SATIN
Satin Creditcare Network Limited (SATIN) Stock Analysis
Satin Creditcare Network Limited is a microfinance institution providing group and individual loans to underserved women and rural borrowers. It operates across multiple states with regulated NBFC-MFI operations. The company focuses on financial inclusion with disciplined credit processes. It is listed on Indian stock exchanges.
Financial Services › Credit Services
₹223.90
-1.58% 1W | +52.10% 52W
Market Cap
2.5k CR
P/E Ratio
6
52W High
₹274.1
52W Low
₹135.8
Div. Yield
0%
Beta
0.3
50 DMA
₹226.2
200 DMA
₹197.3
Profit Margin
25.3%
Inst. Own.
7%
📉 CONSOLIDATING DOWN
🛑 HIT RESISTANCE
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 462 | 538 | 596 | 642 | 633 | 657 | 684 | 615 | 703 | 788 | 740 | 920 | 762 |
| Interest | 185 | 217 | 247 | 252 | 251 | 266 | 268 | 264 | 297 | 344 | 289 | 381 | 251 |
| 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 |
| Financing 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 |
| Depreciation | 4 | 6 | 6 | 6 | 6 | 7 | 7 | 8 | 6 | 7 | 8 | 9 | 8 |
| Profit before tax | 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 in Rs | 9.93 | 10.72 | 10.24 | 11.61 | 9.53 | 4.05 | 1.29 | 1.98 | 4.08 | 4.81 | 6.51 | 14.67 | 11.10 |
| Gross NPA % | |||||||||||||
| Net NPA % |
| Metric | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 801 | 1,031 | 1,443 | 1,500 | 1,377 | 1,378 | 1,549 | 2,234 | 2,572 | 3,143 | 3,209 |
| Interest | 436 | 536 | 646 | 589 | 638 | 631 | 617 | 901 | 1,049 | 1,311 | 1,265 |
| 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 |
| Financing 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 |
| Depreciation | 6 | 15 | 13 | 18 | 15 | 16 | 18 | 23 | 27 | 30 | 32 |
| Profit before tax | 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 in Rs | 4.78 | 11.43 | 29.72 | 21.52 | -1.94 | 2.76 | 0.56 | 39.46 | 16.85 | 30.07 | 37.09 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 27.0% | 18.0% | – |
| Profit CAGR | 313.0% | 91.0% | – |
Shareholding Pattern
Promoters36.17%
FIIs4.32%
DIIs7.15%
Public51.92%
Promoters36.17%
FIIs3.90%
DIIs5.18%
Public54.30%
Promoters36.17%
FIIs3.55%
DIIs5.18%
Public54.67%
Promoters36.17%
FIIs3.52%
DIIs5.30%
Public54.58%
Promoters36.17%
FIIs4.88%
DIIs6.32%
Public52.23%
Promoters39.45%
FIIs7.48%
DIIs6.36%
Public46.14%
Promoters36.17%
FIIs6.67%
DIIs6.92%
Public49.81%
Promoters36.17%
FIIs4.52%
DIIs6.35%
Public52.53%
Promoters36.17%
FIIs3.52%
DIIs5.30%
Public54.58%
Promoters36.17%
FIIs4.88%
DIIs6.32%
Public52.23%
SATIN
Holdings Analysis
Key strengths & risk signals
71
Overall
69
Fundamental
73
Technical
Risks (3)
VERY HIGH DEBT! D/E of 3.46 - significant risk.
RECOVERY MODE! Current price (223.9) above 200-day but below 50-day.
WEAK MOMENTUM! Limited price growth - -1.6% (1 week), 4.2% (1 month), -12.8% (3 months).
Strengths (4)
UNDERVALUED! PEG of 0.02 indicates stock is cheap relative to growth.
BULLISH TREND! 50-day average (226.2) is above 200-day average (197.3) - positive signal.
EXCELLENT YEAR! Stock gained 52.1% in the last year.
LOW VOLATILITY! Beta of 0.30 - stable stock, less market risk.
Fundamental & Technical Analysis
71Overall
69Fundamental
73Technical
Fundamental Breakdown
Growth Quality
30/30
Revenue CAGR: 23.5% (EXCELLENT, 15/15). Profit CAGR: 310.2% (EXCELLENT, 15/15).
