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Satin Creditcare Network Limited (SATIN.NS)
Gurugram, IN
Satin Creditcare Network Limited (SCNL) is an Indian non-banking financial institution primarily dedicated to providing microfinance services across the nation. The company extends microcredit, predominantly to economically active women in rural, semi-urban, and urban areas, for various income-generating ventures such as agriculture, transportation, trade, and manufacturing, as well as for water and sanitation facilities. Beyond microcredit, SCNL offers a diverse range of financial products, including loans for merchants, retailers, wholesalers, manufacturers, service providers, salaried individuals, self-employed professionals, and agribusinesses. It also provides financing to corporate entities and other microfinance institutions, alongside specialized loans for solar lamps, bicycles, consumer durables, and housing finance solutions. As of March 31, 2022, SCNL operated through an extensive network of 1,224 branches. Established in 1990 and headquartered in Gurugram, India, the company was originally known as Satin Leasing & Finance Private Limited until it rebranded to Satin Creditcare Network Limited in April 2000.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +4.84% | +15.40% | +41.10% | +44.57% | +48.30% | +56.57% | +33.86% | +47.02% | +168.59% | -27.87% | +142.28% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 2 | 0 |
| Buy | 0 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth Financial - Credit Services: +13.2%+40.7% ★ Q1'26: +82.6% (vs Q1'25)
-
EPS growth Financial - Credit Services: +24.0%+78.5% ★ Q1'26: +640.2% (vs Q1'25)
-
FCF margin FCF growth · Financial - Credit Services: +70.9%+16.3% ★ Q1'26: +78.3% (vs Q1'25)
-
EBIT margin Financial - Credit Services: +28.7%+13.7% Q1'26: +23.0% (vs Q1'25)
-
ROIC Financial - Credit Services: +5.0%+53.9% ★ Q1'26: +105.1% (vs Q1'25)
-
Share dilution Financial - Credit Services: +0.0%0.0% ★ Q1'26: 0.0% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×0.00× ★ Q1'26: 0.00× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Mar 2017 actual |
Mar 2018 actual |
Mar 2019 actual |
Mar 2020 actual |
Mar 2021 actual |
Mar 2022 actual |
Mar 2023 actual |
Mar 2024 actual |
Mar 2025 actual |
Mar 2026 1 Rev. Ana. 1 EPS Ana. |
Mar 2027 1 Rev. Ana. 1 EPS Ana. |
Mar 2028 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
7.82B
est: 3.42B (+128.9%)
|
9.59B
est: 4.83B (+98.5%)
|
12.10B
est: 7.34B (+64.8%)
|
11.46B
est: 7.92B (+44.8%)
|
11.91B
est: 6.76B (+76.1%)
|
12.54B
est: 8.46B (+48.1%)
|
12.75B
est: 8.10B (+57.4%)
|
18.60B
est: 12.41B (+49.9%)
|
22.47B
est: 15.85B (+41.8%)
|
17.83B
17.83B – 17.83B
+12.5% YoY
|
20.15B
20.15B – 20.15B
+13.0% YoY
|
23.46B
23.46B – 23.46B
+16.4% YoY
|
| EBITDA |
689.77M
est: 348.93M (+97.7%)
|
1.08B
est: 493.72M (+118.0%)
|
2.89B
est: 749.98M (+285.9%)
|
2.31B
est: -6.72B (+134.4%)
|
64.23M
est: 691.02M (-90.7%)
|
511.67M
est: 864.72M (-40.8%)
|
250.45M
est: -1.87B (+113.4%)
|
6.08B
est: 1.27B (+379.3%)
|
2.66B
est: 1.62B (+64.0%)
|
1.82B
1.82B – 1.82B
+12.5% YoY
|
2.06B
2.06B – 2.06B
+13.0% YoY
|
2.40B
2.40B – 2.40B
+16.4% YoY
|
| EBIT |
629.25M
est: 305.06M (+106.3%)
|
928.69M
est: 431.63M (+115.2%)
|
2.77B
est: 655.67M (+322.4%)
|
2.14B
est: 707.30M (+201.9%)
|
-86.54M
est: 604.13M (-114.3%)
|
350.69M
est: 4.79B (-92.7%)
|
66.51M
est: 4.19B (-98.4%)
|
