Satin Creditcare Network Valuation

Is 539404 undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

3/6

Valuation Score 3/6

Below Fair Value
Significantly Below Fair Value
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of 539404 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: Insufficient data to calculate 539404's fair value for valuation analysis.

Significantly Below Fair Value: Insufficient data to calculate 539404's fair value for valuation analysis.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 539404?

Key metric: As 539404 is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for 539404. This is calculated by dividing 539404's market cap by their current earnings.
What is 539404's PE Ratio?
PE Ratio	4.3x
Earnings	₹3.91b
Market Cap	₹16.38b

539404 key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue	n/a
Enterprise Value/EBITDA	n/a
PEG Ratio	0.1x

Price to Earnings Ratio vs Peers

How does 539404's PE Ratio compare to its peers?

The above table shows the PE ratio for 539404 vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
Company	Forward PE	Estimated Growth	Market Cap
Peer Average	30.5x
531179 Arman Financial Services	9.5x	n/a	₹13.1b
508954 Finkurve Financial Services	61.1x	n/a	₹11.2b
SPANDANA Spandana Sphoorty Financial	27.5x	84.8%	₹26.0b
532900 Paisalo Digital	23.8x	25.8%	₹42.3b
539404 Satin Creditcare Network	4.3x	35.8%	₹16.4b

Price-To-Earnings vs Peers: 539404 is good value based on its Price-To-Earnings Ratio (4.3x) compared to the peer average (30.5x).

Price to Earnings Ratio vs Industry

How does 539404's PE Ratio compare vs other companies in the IN Consumer Finance Industry?

1 Company	Price / Earnings	Estimated Growth	Market Cap
523384 Maha Rashtra Apex	0.7x	n/a	US$27.58m

No more companies available in this PE range

1 Company		Estimated Growth	Market Cap

No more companies

Price-To-Earnings vs Industry: 539404 is good value based on its Price-To-Earnings Ratio (4.3x) compared to the Indian Consumer Finance industry average (22.9x).

Price to Earnings Ratio vs Fair Ratio

What is 539404's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

539404 PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio	4.3x
Fair PE Ratio	20.8x

Price-To-Earnings vs Fair Ratio: 539404 is good value based on its Price-To-Earnings Ratio (4.3x) compared to the estimated Fair Price-To-Earnings Ratio (20.8x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst 539404 forecast and predictions for the stock price in 12 month’s time.
Date	Share Price	Average 1Y Price Target	Dispersion	High	Low	1Y Actual price	Analysts
Current	₹151.55	₹237.50 +56.7%	26.3%	₹300.00	₹175.00	n/a	2
Nov ’25	₹165.15	₹275.00 +66.5%	9.1%	₹300.00	₹250.00	n/a	2
Oct ’25	₹192.00	₹327.50 +70.6%	8.4%	₹355.00	₹300.00	n/a	2
Sep ’25	₹213.90	₹327.50 +53.1%	8.4%	₹355.00	₹300.00	n/a	2
Aug ’25	₹220.25	₹360.00 +63.5%	2.8%	₹370.00	₹350.00	n/a	2
Jul ’25	₹223.65	₹360.00 +61.0%	2.8%	₹370.00	₹350.00	n/a	2
Jun ’25	₹218.95	₹360.00 +64.4%	2.8%	₹370.00	₹350.00	n/a	2
May ’25	₹262.30	₹360.00 +37.2%	2.8%	₹370.00	₹350.00	n/a	2
Apr ’25	₹225.15	₹360.00 +59.9%	2.8%	₹370.00	₹350.00	n/a	2
Mar ’25	₹234.75	₹360.00 +53.4%	2.8%	₹370.00	₹350.00	n/a	2

Analyst Forecast: Target price is more than 20% higher than the current share price, but there are not enough analysts covering the stock to determine statistical confidence in agreement.

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