Announcement
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 26 Aug
Source: Bse
Satin Creditcare Network Limited (SATIN)
Small CapFinancial Services stocks · Small cap · NSE
Satin Creditcare Network Limited operates in Microfinance, within the Financial Services sector. Use the latest filing and company disclosures below to verify its revenue mix and current business drivers.
₹229.25
-1.96 · -0.85%
Market cap ₹2,389 Cr
Data qualityFresh enough for analysisQuote updated 21 Oct, 04:45 am ISTDetails
Quote21 Oct, 04:45 am IST
Base fundamentals06 Oct 2026 · screener
Latest result30 Jul, 09:55 pm IST
Score21 Oct, 04:30 am IST · v4.3-runtime-valuation
Tags02 May 2026
Coverage12/14 · 86%
Valuation2026-07-20 · Rf 6.8% · Financial Services P/E 17.0 (n=243)
Technical timing lens
Trend score and candlestick chart
67Bullishfull bull SMA stack · SMA20 +3.4% / mo · MACD +
Stock trend: 83
Sector RS: 44
Sector 3M: -5.8% vs Nifty 500 -5.6%
Financial Services FPI tailwindNot confirmed
Latest mapped FPI equity flow was not positive. View sector evidence
Technical chart
SATIND candles · FIT view+37.0%Latest close ₹229.25 on 2026-10-19
Bar
-0.3%
RSI
53
MACD hist
0.54
52W pos
68%
2026-10-19O ₹230.00H ₹231.44L ₹226.20C ₹229.25Vol 76,690 sh
Up bar
Down bar
EMA 20
EMA 50
Volume + 20D avg
Result date
RSI(14)
MACD / signal
Market context
Relative performance and chart statistics
Adjusted completed-session prices, rebased to 100
SATINNifty Financial ServicesNifty 500
- SATIN
- -10.5%
- Nifty 500
- -5.6%
- Nifty Financial Services
- -6.0%
- Vs Nifty 500
- -4.9 pp
Chart stats
19 Oct 2026- From 52W high
- -16.4%
- 52W range position
- 68%
- ATR (14)
- 4.1%
- Volume vs 20D
- 0.14x
- Avg traded value
- ₹12.4 Cr
- 20D price channel
- ₹200.1 - ₹244
₹274.1
₹135.8 - ₹274.1
₹9.4
Latest completed session
20-session average
40.1% annualized volatility
Research snapshot
What the evidence says now
Mixed fundamentals, management evidence is still limited to a financial-only Trust Lite signal, price trend supports entry, and recent execution is consistent.
Suggested next step
Research, do not rush
The evidence is not strongly aligned. Compare peers and wait for a cleaner setup.
U-Score
Legacy · FAIR VALUE55
Fundamental lens: valuation, quality, growth, balance sheet, and cash flow.
Latest result
Good65
Revenue +8.4% · PAT +173.3% YoY
Technical
Bullish67
Price trend and sector-relative-strength timing.
Valuation
Legacy model+75.8%
Legacy margin-of-safety estimate; the revised evidence label remains in shadow validation.
Trust
Limited evidence56
Financial-only signal; management claim evidence is not sufficient yet.
Financials
Fundamentals, quarterly history, margins, returns and balance-sheet evidence
Financials
Fundamentals, quarterly history, margins, returns and balance-sheet evidence
Latest result
Quarter ended 30 Jun 2026
Good · 65/100Rev +8% YoY · PAT +173% YoY · operating leverage
Filed 30 Jul 2026
Open results browser →| Metric | This quarter | YoY | QoQ |
|---|---|---|---|
| Revenue | ₹762 Cr | +8.4% | -17.2% |
| EBITDA | NDF | NDF | NDF |
| Operating margin | NDF | NDF | NDF |
| PAT | ₹123 Cr | +173.3% | -24.1% |
| PAT margin | 16.1% | +974 bps | -147 bps |
NDF means not disclosed in the current structured filing feed. It is intentionally not treated as zero.
Fundamentals
Valuation
- P/E
- 5.83
- P/B
- 0.83
- EV/EBITDA
- 418.13
- Market Cap
- 2389.00Cr
Profitability
- ROE
- 12.30%
- ROCE
- 13.80%
- ROA
- 2.85%
- Dividend Y
- —
Growth (CAGR)
- Revenue 5Y
- 18.00%
- EPS 5Y
- 91.00%
- Revenue 3Y
- 27.00%
- EPS 3Y
- 227.50%
Balance Sheet
- Debt/Equity
- 3.84
- Interest Coverage
- —
- Altman Z
- 0.47
- Book Value
- 259.00
Cash Flow
- FCF Yield
- —
- FCF Positive Y
- 2/5
- OCF
- -974.00 Cr
- EPS TTM
- 37.09
Shareholding
- Promoter Hold
- 36.17%
- Promoter Pledge
- 0.00%
- Momentum 52W
- 58%
Financial History
Updated 19/10/2026
Revenue
₹ CrLatest: 762-17.2% vs prev
Net Profit
₹ CrLatest: 123-24.1% vs prev
ROE is shown only in the Annual view — quarterly equity data isn't published.
