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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
Satin Creditcare Network Limited is a non-deposit accepting non-banking financial company. The Company is engaged in providing micro-finance services to women in the rural areas of India who are enrolled as members and organized as joint liability groups (JLG). Its business…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A decent business, fairly priced — but flagged on governance.
Satin Credit Net is scored on the nbfc / financials framework. It keeps a healthy 10.6% of every rupee of sales as net profit.
Book value itself has compounded 21%/yr — the hallmark of a genuine compounder. Return on equity is a healthy 16.8%. In the latest quarter profit grew 43% versus the prior quarter.
At 9× earnings, the stock sits at the 53rd percentile of its own 3.6-year range — the middle of where it has historically traded. Today's price asks for only ~-10%/yr growth over a decade — undemanding expectations. The forensic screen raises a red flag: Share count up 42% over 4 years — heavy equity dilution.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 5.45 | 26.61 | better |
| P/B | 0.91 | 1.5 | better |
| EV/EBITDA | 6.23 | — | — |
| ROE | 16.78 | 8.89 | better |
| ROCE | 12.87 | 7.07 | better |
| ROA | 3.34 | — | — |
| Quick Ratio | 3.25 | 3.59 | worse |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| Bajaj Finance | 30.6 | 5.5 | 17.6% |
| Bajaj Finserv | 13.6 | 3.5 | 12.7% |
| Shriram Finance | 17.8 | 2.0 | 11.4% |
Not applicable for this sector.
Revenue has grown every year across all 4 financial years shown. 27% CAGR over 3 years — high-growth territory. Growth is accelerating — latest year outpaced the prior year's rate.
Profit is growing faster than revenue (310% vs 27%) — margin expansion is at work. The latest year saw a +78% swing — check if it's a one-off or structural.
Operating margin has expanded from 0% to 14% — the business is keeping more of each rupee earned. The gap between operating and net margin is widening — interest or tax costs are rising.
ROE at 12% — modest; the capital isn't working hard. Capital efficiency improving — ROE up 11pp across the window.
Profit grew faster than EPS (310% vs 265%) — share dilution is eroding per-share value. 265% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
4 of 4 years had negative operating cash flow — profitability on paper may not translate to cash. Investing outflows exceed operating cash — the company relies on external funding to finance expansion.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue rose 21% sequentially — momentum is building.
Profit jumped 43% QoQ — check if this is operating leverage or a one-off item. Quarterly net margins are expanding (10% → 19%) — profitability per rupee of revenue is improving.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoters at 36.2% — dispersed ownership; institutional flows drive the stock.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.