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Consolidated Standalone

Satin Creditcare

₹243 5.2 | 2.2%

Market Cap ₹2684 Cr.

Stock P/E 5.7

P/B 1.1

Current Price ₹243

Book Value ₹ 217.4

Face Value 10

52W High ₹283.7

Dividend Yield 0%

52W Low ₹ 151.1

Edit Ratio

Satin Creditcare Research see more...

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EQUITY RESEARCH: SATIN CREDITCARE NETWORK

Overview Inc. Year: 1990Industry: Finance Term Lending

Satin Creditcare Network Ltd is a non-deposit accepting micro finance non-banking financial organization, which is engaged in microfinance activities. The Company operates via finance segment. The Company's products and services encompass agriculture and animal husbandry, buying and selling and service, production and others. The Company additionally gives loans to individual businesses; loans to micro, small and medium firms (MSMEs); product loans for financing purchase of solar lamps, and loans for development of water connection and sanitation facilities. The Company gives its clients income generating loan (IGL) product primarily based on their repayment capability. It operates in Madhya Pradesh, Punjab, Uttar Pradesh, Bihar, Uttarakhand, Rajasthan, Haryana, Gujarat, West Bengal, Maharashtra, Delhi(NCR), Jharkhand, Chhattisgarh, Jammu and Kashmir, Himachal Pradesh and Chandigarh, with a focus on rural and semi-rural regions.

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Satin Creditcare Share Price

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Peer Comparison

Satin Creditcare Quarterly Results

#(Fig in Cr.) Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
Operating Revenue 346 363 345 360 416 429 462 538 596 642
Other Income 2 1 1 1 0 0 1 1 1 5
Total Income 348 364 345 361 416 429 464 538 596 647
Total Expenditure 144 125 463 138 178 132 156 173 192 217
Operating Profit 204 239 -118 223 238 297 307 366 404 429
Interest Expense 155 153 159 145 155 158 185 217 247 252
Depreciation 4 4 3 4 4 8 4 6 6 6
Profit Before Tax 46 82 -280 75 79 131 118 143 151 171
Provision for Tax 12 25 -70 18 20 33 30 36 38 43
Profit After Tax 34 57 -210 57 59 99 88 107 113 128
Adjustments 0 0 0 0 -0 0 0 0 0 -0
Profit After Adjustments 34 57 -210 57 59 99 88 107 113 128
Adjusted Earnings Per Share 4.7 7.6 -28 7.3 7.1 11.6 10 10.8 10.3 11.7

Satin Creditcare Profit & Loss

#(Fig in Cr.) Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 TTM
Operating Revenue 801 1032 1443 1501 1376 1377 1557 2238
Other Income 0 136 99 4 9 4 194 8
Total Income 801 1168 1542 1505 1384 1381 1752 2245
Total Expenditure 322 502 568 686 741 700 1111 738
Operating Profit 480 666 974 818 643 681 640 1506
Interest Expense 436 536 646 589 638 631 617 901
Depreciation 6 15 13 18 15 16 18 22
Profit Before Tax 38 116 316 212 -10 34 5 583
Provision for Tax 13 41 114 57 4 13 0 147
Profit After Tax 25 75 201 155 -14 21 5 436
Adjustments -0 1 -0 0 0 0 0 0
Profit After Adjustments 25 75 201 155 -14 21 5 436
Adjusted Earnings Per Share 6.3 14.9 38.8 28.1 -2.1 2.8 0.6 42.8

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 13% 1% 9% 0%
Operating Profit CAGR -6% -8% -1% 0%
PAT CAGR -76% -68% -42% 0%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR 47% 43% -3% NA%
ROE Average 0% 0% 7% 7%
ROCE Average 8% 9% 11% 11%

Satin Creditcare Balance Sheet

#(Fig in Cr.) Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Shareholder's Funds 663 885 1149 1449 1486 1582 1628
Minority's Interest 2 2 0 0 0 0 0
Borrowings 2023 4376 4784 5354 5969 5015 4752
Current Liability 2062 1036 792 477 573 1049 1461
Other Liabilities & Provisions 4 -93 7 20 -36 -73 -79
Total Liabilities 4755 6206 6732 7300 7993 7573 7761
Loans 816 4847 4549 4941 5811 5308 6329
Investments 0 0 0 0 0 48 62
Fixed Assets 73 75 81 94 131 119 122
Other Loans 16 3 5 7 6 6 4
Other Non Current Assets 175 22 18 39 19 24 12
Current Assets 3675 1259 2080 2219 2025 2060 1225
Total Assets 4755 6206 6732 7300 7993 7573 7761

Satin Creditcare Cash Flow

#(Fig in Cr.) Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Opening Cash & Cash Equivalents 268 656 453 966 1039 1054 897
Cash Flow from Operating Activities -966 -1541 611 -225 -945 336 -956
Cash Flow from Investing Activities -36 -55 -187 56 226 -51 -73
Cash Flow from Financing Activities 1398 1394 88 243 734 -442 390
Net Cash Inflow / Outflow 395 -203 512 73 15 -157 -639
Closing Cash & Cash Equivalent 663 453 966 1039 1054 897 258

Satin Creditcare Ratios

# Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Earnings Per Share (Rs) 6.27 14.95 38.84 28.07 -2.1 2.78 0.57
CEPS(Rs) 7.81 17.75 41.31 31.25 0.16 4.94 2.74
DPS(Rs) 0 0 0 0 0 0 0
Book NAV/Share(Rs) 159.35 172.07 218.07 261.45 223.33 205.51 188.67
Net Profit Margin 3.11 7.25 13.97 10.33 -1.02 1.5 0.31
Operating Margin 59.12 63.15 66.68 53.36 45.66 48.28 39.94
PBT Margin 4.72 11.23 21.89 14.1 -0.71 2.48 0.34
ROA(%) 0.52 1.36 3.11 2.21 -0.18 0.27 0.06
ROE(%) 3.95 9.97 20.17 12.05 -0.96 1.37 0.31
ROCE(%) 10.47 12.33 15.43 11.94 8.57 8.87 8.37
Price/Earnings(x) 53.12 25.02 8.8 2.13 0 36.77 224.82
Price/Book(x) 2.09 2.17 1.57 0.23 0.38 0.5 0.68
Dividend Yield(%) 0 0 0 0 0 0 0
EV/Net Sales(x) 5.09 5.73 3.66 2.66 3.48 3.27 3.78
EV/Core EBITDA(x) 8.51 8.88 5.42 4.88 7.45 6.61 9.18
Interest Earned Growth(%) 0 28.82 39.81 4.04 -8.33 0.09 13.09
Net Profit Growth 0 200.11 169.36 -23.09 -109.02 248.04 -76.75
EPS Growth(%) 0 138.2 159.85 -27.72 -107.5 231.97 -79.55
Interest Coverage(x) % 1.09 1.22 1.49 1.36 0.98 1.05 1.01

Satin Creditcare Shareholding Pattern

# Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
Promoter 38.26 36.69 36.69 39.97 38 39.45 41.7 39.98 36.06 36.17
FII 6.66 8.47 7.49 6.66 5.87 5.67 5.54 6.93 9.58 6.66
DII 10.38 9.82 9.64 7.19 8.5 8.18 6.37 3.96 8.27 6.91
Public 44.7 45.03 46.18 46.18 47.63 46.7 46.39 49.14 46.09 50.25
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

Pros

  • Company has reduced debt.

Cons

  • Promoter holding is low: 36.17%.
  • Company has a low return on equity of 0% over the last 3 years.
  • The company has delivered a poor profit growth of -41% over past five years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Satin Creditcare News

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