Satin Credit NET Ltd

NSE: SATIN · Microfinance Institutions · sector

₹219.64NSE close 2026-10-26

Key numbers

Market cap₹2,419 cr

Price₹219.64

52w high / low₹274 / ₹136

P/E6.4xSector median 11.6x

P/B0.8xSector median 0.9x

Book value₹284.1

Dividend yield–

ROE12.7%Sector median 8.9%

ROA2.88%Sector median 2.03%

Gross NPA–

Net NPA–

CET1–

Sales growth 3y+17.0%Sector median +8.1%

Profit growth 3y+4.5%Sector median -2.0%

PEG–

Last 12 months to Jun 2026, Standalone. "Sector median" = middle value of 5 companies in Microfinance Institutions (P/E median leaves out loss-making companies). Tap ? for what a number means.

Things to know

No promoter shares are pledged.
Total income was higher than a year earlier in 4 of the last 4 quarters.
No dividend in the last 5 financial years.
Price ₹219.64 on 2026-10-26: -19.9% from the 52-week high, +61.7% from the 52-week low.

Plain facts from the filings, built by the same fixed rules for every company. A line appears only when the data for it is available. Not a view on the stock.

Charts

Weekly close · high ₹258.57 · low ₹134.08

Quarterly results

₹ cr	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Total income	600	631	560	641	716	670	812	671
Net interest income	600	–	560	641	716	670	812	671
Other income	0	1	2	1	0	1	1	1
Net profit	42	31	41	43	52	71	137	120
EPS (₹)	3.78	2.85	3.73	3.87	4.72	6.42	12.45	10.94
Revenue YoY					+19.2%	+6.1%	+45.0%	+4.6%
Profit YoY					+24.8%	+125.4%	+233.6%	+182.4%

Standalone figures where filed. Latest quarter Jun 2026.

Profit & loss (yearly)

₹ cr	FY22	FY23	FY24	FY25	FY26	TTM
Revenue	1,262	1,761	2,049	2,373	2,822	2,868
Net profit	40	264	423	217	302	380
EPS (₹)	5.76	33.79	43.01	19.69	27.46	34.53
Revenue growth		+39.6%	+16.3%	+15.8%	+18.9%	+17.9%
Profit growth		+557.0%	+60.0%	-48.8%	+39.5%	+142.6%
Dividend / share (₹)	–	–	–	–	–

Compounded growth	3 years	5 years	Last 12 months
Sales	+17.0%	+17.3%	+17.9%
Net profit	+4.6%	–	+142.6%
EPS	-6.7%	–	–
Share price	–	+14.8% (2y)	+54.3%

Balance sheet

₹ cr	FY22	FY23	FY24	FY25	FY26
Shareholders' equity	–	1,914	2,667	2,843	3,129
Borrowings	–	4,005	5,855	5,808	8,006
Cash & equivalents	–	1,029	1,137	1,217	2,043
Total assets	–	7,645	10,083	10,886	13,196
Fixed assets	–	83	86	88	92
Capital work in progress	–	–	–	0	7
Inventory	–	0	0	0	0

Year-end figures from the March annual filing.

Cash flow

₹ cr	FY22	FY23	FY24	FY25	FY26
Cash from operations	465	-736	-1,784	-258	-377
Cash from investing	-55	-111	-87	-103	-310
Cash from financing	-567	206	2,014	645	1,430
Capex	5	8	11	16	22
Free cash flow	460	-744	-1,795	-274	-400

Free cash flow = cash from operations − capex.

Ratios by year

₹ cr	FY22	FY23	FY24	FY25	FY26
ROE %	–	13.8%	15.9%	7.6%	9.7%

Shareholding

Holder	% (2026-09-30)
Promoters	36.17%
FIIs	4.89%
DIIs	6.30%
of which Mutual funds	1.71%
of which Insurance	3.32%
Public (non-institutions)	52.26%

Quarter	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
Promoters %	36.17%	36.17%	36.17%	36.17%	36.17%	36.17%	36.17%	36.17%

Promoter group	%
Trishashna Holdings & Investments Private Limited	34.32%
Anureet HP Singh	0.66%
Late Harbans Singh	0.37%
Satvinder Singh	0.35%
Wisteria Holdings & Investments Private Limited	0.29%
Neeti Singh	0.18%
HP Singh	0.00%

Public holders above 1%	%
Florintree Ventures LLP	11.14%
Rajsonia Consultancy Services Private Limited	3.61%
Bhawani Finvest Private Limited	3.11%
Linkage Securities Private Limited	3.07%
Icici Prudential Life Insurance Company Limited	2.65%
Massachusetts Institute Of Technology	1.81%
Bandhan Small Cap Fund	1.71%
Taco Consultants Private Limited	1.62%
Trust Team Investors Limited	1.48%
Niryas Food Products Private Limited	1.35%
UV Associates Private Limited	1.11%

34,289 shareholders. Pledged: 0.00% of promoter shares.

Peers in Microfinance Institutions

Company	Market cap	P/E	P/B	ROE	ROA	Gross NPA	Sales 3y	Div yield
CREDITACC	₹15,986 cr	13.2x	2.0x	16.4%	3.79%	–	+19.6%	–
MUTHOOTMF	₹2,447 cr	10.0x	0.9x	8.9%	1.93%	–	–	–
SATIN	₹2,419 cr	6.4x	0.8x	12.7%	2.88%	–	+17.0%	–
FUSION	₹2,215 cr	13.3x	0.9x	8.2%	2.03%	–	-0.8%	–
SPANDANA	₹1,461 cr	–	0.7x	-11.6%	-4.52%	–	-12.0%	–

All 5 companies in Microfinance Institutions →

Dividends & corporate actions

Ex-date	Action	Detail
2020-08-04	Rights	Rights 48:125 @ Premium Rs 50/-
2020-07-28	Other	Annual General Meeting
2019-06-27	Other	Annual General Meeting
2018-06-28	Other	Annual General Meeting
2017-06-28	Other	Annual General Meeting
2016-07-21	Other	Annual General Meeting

Documents

Links go to the original files on the exchange website.

About the company

Microfinance Services: Our business operates on the Joint Liability Group model to offer collateral free micro-credit to economically active women in rural and semi-urban areas, thereby expanding access to financial services


Sector	Financial Services
Industry	Microfinance Institutions
Sub-industry	Microfinance Institutions
Symbol	SATIN
BSE code	539404
ISIN	INE836B01017
Face value	₹10.0
Incorporated	1990-10-16
Website	www.satincreditcare.com
Plants (India / abroad)	0 / 0

From the company's filings (BRSR FY26).

Data built 2026-10-23 from NSE company filings (XBRL: Integrated Filing - Financials + financial results), NSE shareholding & pledge data; price = NSE close 2026-10-26.