SATIN - SATIN CREDITCARE NETWORK LIMITED Share Price

Finance

₹164.59+1.99(+1.22%)

Market Closed as of Apr 28, 2025, 15:30 IST

What does SATIN CREDITCARE NETWORK LIMITED do?

Microfinance Institutions•Financial Services•Small Cap

Satin Creditcare Network Limited, a non-banking finance company, provides micro finance services in India. The company offers microcredit to economically active women in rural, semi-urban, and urban regions; loans for income generating purposes, such as agriculture, transportation, trading, and production related business activities; water and sanitation loans; and specialized loans for clean energy, transportation, potable water, and various business needs. It also offers financing solutions for solar energy, purchase of bicycles, home appliances, and mobile phones for small businesses and individuals; and micro, small, and medium enterprise loans for traders, retail and wholesale merchants, manufacturers, service providers, self-employed professionals, education ventures, and agribusinesses, as well as housing loans. The company was formerly known as Satin Leasing & Finance Private Limited and changed its name to Satin Creditcare Network Limited in April 2000. Satin Creditcare Network Limited was incorporated in 1990 and is headquartered in Gurugram, India.

Industry Group:Finance

Employees:11,363

Website:satincreditcare.com

Summary of Latest Earnings Report from SATIN CREDITCARE NETWORK

Summary of SATIN CREDITCARE NETWORK's latest earnings call, featuring management's outlook on business performance, financial results, and analyst Q&A sessions that highlight key strategic initiatives and market challenges.

Earnings Outlook

Last updated: Feb 25

Management Outlook:
Satin Creditcare's management remains cautiously optimistic, prioritizing asset quality and disciplined risk management over aggressive growth. They expect credit costs to normalize by Q2 FY26, guided by improving delinquency trends (PAR 1 down to 6.4% in Q3 vs. 6.8% in Q2) and reduced fresh PAR inflows. The focus is on sustaining profitability (14 consecutive profitable quarters) while preparing for regulatory changes (Guardrails 2.0 by April 2025), which may increase rejection rates but will not impact asset quality. Growth targets for FY26 remain modest (10-15% AUM growth), with subsidiaries (housing/MSME) aiming for higher growth on smaller bases.

Key Points:

Asset Quality Improvement: PAR 1 declined QoQ (6.4%), outperforming the NBFC-MFI industry average (13.9%). Top states like UP, Bihar, Assam, and West Bengal show PAR 1 at 5.6% (vs. industry's 15.3%). Recovery efforts in Punjab, Rajasthan, and Maharashtra reduced PAR 1 significantly.
Credit Cost & Provisions: Credit cost at 5% annualized (within guidance), with provisions (INR 322 Cr, 3.9% of portfolio) above regulatory requirements. A management overlay of INR 16 Cr adds buffer.
Growth & Disbursements: Consolidated AUM grew 10% YoY to INR 12,128 Cr. Disbursements remain stable (Q3 FY25 flat QoQ) to prioritize collections. Karnataka disbursements paused temporarily.
Regulatory Readiness: Guardrails 2.0 compliance underway"”only 5.4% of clients have >3 lenders, and 0.03% exceed INR 2 lakh exposure. Minimal operational disruption expected.
Subsidiaries: Housing finance AUM up 44% YoY (INR 872 Cr), MSME AUM at INR 479 Cr. Both focus on secured lending with low GNPA (1.7% and 3.9%, respectively).
Liquidity & Capital: Strong liquidity (INR 1,581 Cr) and CRAR (27.4% standalone). Raised INR 6,216 Cr in FY25, ensuring funding flexibility.

Challenges: Stress persists in Odisha/Jharkhand (10% portfolio), but collections (99.8% X-bucket efficiency) and recoveries (INR 27 Cr in 9M FY25) signal stabilization. Employee attrition is managed via welfare initiatives.

Q&A Session

Last updated: Feb 25

Question: When do you expect credit costs to normalize given the reduction in SMA-0 but increase in Stage 2 assets?

Answer: Credit costs are expected to normalize by Q2 FY26, as October 2024 stress (peak delinquency) will resolve by January 2025. Post-November 2024, PAR flows improved significantly, with credit costs guided to remain within 5% for FY25.

Question: Could Guardrails 2.0 (effective April 2025) cause fresh PAR accretion?

