Satin Creditcare Network Ltd Stock Price Today (NSE: SATIN)
Fundamental Score
Satin Creditcare Network Ltd Share Price Live NSE/BSE & Institutional Fundamental Analysis
Satin Creditcare Network Ltd share price today is ₹155.16, up +0.00% on NSE/BSE as of 17 February 2026. Satin Creditcare Network Ltd (SATIN) is a Small-cap company in the Microfinance Institutions sector with a market capitalisation of ₹1.69K (Cr). The 52-week high for SATIN share price is ₹N/A and the 52-week low is ₹N/A. At a P/E ratio of 10.15x, SATIN is currently trading below its industry average P/E of 85.57x. The company has a Return on Equity (ROE) of 7.86% and a debt-to-equity ratio of 2.92.
Satin Creditcare Network Ltd Share Price Chart — NSE/BSE Historical Performance
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
Satin Creditcare Network Ltd Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
Satin Creditcare Network Share Price: A ROCE Efficiency Perspective
Microfinance Institutions (MFIs) are facing increasing pressure to balance social impact with profitability, particularly in the context of rising operational costs. This analysis examines the financial performance of Satin Creditcare Network Ltd, focusing on Return on Capital Employed (ROCE) efficiency. Currently, the Satin Creditcare Network share price stands at ₹159.880005, with a Price-to-Earnings (PE) ratio of 10.15 and an ROCE of 11.53%.
ROCE is a crucial indicator of how efficiently a company utilizes its capital to generate profits. Satin Creditcare Network's ROCE of 11.53% suggests a reasonable level of capital efficiency. However, benchmarking this against its peers is essential. For instance, considering
Muthoot Microfin Ltd, while specific figures aren't available here, a comparative analysis of management quality, as perceived by the market through valuation metrics, would further illuminate Satin's relative standing.The 11.53% ROCE has implications for the company's competitive advantage, or "moat." A consistently high ROCE indicates strong pricing power or cost advantages, allowing Satin Creditcare Network to reinvest profits at attractive rates, further widening its moat. However, a lower ROCE, compared to peers, may suggest vulnerability to competitive pressures and reduced reinvestment opportunities. The sustainability of this ROCE needs continuous monitoring in the face of evolving regulatory landscapes and increased competition.
Satin Creditcare Network's PE ratio of 10.15, coupled with its ROCE, provides a snapshot of investor sentiment and future growth expectations. The interplay between valuation and capital efficiency is critical for long-term shareholder value creation. A deeper dive into asset turnover, operating margins, and financing costs is necessary to fully comprehend the drivers of the company's ROCE.
Disclaimer: This financial analysis is based on publicly available data and is part of a comprehensive 80-parameter fundamental audit verified by Sweta Mishra. This analysis is observational and does not constitute financial advice. No buy or sell recommendations are being made.
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
5 factors identified
Strong Operating Margins (55.67%)
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: 10.15 vs Industry: 85.57)
Observation: Trading at discount to industry peers.
Analysis: P/E below industry average may present value opportunity.
Robust Profit Growth (24.83%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture.
Strong Revenue Growth (19.23%)
Observation: Healthy sales growth indicates market demand and execution capability.
Analysis: Revenue growth >15% suggests strong market position and growth potential.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
7 factors identified
Below-Average Return on Equity (7.86%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Weak Earnings Growth (-2.01% CAGR)
Observation: Below-average 5-year EPS growth performance.
Analysis: Low EPS growth may not keep pace with inflation.
Elevated Debt Levels (D/E: 2.92)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.
Weak Interest Coverage (1.15x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Negative Free Cash Flow (₹-3253.31 Cr over 5Y)
Observation: Cash outflows exceed inflows.
Analysis: Negative FCF requires analysis of capital expenditure cycle.
Limited Institutional Interest (FII+DII: 9.08%)
Observation: Low institutional participation may affect liquidity.
Analysis: Limited institutional interest may indicate size constraints or visibility issues.
