Satin Creditcare Network Ltd Stock Price Today (NSE: SATIN)
Fundamental Score
Satin Creditcare Network Ltd Share Price — Live NSE/BSE Price, Fundamentals & Analysis
Satin Creditcare Network Ltd share price today is ₹230.70, down 3.80% on NSE/BSE as of 3 August 2026. Satin Creditcare Network Ltd (SATIN) is a Small-cap company in the Microfinance Institutions sector with a market capitalisation of ₹2.86K (Cr). The 52-week high for SATIN share price is ₹274.14 and the 52-week low is ₹133.01. At a P/E ratio of 8.60x, SATIN is currently trading below its industry average P/E of 27.53x. The company has a Return on Equity (ROE) of 12.29% and a debt-to-equity ratio of 3.84.
Satin Creditcare Network Ltd Share Price Chart — NSE/BSE Historical Performance
Satin Creditcare Network Ltd share price chart: -4.70% return over the past month. 52-week high ₹274.14, 52-week low ₹133.01.
Satin Creditcare Network Ltd — Last 10 Trading Days
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| ₹262.88 | ₹269.99 | ₹237.50 | ₹239.81 | 26.30L (Cr) | |
| ₹257.05 | ₹266.18 | ₹256.00 | ₹257.42 | 5.16L (Cr) | |
| ₹260.30 | ₹268.99 | ₹257.05 | ₹258.46 | 4.03L (Cr) | |
| ₹261.01 | ₹266.00 | ₹254.41 | ₹259.60 | 6.16L (Cr) | |
| ₹271.00 | ₹274.14 | ₹260.10 | ₹261.51 | 8.65L (Cr) | |
| ₹257.00 | ₹259.70 | ₹254.05 | ₹258.46 | 1.64L (Cr) | |
| ₹253.50 | ₹258.19 | ₹251.11 | ₹256.07 | 2.37L (Cr) | |
| ₹265.70 | ₹265.70 | ₹251.19 | ₹255.07 | 3.56L (Cr) | |
| ₹259.99 | ₹267.40 | ₹250.20 | ₹266.14 | 7.46L (Cr) | |
| ₹268.50 | ₹270.50 | ₹261.20 | ₹264.66 | 7.89L (Cr) |
Satin Creditcare Network Ltd — Last 12 Months Price History
| Month | Open | High | Low | Close | Change |
|---|---|---|---|---|---|
| ₹247.01 | ₹274.14 | ₹237.50 | ₹239.81 | -2.91% | |
| ₹217.80 | ₹248.20 | ₹213.16 | ₹245.90 | +12.90% | |
| ₹176.16 | ₹245.54 | ₹176.16 | ₹217.82 | +23.65% | |
| ₹140.20 | ₹183.00 | ₹140.20 | ₹176.16 | +25.65% | |
| ₹144.15 | ₹155.80 | ₹136.00 | ₹139.87 | -2.97% | |
| ₹158.60 | ₹163.95 | ₹150.02 | ₹154.72 | -2.45% | |
| ₹144.00 | ₹166.00 | ₹143.09 | ₹158.35 | +9.97% | |
| ₹155.25 | ₹155.25 | ₹135.81 | ₹143.76 | -7.40% | |
| ₹156.61 | ₹157.99 | ₹145.20 | ₹153.73 | -1.84% | |
| ₹145.40 | ₹164.00 | ₹143.43 | ₹156.61 | +7.71% | |
| ₹136.65 | ₹149.35 | ₹135.08 | ₹145.13 | +6.21% | |
| ₹144.70 | ₹146.90 | ₹133.01 | ₹135.29 | -6.50% |
AI Research Briefing
Powered by Gemini · 2026-04-10
High growth microfinance play, but regulatory headwinds and leverage keep me sidelined.
