Satin Creditcare
NSE: SATIN · Microfinance Institutions
Snapshot
Unlock Satin Creditcare'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.
Price
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Key Metrics
REVENUE
₹3,163 Cr
TTM · consolidated
NET PROFIT
₹332 Cr
TTM · consolidated
EPS
₹30.20
TTM · consolidated
RETURN ON EQUITY
12.7%
TTM · consolidated
P/E
8.8x
Q4 FY26 · consolidated
EV/EBITDA
5.6x
Q3 FY25 · consolidated
EBITDA MARGIN
56.3%
TTM · standalone
NET PROFIT MARGIN
17.6%
Q4 FY26 · consolidated
DEBT TO EQUITY
3.0%
Q2 FY26 · standalone
Peers · Microfinance Institutions
| Company | Mkt Cap (Cr) | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Satin CreditcareSATIN | 1,555 | 8.81 | — | 21.9% | 56.3% | 12.7% | 32.6% | +61.0% |
CreditAccess Grameen Ltd.CREDITACC | 18,472 | 30.76 | 16.18 | 5.3% | 49.4% | 10.8% | 19.7% | +15.3% |
Muthoot Microfin LimitedMUTHOOTMF | 2,649 | 24.02 | — | -6.7% | 47.5% | 6.3% | — | +46.5% |
Fusion FinanceFUSION | 2,388 | -221.08 | — | -27.1% | 28.7% | 0.8% | — | +16.1% |
Spandana SphoortSPANDANA | 1,598 | -3.19 | — | -56.7% | -37.1% | -27.9% | — | -1.3% |
As of Q4 FY26
Financials
Satin Creditcare
NSE: SATIN · Microfinance Institutions
Snapshot
Unlock Satin Creditcare'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.
Price
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Unlock AI insights, financials, peers and live data on Satin Creditcare and 5,000+ companies — free.
Key Metrics
REVENUE
₹3,163 Cr
TTM · consolidated
NET PROFIT
₹332 Cr
TTM · consolidated
EPS
₹30.20
TTM · consolidated
RETURN ON EQUITY
12.7%
TTM · consolidated
P/E
8.8x
Q4 FY26 · consolidated
EV/EBITDA
5.6x
Q3 FY25 · consolidated
EBITDA MARGIN
56.3%
TTM · standalone
NET PROFIT MARGIN
17.6%
Q4 FY26 · consolidated
DEBT TO EQUITY
3.0%
Q2 FY26 · standalone
Peers · Microfinance Institutions
As of Q4 FY26