Satin Creditcare Network Ltd
SATIN
Finance
₹ 157.44
Price
₹ 1,717
Market Cap
Small Cap
9.22
P/E Ratio
📊 Score Snapshot
4.83 / 25
Performance
17.87 / 25
Valuation
0.0 / 20
Growth
7.0 / 30
Profitability
29.7 / 100
Avoid
🏢 Company Overview
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🤖 CARL Insights
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📈 Net Profit (Yearly)
📊 Sales (Yearly)
📉 Quarterly Sales Trend
📉 Quarterly Net Profit
📈 Yearly Ratios
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Adj Cash EPS | -82.07 | -192.60 | -132.12 | 23.51 | -161.34 | -31.39 | 93.79 | -250.77 |
| Adj Cash PAT | -906.00 | -2,128 | -1,139 | 178.88 | -1,165 | -225.98 | 634.01 | -1,645 |
| Adj Cash PAT To PAT | -4.87 | -4.88 | -223.31 | 8.57 | 84.04 | -1.46 | 3.15 | -21.96 |
| Adj Cash PE | - | - | - | 4.57 | - | - | 3.80 | - |
| Adj EPS | 16.85 | 39.43 | 0.59 | 2.74 | -1.92 | 21.53 | 29.74 | 11.42 |
| Adj Number Of Shares | 11.04 | 11.05 | 8.62 | 7.61 | 7.22 | 7.20 | 6.76 | 6.56 |
| Adj PE | 8.86 | 6.37 | 215.25 | 39.13 | - | 2.97 | 11.98 | 34.92 |
| Adj Peg | - | - | - | - | - | - | 0.07 | 0.25 |
| Bvps | 230.34 | 217.29 | 188.86 | 207.88 | 205.82 | 201.25 | 170.12 | 135.21 |
| Cash Revenue | 2,602 | 4,465 | 3,095 | 2,773 | 2,747 | 3,000 | 2,885 | 2,057 |
| Cash Revenue To Revenue | 1.00 | 1.00 | 1.00 | 1.01 | 1.00 | 1.00 | 1.00 | 1.00 |
| Fcfe | 30.00 | -174.27 | -793.90 | -354.12 | -517.86 | 18.02 | 714.01 | -1,651 |
| Fcfe Margin | 1.15 | -3.90 | -25.65 | -12.77 | -18.85 | 0.60 | 24.75 | -80.27 |
| Fcfe To Adj PAT | 0.16 | -0.40 | -155.67 | -16.96 | 37.36 | 0.12 | 3.55 | -22.04 |
| Market Cap | 1,648 | 2,774 | 1,098 | 816.93 | 650.16 | 460.66 | 2,408 | 2,616 |
| PB | 0.65 | 1.16 | 0.67 | 0.52 | 0.44 | 0.32 | 2.09 | 2.95 |
| PE | 8.86 | 6.36 | 219.57 | 38.89 | - | 2.97 | 11.98 | 34.89 |
| Peg | - | - | - | - | - | - | 0.07 | 0.25 |
| PS | 0.64 | 0.62 | 0.35 | 0.30 | 0.24 | 0.15 | 0.83 | 1.27 |
| ROE | 7.52 | 21.63 | 0.32 | 1.36 | -0.94 | 11.93 | 19.74 | 9.66 |
| Share Price | 149.27 | 251.05 | 127.35 | 107.35 | 90.05 | 63.98 | 356.14 | 398.76 |
📊 Quarterly Results
| Metric | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 | Mar 2023 | Dec 2022 | Sep 2022 | Jun 2022 | Mar 2022 | Dec 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 621.00 | 1,368 | 1,314 | 1,266 | 1,284 | 1,192 | 1,076 | 924.00 | 858.00 | 832.00 | 720.00 | 690.00 | 726.00 | 346.00 |