5.85B
est: 1.11B (+427.8%)
|
2.38B
est: 1.42B (+68.4%)
|
1.59B
1.59B – 1.59B
+12.5% YoY
|
1.80B
1.80B – 1.80B
+13.0% YoY
|
2.10B
2.10B – 2.10B
+16.4% YoY
|
| Net Income |
248.74M
est: 679.84M (-63.4%)
|
754.12M
est: -473.83M (+259.2%)
|
2.01B
est: 4.14B (-51.4%)
|
1.55B
est: 3.78B (-59.0%)
|
-139.82M
est: 1.77B (-107.9%)
|
206.99M
est: 3.32B (-93.8%)
|
48.13M
est: 811.47M (-94.1%)
|
4.36B
est: 4.78B (-8.8%)
|
1.86B
est: 2.25B (-17.5%)
|
2.33B
2.33B – 2.33B
+3.4% YoY
|
3.64B
3.64B – 3.64B
+56.1% YoY
|
4.74B
4.74B – 4.74B
+30.2% YoY
|
| SGA |
251.93M
est: 117.28M (+114.8%)
|
308.52M
est: 165.95M (+85.9%)
|
434.86M
est: 252.08M (+72.5%)
|
569.55M
est: 4.68B (-87.8%)
|
432.30M
est: 232.26M (+86.1%)
|
417.16M
est: 2.90B (-85.6%)
|
463.15M
est: 2.54B (-81.7%)
|
559.53M
est: 426.32M (+31.2%)
|
803.12M
est: 544.30M (+47.5%)
|
612.30M
612.30M – 612.30M
+12.5% YoY
|
691.98M
691.98M – 691.98M
+13.0% YoY
|
805.62M
805.62M – 805.62M
+16.4% YoY
|
| EPS |
6.78
est: 6.18 (+9.7%)
|
16.75
est: -4.31 (+488.9%)
|
39.03
est: 37.64 (+3.7%)
|
28.83
est: 34.37 (-16.1%)
|
-2.26
est: 16.10 (-114.0%)
|
2.96
est: 30.20 (-90.2%)
|
0.62
est: 40.43 (-98.5%)
|
44.34
est: 43.45 (+2.1%)
|
16.92
est: 20.50 (-17.5%)
|
21.20
21.20 – 21.20
+3.4% YoY
|
33.10
33.10 – 33.10
+56.1% YoY
|
43.10
43.10 – 43.10
+30.2% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-11 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-08 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-07 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-06 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-05 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-04 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 3/5 | 1/5 |
| 2026-04-30 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 |
| 2026-04-29 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 |
| 2026-04-28 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 |
| 2026-04-27 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 |
| 2026-04-24 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 |
| 2026-04-23 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 |
| 2026-04-22 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 |
| 2026-04-21 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 |
| 2026-04-20 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 |
| 2026-04-17 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 |
| 2026-04-16 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 4/5 | 1/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | State Street SPDR S&P Emerging Markets Small Cap ETF EWX | 0.02% | 131.2K | 0.65% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Harvinder Pal Singh | Non-Independent Executive Chairman & MD | 48M | male |
| Amit Kumar Gupta | Chief Financial Officer | 10M | male |
| Anil Gupta | Business Head of Products | — | male |
| Anil Kwatra | Chief Business Officer | — | male |
| Jugal Kataria | Group Controller | — | male |
| Manish Kumar Mittal | Head of Finance | — | male |
| Sunil Yadav | Chief Information Officer | — | male |
| Vikas Gupta | Company Secretary & Chief Compliance Officer | — | male |
| Aditi Singh | Chief Strategy Officer | — | female |
| Vikas Wadhera | Chief Risk Officer | — | male |
| Amarjit Singh | Senior Vice President & Chief Audit Officer | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for SATIN.NS
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
