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Satin Creditcare Network Ltd

SATIN Share Price

147.320.37% (+0.55)
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With a market cap of ₹1,614 cr, stock is ranked 1,262

Stock is 2.44x as volatile as Nifty

SATIN Stock Scorecard

Performance

Low

Hasn't fared well - amongst the low performers

Valuation

Avg

Can be considered moderately valued vs the market

Growth

Avg

Financials growth has been moderate for a few years

Profitability

Avg

Average profitability - not good, not bad

Entry point

Good

The stock is underpriced and is not in the overbought zone

Red flags

Low

No red flag found

How to use scorecard? Learn more

With a market cap of ₹1,614 cr, stock is ranked 1,262

Stock is 2.44x as volatile as Nifty

SATIN Performance & Key Metrics

SATIN Performance & Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
12.820.63
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
16.972.301.04%

SATIN Analyst Ratings & Forecast

Detailed Forecast Detailed Forecast 
67%
Analysts have suggested that investors can buy this stock

from 3 analysts

Price Upside

Earnings Growth

Rev. Growth

See Detailed Forecast

SATIN Company Profile

Satin Creditcare Network Ltd operates as a Non-Banking Finance Company.It provides individual loans to urban shopkeepers to purchase generators for their businesses and rural poor to meet their productive requirements in starting new businesses.

Investor Presentation

View older View older 

Aug 8, 2025

PDF
View Older Presentations

SATIN Similar Stocks (Peers)

Compare with peers Compare with peers 

SATIN Similar Stocks (Peers)

Compare with peers Compare with peers 
PE Ratio
37.76
37.76
1Y Return
36.58%
36.58%
Buy Reco %
58.06
58.06
PE Ratio
124.24
124.24
1Y Return
9.56%
9.56%
Buy Reco %
50.00
50.00
PE Ratio
29.96
29.96
1Y Return
1.17%
1.17%
Buy Reco %
61.76
61.76
PE Ratio
22.11
22.11
1Y Return
48.41%
48.41%
Buy Reco %
75.00
75.00
PE Ratio
12.28
12.28
1Y Return
9.61%
9.61%
Buy Reco %
83.33
83.33
Compare with Peers

SATIN Sentiment Analysis

SATIN Sentiment Analysis

New
Crisp summary & key insights to decode earnings calls instantly

SATIN Stock Summary · August 2025

Satin Creditcare Network Limited has demonstrated resilience amid sector challenges, achieving its 16th consecutive profitable quarter with a 6.8% year-on-year growth in assets under management. Despite facing seasonal pressures linked to agriculture, the company has maintained strong financial metrics, including a robust capital adequacy ratio of 26% and effective risk management practices that have kept delinquency rates low. The strategic focus on diversifying into affordable micro housing and supporting women-led enterprises underscores its commitment to social responsibility and market inclusion. As it expands into new regions and enhances its governance, the company is well-positioned to capitalize on the growing demand for microfinance solutions in underserved markets.

SATIN Stock Growth Drivers
SATIN Stock Growth Drivers
6
  • Strong Financial Performance

    Satin Creditcare Network Limited has demonstrated robust financial metrics, achieving an average Return on Assets

  • Commitment to Inclusion and Innovation

    The company has emphasized its commitment to inclusion and innovation, particularly through the launch of

SATIN Stock Challenges
SATIN Stock Challenges
4
  • Challenges in Agricultural Sector Exposure

    The company has faced significant challenges in the current quarter due to a large portion

  • Increased Loan Loss Ratio and Write-Offs

    The loan loss ratio on a standalone basis was reported at 4.84%, indicating a deterioration

SATIN Forecast

SATIN Forecasts

Price

Revenue

Earnings

SATIN

SATIN

Income

Balance Sheet

Cash Flow

SATIN Income Statement

SATIN Income Statement

Industry refers to the sub-sector this company belongs to.
Lower than Industry Revenue Growth
A higher-than-industry revenue growth represents increased potential for the company to increase their market share

Over the last 5 years, revenue has grown at a yearly rate of 11.59%, vs industry avg of 16.15%

