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Website | http://www.satincreditcare.com | |
Market Cap | 862.34 Cr. | |
Enterprise Value(EV) | Cr. | - |
Financial Indicators | ||
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Earnings per share (EPS) | 2.76 | Trailing Twelve Months Ending 2022-03 |
Price-Earning Ratio (PE) | 41.53 | Trailing Twelve Months Ending 2022-03 |
Industry PE | 3.28 | Trailing Twelve Months Ending 2022-03 |
Book Value / Share | 210.92 | Trailing Twelve Months Ending 2022-03 |
Price to Book Value | 0.54 | Calculated using Price: 114.60 |
Dividend Yield | 0.00 | Period Ending 2021-03 |
No. of Shares Subscribed | 7.50 Cr. | 75,018,997 Shares |
FaceValue | 10 | |
Company Profile | ||
Satin Creditcare Network Limited (SCNL) is the fifth largest microfinance institution in terms of GLP with a strong presence in north India. It started its operations in 1990 as a provider of individual and small business loan and savings services to urban shopkeepers and was registered as an NBFC with the RBI in 1998 and converted into an NBFC-MFI in Nov, 2013. Its business is primarily based on the JLG Model for providing collateral free, microcredit facilities to economically active women in both rural and semi-urban areas, who otherwise have limited access to mainstream financial service providers. It also offer loans to individual businesses, loans to MSMEs, product loans for financing purchase of solar lamps and loans for development of water connection and sanitation facilities. It recently started offering IML to its clients in the JLG Model who have a credit record with it. In Dec, 2013 it entered into an agreement with Reliance Capital Limited (RCL) to provide certain services including sourcing clients for RCL for providing low-ticket size LAP with a view to leverage its rural reach. Its operations are spread across 16 states and union territories in India including Uttar Pradesh, Bihar, Madhya Pradesh, Punjab, Uttarakhand, Rajasthan, Haryana, Maharashtra, Delhi and NCR, Jharkhand, Chhattisgarh, Gujarat, West Bengal, Jammu and Kashmir, Himachal Pradesh and Chandigarh, with a focus on rural and semi-urban areas. A number of the regions in which it operates have moderate or low rates of penetration by micro finance institutions. Business and Services SCNL offers its clients income generating loan (IGL) product based on their repayment ability. These loans are given under the Joint Liability Group (JLG) lending model or on an individual lending basis. SCNL is financing the solar lanterns at affordable rates to suit the economic conditions of the villagers without any financial constraint. It also offers Water & Sanitation Loan Product. Milestones
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1 Day |
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+4.23% |
1 Week |
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+8.83% |
1 Month |
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-11.20% |
3 Month |
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+19.38% |
6 Month |
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+54.14% |
1 Year |
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+36.27% |
2 Year |
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+151.48% |
5 Year |
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-63.28% |
10 Year |
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5 years | 2017-03 | 2018-03 | 2019-03 | 2020-03 | 2021-03 | |
Return on Equity (%) | 3.95 | 9.97 | 20.17 | 12.05 | -0.96 | |
Return on Capital Employed (%) | 10.47 | 12.33 | 15.43 | 11.94 | 8.57 | |
Return on Assets (%) | 0.52 | 1.36 | 3.11 | 2.21 | -0.18 |
Particulars | 6 years | 2017-03 Rs. Cr. | 2018-03 Rs. Cr. | 2019-03 Rs. Cr. | 2020-03 Rs. Cr. | 2021-03 Rs. Cr. | 2022-03* Rs. Cr. |
Shh. Funds | 663 | 885 | 1,149 | 1,449 | 1,486 | 1,582 | |
Non Curr. Liab. | 2,028 | 4,284 | 4,791 | 5,374 | 5,933 | 5,471 | |
Curr. Liab. | 2,062 | 1,036 | 792 | 477 | 573 | 520 | |
Minority Int. | 2 | 2 | |||||
Equity & Liab. | 4,755 | 6,206 | 6,732 | 7,300 | 7,993 | 7,573 | |
Non Curr. Assets | 1,075 | 4,947 | 4,652 | 5,081 | 5,967 | 5,483 | |
Curr. Assets | 3,675 | 1,259 | 2,080 | 2,219 | 2,025 | 2,090 | |
Misc. Exp. not W/O | 5 | ||||||
Total Assets | 4,755 | 6,206 | 6,732 | 7,300 | 7,993 | 7,573 |
Particulars | 6 years | 2017-03 Rs. Cr. | 2018-03 Rs. Cr. | 2019-03 Rs. Cr. | 2020-03 Rs. Cr. | 2021-03 Rs. Cr. | 2022-03 Rs. Cr. TTM |
Net Sales | 801 | 1,032 | 1,443 | 1,501 | 1,376 | 1,381 | |
Other Income | 0 | 136 | 99 | 4 | 8 | 4 | |
Total Income | 801 | 1,168 | 1,542 | 1,505 | 1,384 | 1,385 | |
Total Expenditure | -322 | -502 | -568 | -686 | -741 | -709 | |
PBIDT | 480 | 666 | 974 | 818 | 643 | 676 | |
Interest | -436 | -536 | -646 | -589 | -638 | -626 | |
Depreciation | -6 | -15 | -13 | -18 | -15 | -16 | |
Taxation | -13 | -41 | -114 | -57 | -4 | -13 | |
Exceptional Items | |||||||
PAT | 25 | 75 | 202 | 155 | -14 | 21 | |
Minority Interest | 0 | 1 | 0 | ||||
Share Associate | |||||||
Other Related Items | |||||||
Consolidated Net Profit | 25 | 75 | 201 | 155 | -14 | 21 | |
Adjusted EPS | 6 | 15 | 39 | 28 | -2 | 3 |
Particulars | 5 years | 2017-03 Rs. Cr. | 2018-03 Rs. Cr. | 2019-03 Rs. Cr. | 2020-03 Rs. Cr. | 2021-03 Rs. Cr. |
Cash Fr. Operatn. | -966 | -1,541 | 611 | -225 | -945 | |
Cash Fr. Inv. | -36 | -55 | -187 | 56 | 226 | |
Cash Fr. Finan. | 1,398 | 1,394 | 88 | 243 | 734 | |
Net Change | 395 | -203 | 512 | 73 | 15 | |
Cash & Cash Eqvt | 663 | 453 | 966 | 1,039 | 1,054 |
Tue, 17 May 2022
Disclosure Of Related Party Transactions For The Half Year Ended March 31 2022 Satin Creditcare Network Limited has informed the Exchange about related party transaction for the period ended March 2022 |
Mon, 09 May 2022
Announcement under Regulation 30 (LODR)-Earnings Call Transcript Satin Creditcare Network Limited has informed the Exchange about Transcript of Analysts/Institutional Investor Meet/Con. Call |
Thu, 05 May 2022
Announcement under Regulation 30 (LODR)-Newspaper Publication Satin Creditcare Network Limited has informed the Exchange about Newspaper Advertisements |
Fri, 20 May 2022 |
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