| Interest | 264.00 | 268.00 | 266.00 | 251.00 | 252.00 | 247.00 | 217.00 | 185.00 | 158.00 | 155.00 | 145.00 | 159.00 | 157.00 | 155.00 |
| Expenses - | 333.00 | 398.00 | 323.00 | 237.00 | 217.00 | 192.00 | 173.00 | 156.00 | 132.00 | 178.00 | 138.00 | 463.00 | 122.00 | 144.00 |
| Financing Profit | 24.00 | 19.00 | 68.00 | 145.00 | 173.00 | 156.00 | 148.00 | 121.00 | 139.00 | 83.00 | 77.00 | -277.00 | 85.00 | 47.00 |
| Financing Margin % | 3.86 | 1.39 | 5.18 | 11.45 | 13.47 | 13.09 | 13.75 | 13.10 | 16.20 | 9.98 | 10.69 | -40.14 | 11.71 | 13.58 |
| Other Income - | 1.44 | 3.52 | 0.56 | 1.69 | 4.77 | 0.71 | 0.87 | 1.38 | 0.05 | 0.15 | 1.02 | 0.51 | 0.69 | 2.17 |
| Depreciation | 8.00 | 7.00 | 7.00 | 6.00 | 6.00 | 6.00 | 6.00 | 4.00 | 8.00 | 4.00 | 4.00 | 3.00 | 4.00 | 4.00 |
| Profit Before Tax | 18.00 | 15.00 | 62.00 | 141.00 | 171.00 | 151.00 | 143.00 | 118.00 | 132.00 | 79.00 | 75.00 | -280.00 | 82.00 | 46.00 |
| Tax % | -22.22 | 6.67 | 27.42 | 25.53 | 25.15 | 25.17 | 25.17 | 25.42 | 25.00 | 25.32 | 24.00 | 25.00 | 30.49 | 26.09 |
| Net Profit - | 22.00 | 14.00 | 45.00 | 105.00 | 128.00 | 113.00 | 107.00 | 88.00 | 99.00 | 59.00 | 57.00 | -210.00 | 57.00 | 34.00 |
| Profit For PE | 22.00 | 14.00 | 45.00 | 105.00 | 128.00 | 113.00 | 107.00 | 88.00 | 99.00 | 59.00 | 57.00 | -210.00 | 57.00 | 34.00 |
| Profit For EPS | 22.00 | 14.00 | 45.00 | 105.00 | 128.00 | 113.00 | 107.00 | 88.00 | 99.00 | 59.00 | 57.00 | -210.00 | 57.00 | 34.00 |
| EPS In Rs | 1.98 | 1.29 | 4.05 | 9.53 | 11.61 | 10.24 | 10.72 | 9.93 | 11.85 | 7.05 | 7.23 | -27.95 | 7.58 | 4.66 |
| PAT Margin % | 3.54 | 1.02 | 3.42 | 8.29 | 9.97 | 9.48 | 9.94 | 9.52 | 11.54 | 7.09 | 7.92 | -30.43 | 7.85 | 9.83 |
| PBT Margin | 2.90 | 1.10 | 4.72 | 11.14 | 13.32 | 12.67 | 13.29 | 12.77 | 15.38 | 9.50 | 10.42 | -40.58 | 11.29 | 13.29 |
| Tax | -4.00 | 1.00 | 17.00 | 36.00 | 43.00 | 38.00 | 36.00 | 30.00 | 33.00 | 20.00 | 18.00 | -70.00 | 25.00 | 12.00 |
| Yoy Profit Growth % | -83.00 | -87.00 | -58.00 | 20.00 | 30.00 | 93.00 | 87.00 | 142.00 | 73.00 | 75.00 | 422.00 | -160.00 | 50.00 | 142.00 |
| Adj PAT | 22.00 | 14.00 | 45.00 | 105.00 | 128.00 | 113.00 | 107.00 | 88.00 | 99.00 | 59.00 | 57.00 | -210.00 | 57.00 | 34.00 |
| Adj PAT Margin | 3.54 | 1.02 | 3.42 | 8.29 | 9.97 | 9.48 | 9.94 | 9.52 | 11.54 | 7.09 | 7.92 | -30.43 | 7.85 | 9.83 |
💰 Profit & Loss
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 |
