What is Satin Creditcare Network Ltd (SATIN) share price today?

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What sector is Satin Creditcare Network Ltd in?

Satin Creditcare Network Ltd (SATIN) is in the Financial Services sector, Microfinance Institutions industry on the NSE.

Satin Creditcare Network Ltd

Q: What is Satin Creditcare Network Ltd's Orion Score?

Satin Creditcare Network Ltd has an Orion Score of 35/100 (Caution) — a fundamentals-based quality & risk score. Satin Creditcare Network Ltd scores 35/100 (Caution) on the Orion Score — moderate business quality (61), strong growth (93) and poor balance-sheet safety (15). A fundamentals-based quality & risk score, not a buy/sell recommendation.

SATIN

NSE· Financial Services

₹256.68

+1.56 (+0.61%)

Updated 12:33 pm IST

52W Low · ₹133.0152W High · ₹267.20

Near 52W High

Market Cap

₹2655.00L Cr

Volume

3.15L

Prev Close

₹255.12

ISIN

INE836B01017

Orion Score

Fundamentals-based quality & risk · not a recommendation

35/100

Caution

Raw blend 58 capped to 35 by a red flag.

Why this is capped

Raw blend 58 → capped to 35

Profit not converting to cash (CFO -4.3x PAT) — cash-trap risk
Very high leverage (Debt/Equity 3.2)
Low interest cover (1.2x) on real debt — distress risk
Aggressive accruals not backed by cash (Beneish M 0.4, weak CFO/PAT)

Quality

Growth

Safety

Value

—

Satin Creditcare Network Ltd scores 35/100 (Caution) on the Orion Score — moderate business quality (61), strong growth (93) and poor balance-sheet safety (15). A fundamentals-based quality & risk score, not a buy/sell recommendation.

Full Orion analysis

Risk checks

Profit not converting to cash (CFO -4.3x PAT) — cash-trap risk
Very high leverage (Debt/Equity 3.2)
Low interest cover (1.2x) on real debt — distress risk
Aggressive accruals not backed by cash (Beneish M 0.4, weak CFO/PAT)

Forensic accounting

Piotroski F 2/9Altman Z Grey(2.41)Beneish M Elevated(0.40)

Piotroski F = fundamental health (0–9, higher is better) · Altman Z = bankruptcy / distress risk · Beneish M = earnings-manipulation check

Technical / Momentum

Price Trend

82/100

Strong

Technical momentum companion — separate from the fundamentals-based Orion Score.

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VestAI Stock Score

VALUATION

High Debt

D/E 3.83x — elevated leverage

QUALITY

Low Quality

ROCE 3.3% — poor capital efficiency

MOMENTUM

Neutral

RSI 64.1 — consolidating

Price Chart

SMA 20

SMA 50

SMA 200

Key Fundamentals

Q4 FY2026

P/E Ratio: 7.99
ROCE: 3.32%
ROE (1Y): 12.28%
D/E Ratio: 3.83x
OPM: 16.14%
TTM EPS: ₹30.20
Dividend Yield: 0.00%
Qtrly Sales: ₹639.76 Cr
Qtrly Profit: ₹162.02 Cr

Technical Signals

Quarterly Results

Revenue & Profit in ₹ Crores

Revenue Net Profit

Quarter	Revenue	Net Profit	OPM	EPS
Q4 2026	₹639.76	₹162.02	16.1%	₹14.73
Q3 2026	₹620.94	₹71.91	17.9%	₹6.54
Q1 2026	₹625.66	₹45.1	18.2%	₹4.10
Q4 2025	₹591.94	₹21.89	18.3%	₹1.99
Q3 2025	₹572.35	₹14.26	19.4%	₹1.30

Annual P&L

Revenue & Profit in ₹ Crores (Yearly)

Revenue Net Profit

Year	Revenue	Net Profit	EBITDA	OPM
FY 2026	₹2,490.71	₹332.19	₹505.99	19.1%
FY 2025	₹2,316.61	₹186.13	₹545.28	22.4%
FY 2024	₹1,860.24	₹435.94	₹607.98	34.7%
FY 2023	₹1,274.64	₹4.81	₹25.05	27.4%

Peer Comparison — Financial Services

Top companies in the same sector by market cap

Company	Mkt Cap	P/E	ROCE	ROE	D/E	OPM
SATIN ★	₹2,655 Cr	7.99	3.32%	12.28%	3.83x	16.14%
ICICIBANKICICI Bank Limited	₹9,05,033 Cr	16.89	16.36%	16.36%	—	—
SBINState Bank of	₹9,02,477 Cr	10.73	15.48%	15.48%	—	—
BAJAJHFLBAJAJ HOUSING FINANCE	₹73,351 Cr	28.59	3.22%	12.06%	4.61x	31.70%
ANGELONEAngel One Limited	₹31,612 Cr	34.61	14.23%	15.53%	1.29x	38.76%
CDSLCentral Depository Services	₹29,927 Cr	61.72	25.37%	23.91%	0.00x	37.64%

Balance Sheet

All values in ₹ Crores

Metric	FY 2025	FY 2024	FY 2023	FY 2022
Total Assets	₹11,587	₹10,484.71	₹7,849.57	₹7,655.27
Equity	₹2,542.86	₹2,400.85	₹1,628.12	₹1,581.85
Total Debt	₹8,791.44	₹7,909.64	₹5,911.25	₹5,743.52
Cash	₹729.05	₹424.03	₹257.68	₹1,087.35
Net Debt	₹8,062.39	₹7,485.61	₹5,653.56	₹4,656.17
Working Capital	₹2,210.97	₹2,269.36	₹727.63	₹1,319.38

Shareholding Pattern

Q1 FY2027

Promoter

57.45%

FII

3.22%

DII

2.64%

Public

36.69%

Quarter-over-Quarter Trend

Quarter	Promoter	FII	DII	Public
Q1 FY2027	57.45% ↑	3.22% ↓	2.64% ↓	36.69% ↓
Q3 FY2026	36.17%	3.55% ↓	5.18%	54.67% ↑
Q2 FY2026	36.17%	3.9% ↓	5.18% ↓	54.3% ↑
Q1 FY2026	36.17%	4.32% ↓	7.15% ↑	51.92% ↓
Q4 FY2025	36.17%	4.52% ↓	6.35% ↑	52.53% ↑
Q3 FY2025	36.17%	4.83% ↓	6.11% ↓	52.45% ↑
Q2 FY2025	36.17%	6.09% ↓	6.59% ↓	50.7% ↑
Q1 FY2025	36.17%	7.14%	7.04%	49.21%

Corporate Actions

No recent corporate actions

Funds Holding This Stock

1 mutual fund schemes

Bandhan Small Cap Fund Direct GrowthIDFC

0.16%

₹44 Cr

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About Satin Creditcare Network Ltd (SATIN) Stock

Satin Creditcare Network Ltd is listed on the NSE under the Financial Services sector, Microfinance Institutions industry. ISIN: INE836B01017. Track live share price, technical analysis, RSI, MACD, PE ratio, and smart money holdings on VestAI — India's AI-powered stock analysis platform.