WHAT'S HAPPENING NOW (last 2-4 weeks)
Satin Creditcare reported a strong FY26, with AUM up 19% YoY to and disbursements up 17% to Consolidated disbursements in Q4 FY26 rose 37% QoQ and 43% YoY to The company added 739,501 new borrowers in FY26, including 246,281 in Q4. They expanded their branch network by 392 branches, reaching a total of 1,841 branches as of March 2026. Credit costs decreased from 4.6% to between 3.8% and 4.0%. Collection efficiency was approximately 99.9% in March 2026. The company raised approximately through debt instruments during the year.
CORE STORY (THE REAL GAME)
Satin is a play on rural financial inclusion, leveraging microfinance to tap into underserved markets. It's about AUM growth and operational efficiency, but faces risks from regulatory headwinds and borrower over-indebtedness.
- Strong AUM growth of 19% YoY
- Improved credit costs and collection efficiency
- Significant branch expansion
- Favorable regulatory changes
- Further reduction in credit costs
- Successful integration of new branches
- Regulatory risks from states tightening MFI regulations
- High debt/equity ratio
- Micro/SME cap - liquidity risk
FII and DII holdings decreased.
Uncertain. Microfinance sector faces pressure, but government support and rural income recovery could provide tailwinds.
No. Negative free cash flow of ₹-3253.31 Cr over the last 5 years.
Expect continued AUM growth, but regulatory risks and asset quality concerns remain. Monitor for policy changes and borrower behavior.
Primary Thesis Risk
Adverse regulatory changes can cripple growth and asset quality.
For educational purposes only. Not investment advice. Consult a SEBI-registered advisor before investing.
Returns & Performance
Return on Equity (ROE)
Profit generated per ₹1 of shareholder equity
Return on Capital (ROCE)
Returns generated on total capital deployed
Oper. Profit Margin (5Y Avg)
Average operating profit margin over 5 years
Dividend Yield
Annual dividend as % of current share price
Satin Creditcare Network Ltd Valuation Check
Price to Earnings (P/E)
Share price ÷ earnings per share. Lower = cheaper
Industry Avg P/E
Average P/E of all peers in this sector
Market Capitalisation
Total market value of all outstanding shares
Growth Engine
Profit Growth (Quarterly YoY)
Net profit growth vs same quarter last year
Revenue Growth (Quarterly YoY)
Revenue growth vs same quarter last year
Revenue Growth (5-Year CAGR)
Compounded annual revenue growth over 5 years
EPS Growth (5-Year CAGR)
Earnings per share growth over 5 years
Net Profit Growth (5-Year CAGR)
Compounded annual net profit growth over 5 years
Balance Sheet Health
Debt to Equity Ratio
Total debt ÷ equity. Below 0.5 = financially healthy
Interest Coverage Ratio
EBIT ÷ interest expense. Above 2.5 = can pay interest comfortably
Free Cash Flow (5-Year Total)
Cash left after capex over 5 years. Positive = self-funded growth
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Satin Creditcare Network Ltd Fundamental Analysis & Valuation Benchmarking
Educational evaluation of SATIN across key market metrics for learning purposes.
Positive Indicators
8 factors identified
Strong Operating Margins (54.05%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Attractive Valuation (P/E: 8.60 vs Industry: 27.53)
Observation: Trading at discount to industry peers.
Analysis: P/E below industry average may present value opportunity.
Robust Profit Growth (640.16%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture.
Strong Revenue Growth (49.48%)
Observation: Healthy sales growth indicates market demand and execution capability.
Analysis: Revenue growth >15% suggests strong market position and growth potential.
Consistent Growth Track Record (17.95% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model.
Excellent EPS Growth (77.02% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential.
Strong Profit Growth Track Record (91.27% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
4 factors identified
Elevated Debt Levels (D/E: 3.84)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.
Weak Interest Coverage (1.33x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Negative Free Cash Flow (₹-4300.37 Cr over 5Y)
Observation: Cash outflows exceed inflows.
Analysis: Negative FCF requires analysis of capital expenditure cycle.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints.