|---|---|---|---|---|---|---|---|---|---|
| Sales | 2,595 | 4,468 | 3,098 | 2,756 | 2,754 | 3,000 | 2,886 | 2,062 | 1,602 |
| Interest | 1,049 | 901.00 | 617.00 | 631.00 | 638.00 | 589.00 | 646.00 | 536.00 | 436.00 |
| Expenses - | 1,290 | 733.00 | 911.00 | 700.00 | 737.00 | 685.00 | 471.00 | 365.00 | 322.00 |
| Financing Profit | 256.00 | 599.00 | 22.00 | 47.00 | 2.00 | 225.00 | 326.00 | 130.00 | 44.00 |
| Financing Margin % | 9.87 | 13.41 | 0.71 | 1.71 | 0.07 | 7.50 | 11.30 | 6.30 | 2.75 |
| Other Income - | 7.22 | 6.42 | 1.63 | 3.36 | 2.93 | 3.89 | 2.51 | 0.54 | 0.42 |
| Exceptional Items | - | -0.36 | 0.10 | -0.20 | 0.10 | 0.03 | 0.02 | -0.13 | -0.24 |
| Depreciation | 27.00 | 23.00 | 18.00 | 16.00 | 15.00 | 18.00 | 13.00 | 15.00 | 6.00 |
| Profit Before Tax | 236.00 | 583.00 | 5.00 | 34.00 | -10.00 | 212.00 | 316.00 | 116.00 | 38.00 |
| Tax % | 21.19 | 25.21 | - | 38.24 | -40.00 | 26.89 | 36.39 | 35.34 | 34.21 |
| Net Profit - | 186.00 | 436.00 | 5.00 | 21.00 | -14.00 | 155.00 | 201.00 | 75.00 | 25.00 |
| Minority Share | - | - | - | - | - | - | - | 1.00 | - |
| Profit For PE | 186.00 | 436.00 | 5.00 | 21.00 | -14.00 | 155.00 | 201.00 | 75.00 | 25.00 |
| Profit For EPS | 186.00 | 436.00 | 5.00 | 21.00 | -14.00 | 155.00 | 201.00 | 75.00 | 25.00 |
| EPS In Rs | 16.85 | 39.46 | 0.58 | 2.76 | -1.94 | 21.52 | 29.72 | 11.43 | 4.78 |
| PAT Margin % | 7.17 | 9.76 | 0.16 | 0.76 | -0.51 | 5.17 | 6.96 | 3.64 | 1.56 |
| PBT Margin | 9.09 | 13.05 | 0.16 | 1.23 | -0.36 | 7.07 | 10.95 | 5.63 | 2.37 |
| Tax | 50.00 | 147.00 | - | 13.00 | 4.00 | 57.00 | 115.00 | 41.00 | 13.00 |
| Adj PAT | 186.00 | 435.73 | 5.10 | 20.88 | -13.86 | 155.02 | 201.01 | 74.92 | 24.84 |
| Adj PAT Margin | 7.17 | 9.75 | 0.16 | 0.76 | -0.50 | 5.17 | 6.97 | 3.63 | 1.55 |
🏦 Balance Sheet
| Metric | Mar 2025 | Sep 2024 | Mar 2024 | Sep 2023 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|---|---|
| Accumulated Depreciation | - | - | 87.07 | - | 81.30 | 73.96 | 66.16 | 53.99 | 37.29 | 29.34 |
| Average Total Assets | 11,038 | 10,263 | 9,170 | - | 7,752 | 7,850 | 7,672 | 7,020 | 6,520 | 5,538 |
| Average Total Equity | 2,472 | 2,220 | 2,014 | - | 1,605 | 1,534 | 1,468 | 1,300 | 1,018 | 775.50 |
| Borrowing | 8,791 | - | 7,915 | - | 5,911 | 5,744 | 6,181 | 5,542 | 5,271 | 5,161 |
| Cwip | - | - | - | - | - | - | 4.00 | 34.00 | 16.00 | 16.00 |
