Satin Creditcare Network Limited
Satin Creditcare Network Limited operates in Microfinance Institutions, part of the Financial Services sector. It booked ₹926 cr of revenue in its latest quarter (Q2 FY27) and kept 19.0% of sales as profit. It is the 2nd largest of 5 Microfinance Institutions companies we track, by market value.
Healthier than 67% of companies in Financial Services, on the 5 of 6 measures we could read for it. Each measure is ranked against the 102–253 companies that reported it.
Measures financial condition, not whether to buy. Learn what this score means · How this is calculated
- RSI (14)
- 59
At close. Not part of the score.
How much profit it earns on the money it employs
Whether reported profit actually arrives as cash
Whether sales and profit have grown, and how steadily
What today's price implies, against our models or its peers
How much of the promoters' stake is pledged, and how much they hold
Not measurable for this company: balance sheet. Those pillars are left out of the score rather than counted as zero.
What if I invest in SATIN?
Set a growth rate and see what a monthly SIP would add up to. Your assumption, our arithmetic.
The starting rate is a round number, not a view on this company — this is your assumption, and the figure above is arithmetic on it. Returns are not steady year to year, and a real holding would not grow in a straight line. We do not publish price targets or predict returns.
P/E, ROE, ROCE and margins are annualised from the latest quarter; per-share and balance-sheet ratios use the most recent balance sheet on file · prices as of 2026-11-04.
An educational model from the company's own filings, every assumption shown — not investment advice or a price target. Prices can stay above or below any model for years.
| Revenue from Operations | ₹926 cr |
| Other Income | ₹3 cr |
| Total Income | ₹929 cr |
| Cost of Materials | ₹0 cr |
| Purchases of Stock-in-Trade | ₹0 cr |
| Employee Benefit Expense | ₹197 cr |
| Finance Costs | ₹335 cr |
| Depreciation & Amortisation | ₹9 cr |
| Other Expenses | ₹64 cr |
| Total Expenses | ₹695 cr |
| Profit before Tax | ₹235 cr |
| Tax Expense | ₹59 cr |
| Net Profit | ₹176 cr |
| Net margin on total income | 18.9% |
| Metric | Q4 FY26 | Q1 FY27 | Q2 FY27 |
|---|---|---|---|
| Revenue | 920 cr | 762 cr | 926 cr |
| Total income | 923 cr | 765 cr | 929 cr |
| Expenses | 710 cr | 604 cr | 695 cr |
| Profit before tax | 212 cr | 161 cr | 235 cr |
| Tax | 50 cr | 39 cr | 59 cr |
| Net profit (owners' share) | 162 cr | 123 cr | 176 cr |
| Net margin (owners' share, on revenue) | 17.6% | 16.1% | 19.0% |
| EPS (₹) | 14.73 | 11.15 | 15.98 |
| Company | Price | Market cap | P/E | ROE | Net margin | 1-yr return |
|---|---|---|---|---|---|---|
| CREDITACCESS GRAMEEN LIMITED | ₹1,059 | ₹16,996 cr | 8.5 | 22.5% | 26.3% | — |
| Satin Creditcare Network Limitedthis company | ₹242 | ₹2,669 cr | 3.8 | 22.2% | 19.0% | — |
| Muthoot Microfin Limited | ₹148 | ₹2,488 cr | 7.6 | 11.4% | 12.2% | — |
| Fusion Finance Limited | ₹144 | ₹2,330 cr | 6.7 | 13.2% | 17.8% | — |
| Spandana Sphoorty Financial Limited | ₹187 | ₹1,654 cr | 20.7 | 3.1% | 5.6% | — |
| Action | Detail | Ex-date |
|---|---|---|
| Rights issue | 125:48 | 4 Aug 2020 |
A company cannot decide everything on its own. Things like a top executive’s pay, issuing new shares, or re-appointing a director have to be put to the people who own the company, and they vote — one vote per share. So whoever owns the most shares has the most say.
Every vote count above is taken from the result the company filed with the stock exchange, certified by an independent counter. To work out what would have happened without the promoters, we simply remove their votes and re-apply the same legal bar the proposal had to clear. Nothing here is an estimate or an opinion.
Most Indian companies are controlled by a family or group — the promoters. The exchange requires them to be listed by name, including members who own no shares at all, and requires the company to disclose any business it does with them.
Names and holdings from the company’s shareholding pattern filed with the exchange; transactions from the related-party note in its annual report. Every figure is as filed — these are legal, disclosed dealings, and what to make of them is your call.
When a company raises money from investors, it has to say up front what the money is for. The rules then make it report, every three months until the money is gone, how much of each of those things it has actually paid for — so a promise made while asking for the money can be checked afterwards.
As of Sep 2026, the company says it has spent 100% of what it set aside. Brickwork Ratings India Private Limited watches the spending on the exchange’s behalf.
Every figure above is taken from the statement the company files with the stock exchange each quarter, for as long as money it has raised remains unspent. The only thing we work out is how much of each stated purpose has been paid for — one number divided by another from the same filing. Whether a plan that changed was a good change is not something a filing can tell you. See the filing