Satin Creditcare
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Satin Creditcare share price

Satin Creditcare Network Ltd.

NSE: SATIN BSE: 539404 SECTOR: Finance Term Lending  54k   112   16

149.42
-6.28 (-4.03%)
NSE: 20 Dec 04:02 PM

Price Summary

Today's High

₹ 156.49

Today's Low

₹ 148.22

52 Week High

₹ 283.55

52 Week Low

₹ 146.27

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsVery Stable
The company possesses stable growth history and sound margins.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 1650.66 Cr.

Advances

₹ 7951.44 Cr.

No. of Shares

11.05 Cr.

P/E

4.37

P/B

0.59

Face Value

₹ 10

Div. Yield

0 %

Book Value (TTM)

₹  253.36

Operating Revenue

₹ 2053.41 Cr.

Net Profit

₹ 422.84 Cr.

Promoter Holding

36.17 %

EPS (TTM)

₹  34.2

Sales Growth

17.14

ROE

18.58 %

ROCE

16.24%

Profit Growth

59.97 %

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* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

Track the companies of Group.

Ratios

Income Growth

1 Year17.14%
3 Year17.32%
5 Year8.39%

Profit Growth

1 Year59.97%
3 Year221.38%
5 Year16.75%

ROE%

1 Year18.58%
3 Year12.2%
5 Year9.56%

ROCE %

1 Year16.24%
3 Year12.69%
5 Year11.69%

ROA%

4.7702

PEG Ratio

0.19

PAT Margin (%)

20.5923

EPS Growth(%)

23.2492

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Sep 2024 36.17 0.00
Jun 2024 36.17 0.00
Mar 2024 36.17 0.00
Dec 2023 36.06 0.00
Sep 2023 39.98 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • The company is trading at 0.8657 times the book value
  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 17.3216049933076%.
  • The company has delivered substantial profit growth of 221.38374030902% over past 3 years.

 Limitations

 Looks like the company does not have any serious limitations.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Operating Revenue 491.69 547.44 592.58 581.92 600.46
Other Income 0.24 0.17 1.34 0.19 0.45
Interest Expended 200.31 229.57 232.85 229.49 242.68
Operating Expenses 147.99 167.62 188.09 210.08 295.13
Total Provisions 0 0 0 0 0
Depreciation 5.28 5.14 5.62 5.01 5.67
Profit Before Tax 138.35 145.27 167.37 137.54 57.43
Tax 35.08 36.88 42.08 34.93 15.87
Net Profit 103.27 108.38 125.28 102.61 41.56
Adjusted EPS (RS) 10.41 9.85 11.38 9.32 3.78

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Operating Income 1400.97 1271.57 1261.95 1752.92 2053.41
Other Income 1.33 6.54 4.03 201.13 13.1
Interest 576.86 617.61 606.41 576.02 832.84
Operating Expenses 397.45 361.32 412.54 428.89 501.15
Total Provisions 214.82 308.95 187.66 608.13 166.67
Exceptional Items 0 0 0 0 0
Profit Before Tax 213.17 -9.76 59.36 341 565.85
Tax 56.9 3.79 19.14 76.67 143.01
Profit After Tax 156.27 -13.55 40.23 264.33 422.84
Adjusted EPS (Rs.) 28.31 -2.04 5.4 31.19 38.44

