Satin Creditcare Network Ltd
Ticker: SATIN
Decent
66/100
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Investing Reference
Price
146.18
Market Cap
1607.80
Debt/Equity
3.4573
ROE %
7.530
PB
0.6323
Promoter %
36.173
Pledge %
0.000
1Y Rev Growth %
16.129
5Y Rev Growth %
11.594
NP Margin %
7.153
NP Margin 5Y Avg %
5.481
Trading Reference
1M Return %
-1.395
6M Return %
-5.532
1Y Return %
-22.245
% Away 52W High
32.296
% Away 52W Low
10.910
Daily Volume
46224
Investment Verdict
Hold
Score 72/100 · Position size: 30%
Fundamentals are OK but not compelling. Maintain current position; avoid fresh adds.
Trading Verdict
Avoid
Score 13/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
Satin Creditcare Network Ltd is currently trading near a strong support level, with recent volume indicating increased buying interest. If the stock can maintain above this support, it has the potential to rally towards the next resistance level. However, if it breaks below the support, it may face significant downside risk.
Upside Probability: 25% | Downside Probability: 15%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
Satin Creditcare Network Ltd is a leading microfinance institution in India, dedicated to empowering low-income households through accessible financial services. Catering primarily to women entrepreneurs, it plays a crucial role in promoting financial inclusion and economic growth in underserved communities. With a strong focus on customer-centric solutions, Satin Creditcare is committed to responsible lending and sustainable development. This makes it a vital player in the Indian microfinance landscape, fostering entrepreneurship and improving livelihoods.
- Leading microfinance institution in India
- Focus on empowering women entrepreneurs
- Promotes financial inclusion for low-income households
- Committed to responsible lending practices
- Supports sustainable economic growth in communities
Investment Thesis
Satin Creditcare Network Ltd stands out due to its strong promoter credibility, robust growth in digital services, and attractive valuation compared to peers. This positions the company for sustained growth and profitability, making it a compelling investment opportunity for retail investors.
- Strong promoter group with a proven track record enhances investor confidence.
- Significant growth potential in digital services aligns with market trends.
- Valuation metrics indicate attractive pricing relative to industry peers.
- Focus on financial inclusion supports long-term business sustainability.
- Established brand presence in the microfinance sector bolsters market position.
Opportunity vs Risk
Opportunities
- Growing demand for microfinance services
- Expansion into underserved rural areas
- Strong government support for financial inclusion
- Increasing digital adoption among customers
Risks ⚠️
- High competition in microfinance sector
- Regulatory changes affecting operations
- Economic downturn impacting loan repayments
- Rising interest rates affecting margins
Peer Perspective
Satin Creditcare Network Ltd trades at a discount to peers like Spandana Sphoorty and Ujjivan Financial, which may indicate potential for rerating if it achieves consistent margin stability and accelerates growth.
Future Outlook
Satin Creditcare Network Ltd is poised for growth as it expands its microfinance operations, provided it maintains strong execution and cost control measures to navigate potential market challenges.
AI FAQs for Retail Users
- Q: What does Satin Creditcare Network Ltd do?A: Satin Creditcare Network Ltd provides microfinance services to underserved populations in India.
- Q: Is Satin Creditcare Network Ltd a profitable company?A: The company's profitability can vary; please check recent financial reports for current performance.
- Q: What are the risks of investing in Satin Creditcare Network Ltd?A: Risks include market volatility, regulatory changes, and sector-specific challenges in microfinance.
- Q: How can I invest in Satin Creditcare Network Ltd?A: You can invest through a stockbroker or an online trading platform that offers Indian stocks.
- Q: Where can I find more information about Satin Creditcare Network Ltd?A: Company updates and reports are available on their official website and financial news platforms.
📊 Stock Investment Checklist (100 Points)
Satin Creditcare Network Ltd • Updated: 2025-09-18 00:54:08
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10BusinessHighThe microfinance sector has potential but faces regulatory challenges.
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10GrowthHighConsistent revenue growth but profit margins are under pressure.
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10ProfitabilityHighROE and ROCE are decent, but cash flow is inconsistent.
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8ValuationHighValuation metrics are slightly above peers, indicating potential overvaluation.
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7BalanceHighModerate debt levels, but liquidity is a concern.
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6GovernanceGoodPromoter holding is reasonable, but some pledging exists.
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5DriversGoodGrowth drivers exist but execution risks are significant.
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5TechnicalsGoodMarket sentiment is mixed, with low liquidity.
Final Score & Verdict
Score 66 / 100
• Decent
Satin Creditcare Network Ltd shows decent potential but carries risks related to profitability and market conditions.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 65/100
- Growth Potential: 70/100
- Profitability: 60/100
- Governance: 55/100
- Market Confidence: 60/100