Answer: No. Guardrails 2.0 will raise rejection rates by 8"“10% (to ~70%) but will not impact credit quality. Satin's systems are ready, and its portfolio already complies (only 5.4% clients had >3 lenders at disbursement).

Question: Why maintain flat disbursements in Q4 despite improved collection efficiency (99.8%)?

Answer: Prioritizing asset quality over growth. Disbursements will remain cautious until stress in Odisha/Jharkhand stabilizes. Growth (10"“15% YoY) will resume after credit costs normalize.

Question: How does Satin maintain lower over-leveraged customers (Satin+3: 4.5%) vs. peers?

Answer: Multi-pronged approach: credit scoring, single-loan-per-customer policy, new-to-credit focus, low employee attrition (85% regional managers have >5 years tenure), and avoiding delinquent borrowers.

Question: Will top states (UP, Bihar) drive growth post-recovery, given lower PAR vs industry?

Answer: Growth in FY26 will remain cautious (focus: credit cost reduction). Accelerated growth in resilient states is possible later, leveraging disciplined processes and deep regional expertise.

Question: What is FY26 credit cost guidance?

Answer: Targeting sub-3% credit costs long-term. FY25 guidance remains 5%, with improvement expected post-Q1 FY26 as delinquency flows ease.

Question: Explain recent NIM improvement (higher yields, lower funding costs).

Answer: Better treasury management, controlled funding costs, reduced yield loss from improving asset quality, and optimized liquidity drove NIM expansion.

Question: Why pause Karnataka disbursements despite draft ordinance excluding RBI-regulated entities?

Answer: Precautionary measure until regulatory clarity. Karnataka exposure is minimal, and Satin will resume based on final guidelines.

Question: Define X-bucket collection efficiency (99.8%) and historical trends.

Answer: X-bucket measures current dues collected vs. demand (excludes arrears). Historically ranges 98"“100%; 99.8% reflects stabilized repayments.

Question: What is normalized growth outlook post-recovery?

Answer: Targeting 10"“15% YoY AUM growth for MFI; subsidiaries (housing/MSME) to grow faster (~50% YoY) but remain calibrated due to sector risks.

The Good, Bad and Ugly

Growth

Profitability

Size

Dilution Rank

Balance Sheet

Momentum

Technicals

Smart Money

Insider Trading

Category	SATIN	Finance
PE	6.14	17.68
PS	0.68	3.71
Growth	29 %	9.9 %

Shareholder Name	Holding %
Trishashna Holdings & Investments Private Limited	34.32%
LLP	13.66%
Florintree Ventures LLP	11.14%
Rajsonia Consultancy Services Private Limited	2.94%
Linkage Securities Private Limited	2.66%
Bhawani Finvest Pvt Ltd	2.62%
Indusind Bank Limited Treasury Dept	1.98%
Bandhan Small Cap Fund	1.35%
Trust Team Investors Limited	1.19%
Anureet HP Singh	0.66%
Late Harbans Singh	0.37%
Satvinder Singh	0.35%
Wisteria Holdings & Investments Private Limited	0.29%
Neeti Singh	0.18%
H P Singh	0%

Valuation
Market Cap	1.8 kCr
Price/Earnings (Trailing)	6.14
Price/Sales (Trailing)	0.68
EV/EBITDA	1.24
Price/Free Cashflow	-0.8
MarketCap/EBT	4.62

Fundamentals
Revenue (TTM)	2.63 kCr
Rev. Growth (Yr)	15.31%
Rev. Growth (Qtr)	4.58%
Earnings (TTM)	292.45 Cr
Earnings Growth (Yr)	-87.39%
Earnings Growth (Qtr)	-68.09%

Profitability
Operating Margin	14.8%
EBT Margin	14.8%
Return on Equity	11.51%
Return on Assets	2.62%
Free Cashflow Yield	-125.79%

Investor Care
Shares Dilution (1Y)	0.00%
Diluted EPS (TTM)	26.59

Financial Health
Debt/Equity	0.00
Debt/Cashflow	0.00

Ticker	Name	Mkt Cap	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
CREDITACC	CreditAccess GrameenMicrofinance Institutions	17.88 kCr	5.81 kCr	+21.61%	-24.17%	20.29	3.08	+21.50%	-34.50%
MASFIN	MAS Financial ServicesNon Banking Financial Company(NBFC)	5.03 kCr	1.51 kCr	+8.41%	-10.17%	16.74	3.34	+22.65%	+24.90%
SPANDANA	Spandana Sphoorty FinancialMicrofinance Institutions	2.09 kCr	2.73 kCr	+21.61%	-67.05%	-4.42	0.77	+15.63%	-198.87%
FUSION	FUSION FINANCEMicrofinance Institutions	1.7 kCr	2.57 kCr	+23.31%	-67.07%	-1.84	0.66	+13.73%	-290.36%