Technicals
Trend interpretation, Stage 2, relative strength, volume and indicator evidence
Technicals
Trend interpretation, Stage 2, relative strength, volume and indicator evidence
Daily technical trend read
Bullish setupTrend is constructive — long-term uptrend intact. RSI 53.
- Price > SMA20 > SMA50 > SMA200 — full bullish stack.
- SMA20 rising (~3.3% over last month) — short-term momentum positive.
- RSI(14) at 53 — sideways, no extreme reading.
- MACD above signal, histogram expanding — bullish momentum building.
- 16% off 52W high · 69% above 52W low.
Mechanical read from the price + indicator series above. Not a recommendation — technical setups can reverse without warning, especially around earnings and macro events.
Nifty 500 leadership
Relative Strength & Trend Stage
85
RS percentile
Stage 2 UptrendEstablished S2
1M return
+4.5%
3M return
-10.5%
6M return
+34.5%
1Y return
+45.0%
RS 1D
+1
RS 20D
+2
Sector rank
#10
Industry rank
#47
Stage evidence
- Price is 6.1% above the 30-week proxy.
- The 50-DMA is above the 30-week proxy and its slope is rising +5.0%.
50-DMA
price above
200-DMA
price above
S2 entered
14 Apr 2026
S2 age
133 trading sessions
Sector
weakening
Industry
weakening
Relative-strength line vs Nifty 500 (base 100)
261 observations
19 Oct 2026Value 161.05+0.18%
RS vs Nifty 500161
Valuation & peers
U-Score 55 · legacy U-Score band FAIR VALUE · valuation evidence and comparable companies
Valuation & peers
U-Score 55 · legacy U-Score band FAIR VALUE · valuation evidence and comparable companies
Deep Value
Fundamental score breakdown
U band · FAIR VALUEValuation29/30
Growth21/25
Quality3/20
Balance Sheet0/15
Cash Flow1/10
Piotroski
3/9 (+1)
Penalties
0
Raw sum
55
Why this score?
Top U-Score contributors and drags from the latest stored fundamentals.
55/100 · legacy band FAIR VALUE
Positive drivers
- Fair-value margin of safety is positive at 75.8%.
- Valuation contributes 29/30 to the score.
- Growth contributes 21/25 to the score.
Main drags
- Altman Z is 0.5, in distress territory.
- Balance sheet is weaker at 0/15; verify the latest quarterly trend.
- Cash flow is weaker at 1/10; verify the latest quarterly trend.
Sector valuation model
NBFC valuation: P/B, ROA, borrowing cost, and asset quality
Lenders can look optically cheap before credit losses emerge, so valuation is tied to book quality.
Primary lens
P/B adjusted for ROA/ROE and leverage quality.
Secondary checks
AUM growth, spreads, credit cost, liquidity and ALM risk.
Main risk check
Fast growth with weak asset quality deserves a discount.
PE
5.8
PB
0.8
EV/EBITDA
418.1
ROE
12.3%
ROCE
13.8%
FCF Yield
—
Debt/Equity
3.8
MoS
+75.8%
Score movement
Stored run vs live recompute
This shows the stored score trend when snapshots exist, and also compares the latest stored nightly score with a live recompute from current fundamentals and price.
Stored run: 21 Oct 2026
v4.3-runtime-valuation
Final score
55
Previous: 55
Legacy U-Score band
FAIR VALUE
Previous: FAIR VALUE
Margin of safety
+75.8%
Previous: +75.8%
Score history
12 stored score snapshots. Latest stored move: +0 points.
21 Oct 2026
v4.3-runtime-valuation
55
55
55
55
55
55
55
55
55
55
55
55
Factor attribution
No pillar movement versus the latest stored run. Historical score trend will appear after snapshot storage is enabled.
Modelled fair value
Graham Number
₹464.91
+50.7% MoS
Growth-justified P/E
25.5
Growth-justified Value
₹945.8
+75.8% MoS
PEG
0.04
Comparable companies
Peers
Business-comparable peers in Financial Services — ranked by industry, sub-sector, theme-tag overlap, market cap, and U-Score similarity. Green cells mark the best available peer metric in this table.