Decreasing Market Share
Market share is the percentage of an industry's total sales going to a particular company. It gives a general idea of the size of a company v/s its competitors

Over the last 5 years, market share decreased from 0.99% to 0.87%

Lower than Industry Net Income
Net income is equal to net earnings (profit) less expenses. This number is an important measure of how profitable the company is

Over the last 5 years, net income has grown at a yearly rate of 3.73%, vs industry avg of 20.2%

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Financial YearFY 2017FY 2018FY 2019FY 2020FY 2021FY 2022FY 2023FY 2024FY 2025TTM
Total Revenue801.471,031.241,445.141,503.441,380.171,381.141,550.892,240.532,601.912,680.82
Raw Materialssubtract2,500.21
Power & Fuel Costsubtract
Employee Costsubtract171.86220.48305.48351.35337.33393.12387.60447.91586.31
Selling & Administrative Expensessubtract61.6265.4187.1998.1584.7779.47101.09117.46163.87
Operating & Other expensessubtract524.12614.75724.15824.78952.75858.271,038.561,069.601,588.70
Depreciation/Amortizationsubtract6.0514.7412.5117.5415.0816.1018.3922.6627.2727.79
Interest & Other Itemssubtract
Taxes & Other Itemssubtract12.9340.45114.6156.654.2313.480.43146.9549.6426.88
EPS6.2716.7239.3128.94-2.302.930.6044.7216.9011.44
DPS0.000.000.000.000.000.000.000.000.000.00
Payout ratio0.000.000.000.000.000.000.000.000.000.00

SATIN Company Updates

Annual Report and Investor Presentation updates mentioned here are as reported by the company to the exchange
FY 2026FY 2026

Annual Report Pending

Investor Presentation

Aug 8PDF
FY 2025FY 2025

Annual report

PDF

Investor Presentation

May 7PDF
Feb 10PDF
Feb 10PDF
Nov 8PDF
FY 2024FY 2024

Annual report

PDF

Investor Presentation

Sep 14PDF
Jul 28PDF
FY 2023FY 2023

Annual report

PDF

Investor Presentation

Apr 29PDF
Jan 23PDF
Oct 28PDF
FY 2022FY 2022

Annual report

PDF
FY 2021FY 2021

Annual report

PDF
FY 2020FY 2020

Annual report

PDF
FY 2019FY 2019

Annual report

PDF
FY 2018FY 2018

Annual report

PDF
FY 2017FY 2017

Annual report

PDF
FY 2016FY 2016

Annual report

PDF
 

SATIN Stock Peers

SATIN Past Performance & Peer Comparison

SATIN Past Performance & Peer Comparison

Comparing 3 stocks from 
FinancialsConsumer Finance

Loading...

StockPE RatioPE RatioPB RatioPB RatioDiv. YieldDividend Yield
Satin Creditcare Network Ltd8.670.63
Bajaj Finance Ltd37.766.350.55%
Jio Financial Services Ltd124.241.620.16%
Cholamandalam Investment and Finance Company Ltd29.965.400.13%

SATIN Stock Price Comparison

Compare SATIN with any stock or ETF
Compare SATIN with any stock or ETF
SATIN
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SATIN Holdings

SATIN Shareholdings

SATIN Promoter Holdings Trend

SATIN Promoter Holdings Trend

Total Promoter Holding
Increasing promoter holding is considered good and reflects management’s positive view about the future outlook

In last 6 months, promoter holding in the company has almost stayed constant

Low Pledged Promoter Holding
Lower pledged promoter holdings is considered better

Pledged promoter holdings is insignificant

SATIN Institutional Holdings Trend

SATIN Institutional Holdings Trend

Total Retail Holding
Increasing retail holding can be considered bad as it can reflect that institutions and promoters are selling their stake which is being absorbed by retail investors.

