SATIN CREDITCARE NETWORK LIMITED

BSE: SATIN539404ISIN INE836B01017

Financial Services
Microfinance Institutions
BSE Financial Services

Share price

₹257.15+14.85 (+6.13%)

as of 4 Nov 2026

Prices adjusted for splits and bonuses; cash dividends excluded. Volume shows actual shares traded.

52W high: ₹274.20
52W low: ₹136.25
Off 52W high: -6.22%
1M return: +18.45%
3M return: +11.32%
6M return: +32.52%
1Y return: +70.35%
20D avg volume: 28,090
50 DMA: ₹225.78
200 DMA: ₹203.78

Key ratios Consolidated

Market cap: ₹2,841 Cr
Current price: ₹257.15
52W high / low: ₹274.20 / ₹136.25
Face value: ₹10.00
P/E: 5.33
P/B: 0.89
EPS (TTM): ₹48.20
Book value / share: ₹288.14
ROE: —
ROCE: —
Operating margin: —
Net margin: —
Debt / equity: 3.15
Net debt: ₹7,517 Cr
Interest cover: 1.33
Dividend yield: —
Dividend / share (TTM): —
Payout: —
Cash conversion cycle: —

Financials

Metric	Q2 FY27	Q1 FY27	Q4 FY26	Q3 FY26	Q2 FY26	Q1 FY26	Q4 FY25	Q3 FY25	Q2 FY25	Q1 FY25	Q4 FY24	Q3 FY24
Income statement
	925.84	762.14	919.50	747.48	787.89	708.58	621.06	684.07	656.90	632.66	642.11	595.57
	3.39	2.61	3.05	5.20	4.91	4.69	1.44	3.52	0.56	1.69	4.78	0.71
	929.23	764.75	922.55	752.68	792.80	713.27	622.50	687.59	657.46	634.35	646.88	596.28
	694.59	603.55	710.39	659.56	724.10	655.19	604.28	672.64	595.89	493.34	475.81	445.10
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	197.14	187.69	189.28	173.45	172.84	161.79	168.10	149.93	143.34	124.94	116.83	116.33
	335.05	250.92	380.84	289.19	344.28	297.10	263.68	267.83	266.09	251.00	251.95	246.90
	8.96	7.94	9.08	8.15	6.86	6.21	7.58	7.30	6.70	5.69	6.39	5.85
	63.86	50.89	53.15	58.09	56.79	47.21	55.16	45.03	42.36	40.97	33.56	38.87
	234.64	161.20	212.16	93.12	68.70	58.08	18.23	14.95	61.58	141.01	171.08	151.18
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	234.64	161.20	212.16	93.12	68.70	58.08	18.23	14.95	61.58	141.01	171.08	151.18
	58.74	38.55	50.11	21.21	15.54	12.98	-3.66	—	—	—	—	—
	175.90	122.65	162.05	71.91	53.16	45.10	21.89	14.26	44.69	105.28	128.22	113.07
	15.98	11.15	14.73	6.54	4.83	4.10	1.99	1.30	4.06	9.57	11.66	11.23
Key metrics
	—	—	—	—	—	—	—	290.08	334.37	397.70	429.42	403.93
	—	—	—	—	—	—	—	42.40%	50.90%	62.90%	66.90%	67.80%
	19.00%	16.10%	17.60%	9.60%	6.70%	6.40%	3.50%	2.10%	6.80%	16.60%	20.00%	19.00%
	17.50%	7.60%	48.10%	9.30%	19.90%	12.00%	-3.30%	14.90%	—	—	—	—
	230.90%	172.00%	640.30%	404.30%	19.00%	-57.20%	-82.90%	-87.40%	—	—	—	—

