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Satin Creditcare Network Ltd.

Finance - NBFC - MFI

Rating :
54/99

BSE: 539404 | NSE: SATIN

NSE BSE
253.40
26-Apr-2024
  • Open
  • High
  • Low
  • Previous Close
  •  256.90
  •  258.90
  •  252.60
  •  255.30
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  281650
  •  718.32
  •  283.55
  •  143.15

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 2,802.65
  • 6.92
  • 10
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 7,462.68
  • N/A
  • 1.24

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 36.17%
  • 12.16%
  • 22.22%
  • FII
  • DII
  • Others
  • 6.67%
  • 3.30%
  • 19.48%

Chart

Price | P:E | P:BV | EV:EBITDA | MCap:Sales | EPS

Revenue CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 24.90
  • 1.54
  • 4.22

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 18.95
  • -12.61
  • -6.82

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 32.74
  • -52.61
  • -

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 3.18
  • 4.88
  • -

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 0.91
  • 0.72
  • 0.76

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 7.07
  • 6.79
  • 7.81

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Dec 23
Dec 22
Var%
Sep 23
Sep 22
Var%
Jun 23
Jun 22
Var%
Mar 23
Mar 22
Var%
Net Sales
595.57
415.81
43.23%
537.61
359.68
49.47%
462.34
344.77
34.10%
437.33
363.50
20.31%
Expenses
192.35
177.97
8.08%
172.66
137.54
25.53%
156.32
463.28
-66.26%
140.16
125.17
11.98%
EBITDA
403.22
237.84
69.53%
364.95
222.14
64.29%
306.02
-118.51
-
297.17
238.32
24.69%
EBIDTM
67.70%
57.20%
67.88%
61.76%
66.19%
-34.37%
67.95%
65.56%
Other Income
0.71
0.15
373.33%
0.87
1.02
-14.71%
1.38
0.51
170.59%
0.05
0.69
-92.75%
Interest
246.90
155.11
59.18%
216.69
144.87
49.58%
185.48
158.85
16.76%
157.91
153.45
2.91%
Depreciation
5.85
3.90
50.00%
6.05
3.54
70.90%
4.37
3.14
39.17%
7.81
3.98
96.23%
PBT
151.18
78.98
91.42%
143.09
74.75
91.42%
117.54
-279.99
-
131.50
81.58
61.19%
Tax
38.11
20.27
88.01%
36.31
17.56
106.78%
29.67
-70.30
-
32.89
24.68
33.27%
PAT
113.07
58.71
92.59%
106.78
57.20
86.68%
87.87
-209.70
-
98.60
56.90
73.29%
PATM
18.98%
14.12%
19.86%
15.90%
19.01%
-60.82%
22.55%
15.65%
EPS
10.28
7.09
44.99%
10.76
7.27
48.01%
9.98
-27.95
-
11.63
7.63
52.42%

Annual Results

Standalone Figures in Rs. Crores /

Consolidated
Description
TTM
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Net Sales
2,032.85
1,557.29
1,377.05
1,375.86
1,500.91
1,442.68
1,031.88
801.05
Net Sales Growth
37.01%
13.09%
0.09%
-8.33%
4.04%
39.81%
28.82%
 
