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Satin Creditcare share price

Satin Creditcare Network Ltd.

NSE: SATIN BSE: 539404 SECTOR: Finance Term Lending  35k   92   13

210.15
-2.75 (-1.29%)
NSE: 28 Mar 4:00 PM

Price Summary

Today's High

₹ 218.75

Today's Low

₹ 208.05

52 Week High

₹ 283.55

52 Week Low

₹ 121.95

FinStar

Ownership Below Par
Stock price may face volatility due to ownership structure.
ValuationFair
The stock’s market price justifies its intrinsic value.
EfficiencyPoor
The company seems highly inefficient in case of asset management.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

2321.55 Cr.

Advances

5684.21 Cr.

No. of Shares

11.05 Cr.

P/E

5.92

P/B

0.91

Face Value

₹ 10

Div. Yield

0 %

Book Value (TTM)

₹  229.68

Operating Revenue

1761.05 Cr.

Net Profit

264.33 Cr.

Promoter Holding

36.06 %

EPS (TTM)

₹  35.48

Sales Growth

39.55

ROE

15.37 %

ROCE

12.71%

Profit Growth

557.13 %

* 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.
* 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 Year39.55%
3 Year7.92%
5 Year12.49%

Profit Growth

1 Year557.13%
3 Year19.15%
5 Year26.33%

ROE%

1 Year15.37%
3 Year5.69%
5 Year9.73%

ROCE %

1 Year12.71%
3 Year10.1%
5 Year11.5%

ROA%

3.53554054606698

PEG Ratio

0.01

PAT Margin (%)

15.0097242956345

EPS Growth(%)

477.992106287175

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Dec 2023 36.06 0
Sep 2023 39.98 0
Jun 2023 41.7 0
Mar 2023 39.45 2.08
Dec 2022 38 2.21
Investors List
* Figures given above are % of equity capital

 Strengths

  • PAT margin has surged by 11.8221828170865%.
  • The company is trading at 0.574267857056622 times the book value

 Limitations

  • Provision and contingencies have increased by 226.211841931625%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
Operating Revenue 377.57 396.91 421.92 491.69 547.44
Other Income 0.11 0.21 0.12 0.24 0.17
Interest Expended 144.67 146.03 170.11 200.31 229.57
Operating Expenses 155.77 117.92 133.12 147.99 167.62
Total Provisions 0 0 0 0 0
Depreciation 3.26 7.25 3.94 5.28 5.14
Profit Before Tax 73.98 125.91 114.87 138.35 145.27
Tax 18.85 31.51 28.96 35.08 36.88
Net Profit 55.13 94.4 85.91 103.27 108.38
Adjusted EPS (RS) 6.66 11.13 9.75 10.41 9.85

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

PARTICULARS Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Operating Income 1372.82 1400.97 1271.57 1261.95 1761.05
Other Income 97.18 1.33 6.54 4.03 201.13
Interest 642.7 576.86 617.61 606.41 576.02
Operating Expenses 352.92 397.45 361.32 412.54 432.36
Total Provisions 168.77 214.82 308.95 187.66 612.79
Exceptional Items 0 0 0 0 0
Profit Before Tax 305.62 213.17 -9.76 59.36 341
Tax 110.67 56.9 3.79 19.14 76.67
Profit After Tax 194.94 156.27 -13.55 40.23 264.33
Adjusted EPS (Rs.) 37.63 28.31 -2.04 5.4 31.19