| Cash Equivalents | 1,375 | 1,732 | 1,271 | 1,504 | 1,114 | 2,002 | 1,958 | 1,881 | 1,758 | 1,134 |
| Fixed Assets | 137.00 | 138.00 | 133.00 | 131.00 | 129.00 | 126.00 | 131.00 | 94.00 | 81.00 | 75.00 |
| Gross Block | - | - | 219.70 | - | 210.26 | 199.77 | 197.43 | 147.94 | 117.92 | 104.31 |
| Investments | 55.00 | 50.00 | 56.00 | 104.00 | 62.00 | 49.00 | 1.00 | 246.00 | 264.00 | 72.00 |
| Loans N Advances | 9,844 | 9,080 | 46.00 | - | 63.00 | 19.00 | 13.00 | 53.00 | 26.00 | 9.00 |
| Long Term Borrowings | - | 8,388 | - | 7,283 | - | - | - | 5,214 | 5,096 | 5,012 |
| Net Debt | -1,430 | 6,606 | 6,588 | 5,675 | 4,735 | 3,693 | 4,222 | 3,415 | 3,249 | 3,955 |
| Non Controlling Interest | - | - | - | - | - | - | - | - | - | 2.00 |
| Other Asset Items | 174.00 | 173.00 | 8,975 | 7,607 | 6,476 | 5,457 | 5,919 | 4,980 | 4,583 | 4,982 |
| Other Borrowings | - | - | 7,915 | - | 5,911 | 5,744 | 6,181 | - | - | - |
| Other Liability Items | 249.00 | 243.00 | 170.00 | 165.00 | 305.00 | 317.00 | 366.00 | 300.00 | 319.00 | 234.00 |
| Reserves | 2,433 | 2,431 | 2,291 | 1,801 | 1,543 | 1,507 | 1,420 | 1,397 | 1,101 | 838.00 |
| Share Capital | 110.00 | 110.00 | 110.00 | 99.00 | 85.00 | 75.00 | 66.00 | 52.00 | 49.00 | 47.00 |
| Short Term Borrowings | - | - | - | - | - | - | - | 328.00 | 175.00 | 149.00 |
| Short Term Loans And Advances | - | - | 2.00 | - | 1.00 | 1.00 | 2.00 | 2.00 | 1.00 | 2.00 |
| Total Assets | 11,587 | 11,176 | 10,490 | 9,350 | 7,850 | 7,655 | 8,045 | 7,300 | 6,741 | 6,299 |
| Total Borrowings | - | 8,388 | 7,915 | 7,283 | 5,911 | 5,744 | 6,181 | 5,542 | 5,271 | 5,161 |
| Total Equity | 2,543 | 2,541 | 2,401 | 1,900 | 1,628 | 1,582 | 1,486 | 1,449 | 1,150 | 887.00 |
| Total Equity And Liabilities | 11,587 | 11,176 | 10,490 | 9,350 | 7,850 | 7,655 | 8,045 | 7,300 | 6,741 | 6,299 |
| Total Liabilities | 9,044 | 8,635 | 8,089 | 7,450 | 6,222 | 6,073 | 6,559 | 5,851 | 5,591 | 5,412 |
| Trade Payables | 4.00 | 4.00 | 4.00 | 2.00 | 5.00 | 13.00 | 11.00 | 9.00 | 2.00 | 17.00 |
| Trade Receivables | 2.00 | 4.00 | 16.00 | 8.00 | 10.00 | 6.00 | 38.00 | 24.00 | 24.00 | 24.00 |
💵 Cash Flows
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Cash From Financing Activity | 914.00 | 2,263 | 390.00 | -442.00 | 734.00 | 243.00 | 88.00 | 1,394 |
| Cash From Investing Activity | -45.00 | -28.00 | -73.00 | -51.00 | 226.00 | 56.00 | -187.00 | -55.00 |