Satin Creditcare Network Ltd vs Microfinance Institutions Peers
Peer Comparison - Microfinance Institutions
Compare Satin Creditcare Network Ltd with 4 other companies in the same sector
| Company Info | Fundamental | Valuation | Profitability | Financial Health | Growth | Dividend | ||||
|---|---|---|---|---|---|---|---|---|---|---|
Company Company name | Score Bull Run comprehensive fundamental score based on 20+ metrics | Price Current trading price of the stock | Market Cap Total value of all shares in the market | P/E Price per share divided by earnings per share | ROE Net income divided by shareholder equity | ROCE Earnings before interest and tax divided by capital employed | Debt/Eq Total debt divided by total equity | Profit 5Y Average annual profit growth over 5 years | Sales 5Y Average annual sales growth over 5 years | Dividend Annual dividend per share divided by price per share |
Satin Creditcare Network LtdSatin Creditcar...Selected✓ SATIN • 539404 | 56.8/100 | ₹230.70₹231 | ₹2859.25₹2859.25 | 8.60Average 8.6 Average | 12.29%Average 12.29% Average | 13.84%Average 13.84% Average | 3.84Poor 3.8 Poor | 91.27%Excellent 91.27% Excellent | 17.95%Excellent 17.95% Excellent | 0.00% |
CreditAccess Grameen LtdCreditAccess Gr... CREDITACC • 541770 | 59.7/100 | ₹1592.80₹1593 | ₹23695.91₹23695.91 | 30.47Average 30.5 Average | 10.51%Average 10.51% Average | 9.98%Poor 9.98% Poor | 3.01Poor 3.0 Poor | 40.43%Excellent 40.43% Excellent | 24.47%Excellent 24.47% Excellent | 0.00% |
Muthoot Microfin LtdMuthoot Microfi... MUTHOOTMF • 544055 | 57.7/100 | ₹245.46₹245 | ₹4184.69₹4184.69 | 24.58Average 24.6 Average | 6.21%Poor 6.21% Poor | 9.30%Poor 9.30% Poor | 3.40Poor 3.4 Poor | 89.06%Excellent 89.06% Excellent | 28.20%Excellent 28.20% Excellent | 0.00% |
Fusion Finance LtdFusion Finance ... FUSION • 543652 | 25.2/100 | ₹207.83₹208 | ₹3687.38₹3687.38 | 266.24Average 266.2 Average | 0.68%Poor 0.68% Poor | 5.92%Poor 5.92% Poor | 2.27Poor 2.3 Poor | -20.62%Poor -20.62% Poor | 14.69%Good 14.69% Good | 0.00% |
Spandana Sphoorty Financial LtdSpandana Sphoor... SPANDANA • 542759 | 21/100 | ₹261.10₹261 | ₹2450.04₹2450.04 | — — | -25.91%Poor -25.91% Poor | -5.04%Poor -5.04% Poor | 1.74Average 1.7 Average | — — | -8.89%Poor -8.89% Poor | 0.00% |
Top Microfinance Institutions Stocks
View all →By Bull Run Score
By Return on Equity
By Market Cap
- CreditAccess Grameen Ltd share price23695.91 Cr
- Muthoot Microfin Ltd share price4184.69 Cr
- Fusion Finance Ltd share price3687.38 Cr
- Spandana Sphoorty Financial Ltd share price2450.04 Cr
Satin Creditcare Network Ltd PE Ratio History
Historical price-to-earnings ratio for SATIN — last 5 years
| Year | EPS (₹) | Price (₹) | P/E Ratio |
|---|---|---|---|
| FY 2025 | ₹16.92 | ₹143.76 | 8.5x |
| FY 2024 | ₹43.27 | ₹150.50 | 3.5x |
| FY 2023 | ₹0.59 | ₹240.20 | 407.1x |
| FY 2022 | ₹2.72 | ₹156.80 | 57.6x |
P/E = year-end price ÷ diluted EPS from annual filings. Source: NSE/BSE via Bull Run.