Profit Margin
9/10
EXCELLENT EFFICIENCY! 25.3% profit margin - company keeps strong profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.02 indicates stock is cheap relative to growth.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
Debt to Equity
2/10
VERY HIGH DEBT! D/E of 3.46 - significant risk.
Public Holding
5/20
TOO MUCH PUBLIC HOLDING! 45.83% public ownership - higher volatility risk.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
12/10
BULLISH TREND! 50-day average (226.2) is above 200-day average (197.3) - positive signal.
Price Position
2/10
RECOVERY MODE! Current price (223.9) above 200-day but below 50-day.
Trend Pattern
10/20
Current trend: CONSOLIDATING DOWN
52W Performance
10/10
EXCELLENT YEAR! Stock gained 52.1% in the last year.
Volume Sentiment
25/30
BULLISH SENTIMENT! In last 30 days: 16 up days, 14 down days. Avg volume on up days: 510,747 vs down days: 369,242. Ratio: 1.38x
RSI
3/5
NEUTRAL! RSI at 48.8 - balanced momentum.
52W Range
4/5
UPPER HALF! Trading at 63.7% of 52W range - positive territory.
Momentum
2/5
WEAK MOMENTUM! Limited price growth - -1.6% (1 week), 4.2% (1 month), -12.8% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.30 - stable stock, less market risk.
SATIN
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q1FY272026-08-03 | Concall PDF | |
| Q4FY262026-05-15 | Concall PDF | |
| Q3FY262026-02-03 | Concall PDF |
Peer Comparison
Financial Services · Credit Services · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SATIN | ₹223.90 | 6 | 25.3% | 23.5% | 310.2% | +52.1% | 71 | CONSOLIDATING DOWN | +172.1% | -24.3% | +16.5% | +13.0% |
| FUSION | ₹164.00 | 16 | 19.6% | -1.6% | -67.0% | -12.5% | 47 | APPROACHING SUPPORT | -167.7% | -45.4% | -5.1% | +7.7% |
| MUFIN | ₹130.40 | 63 | 41.1% | 82.6% | 51.6% | +51.9% | 82 | APPROACHING SUPPORT | +300.0% | +26.1% | +57.4% | +19.5% |
| MUTHOOTMF | ₹168.50 | 11.6 | 21.0% | 19.5% | 1.3% | +2.9% | 52 | BREAKDOWN | +1,211.3% | +14.3% | +14.3% | +0.2% |
| SPANDANA | ₹211.10 | – | -116.2% | -10.3% | – | -14.5% | 37 | BREAKDOWN | -103.3% | +124.5% | -1.2% | +20.9% |
| INDOSTAR | ₹188.90 | – | – | 6.4% | -14.6% | -17.5% | 47 | BREAKDOWN | -97.9% | -102.7% | +6.0% | +3.5% |
| ARMANFIN | ₹1,694.20 | 15.4 | 30.8% | 14.7% | -15.5% | +11.2% | 51 | BREAKDOWN | -409.6% | +10.2% | +31.7% | +15.8% |
| PFS | ₹26.60 | 7.7 | 63.4% | -15.8% | 22.0% | -24.6% | 58 | HIT RESISTANCE | -70.6% | -11.6% | -33.9% | -19.4% |
Data from TradeAlone · Updated daily
SATIN News
Satin Creditcare Network Limited (satin): Satin Growth Alternatives Limited Invests in Indic Wisdom2026-09-14Satin Creditcare Network Limited (satin) Announces First Close of its Women-led Category II AIF2026-08-26Satin Creditcare Network Limited (satin) Launches ₹1 Crore Flood Relief Drive for 15,000 Families in Assam2026-08-06Satin Creditcare Network Limited (satin): Satin Finserv Deepens Funding Strength Through Debt and Equity Capital Infusion2026-08-03Satin Creditcare Network Limited (satin) Q1 FY27: PAT Up 172% Yoy to ₹123 Crores2026-07-30Satin Creditcare Network Limited (NSE: Satin) Enters Kerala, Marking a New Milestone in its South India Expansion2026-06-19Satin Creditcare Network Limited (satin) Announces ₹100.10 Crore Preferential Issue of Convertible Warrants2026-06-04Satin Creditcare Raises INR 200 Crore Tier II Capital to Boost Growth2026-05-07
