Satin Creditcare Network Limited
NSE: SATIN · Microfinance Institutions
Snapshot
Unlock Satin Creditcare Network Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Satin Creditcare Network Limited is a non-banking finance company that provides microfinance services primarily to economically active women in rural and semi-urban India. The company offers a diverse range of credit products, including income-generating loans for agriculture and trade, as well as financing for water, sanitation, and consumer durables.
Business Model
The company operates through a large network of branches, generating revenue primarily through interest income on microcredit and various loan products provided to individuals and corporate entities. It leverages a high-volume, low-ticket size lending model to serve underserved segments of the population.
- Branch Network:1,224
Growth Outlook
Growth is driven by the expansion of its microfinance portfolio and the diversification of its product offerings into housing finance and consumer durable loans. The company continues to scale its reach across rural and urban markets to capture increasing demand for financial inclusion.
Key Risks
- Credit Risk. The company faces significant exposure to default risk as its primary customer base consists of low-income individuals with limited credit history.
- Regulatory Risk. Changes in microfinance regulations and interest rate caps imposed by the Reserve Bank of India could adversely impact profit margins.
- Operational Risk. Managing a vast network of over 1,200 branches across diverse geographies presents challenges in maintaining consistent underwriting standards and operational efficiency.
- Interest Rate Risk. Fluctuations in the cost of funds can compress net interest margins, particularly if the company is unable to pass on increased borrowing costs to its borrowers.
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Key Metrics
REVENUE
₹3,217 Cr
TTM · consolidated
NET PROFIT
₹410 Cr
TTM · consolidated
EPS
₹37.25
TTM · consolidated
RETURN ON EQUITY
15.2%
TTM · consolidated
P/E
5.9x
Q1 FY27 · consolidated
EBITDA MARGIN
57.0%
TTM · consolidated
NET PROFIT MARGIN
16.1%
Q1 FY27 · consolidated
Peers · Microfinance Institutions
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Satin Creditcare Network LimitedSATIN | ₹2,439 Cr | 5.93 | — | 20.5% | 57.0% | 15.2% | 89.1% | +50.7% |
CreditAccess Grameen Ltd.CREDITACC | ₹23,125 Cr | 19.08 | — | 11.9% | 57.1% | 16.4% | 24.0% | +6.4% |
Muthoot Microfin LimitedMUTHOOTMF | ₹3,500 Cr | 14.02 | — | 0.8% | 51.0% | 8.9% | — | +21.9% |
Fusion FinanceFUSION | ₹3,285 Cr | 19.77 | — | -17.0% | 37.3% | 8.2% | — | +19.7% |
Spandana Sphoorty Financial LimitedSPANDANA | ₹1,710 Cr | -5.64 | — | -48.5% | 7.4% | -13.7% | — | -9.0% |
As of Q1 FY27
Financials
Satin Creditcare Network Limited
NSE: SATIN · Microfinance Institutions
Snapshot
Unlock Satin Creditcare Network Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Satin Creditcare Network Limited is a non-banking finance company that provides microfinance services primarily to economically active women in rural and semi-urban India. The company offers a diverse range of credit products, including income-generating loans for agriculture and trade, as well as financing for water, sanitation, and consumer durables.
Business Model
The company operates through a large network of branches, generating revenue primarily through interest income on microcredit and various loan products provided to individuals and corporate entities. It leverages a high-volume, low-ticket size lending model to serve underserved segments of the population.
- Branch Network:1,224
Growth Outlook
Growth is driven by the expansion of its microfinance portfolio and the diversification of its product offerings into housing finance and consumer durable loans. The company continues to scale its reach across rural and urban markets to capture increasing demand for financial inclusion.
Key Risks
- Credit Risk. The company faces significant exposure to default risk as its primary customer base consists of low-income individuals with limited credit history.
- Regulatory Risk. Changes in microfinance regulations and interest rate caps imposed by the Reserve Bank of India could adversely impact profit margins.
- Operational Risk. Managing a vast network of over 1,200 branches across diverse geographies presents challenges in maintaining consistent underwriting standards and operational efficiency.
- Interest Rate Risk. Fluctuations in the cost of funds can compress net interest margins, particularly if the company is unable to pass on increased borrowing costs to its borrowers.
Start your research today
Unlock AI insights, financials, peers and live data on Satin Creditcare Network Limited and 5,000+ companies — free.
Key Metrics
REVENUE
₹3,217 Cr
TTM · consolidated
NET PROFIT
₹410 Cr
TTM · consolidated
EPS
₹37.25
TTM · consolidated
RETURN ON EQUITY
15.2%
TTM · consolidated
P/E
5.9x
Q1 FY27 · consolidated
EBITDA MARGIN
57.0%
TTM · consolidated
NET PROFIT MARGIN
16.1%
Q1 FY27 · consolidated
Peers · Microfinance Institutions
As of Q1 FY27