Satin Creditcare Network Limited
Satin Creditcare Network Limited (SATIN) financial statements and selected valuation metrics from NSE/BSE exchange filings through 30 June 2026.
Financial Services›Financial Services›Finance›Microfinance Institutions
satincreditcare.com(opens the company website in a new tab)Key metrics
Price as of 2026-09-02
Stock price
₹218.52
Market cap
2,404 Cr
Stock P/E
5.6
P/B
0.84
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Share price
NSE closing price from historical market data.
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Statement tables · Consolidated
Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.
Amounts in ₹ Cr · NSE preferred when both exchanges report the same period · tap + to expand rows
Quarterly results
Quarterly · ₹ Cr · tap + rows to expand
| Metric | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 227 Cr | 252 Cr | 277 Cr | — | 311 Cr | — | 325 Cr | 324 Cr | 276 Cr | 325 Cr | 250 Cr | 463 Cr |
| Other income | 0.87 Cr | 0.71 Cr | 5 Cr | 2 Cr | 0.56 Cr | 4 Cr | 1 Cr | 5 Cr | 5 Cr | 5 Cr | 3 Cr | 3 Cr |
| Net operating income | 228 Cr | 253 Cr | 282 Cr | 2 Cr | 311 Cr | 4 Cr | 327 Cr | 328 Cr | 281 Cr | 330 Cr | 253 Cr | 466 Cr |
| Employee cost | 110 Cr | 116 Cr | 117 Cr | 125 Cr | 143 Cr | 150 Cr | 168 Cr | 162 Cr | 173 Cr | 173 Cr | 189 Cr | 188 Cr |
| Other expenses | 32 Cr | 39 Cr | 34 Cr | 41 Cr | 42 Cr | 45 Cr | 55 Cr | 47 Cr | 57 Cr | 58 Cr | 53 Cr | 51 Cr |
| Provisions & contingencies | — | — | — | — | — | — | — | — | — | — | — | — |
| Depreciation | 6 Cr | 6 Cr | 6 Cr | 6 Cr | 7 Cr | 7 Cr | 8 Cr | 6 Cr | 7 Cr | 8 Cr | 9 Cr | 8 Cr |
| Profit before tax | 143 Cr | 151 Cr | 171 Cr | 141 Cr | 62 Cr | 15 Cr | 18 Cr | 58 Cr | 69 Cr | 93 Cr | 212 Cr | 161 Cr |
| Tax % | 25.4% | 25.2% | 25.1% | 25.3% | 27.4% | 4.6% | -20.1% | 22.3% | 22.6% | 22.8% | 23.6% | 23.9% |
| Net profit | 107 Cr | 113 Cr | 128 Cr | 105 Cr | 45 Cr | 14 Cr | 22 Cr | 45 Cr | 53 Cr | 72 Cr | 162 Cr | 123 Cr |
| EPS (₹) | ₹10.93 | ₹11.23 | ₹11.66 | ₹9.57 | ₹4.06 | ₹1.30 | ₹1.99 | ₹4.10 | ₹4.83 | ₹6.54 | ₹14.73 | ₹11.15 |
Profit & loss (annual)
Annual · last column is TTM · ₹ Cr · tap + to expand
| Metric | Mar 2019 | Mar 2020BSE balance sheet (this exchange's own filing had none for this period) | Mar 2021BSE balance sheet (this exchange's own filing had none for this period) | Mar 2022BSE balance sheet (this exchange's own filing had none for this period) | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 544 Cr | 524 Cr | 529 Cr | 602 Cr | 632 Cr | 981 Cr | 1,254 Cr | 1,151 Cr | Sign in for TTM |
| Other income | 5 Cr | 4 Cr | 4 Cr | 4 Cr | 2 Cr | 8 Cr | 7 Cr | 18 Cr | Sign in for TTM |
| Net operating income | 549 Cr | 528 Cr | 534 Cr | 606 Cr | 634 Cr | 988 Cr | 1,261 Cr | 1,169 Cr | Sign in for TTM |
| Employee cost | 305 Cr | 351 Cr | 337 Cr | 393 Cr | 388 Cr | 448 Cr | 586 Cr | 686 Cr | Sign in for TTM |
| Other expenses | 119 Cr | 145 Cr | 114 Cr | 131 Cr | 123 Cr | 135 Cr | 184 Cr | 206 Cr | Sign in for TTM |
| Provisions & contingencies | — | — | — | — | — | — | — | — | Sign in for TTM |
| Depreciation | 13 Cr | 18 Cr | 15 Cr | 16 Cr | 18 Cr | 23 Cr | 27 Cr | 30 Cr | Sign in for TTM |
| Profit before tax | 316 Cr | 212 Cr | -10 Cr | 34 Cr | 5 Cr | 583 Cr | 236 Cr | 432 Cr | Sign in for TTM |
| Tax % | 36.2% | 26.8% | -43.3% | 39.4% | 8.2% | 25.2% | 21.1% | 23.1% | Sign in for TTM |
| Net profit | 201 Cr | 155 Cr | -14 Cr | 21 Cr | 5 Cr | 436 Cr | 186 Cr | 332 Cr | Sign in for TTM |
| EPS (₹) | ₹41.67 | ₹30.43 | ₹-2.26 | ₹2.96 | ₹0.62 | ₹44.34 | ₹16.92 | ₹30.20 | Sign in for TTM |
| Dividend payout % | — | — | — | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | Sign in for TTM |
Sign in for TTM
Trailing twelve months totals and margin rows
Balance sheet
Annual · ₹ Cr · tap + rows to expand
| Metric | Mar 2019 | Mar 2020BSE balance sheet (this exchange's own filing had none for this period) | Mar 2021BSE balance sheet (this exchange's own filing had none for this period) | Mar 2022BSE balance sheet (this exchange's own filing had none for this period) | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Equity capital | 49 Cr | 52 Cr | 66 Cr | 75 Cr | 85 Cr | 110 Cr | 110 Cr | 110 Cr |
