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Satin Creditcare Network Ltd.

239.00−12.10 (−4.82%)

BSE · 30 Oct, 4:01 PM

: ₹2,638.05 Cr
: 4.95
: 52,339
: ₹252.00 - ₹235.20
: ₹274.20 - ₹136.25

Satin Creditcare Network Ltd. (SATIN) share price closed at ₹239.00 on the BSE on Friday, October 30, 2026, down by 4.82% from its of ₹251.10. In that session SATIN reached a of 252.00 and of 235.20. The for the session was 240.41. The stands at 224.55 and is at 202.35. Looking at , the stock ended the session in Downtrend.

Stock Overview

₹251.60

₹251.10

₹240.41

₹224.55

Price 6.44% above

₹202.35

Price 18.11% above

Key Fundamentals

: 2,638.05 Cr₹2.64 Thousand Crore
: 48.20
: 4.95
: 0.83
: 287.24
: 2,053.65 Cr₹2.05 Thousand Crore
: 0.00 %
Sector
Industry: Finance Term Lending
: 12.30
: 3.84

Industry Comparison

Ratio	Company	Sector
	4.95	19.05
	3.84	0.27
	0.83	1.34
	0.44	1.67
	0.00 %	0.12 %
Operating Margin	48.98 %	47.62 %

Sector figures are the median of 194 listed Finance companies.

Peer Comparison

Name
POWER FINAN PFC	314.00	3.98	1,03,623.20	5.91	8,997.92	0.18%	28,526.86	-0.04%	10.05
RECLTD RECLTD	285.00	4.97	75,046.88	6.51	3,477.73	-21.23%	15,000.40	-1.00%	9.71
IFCI LTD IFCI	54.65	84.41	14,724.43	0.00	60.27	-3.46%	327.06	-19.68%	7.56
TOURISM FINA TFCILTD	157.65	85.49	7,298.84	0.38	18.38	-8.25%	51.00	-17.46%	10.45
Satin Creditcare Network Ltd. SATIN	239.00	4.95	2,638.05	0.00	175.90	230.92%	925.84	18.61%	12.15
TRU TRU	3.96		47.43	0.00	-11.57	64.84%	12.26	-46.25%	-14.55
IRFC IRFC	73.40

Quarterly Results

consolidated figures in ₹ Crores · Quarterly

Particulars	Sep 2021	Sep 2022	Mar 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
	325.41	359.67	429.20	537.61	642.11	632.66	656.90	684.07	615.13	703.15	780.56	747.48	919.50	762.14	925.84
Expenses	154.48	137.54	132.03	172.66	217.47	236.64	323.11	397.51	327.08	374.63	365.64	362.23	320.47	282.27	350.58
	170.93	222.14	297.17	364.95	424.64	396.02	333.79	286.56	288.05	328.52	414.93	385.25	599.03	479.87	575.26
	52.53%	61.76%	69.24%	67.88%	66.13%	62.60%	50.81%	41.89%	46.83%	46.72%	53.16%	51.54%	65.15%	62.96%	62.13%
	0.50	1.02	0.05	0.87	4.77	1.69	0.56	3.52	1.44	4.69	4.91	5.20	3.05	2.61	3.39
Interest	153.83	144.87	157.91	216.69	251.95	251.00	266.09	267.83	263.68	268.92	344.28	289.19	380.84	313.34	335.05
	3.92	3.54	7.81	6.05	6.39	5.69	6.70	7.30	7.58	6.21	6.86	8.15	9.08	7.94	8.96
	13.67	74.75	131.50	143.08	171.08	141.01	61.58	14.95	18.23	58.08	68.70	93.12	212.16	161.20	234.64
	19.96%	23.49%	25.01%	25.38%	25.05%	25.34%	27.42%	4.62%	-20.11%	22.35%	22.62%	22.78%	23.62%	23.92%	25.03%
	10.95	57.20	98.60	106.78	128.22	105.28	44.69	14.26	21.89	45.10	53.16	71.91	162.02	122.67	175.92
	1.53	7.27	11.63	10.76	11.65	9.57	4.06	1.30	1.99	4.10	4.83	6.53	14.72	11.14	15.98

