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Satin Creditcare Network LtdMicrofinance InstitutionsINE836B01017Consolidated₹219.32-0.50 (-0.23%)Jun-26

Valuation

Market Cap₹2.42K Cr

TTM PE5.89x

Forward PE5.07x

PEG0.25

Book Value₹259.20

P/B0.85x

TTM EPS₹37.25

Fwd EPS₹43.23

TTM Revenue₹3.17K Cr

TTM PAT₹409.77 Cr

Last Qtr PAT₹122.65 Cr

Profitability

ROE14.31%

ROCE13.21%

TTM NPM12.93%

Curr OPM16.04%

Last OPM17.57%

Curr NPM—

Last NPM—

Curr EPS₹11.15

Last EPS₹14.73

Balance sheet

Equity₹110.04 Cr

Reserve₹2.75K Cr

Total Debt₹10,770.47 Cr

D/E3.76x

Interest %204.58%

Curr Interest₹250.92 Cr

Price / range

Close₹219.32

vs 52W High—

vs 52W Low—

MA50—

MA200—

Returns

1D-0.23%

1W+1.22%

1M-4.14%

3M-5.23%

6M+48.74%

1Y+49.71%

2Y+5.37%

3Y-8.22%

5Y+180.82%

Diwali+52.31%

Sector peers — Microfinance Institutions

Company	Close	Mkt Cap	TTM P/E	ROE
CREDITACC	1387.60	₹22.24K Cr	18.35	15.44%
MUTHOOTMF	189.28	₹3.23K Cr	12.93	8.60%
FUSION	185.12	₹3.00K Cr	18.01	6.86%
SATIN	219.32	₹2.42K Cr	5.89	14.31%
SPANDANA	229.25	₹2.03K Cr	-5.40	-15.36%

Financial Results

Quarterly and yearly P&L · YoY % on Revenue, Total Income, Expenditure, PBT, Net Profit and EPS

Metric	Jun-26	Mar-26	Dec-25	Sep-25	Jun-25	FY25-26
Revenue	670.91+4.6%	811.57	669.87	715.90	641.43	2,822.44
Other Income	0.55	0.56	0.56	0.50	0.56	2.19
Total Income	671.45+4.6%	812.13	670.43	716.41	642	2,824.62
Interest	206.46	343.48	256.34	312.52	266.73	1,179.07
Expenditure	-513.50+12.6%	-631.23	-579.17	-649.52	-587.37	-2,430.95
PBDT	0	0	0	0	0	0
Depreciation	-6.43	-7.47	-7.02	-5.97	-5.37	-25.83
PBT	157.96+189.1%	180.90	91.26	66.89	54.63	393.68
Tax	-37.67	-43.95	-20.61	-15.01	-12.03	-91.60
Equity	110.11	110.04	110.04	110.04	110.04	110.04
OPM	23.53	22.27	13.61	9.34	8.51	13.94
Net Profit	120.29+182.4%	136.95	70.65	51.88	42.60	302.08
NPM	17.91	16.86	10.54	7.24	6.64	10.69
EPS	10.94+182.7%	12.45	6.42	4.72	3.87	27.46

Yearly results

Last 6 financial years · YoY % vs previous FY

Metric	FY 25-26	FY 24-25	FY 17-18	FY 16-17	FY 15-16
Revenue	2,822.44+18.9%	2,373.48	976.64+29.0%	757.22+37.1%	552.27
Other Income	2.19	3.28	0	19.45	6.25
Total Income	2,824.62+18.8%	2,376.76	976.64+25.7%	776.67+39.1%	558.52
Expenditure	-2,430.95-13.4%	-2,143.78	-958.98-30.7%	-733.84-311.7%	-178.25
Interest	-1,179.07	-949.76	-483.27	0	-289.86
PBDT	0	0	17.66	37.20	90.41
Depreciation	-25.83	-23.60	-14.06	0	-2.88
PBT	393.68+69.0%	232.98	3.60-90.3%	37.20-57.5%	87.53
Tax	-91.60	-16.42	0.43	-12.70	-29.59
Equity	110.04	110.04	47.27	37.14	31.50
OPM (%)	13.94	9.80	1.81	4.91	68.86
Net Profit	302.08+39.5%	216.56	4.03-83.6%	24.50-57.7%	57.94
NPM (%)	10.69	9.11	0.41	3.24	10.49
EPS (Rs)	27.46+39.5%	19.69	0.26	0-100.0%	20.28
CEPS	27.46	19.69	3.83	6.60	19.31

Metric	Jun-26	Mar-26	Dec-25	Sep-25	Jun-25	FY25-26
Revenue	713.96+0.8%	919.50	747.47	787.89	708.58	3,143.03
Other Income	2.61	3.05	5.20	4.91	4.69	17.84
Total Income	764.75+7.2%	922.55	752.68	792.80	713.27	3,160.87
Interest	250.92	380.84	289.19	344.28	297.10	1,311.40
Expenditure	-603.55+7.9%	-710.39	-659.56	-724.10	-655.19	-2,728.82
PBDT	0	0	0	0	0	0
Depreciation	-7.94	-9.08	-8.15	-6.86	-6.21	-30.29
PBT	161.20+177.5%	212.16	93.12	68.70	58.08	432.05
Tax	-38.55	-50.11	-21.21	-15.54	-12.98	-99.84
Equity	110.11	110.04	110.04	110.04	110.04	110.04
OPM	21.08	23.00	12.37	8.67	8.14	13.67
Net Profit	122.65+172.0%	162.05	71.91	53.16	45.10	332.21
NPM	16.04	17.57	9.55	6.71	6.32	10.51
EPS	11.15+172.0%	14.73	6.54	4.83	4.10	30.20

Yearly results

Last 6 financial years · YoY % vs previous FY

Metric	FY 25-26	FY 24-25
Revenue	3,143.03+21.1%	2,594.69
Other Income	17.84	7.22
Total Income	3,160.87+21.5%	2,601.91
Expenditure	-2,728.82-15.3%	-2,366.14
Interest	-1,311.40	-1,048.61
PBDT	0	0
Depreciation	-30.29	-27.27
PBT	432.05+83.3%	235.77
Tax	-99.84	-49.64
Equity	110.04	110.04
OPM (%)	13.67	9.06
Net Profit	332.21+78.5%	186.13
NPM (%)	10.51	7.15
EPS (Rs)	30.20+78.5%	16.92
CEPS	30.20	16.92

Corporate Actions

Dividends, bonus issues, and stock splits

Dividend

No dividend history.

Bonus

No bonus history.

Split

No split history.

Financial Results

Standalone

Yearly results

Yearly

Consolidated

Yearly results

Yearly

Corporate Actions

Dividend

Bonus

Split