Overview

Detailed Summary

Satin Creditcare Network Limited (SCNL) is a leading microfinance institution in India, primarily providing microfinance services to rural women organized in Joint Liability Groups.
The company achieved a 10% year-on-year growth in AUM, reaching INR 13,341 crores in Q3-FY26, demonstrating resilience amid challenging market conditions.
SCNL expanded its branch network significantly by opening 363 new branches within nine months, supporting its broader geographical outreach strategy.
A significant aspect of SCNL's strategic growth is its investment in technology, exemplified by their acquisition of a deep-tech cybersecurity company, reinforcing their technological capabilities.
Satin Creditcare achieved notable recognition in ESG, scoring 59 in the S&P Global Corporate Sustainability Assessment, showcasing its commitment to sustainable and ethical business practices.

Sector: Finance
Industry: Microfinance Institutions
Market Cap: 2,646 Cr
Volatility: Low Risk
P/E Ratio: 6.5
Industry P/E: 19.2
PEG Ratio: 0.2
P/B Ratio: 0.9
52W High: 274.20
52W Low: 133.50

Sales CAGR

1Y: 22.21%
3Y: 17.21%
5Y: 17.29%
10Y: 15.42%

Profit CAGR

1Y: 78.48%
3Y: 4.55%
5Y: —
10Y: 32.20%

ROE

TTM: 11.60%
3Y: 10.90%
5Y: 10.25%
10Y: 9.49%

ROCE

TTM: 12.56%
3Y: 14.35%
5Y: 13.52%
10Y: 12.99%

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Financial Services Financial Services Finance Microfinance Institutions

Symbol	Watchlist	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
NSIL		5525.60	2,840 Cr	52.11	0.19	0.00	0.36	0.50	0.33
SATIN		239.50	2,646 Cr	6.46	0.92	0.00	11.60	12.56	2.85
MUFIN		131.80	2,613 Cr	95.60	4.55	0.00	4.92	8.00	1.32
RANEHOLDIN		1735.00	2,491 Cr	25.45	2.16	2.69	7.16	10.65	3.56
REPCOHOME		385.50	2,412 Cr	5.07	0.60	1.95	11.77	9.64	2.73
KICL		5468.40	2,390 Cr	64.99	0.21	0.18	0.32	0.43	0.30
ELCIDIN		111000.00	2,220 Cr	20.46	0.26	0.02	1.25	1.48	1.09
Median: 7 Co.	—	1735.00	2,491 Cr	25.45	0.60	0.02	4.92	8.00	1.32

Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

View Standalone

Total Figures

QoQ Changes

Total Figures

	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Revenue	642	633	657	684	621	709	788	747	920	762
Expenses	217	237	323	398	333	352	373	362	320	345
Interest	252	251	266	268	264	297	344	289	381	251
Financing Profit	173	145	68	19	24	60	71	96	218	167
Financing Margin %	26.89	22.92	10.31	2.74	3.92	8.41	8.97	12.85	23.73	21.85
Other Income	4.77	1.69	0.56	3.52	1.44	4.69	4.91	5.20	3.05	2.61
Depreciation	6.39	5.69	6.70	7.30	7.58	6.21	6.86	8.15	9.08	7.94
Profit Before Tax	171	141	62	15	18	58	69	93	212	161
Tax %	25.05	25.34	27.41	4.62	-20.08	22.35	22.62	22.78	23.62	23.91
Net Profit	128	105	45	14	22	45	53	72	162	123
EPS in Rs	11.66	9.57	4.06	1.30	1.99	4.10	4.83	6.54	14.73	—
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Consolidated Profit Loss (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Revenue	782	1,031	1,443	1,500	1,376	1,377	1,549	2,233	2,595	3,143	3,217
Expenses	322	367	474	685	737	700	911	734	1,290	1,387	1,400
Interest	436	534	642	589	638	631	617	901	1,049	1,311	1,265
Financing Profit	24	130	326	225	1.00	46	22	598	256	445	551
Financing Margin %	3.07	12.62	22.58	15.02	0.07	3.35	1.41	26.77	9.86	14.14	17.14
Other Income	20	0.54	2.53	3.92	4.32	4.09	1.73	7.74	7.22	18	16
Depreciation	6.05	15	13	18	15	16	18	23	27	30	32
Profit Before Tax	38	116	316	212	-9.75	34	5.24	583	236	432	535
Tax %	34.08	35.44	36.20	26.77	-43.35	39.44	8.16	25.21	21.06	23.11	23.43
Net Profit	25	75	201	155	-14	21	4.81	436	186	332	410
EPS in Rs	12.85	6.63	18.30	13.91	-2.65	1.67	0.15	40.69	16.92	30.20	30.20
Dividend Payout %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	—

Consolidated Balance Sheet (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	37	47	49	52	66	75	85	110	110	110
Reserves	600	837	1,101	1,397	1,420	1,507	1,543	2,291	2,433	2,753
Borrowings	2,193	5,161	5,271	5,542	6,181	5,744	5,911	7,915	8,791	10,991
Other Liabilities	1,946	253	321	309	377	330	310	174	253	532
Total Liabilities	4,777	6,299	6,741	7,300	8,045	7,655	7,850	10,490	11,587	14,387
Fixed Assets	73	75	81	94	124	119	122	126	131	149
CWIP	12	16	16	34	3.65	0.18	0.00	0.09	0.43	12
Investments	0.00	72	264	246	0.58	49	62	56	55	151
Other Assets	4,692	6,136	6,380	6,926	7,916	7,488	7,665	10,307	11,401	14,075
Total Assets	4,777	6,299	6,741	7,300	8,045	7,655	7,850	10,490	11,587	14,387

