SATIN · NSE
Satin Creditcare Network Limited
₹219.32
-0.23% (-₹0.5)
Prev. close
₹219.82
Volume
1,62,662
Delivery %
79.2%
As of
18 Sept 2026
Price history
No analyst calls on this stock in the last 90 days yet.
Explore by date range →Analyst opinions
Fundamentals
About Satin Creditcare Network Limited
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 micro finance companies. It also provides financing solutions for solar energy, purchase of bicycles, home appliances, and mobile phones for small businesses and individuals; micro, small, and medium enterprise loans for merchants, retailers, wholesalers, manufacturers, service providers, salaried, self-employed professionals, and agri businesses; and housing loans. The company was formerly known as Satin Leasing & Finance Private Limited and changed its name to Satin Creditcare Network Limited in April 2000. Satin Creditcare Network Limited was incorporated in 1990 and is headquartered in Gurugram, India.
Details
Sector
Financial Services
Industry
Credit Services
CEO
Dr. Harvinder Pal Singh
Headquarters
Gurugram
Website
satincreditcare.comExchange
View on NSE ↗Key stats
Market cap
₹2,412.26 Cr
P/E ratio (TTM)
5.9
EPS (TTM)
₹37.24
Beta (1Y · daily vs NIFTY 50)
0.74
Beta (5Y · monthly vs NIFTY 50)
1.36
Shares float
5.05 Cr
EPS · quarter ended Jun 2026
₹11.15
Financial Performance
01 · Financials
FY21 growth needs FY20 filings, which the data source doesn't provide.
02 · Earnings Per Share (EPS)
04 · Operating Efficiency (Growth Rates)
Balance-sheet-based
05 · Capital Structure & Asset Utilization
Asset turnover needs a prior year of assets — omitted for the earliest available year.
06 · Asset Base Composition
07 · Debt Level & Coverage
08 · Profit & Loss
Annual
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| ₹1,375.70 Cr | ₹1,376.80 Cr | ₹1,274.64 Cr | ₹1,860.24 Cr | ₹2,224.10 Cr | ₹2,403.66 Cr | |
| EBITDA | ₹643.19 Cr | ₹675.83 Cr | ₹25.05 Cr | ₹607.98 Cr | ₹265.64 Cr | ₹465.51 Cr |
| ₹-13.98 Cr | — | ₹4.81 Cr | ₹435.94 Cr | ₹186.13 Cr | ₹332.19 Cr | |
| Diluted EPS | ₹-2.26 | ₹2.72 | ₹0.59 | ₹43.27 | ₹16.92 | ₹30.2 |
Net income has filed figures for only some of the years shown — the missing years are left blank rather than estimated.
09 · Balance Sheet
Annual
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| — | ₹7,655.27 Cr | ₹7,849.57 Cr | ₹10,490.01 Cr | ₹11,587.00 Cr | ₹14,386.77 Cr | |
| — | — | ₹5,911.25 Cr | ₹7,909.64 Cr | ₹8,791.44 Cr | ₹10,991.46 Cr | |
| Stockholders' equity | — | ₹1,581.85 Cr | ₹1,628.12 Cr | ₹2,400.85 Cr | ₹2,542.86 Cr | ₹2,863.40 Cr |
Total assets, Cash & equivalents, Trade receivables, Investments, Fixed assets, CWIP, Total debt, Deposits, Stockholders' equity have filed figures for only some of the years shown — the missing years are left blank rather than estimated. Inventory shows ₹0 for 2023-03-31, 2024-03-31, 2025-03-31, 2026-03-31 — this deck's own annual-report reading has no Inventory figure for this filer in any year shown (2023-03-31, 2024-03-31, 2025-03-31, 2026-03-31, 2021-03-31, 2022-03-31 alike); the ₹0 shown here comes from this filer's own reported data feed rather than this deck's own extraction, and is positively consistent with a filer that holds no physical inventory (typical for lenders and other financial-services companies) rather than a display default. 2021-03-31, 2022-03-31 have no Inventory figure reaching this deck at all — not shown as zero, not shown as positive — left blank rather than assumed to match the other years.
Annual only — the data source doesn’t publish quarterly balance-sheet detail for most NSE-listed companies.
10 · Cash Flow Statement
Annual
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| ₹-944.90 Cr | ₹336.17 Cr | ₹-956.34 Cr | ₹-2,068.89 Cr | ₹-563.40 Cr | ₹-973.81 Cr | |
| Investing cash flow | ₹225.66 Cr | ₹-50.80 Cr | ₹-72.90 Cr | ₹-24.20 Cr | ₹-45.39 Cr | ₹-122.93 Cr |
| ₹734.32 Cr | ₹-442.42 Cr | ₹389.87 Cr | ₹2,263.46 Cr | ₹913.81 Cr | ₹1,873.50 Cr | |
| Capital expenditure | ₹-265.41 Cr | ₹-5.94 Cr | ₹-9.94 Cr | ₹-13.07 Cr | ₹-19.85 Cr | ₹-28.70 Cr |
| End cash position | ₹1,054.13 Cr | ₹897.08 Cr | ₹257.71 Cr | ₹424.05 Cr | ₹729.05 Cr | ₹1,505.81 Cr |
Debt issued, Debt repaid have filed figures for only some of the years shown — the missing years are left blank rather than estimated.