Cash Flow for SATIN CREDITCARE NETWORK

Standalone figures (in Rs. Crores) / View Consolidated Data

Description	(%) Q/Q	Mar-2024	Mar-2023	Mar-2022
Finance costs	186.7%	44	16	20
Depreciation	26.7%	20	16	13
Impairment loss / reversal	-64.3%	144	402	175
Unrealised forex losses/gains	99.5%	9.24	5.13	3.68
Dividend income	-	0	0	0.03
Net Cashflows From Operations	65.1%	394	239	63
Income taxes paid (refund)	-3%	33	34	39
Other inflows/outflows of cash	-127.5%	-2,144.01	-941.71	441
Net Cashflows From Operating Activities	-142%	-1,783.84	-736.48	465
Proceeds from sales of PPE	33.3%	0.54	0.31	0.37
Purchase of property, plant and equipment	43.3%	11	7.98	4.68
Dividends received	-	0	0	0.03
Other inflows/outflows of cash	120.1%	14	-63.69	-44.24
Net Cashflows From Investing Activities	21.9%	-86.73	-111.35	-54.61
Proceeds from issuing shares	441%	331	62	55
Proceeds from issuing debt etc	73.3%	488	282	296
Proceeds from borrowings	54.9%	6,138	3,962	3,011
Repayments of borrowings	20.5%	4,933	4,094	3,976
Payments of lease liabilities	74.8%	10	6.15	2.21
Net Cashflows From Financing Activities	882%	2,014	206	-566.51
Net change in cash and cash eq.	122.1%	143	-641.47	-155.97

Consolidated figures (in Rs. Crores) / View Standalone Data

Description	(%) Q/Q	Mar-2024	Mar-2023	Mar-2022
Finance costs	214.3%	45	15	19
Depreciation	29.4%	23	18	16
Impairment loss / reversal	-63.1%	151	408	181
Unrealised forex losses/gains	96.2%	9.24	5.2	3.68
Dividend income	-	0	0	0.03
Share-based payments	-	0	0	-0.39
Net Cashflows From Operations	46.2%	381	261	52
Income taxes paid (refund)	-8.1%	35	38	40
Other inflows/outflows of cash	-104.5%	-2,414.89	-1,180.1	325
Net Cashflows From Operating Activities	-116.2%	-2,068.89	-956.34	336
Proceeds from sales of PPE	-3.6%	0.71	0.72	0.44
Purchase of property, plant and equipment	38.1%	13	9.69	5.94
Purchase of intangible assets	1.3%	0.26	0.25	0
Dividends received	-	0	0	0.03
Other inflows/outflows of cash	73.9%	-15.86	-63.69	-44.24
Net Cashflows From Investing Activities	60.4%	-28.23	-72.9	-50.8
Proceeds from issuing shares	441%	331	62	55
Proceeds from issuing debt etc	80.1%	507	282	296
Proceeds from borrowings	54.5%	6,564	4,248	3,200
Repayments of borrowings	22.2%	5,127	4,195	4,039
Payments of lease liabilities	58.7%	11	7.3	3.55
Net Cashflows From Financing Activities	481.5%	2,263	390	-442.42
Net change in cash and cash eq.	125.8%	166	-639.37	-157.05