| Cash From Operating Activity | -563.00 | -2,069 | -956.00 | 336.00 | -945.00 | -225.00 | 611.00 | -1,541 |
| Cash Paid For Acquisition Of Companies | - | - | - | - | - | - | -3.00 | - |
| Cash Paid For Loan Advances | -1,355 | -2,415 | -1,185 | 335.00 | -1,079 | -286.00 | 419.00 | -1,707 |
| Cash Paid For Purchase Of Fixed Assets | -20.00 | -13.00 | -10.00 | -6.00 | -20.00 | - | -19.00 | -21.00 |
| Cash Paid For Purchase Of Investments | -16,252 | -13,547 | -5,309 | -4,771 | - | - | -165.00 | -34.00 |
| Cash Paid For Redemption Of Debentures | - | -576.00 | -380.00 | -818.00 | -215.00 | -329.00 | -347.00 | - |
| Cash Paid For Repayment Of Borrowings | -4,520 | -4,552 | -3,814 | -3,221 | -2,662 | -2,904 | -3,461 | - |
| Cash Receipts From Deposits | - | 10.00 | 54.00 | -116.00 | -90.00 | 29.00 | -71.00 | - |
| Cash Received From Borrowings | 5,448 | 6,564 | 4,248 | 3,200 | 2,470 | 3,224 | 3,493 | - |
| Cash Received From Issue Of Debentures | - | 507.00 | 282.00 | 296.00 | 1,059 | 214.00 | 404.00 | - |
| Cash Received From Issue Of Shares | - | - | - | - | - | - | - | 357.00 |
| Cash Received From Sale Of Fixed Assets | 1.00 | 1.00 | 1.00 | - | - | 21.00 | - | - |
| Cash Received From Sale Of Investments | 16,226 | 13,531 | 5,246 | 4,726 | 245.00 | 34.00 | - | - |
| Change In Other Working Capital Items | 42.00 | -158.00 | -1.00 | -73.00 | 16.00 | -137.00 | 97.00 | -14.00 |
| Change In Payables | 14.00 | 1.00 | -9.00 | -4.00 | 9.00 | 11.00 | -12.00 | 7.00 |
| Change In Receivables | 7.00 | -3.00 | -3.00 | 17.00 | -7.00 | - | -1.00 | -5.00 |
| Change In Working Capital | -1,092 | -2,564 | -1,144 | 158.00 | -1,151 | -381.00 | 433.00 | -1,720 |
| Direct Taxes Paid | -80.00 | -35.00 | -38.00 | -40.00 | -13.00 | -72.00 | -67.00 | -8.00 |
| Net Cash Flow | 305.00 | 166.00 | -639.00 | -157.00 | 15.00 | 73.00 | 512.00 | -203.00 |
| Other Cash Financing Items Paid | -14.00 | 320.00 | 55.00 | 101.00 | 82.00 | 37.00 | - | 1,037 |
| Profit From Operations | 608.00 | 531.00 | 225.00 | 218.00 | 220.00 | 228.00 | 245.00 | 186.00 |
🧾 Shareholding Pattern
| Nse Code | Date | Promoters | Fii | Dii | Public | Others |
|---|---|---|---|---|---|---|
| Satin | 2025-03-31 | - | 4.52 | 6.35 | 52.53 | 0.44 |
| Satin | 2024-12-31 | - | 4.83 | 6.11 | 52.45 | 0.44 |
| Satin | 2024-09-30 | - | 6.09 | 6.59 | 50.70 | 0.44 |
| Satin | 2024-06-30 | - | 7.14 | 7.04 | 49.21 | 0.44 |
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