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Financial Services · Microfinance Institutions

Satin Creditcare Network Ltd (SATIN)

₹238.91

Mkt cap
₹2,639 Cr
P/E ratio
4.96
P/B
0.83
Div yield
0.00%
ROE
12.30%
ROCE
13.80%
EPS (TTM)
₹48.17
Book value
₹287
52W range
136–274
Sector
Financial Services

Price history

Previous close

Satin Network Limited (SCNL) is a leading microfinance institution (MFI) with presence in 23 states & union territory and 95,000 villages. The company offers a bouquet of financial products in the Non‐MFI segment (comprising loans to MSMEs), a housing finance subsidiary, and business correspondent services and similar services to other financial Institutions through Taraashna Financial Services Limited (TFSL), a business correspondent company and a 100% subsidiary of SCNL. [1]

NSE SATINBSE 539404
Health check
Constructive
ValuationCheap
ProfitabilityAverage
TechnicalsBullish
52-week range
−12.85% from high
₹239
₹136+75.91% from low₹274
Current
₹238.91
Prev close
₹251.18
Day
−4.88%
Price performance
1D
−4.85%
1W
+9.48%
1M
+0.55%
3M
−7.16%
6M
+31.72%
1Y
+63.02%
YTD
+65.18%

Financials

Revenue, profit & margin
P/E ratio
5.0×
SATIN is 50% below the sector median of 9.9×
SATIN5.0×
Sector median9.9×
 Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026Trend
Revenue538596642633657684615703781740920762926
Interest217247252251266268264297344289381251335
Expenses173192217237323398327346366355320345351
Financing Profit148156173145681924607196218167240
Financing Margin %28%26%27%23%10%3%4%8%9%13%24%22%26%
Other Income1152141555333
Depreciation6666778678989
Profit before tax143151171141621518586993212161235
Tax %25%25%25%25%27%5%-20%22%23%23%24%24%25%
Net Profit107113128105451422455372162123176
EPS in Rs10.7210.2411.619.534.051.291.984.084.816.5114.6711.1015.92
Gross NPA %
Net NPA %
Raw PDF

Earnings

Results dates & reactions
No upcoming results date on calendar.

Fresh quarters land in the Financials table above, tagged NSE until screener catches up.

Avg earnings-day move +1.56% · closed higher next day 2 of last 3
 Q4FY26†Q1FY27Q2FY27
Broadcast15 Sept '26◦30 Jul '26◦28 Oct '26◦
Earnings day+1.40%−6.84%+10.12%
+1 day+2.30%−10.38%+4.78%
+5 days+4.85%−9.96%—
+15 days+1.17%−12.92%—
+30 days+11.22%−15.83%—
FilingXBRLXBRLXBRL

Corporate actions

Last 6 months

No recent corporate actions

Dividends, splits, and bonuses in the last six months show up here.

Results analysis

Shareholding

as of Sep 2026
36.17%Promoter
Promoters36.17%
FIIs4.89%
DIIs6.30%0.02
Public52.26%0.03
Ownership trend

Peers

5 companies
Valuation vs quality
P/E × ROCE · bubble = market cap
NameCMPP/EMkt CapDiv YldNP QtrQtr Profit VarSales QtrQtr Sales VarROCE
CreditAcc. Gram.₹1,023.6010.3616,4340.00%502+298.67%1,904+26.21%9.98%
Satin Creditcare₹238.914.962,6390.00%176+230.93%926+18.61%13.84%
Muthoot Microfin₹134.889.372,3000.00%81+1,216.18%669+19.69%9.31%
Fusion Finance₹129.2412.422,0930.00%62+167.65%458+3.59%5.92%
Spandana Sphoort₹189.06—1,9930.00%18+107.32%325+41.54%−5.78%
Median: 5 Co.₹189.069.862,3000.00%81+230.93%669+19.69%9.31%

Filings

Annual reports15
Annual Report 2026Annual Report 2025Annual Report 2024Annual Report 2023Annual Report 2022Annual Report 2021Annual Report 2020Annual Report 2019Annual Report 2018Annual Report 2017Annual Report 2016Annual Report 2015Annual Report 2014Annual Report 2013Annual Report 2012
Concall transcripts90
RECOct 2026TranscriptAug 2026PPTAug 2026RECAug 2026TranscriptMay 2026PPTMay 2026TranscriptFeb 2026PPTFeb 2026PPTOct 2025PPTOct 2025TranscriptAug 2025PPTAug 2025RECAug 2025TranscriptMay 2025PPTMay 2025TranscriptFeb 2025PPTFeb 2025PPTFeb 2025TranscriptNov 2024PPTNov 2024RECNov 2024TranscriptAug 2024PPTAug 2024TranscriptMay 2024
Credit ratings6
Rating update 28 OctcrisilRating update 21 OcticraRating update 19 OctcrisilRating update 18 AugcrisilRating update 18 AugcrisilRating update 10 Julinfomerics
Announcements5
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome 29 Oct - Q2/H1 FY27 earnings call audio recording uploaded on company website on October 29, 2026.Announcement under Regulation 30 (LODR)-Newspaper Publication 29 Oct - Announcement under Regulation 30 of SEBI (LODR) Regulations, 2015 - Newspaper PublicationAnnouncement under Regulation 30 (LODR)-Monitoring Agency Report 28 Oct - Board reviewed Q2 FY27 monitoring report; no deviation in preferential warrant proceeds utilization.Statement Of Deviation Or Variation Under Regulation 32 Of SEBI (LODR) Regulations 2015, For Quarter Ended September 30, 2026 28 Oct - October 28, 2026 statement shows no deviation in ₹25.03 crore warrant proceeds utilization.Announcement under Regulation 30 (LODR)-Investor Presentation 28 Oct - Announcement under Regulation 30 of SEBI (LODR) Regulations, 2015 - Investor Presentation