Satin Creditcare Network Limited provides microfinance and other financial services to underserved customers, particularly in rural and semi-urban markets. Its business benefits from financial inclusion and demand for small-ticket credit. Geographic expansion and digital lending can support growth. Asset quality, collection efficiency, funding costs, regulatory requirements and competition remain important factors.
| Market cap | Sales (TTM) | Net profit (TTM) | P/E | EPS (TTM) | P/B | ROE | ROE previous year | ROA | Debt / equity | Beta |
|---|---|---|---|---|---|---|---|---|---|---|
| ₹2,524 cr | ₹3,217 cr | ₹410 cr | 6.2 | 37.25 | 0.88 | 12.3% | 7.5% | 2.56% | 3.84 | 0.79 |
| Quarter | Sales ₹ cr | Net profit ₹ cr | EPS | EPS YoY | Sales YoY | Net margin |
|---|---|---|---|---|---|---|
| Jun 2026 | 762 | 123 | 11.15 | +171.9% | +7.6% | 16.1% |
| Mar 2026 | 920 | 162 | 14.73 | +640.2% | +48.0% | 17.6% |
| Dec 2025 | 748 | 72 | 6.54 | +403.1% | +9.3% | 9.6% |
| Sep 2025 | 788 | 53 | 4.83 | +19.0% | +19.9% | 6.8% |
| Jun 2025 | 709 | 45 | 4.10 | -57.2% | +12.0% | 6.4% |
| Mar 2025 | 621 | 22 | 1.99 | -82.9% | -3.3% | 3.5% |
| Dec 2024 | 684 | 14 | 1.30 | -88.4% | +14.9% | 2.1% |
| Sep 2024 | 657 | 45 | 4.06 | -62.8% | +22.2% | 6.8% |
| Check | Result |
|---|---|
| Latest quarter EPS up 25%+ on a year ago | ✓ Pass |
| EPS growth accelerating over 3 quarters | ✗ Fail |
| Sales up 25%+, or sales growth accelerating | ✗ Fail |
| Annual EPS up 25%+ in each of the last 2 years | ✗ Fail |
| Net margin above the same quarter last year | ✓ Pass |
| Method | Checks | Score | Verdict |
|---|---|---|---|
| Minervini | ✓ Close above the 150- and 200-day averages ✓ 150-day above 200-day ✓ 200-day rising for a month ✓ 50-day above the 150- and 200-day ✓ Close above the 50-day ✓ At least 25% above the 52-week low · low 137.25 ✓ Within 25% of the 52-week high · high 268.87 ✓ RS percentile 70 or more · RS 82 Trend template - the gate, measured: a modest 21-day edge. | 8/8 | Pass |
| Weinstein | Stan Weinstein's stage analysis on the 30-week moving average. | Stage 2 - advancing | |
| CAN SLIM | ✓ C latest quarter EPS up 25%+ ✗ A annual EPS up 25%+ in each of the last 2 years · O'Neil asks 3; ~2 held ✓ N within 15% of the 52-week high · high 268.87 ✓ S more volume on up days than down days (50 sessions) · 1.32x ✓ L RS percentile 80 or more · RS 82 — I institutional sponsorship rising · shareholding not collected yet ✓ M market in an uptrend (40%+ of stocks above their 200-day) · breadth 45% William O'Neil's growth-leader checklist. | 5/6 | Strong |
| Darvas | ✓ Box top confirmed (3 sessions below the new high) · top 274.14 ✓ Box bottom confirmed (3 sessions holding) · bottom 200.07 ✗ Close above the box top · close 229.25 ✗ Volume at least 1.5x its 50-day average · 0.2x Nicolas Darvas's box: buy the breakout above a confirmed box after a new high. | 49/100 | In box |
| Turtle | ✗ Close above the prior 55-session high · 269.99 ✗ Close above the prior 20-session high · 244.00 ✗ Close below the prior 20-session low · 200.07 Donchian channel breakout - the Turtle traders' entry. | No signal | |
| Greenblatt | The Magic Formula excludes banks and financial companies. | Not applicable | |
| Graham | ✓ Price at or below the Graham number · Graham number 467.27 ✓ P/E 15 or less · P/E 6.2 ✓ P/B 1.5 or less (or P/E x P/B 22.5 or less) · P/B 0.88 — Current ratio 2 or more — 10 years of positive earnings, 20 of dividends · history not held Benjamin Graham's defensive-investor tests. | 100/100 | Undervalued |
| Piotroski | The F-score is built for non-financial companies. | Not applicable |
| Stock | 1M % | 3M % | 6M % | 1Y % | 3Y % | 5Y % | P/E | P/B | ROE % | ROCE % | ROA % | D/E | EV/EBITDA | ₹ Cr | Sales TTM ₹ Cr | Profit TTM ₹ Cr | EPS | Beta |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SATIN this stock | +4.5 | -10.5 | +35.6 | +57.5 | -4.2 | +196.6 | 6.2 | 0.88 | 12.3 | — | 2.56 | 3.84 | — | 2,524 | 3,217 | 410 | 37.2 | 0.79 |
| MANCREDIT | -3.4 | -3.8 | +26.1 | +19.3 | — | — | 25.1 | 2.64 | 9.8 | — | 3.53 | 1.90 | — | 456 | 78 | 18 | 8.6 | 0.55 |
| CREDITACC | -11.6 | -18.1 | -2.2 | -4.8 | -11.4 | +83.3 | 16.2 | 2.51 | 10.5 | — | 2.60 | 3.01 | — | 19,656 | 6,380 | 1,211 | 75.6 | 0.81 |
| FIVESTAR | -6.8 | -12.1 | +6.6 | -4.9 | -34.2 | — | 13.4 | 2.01 | 16.1 | — | 7.27 | 1.11 | — | 14,812 | 3,260 | 1,104 | 37.5 | 1.21 |
| INDOSTAR | -19.6 | -27.4 | -10.0 | -17.3 | +9.3 | -31.9 | — | 0.83 | 3.8 | — | 1.23 | 1.45 | — | 3,130 | 1,414 | -394 | -24.2 | 1.50 |
| MUTHOOTFIN | -9.7 | -14.0 | -27.3 | -23.1 | +105.0 | +65.3 | 9.1 | 2.63 | 30.9 | — | 6.45 | 3.88 | — | 1.03L | 33,431 | 11,458 | 283.3 | 1.30 |
| PFS | +0.1 | -12.7 | -16.7 | -24.3 | -10.2 | +19.3 | 7.5 | 0.55 | 10.9 | — | 6.00 | 0.57 | — | 1,682 | 476 | 223 | 3.5 | 1.06 |