| Reserves | 1,101 Cr | 1,397 Cr | 1,420 Cr | 1,507 Cr | 1,543 Cr | 2,291 Cr | 2,433 Cr | 2,753 Cr |
| Borrowings | 5,271 Cr | 5,542 Cr | 6,181 Cr | 5,744 Cr | 5,911 Cr | 7,915 Cr | 8,791 Cr | 10,991 Cr |
| Other liabilities | 333 Cr | 309 Cr | 377 Cr | 330 Cr | 310 Cr | 174 Cr | 253 Cr | 528 Cr |
| Total liabilities | 6,753 Cr | 7,300 Cr | 8,045 Cr | 7,655 Cr | 7,850 Cr | 10,490 Cr | 11,587 Cr | 14,387 Cr |
| Fixed assets (net) | 45 Cr | 56 Cr | 88 Cr | 83 Cr | 87 Cr | 92 Cr | 97 Cr | 111 Cr |
| CWIP | 16 Cr | 34 Cr | 4 Cr | 0.18 Cr | — | 0.09 Cr | 0.30 Cr | 7 Cr |
| Investments | 264 Cr | 246 Cr | 8 Cr | 56 Cr | 68 Cr | 63 Cr | 61 Cr | 157 Cr |
| Loans & advances | 4,549 Cr | 4,941 Cr | 5,811 Cr | 5,308 Cr | 6,329 Cr | 8,908 Cr | 9,844 Cr | 11,398 Cr |
| Trade receivables | 12 Cr | 12 Cr | 19 Cr | 3 Cr | 5 Cr | 8 Cr | 2 Cr | 8 Cr |
| Cash & bank | 1,025 Cr | 1,177 Cr | 1,164 Cr | 1,091 Cr | 258 Cr | 424 Cr | 729 Cr | 1,506 Cr |
| Other assets | 842 Cr | 833 Cr | 951 Cr | 1,114 Cr | 1,102 Cr | 995 Cr | 854 Cr | 1,200 Cr |
| Total assets | 6,753 Cr | 7,300 Cr | 8,045 Cr | 7,655 Cr | 7,850 Cr | 10,490 Cr | 11,587 Cr | 14,387 Cr |
Cash flows
Annual · ₹ Cr · tap + rows to expand · last column includes FCF
| Metric | Mar 2019 | Mar 2020BSE balance sheet (this exchange's own filing had none for this period) | Mar 2021BSE balance sheet (this exchange's own filing had none for this period) | Mar 2022BSE balance sheet (this exchange's own filing had none for this period) | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Cash from operating activity | — | — | — | 336 Cr | -956 Cr | -2,069 Cr | -563 Cr | -974 Cr |
| Cash from investing | — | — | — | -51 Cr | -73 Cr | -28 Cr | -45 Cr | -123 Cr |
| Cash from financing | — | — | — | -442 Cr | 390 Cr | 2,263 Cr | 914 Cr | 1,873 Cr |
| Net cash flow | — | — | — | -157 Cr | -639 Cr | 166 Cr | 305 Cr | 777 Cr |
| Free cash flow (OCF − Capex) | — | — | — | 330 Cr | -966 Cr | -2,082 Cr | -583 Cr | -1,003 Cr |
Ratios
Ratios as reported or derived per annual period.
| Metric | Mar 2019 | Mar 2020BSE balance sheet (this exchange's own filing had none for this period) | Mar 2021BSE balance sheet (this exchange's own filing had none for this period) | Mar 2022BSE balance sheet (this exchange's own filing had none for this period) | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| ROCE % | 14.9% | 55.1% | 8.2% | 41.7% | 8.2% | 14.4% | 11.3% | 12.6% |
| ROE % | 17.5% | 10.7% | -0.9% | 1.3% | 0.3% | 18.2% | 7.3% | 11.6% |
| Debtor days | 3 | 3 | 5 | 1 | 1 | 1 | 0 | 1 |
| Inventory days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Days payable | — | — | — | — | — | — | — | — |
| Cash conversion cycle | 3 | 3 | 5 | 1 | 1 | 1 | 0 | 1 |
| Debt / equity | 4.59 | 3.83 | 0.04 | 0.04 | 3.63 | 3.30 | 3.46 | 3.84 |
| Current ratio | — | — | — | — | — | — | — | — |
| Net debt / EBITDA | 4.40 | 0.00 | 0.00 | 0.00 | 8.85 | 5.00 | 6.18 | 5.40 |
Regulatory ratios (standalone basis)
RBI/Basel III ratios — NPA, CET1, CRAR, NIM, ROA — for the licensed banking entity. Always sourced from the standalone filing, even on the consolidated view, since these have no consolidated-group definition.
| Metric | Mar 2019 | Mar 2020BSE balance sheet (this exchange's own filing had none for this period) | Mar 2021BSE balance sheet (this exchange's own filing had none for this period) | Mar 2022BSE balance sheet (this exchange's own filing had none for this period) | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Gross NPA | — | — | — | — | — | — | — | — |
| Gross NPA % | — | — | — | — | — | — | — | — |
| Net NPA | — | — | — | — | — | — | — | — |
| Net NPA % | — | — | — | — | — | — | — | — |
| CET1 % | — | — | — | — | — | — | — | — |
| Additional Tier 1 % | — | — | — | — | — | — | — | — |
| Capital adequacy % | — | — | — | — | — | — | — | — |
| NIM % | — | — | — | — | — | — | — | — |
| ROA % | — | — | — | — | — | — | — | — |
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