Satin Creditcare Network Limited
Valuation (100/100) does the heavy lifting; momentum (41/100) is the drag.
Buy zoneOur blended model reads Satin Creditcare Network Limited as a Strong Buy at 77/100. On 8.5x trailing earnings it sits cheaper than the Financial Services median of about 24.3x. The price is about 19% below its 52-week high of ₹268.87 and 58% above the low of ₹137.25. Financial health scores 72/100, with a Piotroski F-score of 2/9. The average analyst target of ₹265 implies about 22% upside across 1 analysts. It clears 7 of 12 investability checks, with durability 64, valuation 99 and momentum 41 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹346.69. Low-confidence estimate — limited data.
Analyst views
1-year price
EOD · 2026-09-1452-week range
-19.41% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Strong Buy77Piotroski F-score 2/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Fail: ROE above 15%: 12.3%
- Fail: Low debt (D/E < 0.5): 3.83x
- Fail: Positive free cash flow
- Pass: Revenue growth > 10%: 117%
- Pass: Earnings growing: 641%
- Pass: Net margin ≥ 10%: 21.2%
- Pass: Current ratio > 1.5: 2.52
- Pass: Below our fair value
- Pass: Margin of safety ≥ 20%
- Pass: Above 200-day average
- Fail: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 2/9
Quarterly results
Annual financials
Shareholding
- Promoter61.7%
- Institutions7.0%
- Public & other31.2%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Healthy profit margin (21.2%).
Opportunities
- Earnings growing (641% YoY).
- Revenue growing (117% YoY).
- Trading in our value buy zone versus sector peers.
- Trades ~100% below our estimated fair value.
Bear case
Weaknesses
- High debt relative to equity.
- Weak Piotroski score (2/9).
About Satin Creditcare Network Limited
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.
Satin Creditcare Network Limited — frequently asked questions
Is Satin Creditcare Network Limited a buy, hold or sell?
StocksWizard currently rates Satin Creditcare Network Limited (SATIN) a Strong Buy, based on a blended score of 77/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is Satin Creditcare Network Limited's fair value?
Our blended DCF and relative-valuation model estimates Satin Creditcare Network Limited's fair value at about ₹433.36, versus a current price of ₹216.68 — roughly 100% upside. On that basis the stock looks undervalued by 100%.
Is Satin Creditcare Network Limited financially healthy?
Satin Creditcare Network Limited scores 72/100 on our financial-health model, with a Piotroski F-score of 2/9.
How has Satin Creditcare Network Limited's share price performed?
Satin Creditcare Network Limited is down 7% over three months, and last traded at ₹216.68. Past performance doesn't predict future returns.
More in Financial Services
View allOur verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.