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 51.71 66.47 74.59 84.8 110.04
Total Reserves 1401.06 1424.58 1531.66 1828.92 2557.3
Borrowings 5223.04 5815.74 4736.28 4289.47 6354.22
Other N/C liabilities 22.28 -32.94 -60.35 9.49 86.7
Current liabilities 456.14 554.56 1025.12 1432.71 974.92
Total Liabilities 7154.23 7828.42 7307.29 7645.4 10083.18
Assets
Loans 4709.39 5514.96 4897.4 5684.21 7951.44
Net Block 56.19 93.67 81.14 84.74 86.82
Capital WIP 34.14 3.65 0.18 0 0
Intangible WIP 0 0 0 0 0
Investments 267.61 282.61 335.58 741.52 826.99
Other Loans 6.21 4.66 3.54 35.81 4.54
Other N/C Assets 4.3 14.52 30.55 17.19 9.41
Current Assets 2076.38 1914.35 1958.91 1081.93 1203.98
Total Assets 7154.23 7828.42 7307.29 7645.4 10083.18
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Sep 2023% Dec 2023% Mar 2024% Jun 2024% Sep 2024%
promoters 39.98 36.06 36.17 36.17 36.17
anureet hp singh 0.73 0.66 0.66 0.66 0.66
late harbans singh - - - 0.37 0.37
neeti singh 0.20 0.18 0.18 0.18 0.18
satvinder singh 0.39 0.35 0.35 0.35 0.35
trishashna holdings & inv... 37.92 34.20 34.32 34.32 34.32
wisteria holdings & inves... 0.32 0.29 0.29 0.29 0.29
harbans singh (deceased) - 0.37 0.37 - -
harbans singh 0.41 - - - -
PARTICULARS Sep 2023% Dec 2023% Mar 2024% Jun 2024% Sep 2024%
investors 60.02 63.94 63.83 63.83 63.83
bandhan small cap fund - 1.57 1.13 1.00 1.07
bhawani finvest pvt ltd 2.20 1.99 2.01 1.99 1.99
evli emerging frontier fu... 1.51 2.26 2.68 3.17 2.28
florintree ventures llp 12.35 11.14 11.14 11.14 11.14
icici prudential life ins... - 1.96 1.96 1.92 1.87
indusind bank limited tre... 2.19 1.98 1.98 1.98 1.98
linkage securities privat... 2.14 1.98 2.04 2.03 2.04
llp 15.72 - 13.77 13.78 13.76
massachusetts institute o... 2.01 1.81 1.81 1.81 1.81
rajsonia consultancy serv... 2.52 2.28 2.28 2.26 2.26
trust team investors limi... 1.17 1.05 1.13 1.13 1.13
bajaj allianz life insura... - 1.18 - - -
nederlandse financierings... 1.43 1.29 - - -
societe generale - odi - 1.26 - - -
aditya birla sun life tru... 1.14 - - - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