Metric	TTM	FY26	FY25	FY24	FY23	FY22
Income statement
	3,355	3,143	2,595	2,233	1,557	1,377
	14.25	17.84	7.22	7.74	1.73	4.09
	3,369	3,161	2,602	2,241	1,559	1,381
	2,668	2,729	2,366	1,658	1,554	1,347
	0.00	0.00	0.00	0.00	0.00	0.00
	0.00	0.00	0.00	0.00	0.00	0.00
	747.56	686.35	586.31	447.91	387.60	393.12
	1,256	1,311	1,049	901.02	616.73	625.91
	34.13	30.29	27.27	22.66	18.39	15.74
	225.99	205.83	183.51	135.25	122.97	131.21
	701.12	432.05	235.77	582.89	5.24	34.18
	0.00	0.00	0.00	0.00	0.00	0.00
	701.12	432.05	235.77	582.89	5.24	34.18
	168.61	99.84	49.64	—	—	—
	532.51	332.21	186.13	435.94	4.81	20.70
	48.40	30.20	16.92	44.34	0.62	2.96
Key metrics
	—	—	—	1,507	640.36	675.83
	—	—	—	67.50%	41.10%	49.10%
	15.87%	10.60%	7.20%	19.50%	0.30%	1.50%
	19.75%	21.10%	16.20%	43.40%	13.10%	—
	296.18%	78.50%	-57.30%	8,963.20%	-76.80%	—
	—	-998.52	-582.90	—	—	—
	—	-2.93	-3.03	—	—	—
	—	3.15	2.60	—	—	—
	—	7,517	5,894	—	—	—
Balance sheet
	—	14,387	11,587	—	—	—
	—	1,506	729.05	—	—	—
	—	8.14	1.94	—	—	—
	—	0.00	0.00	—	—	—
	—	110.65	96.73	—	—	—
	—	9,022	6,623	—	—	—
	—	2,868	2,543	—	—	—
Cash flow
	—	-973.81	-563.40	—	—	—
	—	-122.93	-45.39	—	—	—
	—	1,874	913.81	—	—	—
	—	24.71	19.50	—	—	—

Metric	Q2 FY27	Q1 FY27	Q4 FY26	Q3 FY26	Q2 FY26	Q1 FY26	Q4 FY25	Q3 FY25	Q2 FY25	Q1 FY25	Q4 FY24	Q3 FY24
Income statement
	811.52	670.91	811.57	669.87	715.90	641.43	559.80	631.30	600.46	581.92	592.58	547.44
	0.59	0.55	0.56	0.56	0.50	0.56	1.86	0.77	0.45	0.19	1.33	0.17
	812.11	671.46	812.13	670.43	716.41	642.00	561.67	632.07	600.91	582.12	593.92	547.61
	583.81	513.50	631.23	579.17	649.52	587.37	540.67	615.06	543.48	444.58	426.55	402.34
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	161.31	157.16	160.54	148.25	149.15	140.16	147.20	130.20	124.15	105.77	98.19	93.96
	278.85	206.46	343.48	256.34	312.51	266.74	235.57	242.02	242.68	229.49	232.85	229.57
	6.87	6.43	7.47	7.02	5.97	5.37	6.60	6.32	5.67	5.01	5.62	5.14
	53.58	43.30	44.38	48.47	48.94	40.47	46.09	41.46	37.27	35.09	25.73	37.73
	228.30	157.96	180.90	91.26	66.89	54.63	21.00	17.02	57.42	137.54	167.37	145.27
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	228.30	157.96	180.90	91.26	66.89	54.63	21.00	17.02	57.42	137.54	167.37	145.27
	56.69	37.67	43.95	20.61	15.01	12.03	-20.05	—	—	—	—	—
	171.61	120.29	136.95	70.65	51.88	42.60	41.05	31.35	41.56	102.61	125.28	108.38
	15.59	10.94	12.45	6.42	4.72	3.87	3.73	2.85	3.78	9.33	11.39	10.76
Key metrics
	—	—	—	—	—	—	—	265.36	305.77	372.04	405.84	379.98
	—	—	—	—	—	—	—	42.00%	50.90%	63.90%	68.50%	69.40%
	21.10%	17.90%	16.90%	10.50%	7.20%	6.60%	7.30%	5.00%	6.90%	17.60%	21.10%	19.80%
	13.40%	4.60%	45.00%	6.10%	19.20%	10.20%	-5.50%	15.30%	—	—	—	—
	230.80%	182.40%	233.60%	125.40%	24.80%	-58.50%	-67.20%	-71.10%	—	—	—	—