Balance Sheet for SATIN CREDITCARE NETWORK

Standalone figures (in Rs. Crores) / View Consolidated Data

Description	(%) Q/Q	Sep-2024	Mar-2024	Sep-2023	Mar-2023	Sep-2022	Mar-2022
Cash and cash equivalents	155.8%	909	356	506	213	601	1,049
Derivative financial instruments	-23.5%	14	18	24	22	24	12
Trade receivables	-88%	1.36	4.01	3.63	2.41	2.09	2.39
Loans	0.4%	7,984	7,951	6,612	5,684	4,941	4,897
Investments	4.1%	861	827	848	742	720	336
Other financial assets	48%	38	26	81	16	16	21
Total finanical assets	-	10,488	-	-	-	-	-
Current tax assets (Net)	0%	1.81	1.81	57	33	18	0
Investment property	-3%	6.16	6.32	6.48	6.64	6.81	6.98
Property, plant and equipment	3.5%	89	86	84	83	79	79
Capital work-in-progress	-	0	-	0	-	0.18	0.18
Total non-financial assets	-	124	-	-	-	-	-
Total assets	5.2%	10,612	10,083	9,140	7,645	7,330	7,375
Equity share capital	0%	110	110	99	85	79	75
Total equity	4.9%	2,798	2,667	2,178	1,914	1,747	1,606
Payables	-	-	-	-	-	-	0
Debt securities	68.6%	1,709	1,014	819	1,091	1,028	1,187
Borrowings	-5.7%	5,519	5,855	5,665	4,005	3,803	3,825
Subordinated liabilities	0%	328	328	280	351	373	450
Total financial liabilities	-	7,708	-	-	-	-	-
Current tax liabilities	2937%	42	2.35	0	-	-	1
Provisions	104.1%	16	8.35	7.99	7.04	7.25	7.76
Total non financial liabilities	-	105	-	-	-	-	-
Total liabilities	-	-	7,416	6,962	5,732	5,583	5,769
Total equity and liabilities	5.2%	10,612	10,083	9,140	7,645	7,330	7,375

Consolidated figures (in Rs. Crores) / View Standalone Data

Description	(%) Q/Q	Sep-2024	Mar-2024	Sep-2023	Mar-2023	Sep-2022	Mar-2022
Cash and cash equivalents	135.2%	996	424	555	258	645	1,091
Derivative financial instruments	-23.5%	14	18	24	22	24	12
Trade receivables	-63.2%	3.74	8.45	4.43	5.39	2.31	2.76
Loans	1.9%	9,080	8,908	7,361	6,329	5,420	5,308
Investments	-10.9%	50	56	104	62	62	49
Other financial assets	48.6%	53	36	92	23	22	29
Total finanical assets	-	10,932	-	-	-	-	-
Current tax assets (Net)	18.2%	14	12	65	43	24	5.26
Investment property	-3%	6.16	6.32	6.48	6.64	6.81	6.98
Property, plant and equipment	5.5%	97	92	89	87	82	83
Capital work-in-progress	18.7%	0.26	0.09	0	-	0.18	0.18
Goodwill	0%	34	34	34	34	34	34
Total non-financial assets	-	244	-	-	-	-	-
Total assets	6.5%	11,176	10,490	9,350	7,850	7,395	7,655
Equity share capital	0%	110	110	99	85	79	75
Total equity	5.8%	2,541	2,401	1,900	1,628	1,455	1,582
Debt securities	78.6%	1,846	1,034	819	1,096	1,033	1,192
Borrowings	-5.2%	6,194	6,534	6,164	4,444	4,107	4,081
Subordinated liabilities	0%	348	348	300	371	393	470
Total financial liabilities	-	8,560	-	-	-	-	-
Current tax liabilities	2937%	42	2.35	0	-	-	0
Provisions	88.9%	18	10	10	9.34	9.78	9.82
Total non financial liabilities	-	76	-	-	-	-	-
Total liabilities	-	-	8,089	7,450	6,221	5,940	6,073
Total equity and liabilities	6.5%	11,176	10,490	9,350	7,850	7,395	7,655