Satin Creditcare - Quaterly Results 8 Nov, 2:45 PM Satin Creditcare - Quaterly Results 8 Nov, 2:45 PM Satin Creditcare - Quaterly Results 8 Nov, 2:45 PM Satin Creditcare Network informs about details of loss of certificate 20 Sep, 5:08 PM Satin Creditcare Network informs about press release 17 Sep, 3:49 PM Satin Creditcare Network informs about outcome of board meeting 11 Sep, 2:49 PM Satin Creditcare completes first PTC transaction with HSBC India 5 Sep, 11:08 AM Satin Creditcare Network informs about newspaper advertisements 31 Aug, 2:57 PM Satin Creditcare Network ventures into technology offerings with new subsidiary 14 Aug, 9:45 AM Satin Creditcare Network informs about press release 1 Aug, 3:29 PM Satin Creditcare - Quaterly Results 31 Jul, 2:38 PM Satin Creditcare - Quaterly Results 31 Jul, 2:38 PM Satin Creditcare - Quaterly Results 31 Jul, 2:38 PM Satin Creditcare Network informs about newspaper advertisements 16 Jul, 12:04 PM Satin Creditcare Network secures 15 million Euros debt funding from OeEB 10 Jul, 4:27 PM Satin Creditcare Network raises Rs 50 crore through NCDs 5 Jul, 9:58 AM Satin Creditcare Network opens first branch in Nagaland 24 Jun, 2:30 PM Satin Creditcare Network informs about non-deal roadshow 13 Jun, 5:22 PM Satin Creditcare - Quaterly Results 29 Apr, 2:35 PM Satin Creditcare - Quaterly Results 29 Apr, 2:35 PM Satin Creditcare - Quaterly Results 29 Apr, 2:35 PM Satin Creditcare Network planning to raise funds 12 Apr, 9:21 AM Satin Creditcare Network informs about business update 3 Apr, 10:02 AM Satin Creditcare Network gets latest ISO 27001:2022 Certification 23 Feb, 2:59 PM Satin Creditcare Network informs about press release 21 Feb, 9:56 AM Satin Creditcare Network inaugurates two branches in Telangana 21 Feb, 9:48 AM Satin Creditcare Network crosses Rs 10,000 crore AUM on standalone basis 19 Feb, 9:41 AM Satin Creditcare Network informs about press release 19 Feb, 9:34 AM Satin Creditcare Network informs about newspaper publication 3 Feb, 3:52 PM Satin Creditcare - Quaterly Results 2 Feb, 4:52 PM Satin Creditcare - Quaterly Results 2 Feb, 4:52 PM Satin Creditcare - Quaterly Results 2 Feb, 4:52 PM Satin Creditcare Network submits board meeting intimation 27 Jan, 4:01 PM Satin Creditcare Network informs about board meeting 27 Jan, 3:10 PM Satin Creditcare Network raises Rs 50 crore through NCDs 13 Jan, 10:36 AM Satin Creditcare Network planning to raise funds 11 Jan, 9:52 AM Satin Creditcare Network enters into agreement with Karnataka Bank 29 Dec, 10:59 AM Satin Creditcare Network informs about credit rating 27 Dec, 11:42 AM Satin Creditcare Network approves unaudited interim condensed financials 14 Dec, 4:26 PM Satin Creditcare Network gets nod to raise Rs 45.65 crore via NCDs 30 Nov, 2:05 PM Satin Creditcare Network planning to raise funds 28 Nov, 9:39 AM Satin Creditcare Network informs about allotment of NCDs 25 Nov, 12:02 PM Satin Creditcare Network raises Rs 35 crore through NCDs 25 Nov, 10:52 AM Satin Creditcare Network planning to raise funds 16 Nov, 9:39 AM Satin Creditcare Network raises Rs 20 crore through NCDs 7 Nov, 6:01 PM Satin Creditcare Network informs about transcript of earnings call 3 Nov, 1:56 PM Satin Creditcare Network informs about allotment of equity shares 1 Nov, 2:46 PM Satin Creditcare Network raises Rs 100 crore through NCDs 1 Nov, 12:39 PM Satin Creditcare Network informs about newspaper publication 28 Oct, 2:47 PM Satin Creditcare Network planning to raise funds 28 Oct, 11:10 AM

Satin Creditcare Stock Price Analysis and Quick Research Report. Is Satin Creditcare an attractive stock to invest in?

 

Around 2% of India's total population invests in financial assets. The penetration of the mutual fund industry in India is close to 7% (Based on the number of PAN cardholders). This under penetration of the mutual fund industry offers a huge opportunity for the industry to grow.

Migration to financial savings, wider distribution and sustainable performance are expected to enable growth in the industry.

Also, increasing financial literacy among investors, digitization and the number of mediums available tend to attract more investors to invest in the financial markets.

Satin Creditcare stock price today is Rs 149.42. To understand the functions of the Satin Creditcare better, you must go through the following points:

Key Financials –

  • Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of the company is Rs 422.8441 Cr and the compounded growth of profit in the past 3 years is 221.379988286066 %. The PAT margin of Satin Creditcare is 20.5923 %.

  • EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In Satin Creditcare , the EPS grew by 23.2492 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): The Company has a average ROE track record. The ROE of Satin Creditcare is at 18.5797 % for the latest year.

  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of Satin Creditcare is worth at the current levels at Rs 149.42. The stock is trading at a current P/E ratio of 5.4611 and the average historical P/E for the last 5 years was 6.11686199700851.

  • Share Price: - The current share price of Satin Creditcare is Rs 149.42. One can use valuation calculators of ticker to know if Satin Creditcare share price is undervalued or overvalued.

  • P/B ratio can be one of the best metrics to value such companies. Currently, Satin Creditcare is trading at a P/B of 0.5885 . The average historical P/B for the last 5 years was 0.507870862055574. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

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Brief about Satin Creditcare

Satin Creditcare Network Ltd. Financials: Check Share Price, Balance Sheet, Annual Report, Quarterly Results, Shareholding, Company Profile and News for Company Analysis

Satin Creditcare Network Ltd, a renowned microfinance institution, has been serving the financial needs of underprivileged individuals and micro-enterprises since its inception. With over two decades of experience, Satin Creditcare has emerged as a trusted name in the microfinance sector. The company operates through its extensive network of branches across various states in India, aiming to provide financial inclusion and empower the underserved segments of society.