In last 3 months, retail holding in the company has almost stayed constant

Foreign Institutional Holding
Foreign Institutional Holding is quantum of stock held by foreign large-quantities-trading entities. Increasing value indicates growing support and comfort for the stock

In last 3 months, foreign institutional holding of the company has almost stayed constant

Tickertape Separator

SATIN Shareholding Pattern

SATIN Shareholding Pattern

Retail and OthersForeign InstitutionsOther Domestic InstitutionsMutual FundsTotal Promoter Holding36.17%1.40%5.76%4.32%52.36%

Sep 2024

Dec 2024

Mar 2025

Jun 2025

SATIN Shareholding History

SATIN Shareholding History

MarJunSepDec '24MarJun6.66%7.14%6.09%4.83%4.52%4.32%

Mutual Funds Invested in SATIN

Mutual Funds Invested in SATIN

No mutual funds holding trends are available

Top 2 Mutual Funds holding Satin Creditcare Network Ltd



Funds (Top 2)Market-cap heldWeight3M holding changePortfolio rank
(3M change)
1.2938%0.14%-0.06%132/224 (-22)
0.0001%0.00%-0.00%866/1006 (-37)

Compare 3-month MF holding change on Screener

SATIN Insider Trades & Bulk Stock Deals

SATIN Insider Trades & Bulk Stock Deals

Hmm, looks like there hasn't been any net deal activity in the last 6 months

smallcases containing SATIN stock

smallcases containing SATIN stock

Looks like this stock is not in any smallcase yet.

SATIN Events

SATIN Events

SATIN Dividend Trend

No Dividends
Dividends are the portion of earnings that a company distributes to all its shareholders every year

SATIN has not given any dividends in last 5 years

Dividends

Corp. Actions

Announcements

Legal Orders

SATIN Dividend Trend

No Dividends
Dividends are the portion of earnings that a company distributes to all its shareholders every year

SATIN has not given any dividends in last 5 years

SATIN Dividends

SATIN Dividends

Hmm, looks like data is unavailable here. Please come back after some time

SATIN Stock News & Opinions

SATIN Stock News & Opinions

Spotlight
Satin Creditcare gains after raising Rs 100-cr via subordinated NCDs

These loans, structured with bullet repayments at the end of 5.5 years and 7 years respectively, will provide additional comfort to the company's asset-liability management (ALM) position. The fundraise was completed in two tranches, the first tranche of Rs 40 crore on July 24, 2025 and the second tranche of Rs 60 crore on August 21, 2025. Both tranches were raised from different lenders. The proceeds will enable the company to further its mission of financial empowerment, with a continued focus on expanding income-generating loans (IGL), water, sanitation, and hygiene (WASH) loans for its clients, thereby driving both livelihood creation and community well-being. Through this dual focus, SCNL not only supports economic empowerment but also promotes better health, hygiene, and overall quality of life for its women borrowers. HP Singh, chairman & managing director of Satin Creditcare Network, said, 'Raising Rs 100 crore at this juncture reinforces the confidence investors place in our model and vision. It validates our financial strength and the trust we have built over the years. This infusion also provides a stronger capital cushion to our CRAR of approximately 26% as at June 30, 2025. With this long-term support, we will be able to reach more households, empower women entrepreneurs, and uplift communities through both livelihood opportunities and access to essential services.' Satin Creditcare Network is a leading microfinance institution (MFI) in the country. The company offers a bouquet of financial products in the non-MFI segment, comprising loans to MSMEs and affordable housing loans. The company's consolidated net profit declined 82.9% to Rs 21.89 crore on 3.8% fall in total income to Rs 622.50 crore in Q1 FY26 over Q1 FY25.Powered by Capital Market - Live

3 weeks agoCapital Market - Live
Spotlight
Satin Creditcare's arm appoints Pramod Marar as CEO