Ticker
Name
Why peer
Score
PE
ROE
MoS
Verdict
MUTHOOTMF
Small
Muthoot Microfin Limited
NBFC / Capital Markets / Insurance
match 156
43
12.2
6.2%
+54%
WATCHLIST
SPANDANA
Small
Spandana Sphoorty Financial Limited
NBFC / Capital Markets / Insurance
match 154
13
—
-29.4%
—
OVERVALUED
REPCOHOME
Small
Repco Home Finance Limited
NBFC / Capital Markets / Insurance
match 130
51
4.3
12.4%
+86%
FAIR VALUE
PFS
Small
PTC India Financial Services Limited
NBFC / Capital Markets / Insurance
match 129
58
8.1
11.0%
+70%
FAIR VALUE
MUFIN
Small
Mufin Green Finance Limited
NBFC / Capital Markets / Insurance
match 128
15
69.2
6.7%
-178%
OVERVALUED
Business, management & trust
Growth engines, risks, management commitments and evidence-backed delivery
Business, management & trust
Growth engines, risks, management commitments and evidence-backed delivery
Business and thesis
Issuer presentation review pending
Satin Creditcare Network Limited operates in Microfinance, within the Financial Services sector. Use the latest filing and company disclosures below to verify its revenue mix and current business drivers. The structured result feed currently covers the quarter ended 30 Jun 2026. Investor presentations and earnings-call PDFs will be added as issuer-backed evidence before management claims appear here.
Trust Score
56Limited evidence · low confidenceTrust Lite
Trust asks: does management behaviour match later outcomes? Higher is better, but confidence and evidence depth matter as much as the number.
Limited evidence: Claim history is still being built. It ranks around the 18th percentile of the scored universe and 31st percentile within Financial Services. Main check: balance sheet trust is weak at 22/100.
This is a financial-behaviour screen, not a claim-tested management reliability verdict.
Computed 05 Sept 2026
management-trust-v1
151 docs text-extracted · 63 concalls text-extracted
Score band
Limited evidence
Financial behaviour is scored, but management claims do not yet have enough outcome checks.
Relative rank
18th percentile
overall median 67 · Financial Services: 31st pctile, median 62 · Small: 20th pctile, median 66
Evidence depth
Financial-only
151 documents have extracted text, but claim history is not strong enough yet.
Claim delivery
Outcome history still building
0 claims extracted · No contradicted claim yet
How to read this Trust Score
Limited evidence · low confidenceWhat it measures
Reliability of management and financial delivery, using financial behaviour only.
Confidence
Treat this as an early read until more concalls and outcomes are matched.
Investor use
Needs extra due diligence; demand valuation comfort and recent improvement.
Read Trust alongside U-Score, result consistency, and technical trend. A cheap stock with weak Trust needs a larger margin of safety; a high Trust score does not make an expensive stock attractive by itself.
Forensic breakdown
Read low sub-scores as due-diligence warnings, not automatic sell signals.
Promoter
78
strong · holding, pledge, alignment
Cash flow
40
weak · profit to cash conversion
Balance sheet
22
weak · leverage and solvency
Discipline
68
acceptable · capital discipline
Results
82
strong · quarterly consistency
Trust positives
- ▸Promoter pledge is zero.
- ▸4/4 latest quarters had positive YoY revenue growth.
- ▸4/4 latest quarters had positive YoY PAT growth.
- ▸Latest 3 quarters had positive YoY PAT growth.
Trust risks
- ▸Operating cash flow is negative at ₹-974 Cr.
- ▸Debt/equity is 3.84.
- ▸Altman Z is 0.47.
- ▸4 older quarters in the 8-quarter window had PAT decline worse than 25% YoY.
Trust Lite uses financial behaviour only. Prefer claim-tested Trust when enough concall claims have later outcomes.
Continue researching Satin Creditcare Network Limited
Important announcements & filings
Latest exchange and company disclosures found within the past two years.
Open source ↗
Announcement
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 26 Aug
Source: Bse
Announcement
Announcement under Regulation 30 (LODR)-Press Release / Media Release 6 Aug - SCNL launches ₹1 crore flood relief drive for 15,000 Assam families.
Source: Bse
Announcement
Announcement under Regulation 30 (LODR)-Newspaper Publication 11 Jul - Newspaper Advertisement for 36th Annual General Meeting and E-Voting information
Source: Bse
Annual report
Reg. 34 (1) Annual Report. 10 Jul
Source: Bse
Annual report
Annual Report 2026
Source: Bse
Annual report
Annual Report 2025
Source: Bse
All information is for study purposes only. For investment decisions, consult your financial advisor. See Playbook for methodology.