Metric	TTM	FY26	FY25	FY24	FY23	FY22
Income statement
	2,964	2,822	2,373	2,049	1,761	1,262
	2.26	2.19	3.28	1.86	0.49	0.23
	2,966	2,825	2,377	2,051	1,762	1,262
	2,308	2,431	2,144	1,485	1,421	1,203
	0.00	0.00	0.00	0.00	0.00	0.00
	0.00	0.00	0.00	0.00	0.00	0.00
	627.26	587.17	507.32	365.70	316.32	324.42
	1,085	1,179	949.76	832.84	576.02	601.60
	27.79	25.83	23.60	19.98	16.20	13.43
	189.73	176.85	159.91	121.80	109.71	87.70
	658.42	393.68	232.98	565.85	341.00	59.36
	0.00	0.00	0.00	0.00	0.00	0.00
	658.42	393.68	232.98	565.85	341.00	59.36
	158.92	91.60	16.42	—	—	—
	499.50	302.08	216.56	422.84	264.33	40.23
	45.40	27.46	19.69	43.01	33.79	5.76
Key metrics
	—	—	—	1,419	933.22	674.39
	—	—	—	69.20%	53.00%	53.50%
	16.85%	10.70%	9.10%	20.60%	15.00%	3.20%
	16.30%	18.90%	15.80%	16.30%	39.60%	—
	199.32%	39.50%	-48.80%	60.00%	557.00%	—
	—	-398.87	-273.61	—	—	—
	—	-1.25	-1.19	—	—	—
	—	2.56	2.04	—	—	—
	—	6,624	5,168	—	—	—
Balance sheet
	—	13,196	10,886	—	—	—
	—	1,383	640.25	—	—	—
	—	2.09	1.42	—	—	—
	—	0.00	0.00	—	—	—
	—	92.46	88.11	—	—	—
	—	8,006	5,808	—	—	—
	—	3,129	2,843	—	—	—
Cash flow
	—	-377.46	-258.11	—	—	—
	—	-310.12	-103.01	—	—	—
	—	1,430	645.08	—	—	—
	—	21.41	15.50	—	—	—

Compounded growth

Standalone

Sales CAGR 3Y: +17.03%
Sales CAGR 5Y: —
Profit CAGR 3Y: +4.55%
Profit CAGR 5Y: —
Sales YoY (TTM): +16.30%
Profit YoY (TTM): +199.32%

Consolidated

Sales CAGR 3Y: +26.37%
Sales CAGR 5Y: —
Profit CAGR 3Y: +310.29%
Profit CAGR 5Y: —
Sales YoY (TTM): +19.75%
Profit YoY (TTM): +296.18%

Compounded from reported annual figures. We publish no share-price CAGR: our prices are as-traded, so one would be wrong across every split and bonus issue.

Shareholding as of 30 Sep 2026

Promoter holding: 36.17%

Holder	Type	Holding	Previous	Change
Trishashna Holdings & Investments Private Limited	Promoter Group	34.32%	—	—
FLORINTREE VENTURES LLP	Public	11.14%	—	—
RAJSONIA CONSULTANCY SERVICES PRIVATE LIMITED	Public	3.61%	—	—
BHAWANI FINVEST PRIVATE LIMITED	Public	3.11%	—	—
LINKAGE SECURITIES PRIVATE LIMITED	Public	3.07%	—	—
Icici Prudential Life Insurance Company Limited	Public	2.65%	—	—
Massachusetts Institute Of Technology	Public	1.81%	—	—
Bandhan Small Cap Fund	Public	1.71%	—	—
TACO CONSULTANTS PRIVATE LIMITED	Public	1.62%	—	—
TRUST TEAM INVESTORS LIMITED	Public	1.48%	—	—
NIRYAS FOOD PRODUCTS PRIVATE LIMITED	Public	1.35%	—	—
UV ASSOCIATES PRIVATE LIMITED	Public	1.11%	—	—
Anureet HP Singh	Promoter Group	0.66%	—	—
Late Harbans Singh	Promoter Group	0.37%	—	—
Satvinder Singh	Promoter	0.35%	—	—

Public shareholders are disclosed individually only above 1%.