Annual only — the data source has no quarterly cash-flow-statement coverage.
11 · Shareholding Pattern
NSE, quarterly
| Line item | Sep 21 | Dec 21 | Jan 22–Jun 22(3Q) | Sep 22–Sep 22(2Q) | Dec 22–Dec 22(2Q) | Mar 23–Mar 23(2Q) | Jun 23–Jun 23(2Q) | Jul 23 | Jul 23–Sep 23(2Q) | Dec 23–Dec 23(2Q) | Mar 24–Mar 26(9Q) | Jun 26 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 38.24% | 38.26% | 36.69% | 39.97% | 38.00% | 39.45% | 41.70% | 43.56% | 39.98% | 36.06% | 36.17% | 36.17% |
| Public | 61.09% | 61.07% | 62.67% | 59.42% | 61.42% | 59.98% | 57.76% | 55.91% | 59.54% | 63.51% | 63.39% | 63.44% |
| Employee trusts | 0.67% | 0.67% | 0.64% | 0.61% | 0.58% | 0.57% | 0.55% | 0.53% | 0.48% | 0.44% | 0.44% | 0.38% |
Source: NSE quarterly shareholding-pattern filings, collapsed to periods where the reported percentages held steady — a column spanning several quarters means no change was filed across them. No FII/DII sub-split available from this source — Public includes all non-promoter, non-employee-trust holders.
12 · Peer Comparison
Financial Services
| Company | ||||||||
|---|---|---|---|---|---|---|---|---|
| HDFC Bank Limited | ₹11.27 L Cr | ₹731 | 16.2 | 1.38 | 8.6% | 0.81 | +4.7% | -25.2% |
| ICICI Bank Limited | ₹9.75 L Cr | ₹1,347.6 | 17.6 | 2.69 | 14.9% | 0.57 | +9.1% | -5.0% |
| State Bank of India | ₹9.16 L Cr | ₹996.2 | 10.6 | 1.54 | 14.0% | 1.22 | +9.2% | +16.6% |
| Bajaj Finance Limited | ₹6.31 L Cr | ₹1,040.3 | 31.1 | 5.54 | 16.7% | 3.10 | +19.7% | +4.4% |
| Life Insurance Corporation Of India | ₹5.06 L Cr | ₹407.7 | 8.4 | 2.87 | 32.5% | — | +8.7% | -54.2% |
| Kotak Mahindra Bank Limited | ₹4.08 L Cr | ₹415 | 20.5 | 2.25 | 10.6% | 0.53 | -0.3% | -79.5% |
| Axis Bank Limited | ₹3.86 L Cr | ₹1,240 | 14.0 | 1.80 | 12.3% | 1.30 | +4.0% | +10.1% |
| Bajaj Finserv Limited | ₹2.98 L Cr | ₹1,852.5 | 29.4 | 3.82 | 12.6% | 4.64 | +13.6% | -10.5% |
| Shriram Finance Limited | ₹2.34 L Cr | ₹1,010 | 17.6 | 3.55 | 15.2% | 2.76 | +13.9% | +61.1% |
| SBI Life Insurance Company Limited | ₹1.77 L Cr | ₹1,731 | 68.0 | 9.29 | 12.9% | — | -4.3% | -5.0% |
| ICICI Prudential Asset Management Company Limited | ₹1.53 L Cr | ₹3,098 | 43.8 | 36.57 | 79.1% | — | +23.1% | — |
| Satin Creditcare Network Limited | ₹2,431.84 Cr | ₹219.82 | 5.9 | 0.85 | 11.6% | 3.84 | +8.1% | +49.1% |
Ranked by market cap within Financial Services, same metrics as the Fundamentals screener. Click a column to sort.
Documents
Annual reports
Show all 19
Concall transcripts
Show all 11
Official documents linked from their sources — offer documents as filed with SEBI (sebi.gov.in), annual reports and earnings-call transcripts as published on BSE (bseindia.com) and NSE (nseindia.com). Links open the source's own hosting; nothing is re-hosted here.
Satin Growth Alternatives invests Rs. 5 crore in Indic Wisdom
Satin Growth Alternatives Limited, a subsidiary of Satin Creditcare Network, invested Rs. 5 crore in Indic Wisdom, a women-led food products company. This marks the first investment for SGAL's new Alternative Investment Fund. The funding will help Indic Wisdom expand manufacturing and distribution, aiming for Rs. 200 crore annual revenue.
Satin Creditcare (SATIN.NS) Slips 1.20% to ₹214.88 as Support Holds Near ₹204 - Size Factor
siam.in · 11 days ago