Income Statement for SATIN CREDITCARE NETWORK

Consolidated figures (in Rs. Crores) / View Standalone Data

AnnualQuarterly

Description	(%) Q/Q	Mar-2024	Mar-2023	Mar-2022	Mar-2021	Mar-2020	Mar-2019
Total income	43.8%	2,241	1,559	1,381	1,380	1,503	1,448
Revenue From Operations	43.4%	2,233	1,557	1,377	1,376	1,500	1,443
Total interest earned	50.7%	1,882	1,249	1,228	1,167	1,110	1,186
Dividend income	-	0	0	0.03	0	0.02	0
Rental income	4.8%	0.41	0.38	0.11	0	0	0
Fees and commission income	-15.8%	65	77	81	96	138	91
Other revenue from operations	978.8%	4.56	1.33	1.77	1.06	1.24	1.68
Other income	823.3%	7.74	1.73	4.09	4.48	3.92	5.43
Total Expenses	6.7%	1,658	1,554	1,347	1,390	1,292	1,132
Employee Expense	15.5%	448	388	393	337	351	305
Finance costs	46.1%	901	617	626	638	586	642
Depreciation and Amortization	29.4%	23	18	16	15	18	13
Impairment on financial instruments	-63.1%	151	408	181	279	192	52
Other expenses	9.8%	135	123	131	114	145	119
Profit Before exceptional items and Tax	13626.4%	583	5.24	34	-9.75	212	316
Total profit before tax	13626.4%	583	5.24	34	-9.75	212	316
Current tax	4730.9%	70	-0.49	34	52	56	69
Deferred tax	95100%	77	0.92	-20.55	-47.71	0.9	45
Tax expense	25714%	147	0.43	13	4.23	57	114
Total profit (loss) for period	11317.3%	436	4.81	21	-13.98	155	202
Other comp. income net of taxes	123.4%	6.07	-20.67	-29.15	-34.92	45	25
Total Comprehensive Income	2717.2%	442	-15.85	-8.45	-48.9	200	227
Reserve excluding revaluation reserves	-	-	-	1,507	-	1,397	-
Earnings Per Share, Basic	11505.3%	44.34	0.62	2.96	-2.26	30.43	41.67
Earnings Per Share, Diluted	10409.8%	43.27	0.59	2.72	-2.26	30.27	41.37
Debt equity ratio	-0.3%	0.0333	0.0366	0.0367	0.0421	-	0.0455

Description	(%) Q/Q	Dec-2024	Sep-2024	Jun-2024	Mar-2024	Dec-2023	Sep-2023
Total income	4.7%	688	657	634	647	596	538
Revenue From Operations	4.1%	684	657	633	642	596	538
Total interest earned	-2.1%	565	577	572	529	499	444
Dividend income	-	0.12	0	0	0	0	0
Rental income	-4.3%	0.03	0.07	0.1	0.1	0.1	0.09
Fees and commission income	-10.1%	7.64	8.39	12	19	15	14
Other revenue from operations	32.1%	0.64	0.47	0.22	0.64	1.04	2.51
Other income	672.7%	3.52	0.56	1.69	4.77	0.71	0.87
Total Expenses	12.9%	673	596	493	476	445	395
Employee Expense	4.9%	150	143	125	117	116	110
Finance costs	0.8%	268	266	251	252	247	217
Depreciation and Amortization	10.5%	7.3	6.7	5.69	6.39	5.85	6.05
Impairment on financial instruments	48.5%	203	137	71	67	37	31
Other expenses	7.3%	45	42	41	34	39	32
Profit Before exceptional items and Tax	-77%	15	62	141	171	151	143
Total profit before tax	-77%	15	62	141	171	151	143
Current tax	-92.9%	3.56	37	50	46	23	0.12
Deferred tax	81.9%	-2.87	-20.36	-14.71	-2.64	15	36
Tax expense	-101.9%	0.69	17	36	43	38	36
Total profit (loss) for period	-70.5%	14	45	105	128	113	107
Other comp. income net of taxes	81.1%	-1.25	-10.88	0.97	7.1	9.29	1.15
Total Comprehensive Income	-63.6%	13	34	106	135	122	108
Earnings Per Share, Basic	-90.2%	1.3	4.06	9.57	11.66	11.23	10.93
Earnings Per Share, Diluted	-90.2%	1.3	4.06	9.57	11.66	11.23	10.93
Debt equity ratio	0.4%	0.0338	0.03	0.0325	0.0333	0.0356	0.0386

