Market Cap ₹2319 Cr.
Stock P/E 5.0
P/B 0.9
Current Price ₹209.9
Book Value ₹ 226.9
Face Value 10
52W High ₹283.7
Dividend Yield 0%
52W Low ₹ 183
Satin Creditcare Network Ltd is a non-deposit accepting micro finance non-banking financial organization, which is engaged in microfinance activities. The Company operates via finance segment. The Company's products and services encompass agriculture and animal husbandry, buying and selling and service, production and others. The Company additionally gives loans to individual businesses; loans to micro, small and medium firms (MSMEs); product loans for financing purchase of solar lamps, and loans for development of water connection and sanitation facilities. The Company gives its clients income generating loan (IGL) product primarily based on their repayment capability. It operates in Madhya Pradesh, Punjab, Uttar Pradesh, Bihar, Uttarakhand, Rajasthan, Haryana, Gujarat, West Bengal, Maharashtra, Delhi(NCR), Jharkhand, Chhattisgarh, Jammu and Kashmir, Himachal Pradesh and Chandigarh, with a focus on rural and semi-rural regions.
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#(Fig in Cr.) | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 |
---|---|---|---|---|---|---|---|---|---|---|
Operating Revenue | 363 | 345 | 360 | 416 | 429 | 462 | 538 | 596 | 642 | 633 |
Other Income | 1 | 1 | 1 | 0 | 0 | 1 | 1 | 1 | 5 | 2 |
Total Income | 364 | 345 | 361 | 416 | 429 | 464 | 538 | 596 | 647 | 634 |
Total Expenditure | 125 | 463 | 138 | 178 | 132 | 156 | 173 | 192 | 217 | 237 |
Operating Profit | 239 | -118 | 223 | 238 | 297 | 307 | 366 | 404 | 429 | 398 |
Interest Expense | 153 | 159 | 145 | 155 | 158 | 185 | 217 | 247 | 252 | 251 |
Depreciation | 4 | 3 | 4 | 4 | 8 | 4 | 6 | 6 | 6 | 6 |
Profit Before Tax | 82 | -280 | 75 | 79 | 131 | 118 | 143 | 151 | 171 | 141 |
Provision for Tax | 25 | -70 | 18 | 20 | 33 | 30 | 36 | 38 | 43 | 36 |
Profit After Tax | 57 | -210 | 57 | 59 | 99 | 88 | 107 | 113 | 128 | 105 |
Adjustments | 0 | 0 | 0 | -0 | 0 | 0 | 0 | 0 | -0 | 0 |
Profit After Adjustments | 57 | -210 | 57 | 59 | 99 | 88 | 107 | 113 | 128 | 105 |
Adjusted Earnings Per Share | 7.6 | -28 | 7.3 | 7.1 | 11.6 | 10 | 10.8 | 10.3 | 11.7 | 9.6 |
#(Fig in Cr.) | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | TTM |
---|---|---|---|---|---|---|---|---|---|
Operating Revenue | 801 | 1032 | 1443 | 1501 | 1376 | 1377 | 1549 | 2237 | 2409 |
Other Income | 0 | 136 | 99 | 4 | 9 | 4 | 200 | 17 | 9 |
Total Income | 801 | 1168 | 1542 | 1505 | 1384 | 1381 | 1749 | 2255 | 2415 |
Total Expenditure | 322 | 502 | 568 | 686 | 741 | 700 | 1109 | 748 | 819 |