Marar will lead the company's efforts to enhance and expand its green finance capabilities. Pramod brings nearly three decades of professional experience spanning blue-chip banking, fintech start-ups and sustainability-driven ventures. He began his career with HDFC Bank and Axis Bank before spending 18 years at HSBC India, where he held senior positions across corporate banking, SME and microfinance. In his last role at HSBC, he served as managing director and chief operating officer for wholesale banking in India. Dr. H P Singh, chairman cum managing director of Satin Creditcare, said: At Satin Finserv, we view sustainability finance as a strategic imperative for India's economic transformation. Marar's extensive banking expertise, coupled with his significant experience in sustainability financing, makes him the ideal leader to drive our green finance ambitions. His leadership will accelerate our journey towards becoming a trusted partner in India's climate finance ecosystem, reaffirming Satin group's commitment to participate meaningfully in the green energy transition. Pramod Marar, CEO, Green Finance, Satin Finserv (SFL), said: I am excited to join Satin Finserv at this transformative juncture. With its strong foundation and commitment to triple bottomline objectives, SFL is uniquely positioned to contribute to India's journey towards positive energy transition. We look forward to building effective financial solutions that support India's climate goals and also create long-term value for all stakeholders. Satin Creditcare Network is a leading microfinance institution (MFI) in the country. The company offers a bouquet of financial products in the non-MFI segment, comprising loans to MSMEs and affordable housing loans. The company's consolidated net profit declined 82.9% to Rs 21.89 crore on 3.8% fall in total income to Rs 622.50 crore in Q1 FY26 over Q1 FY25. Shares of Satin Creditcare Network rose 0.57% to Rs 140.95 on the BSE. Powered by Capital Market - Live

3 weeks agoCapital Market - Live
Corporate
Satin Finserv appoints Pramod Marar as CEO

Satin Finserv (SFL), a wholly-owned subsidiary of Satin Creditcare Network (SCNL), announced the appointment of Pramod Marar as the Chief Executive Officer to drive its green finance capabilities. Marar brings nearly three decades of experience spanning banking, entrepreneurship, and sustainability-focused ventures. In addition to working at HDFC Bank and Axis Bank, he served 18 years at HSBC India across Corporate Banking, SME, Microfinance and in his last role at HSBC, he was the Managing Director & COO of Wholesale Banking in India. As Co-founder of TapFin and MD & CEO of GoGreen Capital (a sustainability focused NBFC) and Co-founder and MD of MoEVing Fintech, driving sustainable finance and clean mobility initiatives over the recent years, he brings in a unique blend of extensive banking and entrepreneurial experience. With Marar at the helm, Satin Finserv will strengthen its capacity to design and deliver impactful financing solutions across renewable energy, clean mobility, sustainable agriculture and energy efficiency initiatives. This marks a significant milestone in SFL's ambition to become a catalyst in India's green finance ecosystem. Powered by Capital Market - Live

3 weeks agoCapital Market - Live
Corporate
Satin Creditcare Network to hold board meeting

Satin Creditcare Network will hold a meeting of the Board of Directors of the Company on 14 August 2025.Powered by Capital Market - Live

1 month agoCapital Market - Live
Earnings
Satin Creditcare Network consolidated net profit declines 57.16% in the June 2025 quarter

Net profit of Satin Creditcare Network declined 57.16% to Rs 45.10 crore in the quarter ended June 2025 as against Rs 105.28 crore during the previous quarter ended June 2024. Sales rose 11.91% to Rs 707.78 crore in the quarter ended June 2025 as against Rs 632.44 crore during the previous quarter ended June 2024. ParticularsQuarter EndedJun. 2025Jun. 2024% Var. Sales707.78632.44 12 OPM %50.4062.62 - PBDT64.29146.71 -56 PBT58.08141.01 -59 NP45.10105.28 -57 Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
Satin Creditcare Network announces board meeting date

Satin Creditcare Network will hold a meeting of the Board of Directors of the Company on 8 August 2025.Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
Satin Creditcare Network launches MSME-focused debt fund

Satin Creditcare Network has announced the launch of an MSME-focused debt fund helmed by women. To be structured as a Category II Alternative Investment Fund (AIF) under SEBI regulations, the platform is designed to provide vital debt capital to viable but underfunded micro, small and medium enterprises (MSMEs) with a strong focus on those based in rural and semi-urban India. At a time when access to capital remains a persistent barrier for small enterprises, SCNL's new fund emerges as an essential, debt-driven solution. Championed by women, with an all-women Board of Directors and investment leadership team, this fund places women at the center of financial decision making, capital deployment and economic inclusion. Leading this initiative, Aditi Singh, Chief Strategy Officer, ESG Head, Satin Creditcare, commented on the vision behind this, 'This is more than just a fund. It's a platform for systemic change, by placing women at the helm financially, institutionally, and socially - we are not only unlocking small enterprise potential, but reshaping the future of finance itself.'Powered by Capital Market - Live