Cost Of Goods Sold
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Gross Profit
2,032.85
1,557.29
1,377.05
1,375.86
1,500.91
1,442.68
1,031.88
801.05
GP Margin
100.00%
100%
100%
100%
100%
100%
100%
100%
Total Expenditure
661.49
1,111.35
700.15
741.07
686.37
567.62
502.01
321.85
Power & Fuel Cost
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
% Of Sales
-
0%
0%
0%
0%
0%
0%
0%
Employee Cost
-
387.60
393.12
337.33
351.35
305.48
220.48
171.86
% Of Sales
-
24.89%
28.55%
24.52%
23.41%
21.17%
21.37%
21.45%
Manufacturing Exp.
-
28.58
30.22
30.42
32.13
33.88
22.38
15.74
% Of Sales
-
1.84%
2.19%
2.21%
2.14%
2.35%
2.17%
1.96%
General & Admin Exp.
-
77.33
50.28
49.38
66.94
55.70
43.27
45.88
% Of Sales
-
4.97%
3.65%
3.59%
4.46%
3.86%
4.19%
5.73%
Selling & Distn. Exp.
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
% Of Sales
-
0%
0%
0%
0%
0%
0%
0%
Miscellaneous Exp.
-
617.84
226.52
323.95
235.95
172.56
215.88
88.37
% Of Sales
-
39.67%
16.45%
23.55%
15.72%
11.96%
20.92%
11.03%
EBITDA
1,371.36
445.94
676.90
634.79
814.54
875.06
529.87
479.20
EBITDA Margin
67.46%
28.64%
49.16%
46.14%
54.27%
60.66%
51.35%
59.82%
Other Income
3.01
194.43
4.09
8.51
3.92
99.43
136.48
0.42
Interest
806.98
616.73
630.72
637.97
589.29
646.17
535.74
435.75
Depreciation
24.08
18.39
16.10
15.08
17.54
12.51
14.74
6.05
PBT
543.31
5.24
34.18
-9.75
211.63
315.81
115.86
37.81
Tax
136.98
0.43
13.48
4.23
56.65
114.31
41.06
12.89
Tax Rate
25.21%
8.21%
39.44%
-43.38%
26.77%
36.20%
35.44%
34.09%
PAT
406.32
4.81
20.70
-13.98
154.97
201.20
75.41
24.88
PAT before Minority Interest
406.32
4.81
20.70
-13.98
154.97
201.50
74.80
24.93
Minority Interest
0.00
0.00
0.00
0.00
0.00
-0.30
0.61
-0.05
PAT Margin
19.99%
0.31%
1.50%
-1.02%
10.33%
13.95%
7.31%
3.11%
PAT Growth
1,201.44%
-76.76%
-
-
-22.98%
166.81%
203.09%
 
EPS
36.77
0.44
1.87
-1.27
14.02
18.21
6.82
2.25

Results Balance Sheet

Standalone Figures in Rs. Crores /

Consolidated
Description
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Shareholder's Funds
1,628.12
1,581.85
1,486.16
1,448.69
1,149.45
884.77
662.59
Share Capital
84.80
74.59
66.47
51.71
48.53
47.27
62.14
Total Reserves
1,514.06
1,457.26
1,417.52
1,391.57
1,081.15
820.96
599.97
Non-Current Liabilities
4,672.27
4,941.98
5,933.29
5,373.70
4,790.98
4,283.78
2,027.55
Secured Loans
4,127.17
4,304.39
5,330.70
4,661.13
4,089.15
3,774.85
1,640.63
Unsecured Loans
624.33
710.30
638.35
692.43
695.34
601.53
382.70
Long Term Provisions
9.34
9.82
16.43
12.86
15.15
0.00
27.29
Current Liabilities
1,460.60
1,048.90
573.06
477.23
791.88
1,035.80
2,062.20
Trade Payables
20.60
29.71
33.64
24.92
13.43
25.09
14.55
Other Current Liabilities
280.26
290.37
326.47
264.36
292.32
205.74
1,833.75
Short Term Borrowings
1,159.75
728.83
212.08
187.95
486.12
784.50
169.92
Short Term Provisions
0.00
0.00
0.88
0.00
0.00
20.46
43.97
Total Liabilities
7,760.99
7,572.73
7,992.51
7,299.62
6,732.31
6,206.43
4,754.62
Net Block
122.32
118.83
131.27
93.95
80.63
74.97
72.74
Gross Block
202.56
192.08
197.43
147.94
117.92
104.31
87.62
Accumulated Depreciation
80.25
73.25
66.16
53.99
37.29
29.34
14.88
Non Current Assets
6,535.58
5,512.27
5,967.40
5,080.91
4,651.93
4,947.22
1,074.69
Capital Work in Progress
0.00
0.18
3.65
34.14
16.34
16.23
12.18
Non Current Investment
61.76
47.97
0.01
0.01
0.01
0.04
0.06
Long Term Loans & Adv.
3.74
5.69
6.33
7.00
4.65
3.23
16.16
Other Non Current Assets
12.27
24.19
14.99
4.70
1.68
5.46
157.86
Current Assets
1,225.41
2,060.46
2,025.13
2,218.71
2,080.38
1,259.20
3,674.54
Current Investments
0.00
0.59
0.58
245.73
264.28
71.78
20.45
Inventories
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Sundry Debtors
5.39
2.76
19.46
12.33
12.38
11.77
5.99
Cash & Bank
1,114.36
2,001.94
1,958.33
1,881.16
1,758.42
1,133.78
1,129.76
Other Current Assets
105.66
43.08
38.66
35.78
45.30
41.87
2,518.33
Short Term Loans & Adv.
47.69
12.08
8.11
43.71
22.03
8.57
2,449.24
Net Current Assets
-235.18
1,011.56
1,452.06
1,741.48
1,288.50
223.41
1,612.34
Total Assets
7,760.99
7,572.73
7,992.53
7,299.62
6,732.31
6,206.42
4,754.63