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Equity and Liabilities
Share Capital 48.53 51.71 66.47 74.59 84.8
Total Reserves 1102.89 1401.06 1424.58 1531.66 1828.92
Borrowings 4748.94 5223.04 5815.74 4736.28 4289.47
Other N/C liabilities 7.83 22.28 -32.94 -60.35 9.49
Current liabilities 781.66 456.14 554.56 1025.12 1432.71
Total Liabilities 6689.84 7154.23 7828.42 7307.29 7645.4
Assets
Loans 4460.09 4709.39 5514.96 4897.4 5684.21
Net Block 45.37 56.19 93.67 81.14 84.74
Capital WIP 16.14 34.14 3.65 0.18 0
Intangible WIP 0.2 0 0 0 0
Investments 157.61 267.61 282.61 335.58 741.52
Other Loans 3.91 6.21 4.66 3.54 35.81
Other N/C Assets 1.59 4.3 14.52 30.55 17.19
Current Assets 2004.94 2076.38 1914.35 1958.91 1081.93
Total Assets 6689.84 7154.23 7828.42 7307.29 7645.4
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Dec 2022% Mar 2023% Jun 2023% Sep 2023% Dec 2023%
promoters 38.00 39.45 41.70 39.98 36.06
anureet hp singh 0.87 0.85 0.82 0.73 0.66
harbans singh (deceased) 0.49 0.48 0.46 - 0.37
neeti singh 0.25 0.24 0.23 0.20 0.18
satvinder singh 0.46 0.45 0.44 0.39 0.35
trishashna holdings & inv... 35.54 37.05 39.39 37.92 34.20
wisteria holdings & inves... 0.39 0.38 0.36 0.32 0.29
harbans singh - - - 0.41 -
PARTICULARS Dec 2022% Mar 2023% Jun 2023% Sep 2023% Dec 2023%
investors 62.00 60.55 58.30 60.02 63.94
bajaj allianz life insura... - - - - 1.18
bandhan small cap fund - - - - 1.57
bhawani finvest pvt ltd 2.19 2.47 2.48 2.20 1.99
evli emerging frontier fu... - - - 1.51 2.26
florintree ventures llp 4.93 4.81 4.64 12.35 11.14
icici prudential life ins... - - - - 1.96
indusind bank limited tre... 2.63 2.56 2.47 2.19 1.98
linkage securities privat... 2.27 2.45 2.41 2.14 1.98
massachusetts institute o... 2.67 2.61 2.27 2.01 1.81
nederlandse financierings... 1.71 1.67 1.61 1.43 1.29
rajsonia consultancy serv... 2.46 2.88 2.84 2.52 2.28
societe generale - odi - - - - 1.26
trust team investors limi... 1.22 1.30 1.32 1.17 1.05
aditya birla sun life tru... 3.21 3.10 2.05 1.14 -
llp - 4.81 9.03 15.72 -
asian development bank 1.85 1.81 1.18 - -
nordic microfinance initi... 5.60 5.47 3.53 - -
sbi emerging asia financi... 2.27 2.22 2.13 - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