Peer comparison

Company	Mkt cap (₹ Cr)	Price (₹)	P/E	ROCE	Sales YoY	Profit YoY	1Y return
CreditAccess Grameen Ltd.	17,251	1,074.50	10.87	—	+17.66% TTM	+1,086.78% TTM	-22.03%
SATIN CREDITCARE NETWORK LIMITED	2,841	257.15	5.33	—	+19.75% TTM	+296.18% TTM	+70.35%
Muthoot Microfin Limited S	2,609	153.05	10.63	—	+0.75% TTM	+174.47% TTM	-9.17%
FUSION FINANCE LIMITED S	2,480	153.15	9.00	—	-0.33% TTM	+127.76% TTM	-14.23%
Spandana Sphoorty Financial Limited	1,609	182.70	-27.17	—	-26.46% TTM	+95.98% TTM	-24.83%

Filings & corporate actions

Recent announcements

Announcement under Regulation 30 of SEBI (LODR) Regulations, 2015 - Earnings Call Transcript3 Nov 2026 · Company Update / Earnings Call Transcript
Announcement under Regulation 30 of SEBI (LODR) Regulations, 2015 - Audio Recording of Earnings Call29 Oct 2026 · Company Update / Analyst / Investor Meet
Announcement under Regulation 30 of SEBI (LODR) Regulations, 2015 - Newspaper Publication29 Oct 2026 · Company Update / Newspaper Publication
Monitoring Agency Report for Quarter Ended September 30, 2026.28 Oct 2026 · Company Update / Monitoring Agency Report
Statement of Deviation or Variation under Regulation 32 of SEBI (LODR) Regulations 2015 for quarter ended September 30, 202628 Oct 2026 · Company Update / Reg. 32 (1), (3) - Statement of Deviation & Variation
Announcement under Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 - Investor Presentation28 Oct 2026 · Company Update / Investor Presentation
Announcement under Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 - Press Release28 Oct 2026 · Company Update / Press Release / Media Release
Unaudited Financial Results (Standalone & Consolidated) for quarter and half year ended September 30, 2026.28 Oct 2026 · Board Meeting / Outcome of Board Meeting
Unaudited Financial Results (Standalone & Consolidated) for quarter and half year ended September 30, 202628 Oct 2026 · Result / Financial Results
Announcement under Regulation 30 of SEBI (LODR) Regulations, 2015 - Investor Meet Intimation23 Oct 2026 · Company Update / Analyst / Investor Meet
Satin Creditcare Network Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 28/10/2026 ,inter alia, to consider and approve Un-Audited Financial ....22 Oct 2026 · Board Meeting / Board Meeting
Announcement under Regulation 30 of SEBI (LODR) Regulations, 2015 - Credit Rating19 Oct 2026 · Company Update / Credit Rating
Announcement under Regulation 30 of SEBI (LODR) Regulations, 2015 - Credit Rating9 Oct 2026 · Company Update / Credit Rating
Certificate under Regulation 74(5) of SEBI (DP) Regulations, 2018, for the quarter ended September 30, 20268 Oct 2026 · Company Update / Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
Announcement under Regulation 30 of SEBI (LODR) Regulations, 2015 - Business Update7 Oct 2026 · Company Update / General
Intimation of closure of trading window24 Sep 2026 · Insider Trading / SAST / Closure of Trading Window
Announcement under Regulation 30 of SEBI (LODR) Regulations, 2015 - Investor Meet21 Sep 2026 · Company Update / Analyst / Investor Meet
Announcement under Regulation 30 of SEBI (LODR) Regulations, 2015 - Press Release14 Sep 2026 · Company Update / Press Release / Media Release
Announcement under Regulation 30 of SEBI (LODR) Regulations, 2015 - Investor Meet26 Aug 2026 · Company Update / Analyst / Investor Meet
Announcement under Regulation 30 of SEBI (LODR) Regulations, 2015 - Investor Meet26 Aug 2026 · Company Update / Analyst / Investor Meet
