Satin Creditcare Network Limited
Satin Creditcare Network Limited operates in Microfinance Institutions, part of the Financial Services sector. It booked ₹762 cr of revenue in its latest quarter (Q1 FY27) and kept 16.1% of sales as profit. It is the 4th largest of 5 Microfinance Institutions companies we track, by market value.
Healthier than 66% of companies in Financial Services, on the 5 of 6 measures we could read for it. Each measure is ranked against the 95–250 companies that reported it.
Measures financial condition, not whether to buy. Learn what this score means · How this is calculated
- RSI (14)
- 43
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 We do not publish price targets or predict returns.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 2026-09-17.
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 | ₹762 cr |
| Other Income | ₹3 cr |
| Total Income | ₹765 cr |
| Cost of Materials | ₹0 cr |
| Purchases of Stock-in-Trade | ₹0 cr |
| Employee Benefit Expense | ₹188 cr |
| Finance Costs | ₹251 cr |
| Depreciation & Amortisation | ₹8 cr |
| Other Expenses | ₹51 cr |
| Total Expenses | ₹604 cr |
| Profit before Tax | ₹161 cr |
| Tax Expense | ₹39 cr |
| Net Profit | ₹123 cr |
| Net margin on total income | 16.0% |
| Metric | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|
| Revenue | 747 cr | 920 cr | 762 cr |
| Total income | 753 cr | 923 cr | 765 cr |
| Expenses | 660 cr | 710 cr | 604 cr |
| Profit before tax | 93 cr | 212 cr | 161 cr |
| Tax | 21 cr | 50 cr | 39 cr |
| Net profit (owners' share) | 72 cr | 162 cr | 123 cr |
| Net margin (owners' share, on revenue) | 9.6% | 17.6% | 16.1% |
| EPS (₹) | 6.54 | 14.73 | 11.15 |
| Company | Price | Market cap | P/E | ROE | Net margin | 1-yr return |
|---|---|---|---|---|---|---|
| CREDITACCESS GRAMEEN LIMITED | ₹1,371 | ₹21,968 cr | 11.1 | 25.2% | 27.7% | — |
| Muthoot Microfin Limited | ₹188 | ₹3,155 cr | 9.7 | 11.4% | 12.2% | — |
| Fusion Finance Limited | ₹184 | ₹2,980 cr | 11.9 | 10.2% | 13.6% | — |
| Satin Creditcare Network Limitedthis company | ₹220 | ₹2,421 cr | 4.9 | 17.1% | 16.1% | — |
| Spandana Sphoorty Financial Limited | ₹227 | ₹1,815 cr | 38.1 | 2.2% | 4.2% | — |
| 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.