Satin Creditcare Network gets latest ISO 27001:2022 Certification23 Feb 2024, 2:59PM Satin Creditcare Network informs about press release21 Feb 2024, 9:56AM Satin Creditcare Network inaugurates two branches in Telangana 21 Feb 2024, 9:48AM Satin Creditcare Network crosses Rs 10,000 crore AUM on standalone basis19 Feb 2024, 9:41AM Satin Creditcare Network informs about press release19 Feb 2024, 9:34AM Satin Creditcare Network informs about newspaper publication3 Feb 2024, 3:52PM Satin Creditcare - Quaterly Results2 Feb 2024, 4:52PM Satin Creditcare - Quaterly Results2 Feb 2024, 4:52PM Satin Creditcare - Quaterly Results2 Feb 2024, 4:52PM Satin Creditcare Network submits board meeting intimation 27 Jan 2024, 4:01PM Satin Creditcare Network informs about board meeting 27 Jan 2024, 3:10PM Satin Creditcare Network raises Rs 50 crore through NCDs13 Jan 2024, 10:36AM Satin Creditcare Network planning to raise funds11 Jan 2024, 9:52AM Satin Creditcare Network enters into agreement with Karnataka Bank29 Dec 2023, 10:59AM Satin Creditcare Network informs about credit rating27 Dec 2023, 11:42AM Satin Creditcare Network approves unaudited interim condensed financials14 Dec 2023, 4:26PM Satin Creditcare Network gets nod to raise Rs 45.65 crore via NCDs 30 Nov 2023, 2:05PM Satin Creditcare Network planning to raise funds28 Nov 2023, 9:39AM Satin Creditcare Network informs about allotment of NCDs25 Nov 2023, 12:02PM Satin Creditcare Network raises Rs 35 crore through NCDs25 Nov 2023, 10:52AM Satin Creditcare Network planning to raise funds 16 Nov 2023, 9:39AM Satin Creditcare Network raises Rs 20 crore through NCDs7 Nov 2023, 6:01PM Satin Creditcare Network informs about transcript of earnings call3 Nov 2023, 1:56PM Satin Creditcare Network informs about allotment of equity shares1 Nov 2023, 2:46PM Satin Creditcare Network raises Rs 100 crore through NCDs1 Nov 2023, 12:39PM Satin Creditcare Network informs about newspaper publication 28 Oct 2023, 2:47PM Satin Creditcare Network planning to raise funds28 Oct 2023, 11:10AM Satin Creditcare - Quaterly Results27 Oct 2023, 2:51PM Satin Creditcare - Quaterly Results27 Oct 2023, 2:51PM Satin Creditcare - Quaterly Results27 Oct 2023, 2:51PM Satin Creditcare Network issues Commercial Papers of Rs 54.70 crore19 Oct 2023, 11:29AM Satin Creditcare Network raises Rs 50 crore through NCDs14 Oct 2023, 12:20PM Satin Creditcare Network crosses Rs 10,000 crore mark in AUM 10 Oct 2023, 3:36PM Satin Creditcare Network informs about press release25 Sep 2023, 9:47AM Satin Creditcare Network receives First Tranche Under Category III of AMFIRS 25 Sep 2023, 9:45AM Satin Creditcare Network informs about audio recording of analyst meet 15 Sep 2023, 9:49AM Satin Creditcare Network issues Commercial Papers of Rs 53 crore 30 Aug 2023, 9:42AM Satin Creditcare Network raises Rs 20 crore through NCDs21 Aug 2023, 6:10PM Satin Creditcare Network planning to raise funds8 Aug 2023, 5:53PM Satin Creditcare Network gets nod to raise Rs 14.17 crore via NCDs3 Aug 2023, 2:41PM Satin Creditcare - Quaterly Results28 Jul 2023, 3:01PM Satin Creditcare - Quaterly Results28 Jul 2023, 3:01PM Satin Creditcare - Quaterly Results28 Jul 2023, 3:01PM Satin Creditcare Network planning to raise funds26 Jul 2023, 10:07AM Satin Creditcare Network informs about press release25 Jul 2023, 9:40AM Satin Creditcare Network informs about press release24 Jul 2023, 9:32AM Satin Creditcare Network planning to raise funds18 Jul 2023, 10:00AM Satin Creditcare Network gets nod to raise Rs 5000 crore through NCDs11 Jul 2023, 9:51AM Satin Creditcare Network raises Rs 20 crore through NCDs23 Jun 2023, 9:57AM Satin Creditcare Network informs about disclosure 19 Jun 2023, 12:22PM

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.

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 264.3292 Cr and the compounded growth of profit in the past 3 years is 19.1493750375755 %. The PAT margin of Satin Creditcare is 15.0097242956345 %.

  • 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 477.992106287175 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): The Company has a average ROE track record. The ROE of Satin Creditcare is at 15.3653677583408 % 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 210.15. The stock is trading at a current P/E ratio of 4.09393283641901 and the average historical P/E for the last 5 years was 6.84059668094809.

  • Share Price: - The current share price of Satin Creditcare is Rs 210.15. 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 0.923 . The average historical P/B for the last 5 years was 0.647553231575393. 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

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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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