Announcement under Regulation 30 of SEBI (LODR) Regulations, 2015 - Press Release26 Aug 2026 · Company Update / Press Release / Media Release
Announcement under Regulation 30 & 44 of SEBI (LODR) Regulations, 2015 - Scrutinizer Report and Voting Results of the 36th AGM of the Company7 Aug 2026 · AGM/EGM / AGM
Announcement under Regulation 30 of SEBI (LODR) Regulations, 2015 - Proceedings of 36th Annual General Meeting held on Friday, August 07, 20267 Aug 2026 · AGM/EGM / AGM
Approval for change in Management and amendment/ variation to the trust deed of Satin Employee welfare Trust6 Aug 2026 · Company Update / Change in Management
Announcement under Regulation 30 of SEBI (LODR) Regulations, 2015 - Press Release6 Aug 2026 · Company Update / Press Release / Media Release
The Exchange has received the disclosure under Regulation 29(2) of SEBI (Substantial Acquisition of Shares & Takeovers) Regulations, 2011 for Trishashna Holdings & Investments Pvt Ltd4 Aug 2026 · Insider Trading / SAST / Disclosures under Reg. 29(2) of SEBI (SAST) Regulations, 2011
Announcement under Regulation 30 of SEBI (LODR) Regulations, 2015 - Earnings Call Transcript3 Aug 2026 · Company Update / Earnings Call Transcript
Working Committee Meeting for Allotment of Fully Convertible Warrants to an entity belonging to the 'Promoter & Promoter Group3 Aug 2026 · Others / Outcome without intimation
Announcement under Regulation 30 of SEBI (LODR) Regulations, 2015 - Press Release3 Aug 2026 · Company Update / Press Release / Media Release
Announcement under Regulation 30 of SEBI (LODR) Regulations, 2015 - Audio Recording of Earnings Call31 Jul 2026 · Company Update / Analyst / Investor Meet
Announcement under Regulation 30 of SEBI (LODR) Regulations, 2015 - Newspaper Publication31 Jul 2026 · Company Update / Newspaper Publication
Announcement under Regulation 30 of SEBI (LODR) Regulations, 2015 - Investor Presentation30 Jul 2026 · Company Update / Investor Presentation
Announcement under Regulation 30 of SEBI (LODR) Regulations, 2015 - Press Release30 Jul 2026 · Company Update / Press Release / Media Release
Unaudited Financial Results (Standalone & Consolidated) for the quarter ended June 30, 2026 along with Limited Review Report30 Jul 2026 · Result / Financial Results
Unaudited Financial Results (Standalone & Consolidated) for quarter ended June 30, 2026 along with Limited Review Report30 Jul 2026 · Board Meeting / Outcome of Board Meeting
Announcement under Regulation 30 of SEBI (LODR) Regulations, 2015 - Investor Meet Intimation27 Jul 2026 · Company Update / Analyst / Investor Meet
Satin Creditcare Network Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 30/07/2026 ,inter alia, to consider and approve Un-Audited Financial ....27 Jul 2026 · Board Meeting / Board Meeting
Newspaper Advertisement for 36th Annual General Meeting and E-Voting information11 Jul 2026 · Company Update / Newspaper Publication
Intimation under Regulation 34(2) of SEBI (LODR) Regulations, 2015 - Business Responsibility and Sustainability Reporting for financial year 2025-26.10 Jul 2026 · Others / Business Responsibility and Sustainability Reporting (BRSR)
Intimation under Regulation 34 of SEBI LODR, 2015 - Integrated Annual Report for the Financial Year 2025-26 including Notice of the 36th Annual General Meeting of the Company.10 Jul 2026 · Others / Reg. 34 (1) Annual Report

Board meetings

28 Oct 2026 Board Meeting - Financial Results
30 Jul 2026 Board Meeting - Financial Results