Cash Flow

Standalone Figures in Rs. Crores /

Consolidated
Description
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Cash From Operating Activity
-956.34
336.17
-944.90
-225.30
611.00
-1,541.37
-966.45
PBT
5.24
34.18
-9.75
211.63
315.81
115.86
37.81
Adjustment
219.60
184.13
229.53
16.07
-70.55
70.13
58.04
Changes in Working Capital
-1,143.53
158.02
-1,151.40
-381.40
432.90
-1,719.59
-1,033.65
Cash after chg. in Working capital
-918.69
376.33
-931.62
-153.70
678.16
-1,533.60
-937.80
Interest Paid
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Tax Paid
-37.65
-40.17
-13.28
-71.59
-67.16
-7.77
-28.64
Other Direct Exp. Paid
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Extra & Other Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Cash From Investing Activity
-72.90
-50.80
225.66
55.68
-186.85
-54.91
-36.21
Net Fixed Assets
-9.50
10.83
-17.29
-43.59
-13.16
-19.53
Net Investments
-405.35
-52.98
230.15
-91.45
-273.33
-78.27
Others
341.95
-8.65
12.80
190.72
99.64
42.89
Cash from Financing Activity
389.87
-442.42
734.32
242.85
88.23
1,393.73
1,397.52
Net Cash Inflow / Outflow
-639.37
-157.05
15.08
73.24
512.38
-202.55
394.86
Opening Cash & Equivalents
897.08
1,054.13
1,039.05
965.82
453.43
655.98
268.36
Closing Cash & Equivalent
257.71
897.08
1,054.13
1,039.05
965.82
453.43
663.22

Financial Ratios

Standalone /

Consolidated
Description
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Book Value (Rs.)
188.67
205.51
223.33
261.45
218.07
172.07
159.35
ROA
0.06%
0.27%
-0.18%
2.21%
3.11%
1.36%
0.52%
ROE
0.31%
1.37%
-0.96%
12.05%
20.17%
9.97%
3.95%
ROCE
8.37%
8.87%
8.57%
11.94%
15.43%
12.33%
10.47%
Fixed Asset Turnover
7.89
7.07
7.97
11.29
12.98
10.75
9.14
Receivable days
0.96
2.94
4.22
3.00
3.05
3.14
2.73
Inventory Days
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Payable days
0.00
0.00
0.00
17.16
19.69
27.84
27.14
Cash Conversion Cycle
0.96
2.94
4.22
-14.16
-16.63
-24.69
-24.41
Total Debt/Equity
3.70
3.75
4.17
3.84
4.67
5.94
5.88
Interest Cover
1.01
1.05
0.98
1.36
1.49
1.22
1.09

Annual Reports:

FY 2023
FY 2022
FY 2021
FY 2020
FY 2019
FY 2018
FY 2017
FY 2016
FY 2015

News Update:


  • Satin Creditcare Network planning to raise funds
    12th Apr 2024, 09:21 AM

    The meeting of Working Committee of Board of Directors of the company is scheduled to be held on April 16, 2024 inter-alia to consider and approve the same

    Read More
  • Satin Creditcare Network gets latest ISO 27001:2022 Certification
    23rd Feb 2024, 14:59 PM

    The Company has achieved the ISO 27001:2022 certification for the second time

    Read More
  • Satin Creditcare Network inaugurates two branches in Telangana
    21st Feb 2024, 09:48 AM

    This move increases the total count of states and union territories to 26, as the company endeavours to reach more geographies

    Read More
  • Satin Creditcare Network crosses Rs 10,000 crore AUM on standalone basis
    19th Feb 2024, 09:41 AM

    The AUM of the company as on December 31, 2023 was Rs 9,811 crore

    Read More
  • Satin Creditcare - Quarterly Results
    2nd Feb 2024, 16:52 PM

    Read More

Source: www.accordfintech.com | DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.