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Satin Creditcare Network Ltd logo

Satin Creditcare Network Ltd

NSE: SATIN BSE: 539404

176.16

(-2.92%)

Sat, 02 May 2026, 09:44 pm

Satin Creditcare Network Analysis

dividend

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Pros

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    Cons

    • Unable to evaluate Satin Creditcare Network's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
    • Unable to evaluate Satin Creditcare Network's dividend against the top 25% market benchmark as the company has not reported any payouts.

    future

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    Pros

    • Satin Creditcare Network's revenue is expected to grow significantly at over 20% yearly.
    • Satin Creditcare Network's revenue growth is expected to exceed the India market average.
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    Cons

      health

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      Pros

      • Satin Creditcare Network is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
      • Satin Creditcare Network is profitable, therefore cash runway is not a concern.
      • Satin Creditcare Network is profitable, therefore cash runway is not a concern.
      • Debt is covered by short term assets, assets are 1.2x debt.
      • Satin Creditcare Network's cash and other short term assets cover its long term commitments.
      • The level of debt compared to net worth has been reduced over the past 5 years (768.6% vs 366.7% today).
      • Low level of unsold assets.
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      Cons

      • Debt is not well covered by operating cash flow (17.8%, less than 20% of total debt).
      • Satin Creditcare Network's level of debt (366.7%) compared to net worth is high (greater than 40%).

      management

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      Pros

      • The tenure for the Satin Creditcare Network board of directors is about average.
      • Harvinder's compensation has been consistent with company performance over the past year, both up more than 20%.
      • The tenure for the Satin Creditcare Network management team is about average.
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      Cons

      • Harvinder's remuneration is higher than average for companies of similar size in India.

      misc

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      Pros

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        Cons

        • Satin Creditcare Network is covered by less than 3 analysts.
        • Satin Creditcare Network has significant price volatility in the past 3 months.

        past

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        Pros

        • Satin Creditcare Network's 1-year earnings growth exceeds its 5-year average (96.4% vs 33.4%)
        • Satin Creditcare Network has delivered over 20% year on year earnings growth in the past 5 years.
        • Satin Creditcare Network used its assets more efficiently than the IN Consumer Finance industry average last year based on Return on Assets.
        • Satin Creditcare Network's earnings growth has exceeded the IN Consumer Finance industry average in the past year (96.4% vs 11%).
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        Cons

        • Satin Creditcare Network has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).

        value

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        Pros

        • Satin Creditcare Network is good value based on assets compared to the IN Consumer Finance industry average.
        • Satin Creditcare Network is good value based on earnings compared to the IN Consumer Finance industry average.
        • Satin Creditcare Network is good value based on earnings compared to the India market.
        • NSEI:SATIN is up 73.6% outperforming the Consumer Finance industry which returned 10.3% over the past month.
        • NSEI:SATIN is up 73.6% outperforming the market in India which returned 8% over the past month.
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        Cons

        • Satin Creditcare Network's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).
        • Satin Creditcare Network's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).
        • SATIN underperformed the Consumer Finance industry which returned -28.8% over the past year.
        • SATIN underperformed the Market in India which returned -14.5% over the past year.

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        Pocketful Fintech Capital Private Limited (CIN U65999DL2021PTC390548) | The SEBI Registration No. allotted to us is INZ000313732. NSE Member Code: 90326 | BSE Member Code: 6808 | MCX Member Code: 57120 DP | CDSL: 12099800