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Fincash » Search » Satin Creditcare Network Ltd

Satin Creditcare Network Ltd

Updated on July 4, 2020

Stock/Share Code - SATIN

Satin Creditcare Network is a nondeposit accepting Non-Banking Financial Company (NBFC-ND) and is registered as a Non-Banking Financial Company Micro Finance Institution (NBFC-MFI) with the Reserve B...show more

Below is the details of SATIN Satin Creditcare Network Ltd

Market Cap₹260.45 Cr.
Current Price ₹93.3 as on 9 Jul 20
52 Week High / Low Price₹354.45 / ₹45.15
Face Value₹10
Stock P/E1.31
Book Value₹261.21
Dividend Yield0.00 %
ROCE15.30 %
ROE19.39 %
Sales Growth (3yrs)35.00 %
SectorFinance
IndustryFinance & Investments
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros: Stock is trading at 0.19 times its book value Company has good consistent profit growth of 65.77% over 5 years
Cons: Though the company is reporting repeated profits, it is not paying out dividend Company has low interest coverage ratio. Promoter holding is low: 30.39% Company has a low return on equity of 13.31% for last 3 years.

Satin Creditcare Network Ltd Price Chart

Satin Creditcare Network Ltd Price Chart

Satin Creditcare Network Ltd Peer Comparison in Finance

S.No. Name CMP Rs. P/E Mar Cap Rs.Cr. Div Yld % NP Qtr Rs.Cr. Qtr Profit Var % Qtr Sales Var % Sales Qtr Rs.Cr. ROCE %
1. Bajaj Fin. ₹2,882 24.08 ₹117,548.98 Cr. 0.51 ₹891.57 Cr. -19.94 33.45 6511.09 13.02
2. Bajaj Finserv ₹2,882 20.81 ₹70,098.38 Cr. 0.11 ₹194.43 Cr. -76.82 2.31 13294.25 14.02
3. HDFC AMC ₹1,941.85 42.56 ₹53,722.5 Cr. 0.95 ₹249.83 Cr. -9.54 -2.13 476.13 51.64
4. SBI Cards ₹698.15 58.65 ₹50,595.69 Cr. 0.19 ₹83.54 Cr. -66.41 22.69 2433.24 15.15
5. Muthoot Finance ₹1,088.1 12.80 ₹34,595.48 Cr. 1.74 ₹803.41 Cr. 65.57 34.57 2310.00 16.22
6. Bajaj Holdings ₹2,882 7.44 ₹22,264.68 Cr. 2.00 ₹361.41 Cr. -54.34 33.05 110.46 12.16
7. Nippon Life Ind. ₹346.35 37.89 ₹15,621.09 Cr. 2.35 ₹11.88 Cr. -91.80 -21.43 254.51 28.19
8. Satin Creditcare 1.31 ₹260.45 Cr. 0.00 ₹47.68 Cr. -31.90 -9.01 346.99 15.30

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Satin Creditcare Network Ltd Fundamentals

Quarterly Results

Quarterly reports are issued by companies every three months. Most companies have a financial year-end of Mar. 31 and quarters that end on June 30, Sept. 30, Dec. 31 and March 31.

Standalone Figures in Rs. Crores

Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019
Revenue165243235246278309352381330333345347
Interest120129127132144153168167151151147142
Expenses -106237-1034671161129891114118147
Employee Cost %27.16%18.09%19.80%20.88%17.08%19.29%17.52%18.44%22.17%21.92%22.08%20.78%
Financing Profit-61-1231187966407211788688058
Financing Margin %-37%-51%50%32%24%13%20%31%27%21%23%17%
Other Income000000000000
Depreciation243342333343
Profit before tax-63-1261157662386911485657655
Tax %32%35%35%36%34%34%36%39%35%36%28%13%
Net Profit-43-8274494125447055415548
EPS in Rs-12.92-21.4519.1611.148.715.269.1614.4411.448.5110.599.23
Gross NPA %14.45%0.00%0.00%0.00%4.44%0.00%4.09%3.21%2.90%0.00%0.00%0.00%
Net NPA %12.76%0.00%0.00%0.00%2.62%0.00%0.00%0.00%0.00%0.00%0.00%0.00%
NotesNotesNotesNotesNotesNotesNotesNotesNotesNotesNotesNotes

Profit & Loss

The profit and loss (P&L) statement is a financial statement that summarizes the revenues, costs and expenses incurred during a specified period, usually a fiscal quarter or year. The P&L statement is synonymous with the income statement. These records provide information about a company's ability or inability to generate profit" by increasing revenue, reducing costs or both. Some refer to the P&L statement as a statement of profit and loss, income statement, statement of operations, statement of financial results or income, earnings statement or expense statement.