Consolidated Cash Flows (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from Operating Activity	-323	-1,541	611	-225	-945	336	-956	-2,069	-563	-974
Cash from Investing Activity	-85	-55	-187	56	226	-51	-73	-28	-45	-123
Cash from Financing Activity	1,024	1,394	88	243	734	-442	390	2,263	914	1,873
Net Cash Flow	617	-203	512	73	15	-157	-639	166	305	777

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Promoters	40.17%	36.21%	36.33%	36.33%	36.33%	36.33%	36.33%	36.33%	36.33%	36.33%	36.33%	36.31%
FIIs	6.96%	9.63%	6.69%	7.17%	6.12%	4.85%	4.54%	4.34%	3.92%	3.56%	3.53%	4.90%
DIIs	3.99%	8.30%	6.95%	7.08%	6.63%	6.14%	6.37%	7.19%	5.20%	5.20%	5.32%	6.35%
Public	48.88%	45.86%	50.03%	49.42%	50.92%	52.67%	52.75%	52.15%	54.54%	54.91%	54.82%	52.44%
Total Shareholders	23,527	28,795	44,333	41,951	50,610	52,490	50,129	49,904	48,704	46,944	44,277	37,727

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Documents

Presentations

Concalls

Reports

Presentations

Investor Presentation

Q4 FY26

Investor Presentation

Q3 FY26

Investor Presentation

Q2 FY26

Investor Presentation

Q1 FY26

Investor Presentation

Q4 FY25

Investor Presentation

Q3 FY25

Investor Presentation

Q3 FY25

Investor Presentation

Q2 FY25

Showing 1 - 8 of 40

Actions

Action Type

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Announcements

Last 7 days

Sentiment

Earnings Call/Transcript

19 hours ago

Satin Creditcare: Q1 FY27 Earnings Call Audio Uploaded

Satin Creditcare Network Ltd uploaded the audio recording of the Q1 FY27 earnings call held on 2026-07-31; link available on the company website.

Earnings Call/Transcript

19 hours ago

Satin Creditcare uploads Q1 FY27 concall audio

Satin Creditcare Network Ltd uploaded the audio recording of its Q1 FY27 earnings call held on July 31, 2026 to the company website; link to the recording provided.

Financial Results

20 hours ago

Satin Creditcare: Q1 FY27 Consolidated Results Published

Satin Creditcare Network Ltd submitted copies of its unaudited consolidated financial results for the quarter ended June 30, 2026, published in Business Standard on July 31, 2026.

Regulatory/Compliance Filing

20 hours ago

Satin Creditcare: Q1 FY27 Unaudited Results Published

Satin Creditcare Network Ltd submitted copies of the unaudited consolidated financial results for the quarter ended June 30, 2026, published in Business Standard on July 31, 2026 under Regulation 30 (LODR).

Investor Presentation

1 day ago

Satin Creditcare Investor Presentation Q1 FY27

Satin Creditcare Network Ltd: Investor presentation for unaudited Q1 FY27 results — AUM ₹13,312 Cr (22% YoY), disbursements ₹3,008 Cr, revenue ₹734 Cr, PAT ₹120 Cr; FY27 guidance and promoter ₹100 Cr infusion.

Investor Presentation

1 day ago

Satin Creditcare Investor Presentation Q1 FY27

Satin Creditcare filed an investor presentation on unaudited standalone and consolidated results for quarter ended June 30, 2026 (Q1 FY27), highlighting AUM and revenue growth, PAT jump, guidance and promoter infusion.

Showing 1 - 6 of 16

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Frequently Asked Questions about Satin Creditcare Network Ltd

Satin Creditcare Network Ltd (SATIN) is currently trading at 239.50 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.

Satin Creditcare Network Limited (SCNL) is a leading microfinance institution in India, primarily providing microfinance services to rural women organized in Joint Liability Groups. The company achieved a 10% year-on-year growth in AUM, reaching INR 13,341 crores in Q3-FY26, demonstrating resilience amid challenging market conditions. SCNL expanded its branch network significantly by opening 363 new branches within nine months, supporting its broader geographical outreach strategy. A significant aspect of SCNL's strategic growth is its investment in technology, exemplified by their acquisition of a deep-tech cybersecurity company, reinforcing their technological capabilities. Satin Creditcare achieved notable recognition in ESG, scoring 59 in the S&P Global Corporate Sustainability Assessment, showcasing its commitment to sustainable and ethical business practices.

Over the past 52 weeks, Satin Creditcare Network Ltd has traded between a low of ₹133.50 and a high of ₹274.20. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.

Satin Creditcare Network Ltd has a market capitalization of approximately 2,645.78. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.

Satin Creditcare Network Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 6.46 and operates in the its sector sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.

Based on its market capitalization of 2,645.78 Cr, Satin Creditcare Network Ltd is classified as a Small Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.

Satin Creditcare Network Ltd operates in the its sector sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.

The Price-to-Earnings (PE) ratio of Satin Creditcare Network Ltd is 6.46. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.

Satin Creditcare reported consolidated AUM of approximately ₹16,000 crore in Q1 FY27, up about 27% year-on-year.

It reported consolidated AUM of ₹16,000 crore and standalone AUM of ₹13,400 crore for Q1FY27.

Satin Creditcare reported consolidated AUM of about ₹16,000 crore in Q1 FY27, up 27% year on year. Standalone AUM was about ₹13,400 crore, up 22% year on year.

The company said the funds are intended to support lending operations, enhance liquidity, strengthen the balance sheet, and back strategic expansion goals for FY 2026-27.

Satin Creditcare Network Ltd

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