Satin Creditcare Network Limited (SATIN) Fair Value & Analysis
Financial Services · IN · Market cap ₹28.6B
Fair value as of: Jul 3, 2026
From 26 valuation models · updated today
Share price +8.3% over the past month.
Price vs Fair Value (12 months)
12‑month range ₹134.08 – ₹259.68 · fair‑value band ₹246.76 – ₹910.60 · the ₹254.80 price screens below the ₹392.63 fair value. As of Jul 3, 2026.
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Satin Creditcare Network Limited (SATIN) currently trades at ₹254.80, while our model-based Fair Value estimate is ₹392.63 — implying the stock looks roughly 54.1% undervalued today. We read business quality at 66/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.
Over the trailing twelve months, Satin Creditcare Network Limited generated revenue of ₹15.7B at a net margin of 21.2%. Revenue grew 116.6% year over year. It earns a return on equity of 12.3%. Net debt stands at ₹87.4B. Fundamentals as of Jul 3, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 3, 2026. TTM = trailing twelve months.
About the company
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; loans for clean energy and various business needs; and loans to corporate institutions and micro finance companies. It also provides financing solutions for solar energy, purchase of bicycles, home appliances, and mobile phones for small businesses and individuals; micro, small, and medium enterprise loans for merchants, retailers, wholesalers, manufacturers, service providers, salaried, self-employed professionals, and agri businesses; and 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 …
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
Satin Creditcare Network Limited reported revenue of ₹31.6B in FY2026 versus ₹12.5B in FY2022, a compound +26.0%/yr. Reported net income was ₹3.3B in FY2026, compounding +100.2%/yr from FY2022.
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6 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jul 3, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc 3V64 | €296.05 | €226.82 | -23% |
| Mastercard Incorporated M4I | €427.90 | €221.88 | -48% |
| American Express Company AXP | C$28.87 | C$24.27 | -16% |
| Capital One Financial Corporation COF | $200.48 | $122.33 | -39% |
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| PayPal Holdings PYPL34 | R$10.66 | R$17.16 | +61% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.