Satin Creditcare Network Limited, a non-banking finance company, provides micro finance services in India.
Fair value with mediocre balance sheet.
Share Price & News
How has Satin Creditcare Network's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: 539404's share price has been volatile over the past 3 months.
7 Day Return
IN Consumer Finance
1 Year Return
IN Consumer Finance
Return vs Industry: 539404 underperformed the Indian Consumer Finance industry which returned 1.3% over the past year.
Return vs Market: 539404 underperformed the Indian Market which returned 5.1% over the past year.
Price Volatility Vs. Market
How volatile is Satin Creditcare Network's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is Satin Creditcare Network undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: 539404 (₹69.7) is trading above our estimate of fair value (₹35.14)
Significantly Below Fair Value: 539404 is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: 539404 is good value based on its PE Ratio (2.3x) compared to the IN Consumer Finance industry average (11.1x).
PE vs Market: 539404 is good value based on its PE Ratio (2.3x) compared to the Indian market (14.3x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate 539404's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: 539404 is good value based on its PB Ratio (0.2x) compared to the IN Consumer Finance industry average (0.6x).
How is Satin Creditcare Network forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Diversified Financials industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Satin Creditcare Network has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
- Examine whether Satin Creditcare Network is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
- Satin Creditcare Network competitive advantages and company strategy can generally be found in its financial reports archived here.
- Explore growth companies in the Diversified Financials industry.
How has Satin Creditcare Network performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 539404 has high quality earnings.
Growing Profit Margin: 539404's current net profit margins (16.9%) are lower than last year (25.1%).
Past Earnings Growth Analysis
Earnings Trend: 539404's earnings have grown significantly by 33.5% per year over the past 5 years.
Accelerating Growth: 539404's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: 539404 had negative earnings growth (-23%) over the past year, making it difficult to compare to the Consumer Finance industry average (-3.4%).
Return on Equity
High ROE: 539404's Return on Equity (10.7%) is considered low.
How is Satin Creditcare Network's financial position?
Financial Position Analysis
Short Term Liabilities: 539404's short term assets (₹69.2B) exceed its short term liabilities (₹28.1B).
Long Term Liabilities: 539404's short term assets (₹69.2B) exceed its long term liabilities (₹30.4B).
Debt to Equity History and Analysis
Debt Level: 539404's debt to equity ratio (381.9%) is considered high.
Reducing Debt: 539404's debt to equity ratio has reduced from 817.1% to 381.9% over the past 5 years.
Debt Coverage: 539404's operating cash flow is negative, therefore debt is not well covered.
Interest Coverage: Insufficient data to determine if 539404's interest payments on its debt are well covered by EBIT.
What is Satin Creditcare Network current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate 539404's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate 539404's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if 539404's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if 539404's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of 539404's dividend in 3 years as they are not forecast to pay a notable one for the Indian market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Harvinder Singh (60 yo)
Mr. Harvinder Pal Singh has been the Chairman and Managing Director at Satin Creditcare Network Limited since October 1, 2010 and has been its Executive Director since October 16, 1990. He serves as a Dire ...
CEO Compensation Analysis
Compensation vs Market: Harvinder's total compensation ($USD391.18K) is above average for companies of similar size in the Indian market ($USD49.39K).
Compensation vs Earnings: Harvinder's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.
|Chairman & MD||9.83yrs||₹29.19m||no data|
|Chief Financial Officer||0.58yr||₹4.84m||no data|
|COO & Executive VP||0.83yr||₹4.28m||0.0076% |
|Chief Operating Officer||4.58yrs||₹11.54m||0.038% |
|COO & Executive VP||0.58yr||₹1.06m||no data|
|Chief Information Officer||no data||₹11.81m||0.0076% |
|Company Secretary & Compliance Officer||0.83yr||₹2.71m||0.0039% |
|Chief Human Resource Officer||no data||₹10.43m||0.0088% |
|Executive Vice President||0.50yr||₹883.33k||no data|
|Senior VP & Head of Collection||no data||₹240.86k||no data|
|Group Controller||0.58yr||₹12.85m||0.13% |
|Head of Accounts||no data||no data||no data|
Experienced Management: 539404's management team is not considered experienced ( 0.7 years average tenure), which suggests a new team.
|Chairman & MD||9.83yrs||₹29.19m||no data|
|CEO & Whole Time Director of Satin Housing Finance Limited||no data||no data||no data|
|Non-Executive Non-Independent Director||29.83yrs||₹355.00k||0.50% |
|Non Executive Independent Director||21.33yrs||₹230.00k||0.014% |
|Non Executive Independent Director||7.5yrs||₹400.00k||no data|
|Non Executive Independent Director||7yrs||₹210.00k||no data|
|Non-Executive Independent Director||5.75yrs||₹160.00k||no data|
|Non Executive Independent Director||5.67yrs||₹245.00k||no data|
|Non-Executive Independent Director||5.58yrs||₹235.00k||no data|
|Non-Executive Non-Independent Nominee Director||0.25yr||no data||no data|
Experienced Board: 539404's board of directors are considered experienced (7 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Satin Creditcare Network Limited's company bio, employee growth, exchange listings and data sources
- Name: Satin Creditcare Network Limited
- Ticker: 539404
- Exchange: BSE
- Founded: 1990
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: ₹3.595b
- Shares outstanding: 51.69m
- Website: https://satincreditcare.com
Number of Employees
- Satin Creditcare Network Limited
- Plot No. 97
- 1st and 3rd Floor
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|539404||BSE (Mumbai Stock Exchange)||Yes||Equity Shares||IN||INR||Aug 2015|
|SATIN||NSEI (National Stock Exchange of India)||Yes||Equity Shares||IN||INR||Aug 2015|
Satin Creditcare Network Limited, a non-banking finance company, provides micro finance services in India. The company provides collateral free and microcredit facilities to economically active women in ru ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/08/12 12:48|
|End of Day Share Price||2020/08/11 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.