SATIN CREDIT NET LTD

SATIN · General/Diversified · NSE

₹223

Current Market Price

Under Review— We don’t have enough data to publish a fair value estimate for SATIN yet. Reason: Data Limited.

Valuation engine: DCF

Updated just now

YieldIQ Score

Piotroski F-Score

4/9

Economic Moat

None

Confidence

8%

ROE

7.3%

Debt/Equity

3.46

WACC

11.1%

Market Cap

₹2,448 Cr

Quality & Valuation

Neutral model outputs — no recommendations.

ROCE

2.3%

Return on capital employed

EV / EBITDA

Enterprise multiple

Debt / EBITDA

Leverage vs earnings

Interest Coverage

91.3×

EBIT covers interest

Current Ratio

1.46×

Short-term liquidity

Asset Turnover

0.26×

Revenue per ₹ of assets

Revenue CAGR (3Y)

25.0%

3-year revenue growth

Revenue CAGR (5Y)

5-year revenue growth

Ratio Trends

SATIN · last 6 annual periods

ROE

7.3%

min 5.3%max 7.3%

ROCE

2.3%

min 2.3%max 4.8%

Operating Margin

min max

Debt / Equity

3.46×

min 2.72×max 3.46×

PE

14.2×

min 14.2×max 19.8×

EV / EBITDA

min max

Historical Financials

SATIN · Annual, last 5 years· amounts in ₹Cr unless noted

Metric
2022
NSE_XBRL
2023
NSE_XBRL
2024
NSE_XBRL
2025
yfinance
2026
yfinance
CAGR
Revenue₹1254 Cr₹1275 Cr₹1860 Cr₹2317 Cr₹2491 Cr+18.7%
EBITDA₹51.2 Cr₹25.0 Cr₹608 Cr₹545 Cr₹506 Cr+77.3%
EBIT₹660 Cr₹622 Cr₹1484 Cr+22.4%
PAT₹20.7 Cr₹4.8 Cr₹436 Cr₹186 Cr₹332 Cr+100.2%
EPS (diluted)₹2.72₹0.59₹43.27+99.7%
CFO₹336 Cr₹-956 Cr₹-2069 Cr₹-563 Cr₹-974 Cr
CapEx₹-5.9 Cr₹-9.9 Cr₹-13.1 Cr₹-19.8 Cr₹-28.7 Cr
FCF₹330 Cr₹-966 Cr₹-2082 Cr₹-583 Cr₹-1003 Cr
Total Assets₹7655 Cr₹7850 Cr₹10.5K Cr₹11.6K Cr₹14.4K Cr+17.1%
Total Debt₹5744 Cr₹5911 Cr₹7910 Cr₹8791 Cr₹11.0K Cr+17.6%
Shareholders' Equity₹1582 Cr₹1628 Cr₹2401 Cr₹2543 Cr₹2863 Cr+16.0%

CAGR computed across the visible window. Signs reverse if start value is zero or negative.

Peer Comparison

SATIN vs 5 closest peers by market-cap band

PeerMoSScoreVerdictROEPE
SPANDANA

SPANDANA

Pending-39.3%
PFS

PFS

Pending7.9%
UGROCAP

UGROCAP

Pending7.0%
MUFIN

MUFIN

Pending4.9%
ARMANFIN

ARMANFIN

Pending6.1%25.0×

Click a ticker to view its fair-value analysis.

Dividend History

No dividend events recorded for SATIN in the last 10 years.

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Interactive DCF sliders, sensitivity heatmap, peer comparison, and more.

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Model estimates using publicly available data. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.