Satin Creditcare Network Ltd - Share Price

Stay updated on the latest share prices of Satin Creditcare Network Ltd using our pre-built screening tools. Our platform allows you to track the live market performance of Satin Creditcare and analyze trends to make informed investment decisions.

Satin Creditcare Network Ltd - Balance Sheet

Gain insights into the financial health and stability of Satin Creditcare Network Ltd by referring to their balance sheet. Our platform provides access to downloadable annual reports, where you can analyze the company's assets, liabilities, and equity. Make use of our premium features, such as DCF analysis, BVPS analysis, earnings multiple approach, and DuPont analysis, to calculate the fair value of the stock.

Satin Creditcare Network Ltd - Annual Report

Download the annual reports of Satin Creditcare Network Ltd from our website. These reports provide comprehensive information about the company's performance, achievements, and future plans. By studying the annual reports, long-term investors can evaluate the company's growth prospects and make well-informed investment decisions.

Satin Creditcare Network Ltd - Dividend

Stay updated on the dividend payouts of Satin Creditcare Network Ltd through our platform. Our website provides information about the company's dividend history, allowing investors to track the payments and make projections for the future.

Satin Creditcare Network Ltd - Quarterly Result

Obtain the quarterly results of Satin Creditcare Network Ltd from our website. These reports offer a detailed analysis of the company's financial performance and progress over specific periods. Utilize our premium features to assess the quarterly results, and make fair value calculations using tools like DCF analysis, BVPS analysis, earnings multiple approach, and DuPont analysis.

Satin Creditcare Network Ltd - Stock Price

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Satin Creditcare Network Ltd - Price Chart

Analyze the historical price movements of Satin Creditcare Network Ltd using our price chart. Our platform offers interactive charts that display the stock's performance over different time periods. Understand the trends and patterns in the stock price to make effective investment decisions.

Satin Creditcare Network Ltd - News

Keep yourself updated with the latest news and developments related to Satin Creditcare Network Ltd. Our website aggregates news from reliable sources, providing investors with a comprehensive overview of the company's activities, strategic partnerships, regulatory updates, and more.

Satin Creditcare Network Ltd - Concall Transcripts

Access the concall transcripts of Satin Creditcare Network Ltd through our platform. These transcripts provide valuable insights from the company's management, including discussions about financial performance, future strategies, and growth opportunities. Gain a deeper understanding of the company's operations and outlook through these transcripts.

Satin Creditcare Network Ltd - Investor Presentations

Refer to the investor presentations of Satin Creditcare Network Ltd available for download on our website. These presentations highlight the company's key initiatives, financial performance, and growth plans. Investors can use these presentations to evaluate the company's potential and align their investment strategies accordingly.

Satin Creditcare Network Ltd - Promoters

Learn about the promoters of Satin Creditcare Network Ltd, who have played a pivotal role in shaping the company's growth and success. Our platform provides information about the promoters, their background, and their contributions to the microfinance sector.

Satin Creditcare Network Ltd - Shareholders

Discover the major shareholders of Satin Creditcare Network Ltd and their ownership stake in the company. Understanding the prominent shareholders can provide valuable insights into the company's stability and long-term prospects.

At our website, we provide a user-friendly platform that offers comprehensive resources for long-term stock investors seeking stock analysis. With features like downloadable annual reports, concall transcripts, investor presentations, credit ratings, and research reports, we aim to empower investors with the information they need to make informed investment decisions.

Additionally, our premium features allow for fair value calculation using tools such as DCF (Discounted Cash Flow) analysis, BVPS (Book Value Per Share) analysis, earnings multiple approach, and DuPont analysis. These tools enable investors to evaluate the intrinsic value of Satin Creditcare Network Ltd and determine its potential for sustainable growth.

Please visit our website to explore the range of features and resources we offer, and start your stock analysis journey with us today.

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