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 Financial Statements
Comprehensive financial data for Satin Creditcare Network Ltd including income statement, balance sheet and cash flow
About SATIN (Satin Creditcare Network Ltd)
Satin Creditcare Network Ltd (SATIN) is listed on the National Stock Exchange (NSE) and Bombay Stock Exchange (BSE) of India. The company operates in the Microfinance Institutions sector with a current market capitalisation of ₹1.69K (Cr). Satin Creditcare Network Ltd has delivered a Return on Equity (ROE) of 7.86% and a ROCE of 11.53%. The debt-to-equity ratio stands at 2.92, reflecting the company's capital structure. Investors tracking SATIN share price can monitor key metrics including P/E ratio, promoter holding of 36.17%, and quarterly earnings growth.
Company Details
Key Leadership
SATIN Share Price: Frequently Asked Questions
What is the current share price of Satin Creditcare Network Ltd (SATIN)?
As of 17 Feb 2026, 10:21 am IST, Satin Creditcare Network Ltd share price is ₹155.16. The SATIN stock has a market capitalisation of ₹1.69K (Cr) on NSE/BSE.
Is SATIN share price Overvalued or Undervalued?
SATIN share price is currently trading at a P/E ratio of 10.15x, compared to the industry average of 85.57x. Based on this relative valuation, the Satin Creditcare Network Ltd stock appears to be Undervalued against its sector peers.
What is the 52-week high and low of SATIN share price?
The 52-week high of SATIN share price is ₹N/A and the 52-week low is ₹N/A.
What factors affect the Satin Creditcare Network Ltd share price?
Key factors influencing SATIN share price include quarterly earnings growth (Sales Growth: 19.23%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Satin Creditcare Network Ltd a good stock for long-term investment?
Satin Creditcare Network Ltd shows a 5-year Profit Growth of 6.75% and an ROE of 7.86%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 2.92 before investing in SATIN shares.
How does Satin Creditcare Network Ltd compare with its industry peers?
Satin Creditcare Network Ltd competes with major peers in the Microfinance Institutions. Investors should compare SATIN share price P/E of 10.15x and ROE of 7.86% against the industry averages to determine competitive standing.
What is the P/E ratio of SATIN and what does it mean?
SATIN share price has a P/E ratio of 10.15x compared to the industry average of 85.57x. Investors pay ₹10 for every ₹1 of annual earnings.
How is SATIN performing according to Bull Run's analysis?
SATIN has a Bull Run fundamental score of 35.8/100, indicating concerns requiring careful analysis. This comprehensive rating is based on 15+ financial parameters.
What sector and industry does SATIN belong to?
SATIN operates in the Microfinance Institutions industry. This classification helps understand the competitive landscape and sector-specific trends affecting Satin Creditcare Network Ltd share price.
What is Return on Equity (ROE) and why is it important for SATIN?
SATIN has an ROE of 7.86%, which suggests challenges in generating returns from shareholders equity. ROE measures how efficiently Satin Creditcare Network Ltd generates profits from shareholders capital.
How is SATIN debt-to-equity ratio and what does it indicate?
SATIN has a debt-to-equity ratio of 2.92, which indicates high leverage that increases financial risk.
What is SATIN dividend yield and is it a good dividend stock?
SATIN offers a dividend yield of 0.00%, meaning you receive ₹0.00 annual dividend for every ₹100 invested in Satin Creditcare Network Ltd shares.
How has SATIN share price grown over the past 5 years?
SATIN has achieved 5-year growth rates of: Sales Growth 11.14%, Profit Growth 6.75%, and EPS Growth -2.01%.
What is the promoter holding in SATIN and why does it matter?
Promoters hold 36.17% of SATIN shares, with 0.00% pledged. High promoter holding often indicates strong management confidence in Satin Creditcare Network Ltd.
What is SATIN market capitalisation category?
SATIN has a market capitalisation of ₹1694 crores, placing it in the Small-cap category.
How volatile is SATIN stock?
SATIN has a beta of N/A. A beta > 1 suggests the Satin Creditcare Network Ltd stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is SATIN operating profit margin trend?
SATIN has a 5-year average Operating Profit Margin (OPM) of 55.67%, indicating the company's operational efficiency.
How is SATIN quarterly performance?
Recent quarterly performance shows Satin Creditcare Network Ltd YoY Sales Growth of 19.23% and YoY Profit Growth of 24.83%.
What is the institutional holding pattern in SATIN?
SATIN has FII holding of 3.90% and DII holding of 5.18%. Significant institutional holding often suggests professional confidence in the Satin Creditcare Network Ltd stock.