Satin Creditcare Peer Comparison

NSE: SATIN | BSE: 539404

₹225.02

₹-2.04 (-0.90%)

As on 27-Aug-2026 10:59IST

Market cap

₹2,503 Cr

Revenue (TTM)

₹3,217 Cr

P/E Ratio

6.1

P/B Ratio

0.8

Div. Yield

0 %

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	Satin Creditcare	Five-Star Business	Muthoot Microfin	Fusion Fin	Spandana Sphoorty
Market cap (₹ Cr)	2,503	15,097	3,709	3,325	2,181
Revenue (₹ Cr)	3,217	3,260	2,480	1,714	1,007
Net Profit (₹ Cr)	409.76	1,103.84	245.42	168.51	-327.01
Net Margin (%)	12.68	33.52	9.85	9.66	-30.69
RoE (%)	14.94	15.56	8.83	7.70	-15.01
Price to Earnings	6.11	13.68	15.11	19.73	--
Price-To-Book	0.84	1.98	1.27	1.34	1.04

Income Statement (₹ Cr)

	Satin Creditcare	Five-Star Business	Muthoot Microfin	Fusion Fin	Spandana Sphoorty
Operating Income	3,217.00	3,260.43	2,479.58	1,714.42	1,007.42
Other Income	15.77	33.10	12.67	30.82	58.01
Total Income	3,164.33	3,245.97	2,395.49	1,761.29	1,694.90
Interest Expense	1,327.65	721.40	911.44	539.67	486.70
PBT & Exceptional Items	567.19	1,507.85	352.75	100.65	-412.48
Operating Expenses	1,337.93	1,064.28	1,228.06	1,104.92	991.21
Exceptional Income/Expenses	0.00	0.00	0.00	0.00	0.00
Profit before Tax	535.17	1,469.81	309.75	91.73	-427.00
Taxes	125.42	365.97	64.33	-76.78	-99.99
Profit after Tax	409.76	1,103.84	245.42	168.51	-327.01
Minority Interest	0.00	0.00	0.00	0.00	0.06
Share of Associate	0.00	0.00	0.00	0.00	0.00
Consolidated Profit	409.76	1,103.84	245.42	168.51	-326.95

	Satin Creditcare	Five-Star Business	Muthoot Microfin	Fusion Fin	Spandana Sphoorty
Shareholder's Funds	2,863.40	7,380.15	2,854.31	2,455.93	2,129.39
Minority Interest	0.00	0.00	0.00	0.00	0.06
Non-Current Liabilities	100.47	71.48	26.12	34.65	58.00
Current Liabilities	11,418.78	8,338.10	9,804.37	5,804.22	4,058.80
Total Liabilities	14,378.00	15,789.74	12,684.81	8,294.80	6,246.38

	Satin Creditcare	Five-Star Business	Muthoot Microfin	Fusion Fin	Spandana Sphoorty
Non-Current Assets	175.08	189.83	117.84	107.60	741.58
Current Assets	14,143.51	15,501.67	12,380.67	8,148.73	5,345.91
Total Assets	14,378.00	15,789.74	12,684.81	8,294.80	6,246.38
Contingent Liabilities	25.87	0.28	0.50	4.55	56.08

	Satin Creditcare	Five-Star Business	Muthoot Microfin	Fusion Fin	Spandana Sphoorty
Cash From Operating Activities	-973.81	-264.28	-580.33	1,146.25	882.47
Cash Flow from Investing Activities	-122.93	228.38	-41.39	12.17	164.76
Cash from Financing Activities	1,873.34	157.06	625.62	-66.63	-1,513.71
Net Cash Inflow / Outflow	776.60	121.15	3.90	1,091.79	-466.48

	Satin Creditcare	Five-Star Business	Muthoot Microfin	Fusion Fin	Spandana Sphoorty
ROCE (%)	12.15	14.79	9.44	6.28	-5.77
ROE (%)	14.94	15.56	8.83	7.70	-15.01
ROA (%)	3.16	7.31	2.09	2.03	-4.44
EBIT Margin (%)	57.42	66.19	48.74	35.03	0.17
Net Margin (%)	12.68	33.52	9.85	9.66	-30.69
Cash Profit Margin (%)	0.00	0.00	0.00	0.00	0.00

	Satin Creditcare	Five-Star Business	Muthoot Microfin	Fusion Fin	Spandana Sphoorty
Revenue Growth (%)	20.97	9.84	0.93	-18.06	-48.30
EBIT Growth (%)	52.76	1.46	155.20	242.71	100.15
Net Profit Growth (%)	225.34	1.53	174.47	113.15	77.46
EPS Growth (%)	225.35	1.14	174.47	108.43	80.95
Book Value Growth (%)	12.51	17.35	8.42	49.91	-18.89

	Satin Creditcare	Five-Star Business	Muthoot Microfin	Fusion Fin	Spandana Sphoorty
Price / Earnings	6.12	13.75	14.84	19.80	-6.71
Price / Book Value	0.84	1.99	1.25	1.35	1.05
Dividend Yield (%)	0.00	0.39	0.00	0.00	0.00
EV/EBITDA	6.03	9.71	9.76	11.43	297.85
Market Cap (₹ Cr)	1,543.23	10,409.34	2,454.40	2,226.60	1,479.01

	Satin Creditcare	Five-Star Business	Muthoot Microfin	Fusion Fin	Spandana Sphoorty
Debt to Equity	0.00	0.00	0.00	0.00	0.00
Short term debt to equity ratio	1.89	0.35	1.85	1.31	1.24
Current Ratio	1.24	1.86	1.26	1.40	1.32
Quick Ratio	1.24	1.86	1.26	1.40	1.32
Interest Coverage	1.40	3.04	1.34	1.17	0.12

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.