). Promoters held 36.17% of Satin Creditcare in Sep 2026, unchanged from Jun 2026. Its Tapetide Score is 52/100 (Average) as of 28 Oct 2026.

Close 28 Oct 2026 ₹228.09 +70.04 +44.32% 1Y

Key Fundamentals

MicrocapFinanceFinancial Services
Market Cap
₹2,520 Cr
P/E (TTM)
6.15
EBITDA
₹1,774 Cr
Return on Equity
11.59%
Debt to Equity
3.66
Book Value
₹259.24
EPS (TTM)
₹37.09
52W High
₹274.14
52W Low
₹135.81

Price-based figures as of 28 Oct 2026, 15:58 IST · EPS basis: Consolidated · TTM

Peer Comparison

Financial Services › Microfinance › Microfinance Institutions

CreditAccess Grameen
₹1,022.2010.3316,405 Cr1.840.99%9.92%9.35%6,779 Cr1,587 Cr
Satin Creditcare (this company)
₹228.096.152,520 Cr0.880.00%11.59%12.85%3,218 Cr410 Cr
Muthoot Microfin
₹140.959.792,403 Cr0.840.00%5.97%8.68%2,492 Cr245 Cr
Fusion Finance
₹135.1912.952,189 Cr0.890.00%0.56%5.93%1,745 Cr168 Cr
Spandana Sphoorty Financial
₹194.50——0.950.00%-32.83%-6.87%1,066 Cr-327 Cr
Median 5 companies₹194.5010.062,461 Cr0.890.00%5.97%8.68%2,492 Cr245 Cr

Comparable companies in the same industry. Market cap, P/E and P/B use the live price; other metrics are as reported in filings. A dash means the figure is not published for that company.

Tapetide Score

Data-driven rating, 0–100. How it works →

As of 2026-10-28
v2.0.0
52 Average
Overall score
Data confidence 94/100

Category scores

Quality Weak 44
Returns, margins, earnings quality 22%
Valuation Average 52
Cheap vs sector & own history 24%
Growth Strong 71
Sales & profit trajectory 9%
Financial Health Poor 36
Solvency, leverage, coverage 9%
Momentum Strong 87
Trend strength, vol-adjusted 12%
Ownership Weak 39
FII/DII/promoter flows 24%

The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

Key Insights

Strengths

2
  • Stock is trading at 0.84 times its book value
  • Company has delivered good profit growth of 91.3% CAGR over last 5 years

Weaknesses

4
  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • Company has a low return on equity of 13.3% over last 3 years.
  • Promoter holding has decreased over last 3 years: -3.81%

Technical Indicators

Oscillators

BearishNeutralBullish

Neutral

Bearish
1
Neutral
7
Bullish
1

Overall

BearishNeutralBullish

Bullish

Bearish
2
Neutral
7
Bullish
10

Moving Averages

BearishNeutralBullish

Bullish

Bearish
1
Neutral
0
Bullish
9
Analyst Rating
Based on 1 analysts
BUY SHARE100%

1 of 1 analyst rates Buy, 0 Hold, 0 Sell.

Updated 28 Oct 2026

BUY
1
100%
HOLD
0
0%
SELL
0
0%

Growth Rate

Revenue Growth
22.58% lower than 3Y

change over 1 year

Net Income Growth
78.51% lower than 3Y

change over 1 year

Cash Flow Change
-72.85%

change over 1 year

EBITDA Margin Change
10.32%

change over 1 year

Analyst Forecasts

Forecast For
FY27 consensus · EPS
₹41 +35.8% vs FY26
Reported High Mean Low

Quarterly Results

Particulars Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
462
538
596
642
633
657
684
615
703
788
740
920
762
Expenses
156
173
192
217
237
323
398
327
346
373
355
320
345
Financing Profit
121
148
156
173
145
68
19
24
60
71
96
218
167
Fin. Margin %
26%
28%
26%
27%
23%
10%
3%
4%
8%
9%
13%
24%
22%
Other Income
1
1
1
5
2
1
4
1
5
5
5
3
3
Interest
185
217
247
252
251
266
268
264
297
344
289
381
251
Depreciation
4
6
6
6
6
7
7
8
6
7
8
9
8
PBT
118
143
151
171
141
62
15
18
58
69
93
212
161
Tax %
25%
25%
25%
25%
25%
27%
5%
-20%
22%
23%
23%
24%
24%
Net Profit
88
107
113
128
105
45
14
22
45
53
72
162
123
EPS (₹)
9.93
10.72
10.24
11.61
9.53
4.05
1.29
1.98
4.08
4.81
6.51
14.67
11.1
Figures in ₹ Crores