Standalone figures (in Rs. Crores) / View Consolidated Data

AnnualQuarterly

Description	(%) Q/Q	Mar-2024	Mar-2023	Mar-2022	Mar-2021	Mar-2020	Mar-2019
Total income	16.4%	2,051	1,762	1,262	1,273	1,401	1,373
Revenue From Operations	16.4%	2,049	1,761	1,262	1,271	1,400	1,373
Total interest earned	50.8%	1,749	1,160	1,170	1,117	1,078	1,180
Dividend income	-	0	0	0.03	0	0.02	0
Rental income	70.6%	1.29	1.17	0.86	0	0	0
Fees and commission income	20%	25	21	24	42	71	28
Other revenue from operations	196.5%	5.27	2.44	3.03	2.05	1.86	1.99
Other income	268.6%	1.86	0.49	0.23	2.05	1.33	0.29
Total Expenses	4.5%	1,485	1,421	1,203	1,283	1,188	1,067
Employee Expense	15.9%	366	316	324	281	297	265
Finance costs	44.7%	833	576	602	618	574	639
Depreciation and Amortization	26.7%	20	16	13	13	15	11
Impairment on financial instruments	-64.3%	144	402	175	275	189	52
Other expenses	11%	122	110	88	89	113	100
Profit Before exceptional items and Tax	66.2%	566	341	59	-9.76	213	306
Total profit before tax	66.2%	566	341	59	-9.76	213	306
Current tax	5176.9%	67	-0.3	31	50	55	67
Deferred tax	-1.3%	76	77	-12.19	-45.84	2.15	44
Tax expense	86.8%	143	77	19	3.79	57	111
Total profit (loss) for period	60.5%	423	264	40	-13.55	156	195
Other comp. income net of taxes	94.7%	-0.06	-19.05	-29.22	-34.74	45	25
Total Comprehensive Income	73%	423	245	11	-48.29	201	220
Reserve excluding revaluation reserves	-	-	-	1,532	-	1,401	-
Earnings Per Share, Basic	28.1%	43.01	33.79	5.76	-2.19	30.69	40.37
Earnings Per Share, Diluted	30.9%	41.97	32.3	5.29	-2.19	30.52	40.09
Debt equity ratio	-0.1%	0.0273	0.0287	0.0344	0.0409	-	0.0455

Description	(%) Q/Q	Dec-2024	Sep-2024	Jun-2024	Mar-2024	Dec-2023	Sep-2023
Total income	5.2%	632	601	582	594	548	492
Revenue From Operations	5.2%	631	600	582	593	547	492
Total interest earned	-3.8%	512	532	532	492	464	413
Dividend income	-	0.12	0	0	0	0	0
Rental income	-2.9%	0.3	0.32	0.33	0.34	0.33	0.31
Fees and commission income	3.7%	2.4	2.35	4.64	8.45	6.26	4.85
Other revenue from operations	-46.3%	0.21	0.46	0.42	0.8	1.23	2.69
Other income	58.2%	0.77	0.45	0.19	1.34	0.17	0.24
Total Expenses	13.3%	615	543	445	427	402	354
Employee Expense	4.9%	130	124	106	98	94	88
Finance costs	-0.4%	242	243	229	233	230	200
Depreciation and Amortization	13.9%	6.32	5.67	5.01	5.62	5.14	5.28
Impairment on financial instruments	45.9%	195	134	69	64	36	29
Other expenses	11.1%	41	37	35	26	38	31
Profit Before exceptional items and Tax	-71.4%	17	57	138	167	145	138
Total profit before tax	-71.4%	17	57	138	167	145	138
Current tax	-95.9%	2.52	38	50	45	22	0
Deferred tax	23.3%	-16.86	-22.29	-14.9	-2.65	15	35
Tax expense	-202.2%	-14.33	16	35	42	37	35
Total profit (loss) for period	-26.8%	31	42	103	125	108	103
Other comp. income net of taxes	93%	0.03	-12.86	-0.4	5.59	6.57	-2.9
Total Comprehensive Income	7.1%	31	29	102	131	115	100
Earnings Per Share, Basic	-33.5%	2.85	3.78	9.33	11.39	10.76	10.57
Earnings Per Share, Diluted	-33.5%	2.85	3.78	9.33	11.39	10.76	10.57
Debt equity ratio	-0.2%	0.0277	0.03	0.0267	0.0273	0.0295	0.0313

SATIN - SATIN CREDITCARE NETWORK LIMITED Share Price

What does SATIN CREDITCARE NETWORK LIMITED do?

Summary of Latest Earnings Report from SATIN CREDITCARE NETWORK

Sector Comparison: SATIN vs Finance

Comparative Metrics

Performance Comparison

Share Holdings

Holding Pattern

Share Holding Details

Overall Distribution

Ownership Distribution

Valuation

Fundamentals

Profitability

Investor Care

Financial Health

Is SATIN CREDITCARE NETWORK Better than it's peers?

Cash Flow for SATIN CREDITCARE NETWORK

Balance Sheet for SATIN CREDITCARE NETWORK

Income Statement for SATIN CREDITCARE NETWORK

Price to Sales Ratio

Revenue (Last 12 mths)

Net Income (Last 12 mths)