Satin Creditcare Network Ltd Quarterly Performance
Latest quarterly metrics for SATIN — revenue growth and profit growth vs same quarter last year
Revenue Growth (YoY)
49.48%
Latest quarter vs same quarter previous year
Net Profit Growth (YoY)
640.16%
Latest quarter net profit vs same quarter previous year
5-Year Revenue CAGR
17.95%
Compounded annual revenue growth over 5 years
5-Year Profit CAGR
91.27%
Compounded annual net profit growth over 5 years
Satin Creditcare Network Ltd Technical Indicators
SMA 50, SMA 200, RSI and volume signals for SATIN — calculated from daily price history
Momentum is balanced — neither overbought nor oversold.
Technical indicators are for educational purposes only. Not investment advice.
Satin Creditcare Network Ltd Financial Statements
Annual income statement, balance sheet and cash flow for Satin Creditcare Network Ltd (SATIN) — sourced from NSE/BSE filings.
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About SATIN (Satin Creditcare Network Ltd)
Satin Creditcare Network Ltd is a prominent player in India's microfinance sector, focused on empowering underserved communities through accessible financial services. The organiza...tion diligently crafts loan products tailored to the specific needs of economically active women, predominantly residing in rural and semi-urban locales. These offerings are designed to fuel income-generating activities, fostering entrepreneurship and promoting self-sufficiency. Satin's reach extends beyond traditional microcredit, encompassing specialized loans designed to address crucial developmental needs, such as improved water and sanitation infrastructure, access to clean energy solutions, and various business needs. The company's commitment to holistic development positions it as a key driver of inclusive economic growth in India's underbanked regions. Beyond individual borrowers, Satin Creditcare Network Ltd also extends its financial support to corporate institutions and microfinance companies, further amplifying its impact within the microfinance ecosystem. This strategic approach allows Satin to leverage its expertise and resources to strengthen the capacity of other organizations dedicated to financial inclusion. By providing wholesale lending and strategic partnerships, Satin contributes to a more robust and sustainable microfinance sector, ensuring that a greater number of individuals and communities have access to essential financial resources. This multifaceted approach demonstrates Satin's dedication to fostering a thriving microfinance landscape capable of driving lasting positive change. Satin Creditcare Network Ltd's operations are deeply rooted in a mission to uplift the socio-economic status of marginalized populations. The company's commitment to ethical lending practices and client-centric services sets it apart in the microfinance industry. By prioritizing transparency, responsible lending, and financial literacy initiatives, Satin aims to empower its borrowers to make informed decisions and manage their finances effectively. This holistic approach not only provides access to capital but also equips individuals with the necessary skills to build sustainable livelihoods and improve their overall quality of life. Satin's commitment to social impact reinforces its position as a leading force in driving financial inclusion and fostering sustainable development in India.
Company Details
Key Leadership
SATIN Share Price: Frequently Asked Questions
What is the current share price of Satin Creditcare Network Ltd?
Satin Creditcare Network Ltd (SATIN) trades at ₹230.70 on NSE and BSE. Market cap ₹2.86K (Cr). Educational data only.
What is the P/E ratio of Satin Creditcare Network Ltd?
Satin Creditcare Network Ltd has a P/E of 8.60x vs industry average 27.53x.
What is the Bull Run score for Satin Creditcare Network Ltd?
Satin Creditcare Network Ltd has a Bull Run score of 56.8/100 based on 25+ financial parameters.
Does Satin Creditcare Network Ltd pay dividends?
Satin Creditcare Network Ltd has a dividend yield of 0.00%. Past dividends don't guarantee future payments.
What is the ROE of Satin Creditcare Network Ltd?
Satin Creditcare Network Ltd has ROE of 12.29%. Higher ROE indicates better use of shareholder equity.
What is the debt-to-equity ratio of Satin Creditcare Network Ltd?
Satin Creditcare Network Ltd has debt-to-equity of 3.84.
Is Satin Creditcare Network Ltd a good investment?
Bull Run gives Satin Creditcare Network Ltd a score of 56.8/100. This is not investment advice — consult a SEBI-registered advisor.