Profit & Loss

Particulars Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
801
1,031
1,443
1,500
1,377
1,378
1,549
2,234
2,572
3,143
3,209
Expenses
322
365
471
685
737
700
911
733
1,267
1,387
1,393
Financing Profit
44
130
326
225
2
47
22
599
257
445
551
Fin. Margin %
5%
13%
23%
15%
0%
3%
1%
27%
10%
14%
17%
Other Income
0
0
3
4
3
3
2
6
6
18
16
Interest
436
536
646
589
638
631
617
901
1,049
1,311
1,265
Depreciation
6
15
13
18
15
16
18
23
27
30
32
PBT
38
116
316
212
-10
34
5
583
236
432
535
Tax %
34%
35%
36%
27%
43%
39%
8%
25%
21%
23%
—
Net Profit
25
75
201
155
-14
21
5
436
186
332
410
EPS (₹)
4.78
11.43
29.72
21.52
-1.94
2.76
0.56
39.46
16.85
30.07
37.09
Div. Payout %
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
—
Figures in ₹ Crores

Balance Sheet

Particulars Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
37
47
49
52
66
75
85
110
110
110
Reserves
600
838
1,101
1,397
1,420
1,507
1,543
2,291
2,433
2,753
Borrowing
3,889
5,161
5,271
5,542
6,181
5,744
5,911
7,915
8,791
10,991
Other Liabilities
251
253
321
309
377
330
310
174
253
523
Total Liabilities
4,778
6,299
6,741
7,300
8,045
7,655
7,850
10,490
11,587
14,378
Fixed Assets
73
75
81
94
131
126
129
133
137
154
CWIP
12
16
16
34
4
0
0
0
0
12
Investments
21
72
264
246
1
49
62
56
55
151
Other Assets
4,672
6,136
6,380
6,926
7,909
7,481
7,659
10,301
11,395
14,060
Total Assets
4,778
6,299
6,741
7,300
8,045
7,655
7,850
10,490
11,587
14,378
Figures in ₹ Crores

Cash Flow

Particulars Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
-966
-1,541
611
-225
-945
336
-956
-2,069
-563
-974
Investing
-36
-55
-187
56
226
-51
-73
-28
-45
-123
Financing
1,398
1,394
88
243
734
-442
390
2,263
914
1,873
Net Cash Flow
395
-203
512
73
15
-157
-639
166
305
777
Free Cash Flow
-1,003
-1,562
592
-204
-965
331
-966
-2,081
-582
-1,002
Figures in ₹ Crores

Ratios

Particulars Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
4%
10%
20%
12%
-1%
1%
0%
22%
8%
12%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

Log in to view Satin Creditcare insights

75 extracted metrics + investor summaries across FY11–FY27.

Shareholding Pattern

FIIs4.89%Promot.36.17%DIIs6.30%Public16.94%Others35.70%As ofSep 2026

Documents

Frequently Asked Questions about Satin Creditcare

What does Satin Creditcare Network Ltd do?
Satin Network Limited (SCNL) is a leading microfinance institution (MFI) with presence in 23 states & union territory and 95,000 villages. The company offers a bouquet of financial products in the Non‐MFI segment (comprising loans to MSMEs), a housing finance subsidiary, and business corresponden...
Where is Satin Creditcare Network Ltd (SATIN) listed?
Satin Creditcare Network Ltd trades as SATIN on the NSE and under code 539404 on the BSE.
Which sector does Satin Creditcare Network Ltd belong to?
Satin Creditcare Network Ltd is classified under the Financial Services sector, in the Microfinance industry.
What is the market capitalisation of Satin Creditcare Network Ltd?
Satin Creditcare Network Ltd has a market capitalisation of ₹2,520 Cr as of 28 Oct 2026, which places it in the Small Cap band.
What is the PE ratio of Satin Creditcare Network Ltd?
Satin Creditcare Network Ltd trades at a PE ratio of 6.15 as of 28 Oct 2026, on earnings per share of ₹37.09, against a book value of ₹259.24 per share.
What is the 52-week high and low of Satin Creditcare Network Ltd?
Over the last 52 weeks Satin Creditcare Network Ltd has traded between ₹135.81 and ₹274.14 as of 28 Oct 2026.
What is the Return on Equity (ROE) of Satin Creditcare Network Ltd?
Satin Creditcare Network Ltd reported a return on equity of 11.59%. Its debt-to-equity ratio is 3.66.

Company Information

Satin Network Limited (SCNL) is a leading microfinance institution (MFI) with presence in 23 states & union territory and 95,000 villages. The company offers a bouquet of financial products in the Non‐MFI segment (comprising loans to MSMEs), a housing finance subsidiary, and business correspondent services and similar services to other financial Institutions through Taraashna Financial Services Limited (TFSL), a business correspondent company and a 100% subsidiary of SCNL.[1]

Website satincreditcare.com
CEO Dr. Harvinder Pal Singh
Employees 15,189
Listed 2015-08-26
Face Value ₹ 10
Shares Outstanding 11,04,70,965

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