1 month agoCapital Market - Live
Spotlight
Satin Creditcare board OKs to incorporate subsidiary, Satin Growth Alternatives

The subsidiary will act as the investment manager or sponsor to an Alternative Investment Fund (AIF) that will be registered with the Securities and Exchange Board of India (SEBI) under the SEBI (Alternative Investment Funds) Regulations, 2012. This strategic initiative is aimed at leveraging the company's existing financial services expertise while enabling revenue diversification through participation in the regulated alternative asset management sector. The company is proposed to be incorporated in the State of Haryana, India. Satin Creditcare Network is a leading microfinance institution (MFI) in the country. The company offers a bouquet of financial products in the non-MFI segment, comprising loans to MSMEs and affordable housing loans. The company's consolidated net profit declined 82.9% to Rs 21.89 crore on 3.8% fall in total income to Rs 622.50 crore in Q1 FY26 over Q1 FY25. The scrip rose 0.89% to settle at Rs 158.85 on the BSE.Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
Satin Creditcare Network opens its first branch in Aizawl, Mizoram

Satin Creditcare Network (SCNL) marks its presence in Mizoram with the opening of its first branch in Aizawl, taking its total count to 26 states and 4 union territories. This move establishes SCNL as the first leading micro finance institute to enter the state, aiming to bolster financial inclusion and drive economic development nationwide. SCNL manages a robust portfolio of over Rs. 1,500 crore and runs 165 active branches in the Northeast alone as of 30 June 2025.Powered by Capital Market - Live

2 months agoCapital Market - Live
Corporate
Satin Creditcare Network fixes board meeting date

Satin Creditcare Network will hold a meeting of the Board of Directors of the Company on 14 July 2025.Powered by Capital Market - Live

2 months agoCapital Market - Live

Frequently asked questions

Frequently asked questions

  1. What is the share price of Satin Creditcare Network Ltd (SATIN) today?

    The share price of SATIN as on 16th September 2025 is ₹147.32. The stock prices are volatile and keep changing through the day depending upon various factors and market conditions.

  2. What is the return on Satin Creditcare Network Ltd (SATIN) share?

    The past returns of Satin Creditcare Network Ltd (SATIN) share are
    • Past 1 week: -0.02%
    • Past 1 month: 2.89%
    • Past 3 months: -5.91%
    • Past 6 months: 7.93%
    • Past 1 year: -29.84%
    • Past 3 years: 19.68%
    • Past 5 years: 130.73%

  3. What are the peers or stocks similar to Satin Creditcare Network Ltd (SATIN)?
  4. What is the market cap of Satin Creditcare Network Ltd (SATIN) share?

    Market capitalization, short for market cap, is the market value of a publicly traded company's outstanding shares. The market cap of Satin Creditcare Network Ltd (SATIN) is ₹1614.29 Cr as of 16th September 2025.

  5. What is the 52 week high and low of Satin Creditcare Network Ltd (SATIN) share?

    The 52-week high of Satin Creditcare Network Ltd (SATIN) is ₹219 and the 52-week low is ₹131.80.

  6. What is the PE and PB ratio of Satin Creditcare Network Ltd (SATIN) stock?

    The P/E (price-to-earnings) ratio of Satin Creditcare Network Ltd (SATIN) is 8.67. The P/B (price-to-book) ratio is 0.63.

  7. Which sector does Satin Creditcare Network Ltd (SATIN) belong to?

    Satin Creditcare Network Ltd (SATIN) belongs to the Financials sector & Consumer Finance sub-sector.

  8. How to buy Satin Creditcare Network Ltd (SATIN) shares?

    You can directly buy Satin Creditcare Network Ltd (SATIN) shares on Tickertape. Simply sign up, connect your demat account and place your order.