Operating Profit | 480 | 666 | 974 | 818 | 643 | 681 | 640 | 1507 | 1597 |
Interest Expense | 436 | 536 | 646 | 589 | 638 | 631 | 617 | 901 | 967 |
Depreciation | 6 | 15 | 13 | 18 | 15 | 16 | 18 | 23 | 24 |
Profit Before Tax | 38 | 116 | 316 | 212 | -10 | 34 | 5 | 583 | 606 |
Provision for Tax | 13 | 41 | 114 | 57 | 4 | 13 | 0 | 147 | 153 |
Profit After Tax | 25 | 75 | 201 | 155 | -14 | 21 | 5 | 436 | 453 |
Adjustments | -0 | 1 | -0 | 0 | 0 | 0 | 0 | 0 | 0 |
Profit After Adjustments | 25 | 75 | 201 | 155 | -14 | 21 | 5 | 436 | 453 |
Adjusted Earnings Per Share | 6.3 | 14.9 | 38.8 | 28.1 | -2.1 | 2.8 | 0.6 | 39.6 | 42.4 |
# | 1 Year | 3 Year | 5 Year | 10 Year |
---|---|---|---|---|
Sales CAGR | 44% | 18% | 9% | 0% |
Operating Profit CAGR | 135% | 33% | 9% | 0% |
PAT CAGR | 8620% | 0% | 17% | 0% |
# | 1 Year | 3 Year | 5 Year | 10 Year |
---|---|---|---|---|
Share Price CAGR | 3% | 38% | -4% | NA% |
ROE Average | 22% | 8% | 7% | 9% |
ROCE Average | 17% | 11% | 11% | 12% |
#(Fig in Cr.) | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
---|---|---|---|---|---|---|---|---|
Shareholder's Funds | 663 | 885 | 1149 | 1449 | 1486 | 1582 | 1628 | 2401 |
Minority's Interest | 2 | 2 | 0 | 0 | 0 | 0 | 0 | 0 |
Borrowings | 2023 | 4376 | 4784 | 5354 | 5969 | 5015 | 4752 | 7068 |
Current Liability | 2062 | 1036 | 792 | 477 | 573 | 1049 | 1461 | 1011 |
Other Liabilities & Provisions | 4 | -93 | 7 | 20 | -36 | -73 | -79 | 1 |
Total Liabilities | 4755 | 6206 | 6732 | 7300 | 7993 | 7573 | 7761 | 10481 |
Loans | 816 | 4847 | 4549 | 4941 | 5811 | 5308 | 6329 | 8908 |
Investments | 0 | 0 | 0 | 0 | 0 | 48 | 62 | 56 |
Fixed Assets | 73 | 75 | 81 | 94 | 131 | 119 | 122 | 126 |
Other Loans | 16 | 3 | 5 | 7 | 6 | 6 | 4 | 4 |
Other Non Current Assets | 175 | 22 | 18 | 39 | 19 | 24 | 12 | 5 |
Current Assets | 3675 | 1259 | 2080 | 2219 | 2025 | 2060 | 1225 | 1375 |
Total Assets | 4755 | 6206 | 6732 | 7300 | 7993 | 7573 | 7761 | 10481 |
#(Fig in Cr.) | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
---|---|---|---|---|---|---|---|---|
Opening Cash & Cash Equivalents | 268 | 656 | 453 | 966 | 1039 | 1054 | 897 | 258 |
Cash Flow from Operating Activities | -966 | -1541 | 611 | -225 | -945 | 336 | -956 | -2069 |
Cash Flow from Investing Activities | -36 | -55 | -187 | 56 | 226 | -51 | -73 | -28 |
Cash Flow from Financing Activities | 1398 | 1394 | 88 | 243 | 734 | -442 | 390 | 2263 |
Net Cash Inflow / Outflow | 395 | -203 | 512 | 73 | 15 | -157 | -639 | 166 |
Closing Cash & Cash Equivalent | 663 | 453 | 966 | 1039 | 1054 | 897 | 258 | 424 |
# | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
---|---|---|---|---|---|---|---|---|
Earnings Per Share (Rs) | 6.27 | 14.95 | 38.84 | 28.07 | -2.1 | 2.78 | 0.57 | 39.64 |
CEPS(Rs) | 7.81 | 17.75 | 41.31 | 31.25 | 0.16 | 4.94 | 2.74 | 41.7 |
DPS(Rs) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Book NAV/Share(Rs) | 159.35 | 172.07 | 218.07 | 261.45 | 223.33 | 205.51 | 188.67 | 218.28 |
Net Profit Margin | 3.11 | 7.25 | 13.97 | 10.33 | -1.02 | 1.5 | 0.31 | 19.48 |
Operating Margin | 59.12 | 63.15 | 66.68 | 53.36 | 45.66 | 48.28 | 40.15 | 66.32 |
PBT Margin | 4.72 | 11.23 | 21.89 | 14.1 | -0.71 | 2.48 | 0.34 | 26.05 |
ROA(%) | 0.52 | 1.36 | 3.11 | 2.21 | -0.18 | 0.27 | 0.06 | 4.78 |
ROE(%) | 3.95 | 9.97 | 20.17 | 12.05 | -0.96 | 1.37 | 0.31 | 21.8 |
ROCE(%) | 10.47 | 12.33 | 15.43 | 11.94 | 8.57 | 8.87 | 8.37 | 16.62 |
Price/Earnings(x) | 53.12 | 25.02 | 8.8 | 2.13 | 0 | 36.77 | 224.82 | 5.3 |
Price/Book(x) | 2.09 | 2.17 | 1.57 | 0.23 | 0.38 | 0.5 | 0.68 | 0.96 |
Dividend Yield(%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
EV/Net Sales(x) | 5.09 | 5.73 | 3.66 | 2.66 | 3.48 | 3.27 | 3.8 | 4 |
EV/Core EBITDA(x) | 8.51 | 8.88 | 5.42 | 4.88 | 7.45 | 6.61 | 9.18 | 5.94 |
Interest Earned Growth(%) | 0 | 28.82 | 39.81 | 4.04 | -8.33 | 0.09 | 12.5 | 44.43 |
Net Profit Growth | 0 | 200.11 | 169.36 | -23.09 | -109.02 | 248.04 | -76.75 | 8957.32 |
EPS Growth(%) | 0 | 138.2 | 159.85 | -27.72 | -107.5 | 231.97 | -79.55 | 6877.99 |
Interest Coverage(x) % | 1.09 | 1.22 | 1.49 | 1.36 | 0.98 | 1.05 | 1.01 | 1.65 |
# | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 |
---|---|---|---|---|---|---|---|---|---|---|
Promoter | 36.69 | 36.69 | 39.97 | 38 | 39.45 | 41.7 | 39.98 | 36.06 | 36.17 | 36.17 |
FII | 8.47 | 7.49 | 6.66 | 5.87 | 5.67 | 5.54 | 6.93 | 9.58 | 6.66 | 7.14 |
DII | 9.82 | 9.64 | 7.19 | 8.5 | 8.18 | 6.37 | 3.96 | 8.27 | 6.91 | 7.03 |
Public | 45.03 | 46.18 | 46.18 | 47.63 | 46.7 | 46.39 | 49.14 | 46.09 | 50.25 | 49.65 |
Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
# | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 |
---|---|---|---|---|---|---|---|---|---|---|
Promoter | 2.75 | 2.75 | 3.16 | 3.16 | 3.36 | 3.69 | 3.98 | 3.98 | 4 | 4 |
FII | 0.64 | 0.56 | 0.53 | 0.49 | 0.48 | 0.49 | 0.69 | 1.06 | 0.74 | 0.79 |
DII | 0.74 | 0.72 | 0.57 | 0.71 | 0.7 | 0.56 | 0.39 | 0.91 | 0.76 | 0.78 |
Public | 3.38 | 3.46 | 3.65 | 3.96 | 3.98 | 4.11 | 4.9 | 5.09 | 5.55 | 5.49 |
Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total | 7.5 | 7.5 | 7.91 | 8.32 | 8.52 | 8.85 | 9.96 | 11.05 | 11.05 | 11.05 |
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