Standalone Figures in Rs. Crores

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019TTM
Revenue1117365956941913245587779771,3731,355
Interest5816282754106177290435533643590
Expenses -58152627346198178298303413470
Manufacturing Cost %0.00%0.06%0.17%0.15%4.52%4.84%3.44%2.16%0.46%0.50%0.41%0.42%
Employee Cost %11.51%11.46%17.43%25.44%27.33%16.85%12.36%12.11%15.85%20.19%19.37%19.29%
Other Cost %35.73%31.80%24.68%19.12%15.56%14.47%16.44%16.06%15.65%17.74%11.21%10.40%
Financing Profit11543623489043141317294
Financing Margin %8%8%14%7%5%6%12%15%16%6%14%23%22%
Other Income00-0-000101-0001
Depreciation0001111236141114
Profit before tax11432523468837127306281
Tax %39%34%35%36%33%27%34%32%34%34%35%36%
Net Profit1132141632582482195199
EPS in Rs6.8312.1518.216.6017.3840.1739.77
Dividend Payout %0%0%0%0%0%0%0%0%0%0%0%0%

Compounded Sales Growth

  • 10 Years:: 54.81%
  • 5 Years:: 48.43%
  • 3 Years:: 35.00%
  • TTM:: 2.59%

Compounded Profit Growth

  • 10 Years:: 73.91%
  • 5 Years:: 65.77%
  • 3 Years:: 49.85%
  • TTM:: 10.32%

Return on Equity

  • 3 Years:: -44.18%
  • 1 Year:: -85.44%

Balance Sheet

A balance sheet is a financial statement that reports a company's assets, liabilities and shareholders' equity at a specific point in time, and provides a basis for computing rates of return and evaluating its capital structure. It is a financial statement that provides a snapshot of what a company owns and owes, as well as the amount invested by shareholders. It is used alongside other important financial statements such as the income statement and statement of cash flows in conducting fundamental analysis or calculating financial ratios.

Standalone Figures in Rs. Crores

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Sep 2019
Share Capital -991118182329313262474952
Preference Capital0.000.000.000.000.000.006.006.000.0025.000.000.00
Equity Capital8.868.8511.0017.8017.8522.6922.6925.3831.5037.1447.2748.53
Reserves671361621011161682936008271,0881,308
Borrowings53801842072165909091,6302,7483,8555,1515,2354,889
Other Liabilities -22129213269187231256238336405
Trade Payables1144026520130014
Other liability items128421517187218256237335401
Total Liabilities69982202953177451,1162,0113,3034,7496,2636,7076,654
Fixed Assets -344544561438394558
Gross Block45677791223516780
Accumulated Depreciation111233469132734
CWIP11234478712161623
Investments11111100070149422802
Other Assets -64922142863087361,1041,9963,2824,6296,0596,2245,771
Trade receivables232182190453779020076
Cash Equivalents23248385832052153497101,1081,0831,6981,556
Loans n Advances386612941012361,1351,8452,534125684,152
Other asset items00-0142465745127269864,8504,45157
Total Assets69982202953177451,1162,0113,3034,7496,2636,7076,654

Cash Flows

Cash flow is the net amount of cash and cash-equivalents being transferred into and out of a business. At the most fundamental level, a company’s ability to create value for shareholders is determined by its ability to generate positive cash flows, or more specifically, maximize long-term free cash flow.

Standalone Figures in Rs. Crores

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
Cash from Operating Activity --12-27-52-5232-105-44-443-615-953-1,528718
Profit from operations610213216013022638094175227
Receivables-13-28-62-56-8-263-3260001-6
Payables107100004-415
Loans Advances0000-0-0-5-687-822-1,125-1,705506
Operating investments000000000-2000
Interest paid-5-8-16-282-54-106-177-290000
Direct taxes-0-0-2-1-1-2-10-18-33-27-5-64
Other operating items000038154272213146129650
Cash from Investing Activity --2-1-1-3-0-1-4-4-10-84-80-264
Fixed assets purchased-2-1-10-0-1-4-4-10-35-19-18
Fixed assets sold000000000000
Investments purchased00-0-300000-50-34-166
Investments sold000000100000
Acquisition of companies0000000000-27-81
Cash from Financing Activity -282811372-24269655217011,4201,39063
Proceeds from shares618490405236703570
Proceeds from borrowings25281052339229604986342,73900
Repayment of borrowings-4-1-00-630000-1,63200
Other financing items0000-000003131,03363
Net Cash Flow15059177163177476383-218516

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Ratios

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
ROE %4%5%15%4%2%4%12%18%22%5%11%19%

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Disclaimer:
All efforts have been made to ensure the information provided here is accurate as per time to time filling by company to exchanges. However, no guarantees are made regarding correctness of data. Investors are advised to validate/check information with exchanges or companies website before making any investment decisions.