Profit & Loss

consolidated figures in ₹ Crores · Annual

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
No of Months	12.00	12.00	12.00	12.00	12.00
INCOME :
Operating Income	1,377.05	1,549.16	2,232.79	2,571.38	3,143.03
Operating Income (Net)	1,377.05	1,549.16	2,232.79	2,571.38	3,143.03
EXPENDITURE :
Employee Cost	393.12	387.60	447.91	575.50	686.35
Operating & Establishment Expenses	30.22	28.58	25.52	29.32	38.60
Administrations & Other Expenses	50.28	73.71	92.32	122.31	135.42
Provisions and Contingencies	226.52	618.68	177.69	571.66	743.29
	700.15	1,108.58	743.44	1,298.79	1,603.66
Operating Profit (Excl OI)	676.90	440.58	1,489.34	1,272.59	1,539.37
	4.09	199.78	17.23	17.38	21.30
	680.99	640.37	1,506.57	1,289.98	1,560.66
Interest	630.72	616.73	901.02	1,026.94	1,098.32
	16.10	18.39	22.66	27.27	30.29
Profit Before Taxation & Exceptional Items	34.18	5.24	582.89	235.77	432.05
	34.18	5.24	582.89	235.77	432.05
Provision for Tax	13.48	0.43	146.95	49.64	99.84
	20.70	4.81	435.94	186.13	332.21
Extra items			0.00	0.00	0.00
Minority Interest					-0.02
Consolidated Net Profit	20.70	4.81	435.94	186.13	332.19
Profit Balance B/F	260.08	248.65	197.35	545.76	651.33
Appropriations	280.78	253.46	633.29	731.88	983.52
	2.78	0.57	39.64	16.92	30.20
Adjusted EPS	2.78	0.57	39.64	16.92	30.20

Balance Sheet

consolidated figures in ₹ Crores

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
	74.59	84.80	110.04	110.04	110.04
Share Warrants & Outstandings	50.00	29.27		0.45	2.84
Total Reserves	1,457.26	1,514.06	2,290.81	2,432.37	2,750.51
Reserve excluding Revaluation Reserve	1,457.26	1,514.06	2,290.81	2,432.37	2,750.51
Revaluation reserve			0.00
	1,581.85	1,628.12	2,400.85	2,542.86	2,863.40
Minority Interest					4.12
Secured Loans	4,304.39	4,127.42	800.61	4,173.24	5,382.31
Unsecured Loans	710.30	624.08	3,494.69	73.64	197.71
Deferred Tax Assets / Liabilities	-82.54	-88.57	-9.08	-44.41	48.27
Other Long Term Liabilities			15.14		0.06
Long Term Provisions	9.82	9.34	7.12	13.76	17.77
Total Non-Current Liabilities	4,941.98	4,672.27	4,308.48	4,216.24	5,646.11
Trade Payables	29.71	20.60	3.86	3.28	6.95
Other Current Liabilities	290.37	280.26	142.70	231.72	442.16
Short Term Borrowings	728.83	1,159.75	3,614.33	4,544.56	5,411.44
Short Term Provisions			5.41	4.06	3.82
Total Current Liabilities	1,048.90	1,460.60	3,766.29	4,783.62	5,864.37
Total Liabilities	7,572.73	7,760.99	10,475.62	11,542.72	14,378.00
Loans (Non - Current Assets)	5,308.42	6,328.86	8,908.12	9,869.89	11,397.64
Gross Block	192.08	202.56	212.00	226.01	254.10
Less: Accumulated Depreciation	73.25	80.25	85.70	95.22	105.34
	118.83	122.32	126.30	130.79	148.77
	0.18		0.09	0.30	7.31
Non Current Investments	47.97	61.76	51.18	55.10	101.85
Long Term Investment	47.97	61.76	51.18	55.10	101.85
Long Term Loans & Advances	5.69	3.74		10.97	5.82
Other Non Current Assets	24.19	12.27	235.05	165.25	129.11
Total Non-Current Assets	5,512.27	6,535.58	9,327.07	10,238.44	11,800.73
Currents Investments	0.59				49.38
Sundry Debtors	2.76	5.39	8.45	1.94	8.14
Cash and Bank	2,001.94	1,114.36	1,045.45	1,222.16	2,125.04
Other Current Assets	43.08	57.97	83.09	72.02	360.27
Short Term Loans and Advances	12.08	47.69	11.56	8.17	34.45
Total Current Assets	2,060.46	1,225.41	1,148.55	1,304.28	2,577.27
Net Current Assets (Including Current Investments)	1,011.56	-235.18	-2,617.74	-3,479.33	-3,287.10
Total Assets	7,572.73	7,760.99	10,475.62	11,542.72	14,378.00
	16.69	47.33	44.05	27.11	25.87
Total Debt	5,743.52	5,911.25	7,909.64	8,791.44	10,991.46
	205.51	188.67	218.28	231.15	260.07
Adjusted Book Value	205.51	188.67	218.28	231.15	260.07

Cash Flow

consolidated figures in ₹ Crores

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
No of Months	12.00	12.00	12.00	12.00	12.00
	34.18	5.24	582.89	235.77	432.05
Adjustment	184.13	219.60	-51.97	372.45	177.63
Changes In working Capital	158.02	-1,143.53	-2,564.37	-1,091.65	-1,559.38
Cash Flow after changes in Working Capital	376.33	-918.69	-2,033.46	-483.43	-949.70
Cash Flow from Operating Activities	336.17	-956.34	-2,068.89	-563.40	-973.81
Cash Flow from Investing Activities	-50.80	-72.90	-24.20	-45.39	-122.93
Cash Flow from Financing Activitie	-442.42	389.87	2,259.44	913.81	1,873.34
Net Cash Inflow / Outflow	-157.05	-639.37	166.34	305.02	776.60
Opening Cash & Cash Equivalents	1,054.13	897.08	257.68	424.03	729.05
Cash & Cash Equivalent on Amalgamation / Take over / Merger					0.16
Closing Cash & Cash Equivalent	897.08	257.71	424.03	729.05	1,505.81

Ratios

Valuation

4.95

0.83

4.60

0.79

48.20

287.24

Profitability

12.30

12.15

2.56

48.98

10.57

Leverage & Liquidity

3.84

0.44

1.39

Returns

0.00

0.24

Shareholding Pattern

Numbers in percentages

Particulars	Jun '24	Sep '24	Dec '24	Mar '25	Jun '25	Sep '25	Dec '25	Mar '26	Jun '26	Sep '26
	36.17	36.17	36.17	36.17	36.17	36.17	36.17	36.17	36.17	36.17
	14.17	12.68	10.93	10.85	11.45	9.07	8.70	8.78	11.18	11.19
	49.65	51.15	52.89	52.98	52.38	54.76	55.13	55.04	52.65	52.64
	63.83	63.83	63.83	63.83	63.83	63.83	63.83	63.83	63.83	63.83
No. of Shareholders	41,951	50,610	52,490	50,129	49,904	48,704	46,944	44,277	37,727	34,289

Mutual Funds Invested(1)

Based on each fund's latest monthly portfolio · Sep 2026

A total of 1 active fund holds 1.71% in Satin Creditcare Network Ltd., contributing to ₹44 Cr of holdings

Fund				As of
ID Bandhan Small Cap Fund - Growth - Direct PlanSmall cap Fund	43.89	0.12	18,90,000	Sep '26

Corporate Actions

Showing: All

Date	Type	Details
2026-10-22	Board Meeting	Quarterly Results
2026-07-27	AGM
2026-07-27	Board Meeting	Quarterly Results

Insider Trading

Date	Person	Category	Transaction Type	Shares
2026-08-12	Anil Gupta	11-Aug-26	ESOP	10,000
2026-08-12	SATIN EMPLOYEES WELFARE TRUST	11-Aug-26	ESOP	10,000
2026-08-05	Trishashna Holdings & Investments	Preferential Offer	Buy	3,850,000
2026-07-01	Manish Kumar Mittal	ESOP	Buy	5,000
2026-07-01	SATIN EMPLOYEES WELFARE TRUST	ESOP	Sell	60,000
2026-07-01	Sunil Yadav	ESOP	Buy	10,000
2026-07-01	Vikas Gupta	ESOP	Buy	5,000
2026-07-01	Aditi Singh	ESOP	Buy	10,000
2026-07-01	Vikas Wadhera	ESOP	Buy	5,000
2026-07-01	Anil Kwatra	ESOP	Buy	10,000
2026-07-01	Jugal Kataria	ESOP	Buy	15,000

Sector Overview

FinanceFinance Term Lending

Satin Creditcare Network Ltd. operates in the Finance sector under the Finance Term Lending industry. This sector is one of the key drivers of the Indian economy and is closely tracked by the relevant Nifty sectoral index.

Company Profile

Corporate information and contact details

Key Management

8 members across the board and senior leadership

Vikas Gupta

Company Secretary & Chief Compliance Officer

—

H P Singh

Chairman cum Managing Director

₹4.99 Cr

Mar '26

Satvinder Singh

Non Independent & Non Executive Director

₹33.75 L

Mar '26

Joydeep Datta Gupta