Satin Creditcare Network Limited
Satin Creditcare Network Limited, a non-banking finance company, provides micro finance services in India. The company offers microcredit to economically active women in rural, semi-urban, and urban regions; loans for income generating purposes, such as agriculture, transportation, trading, and production related business activities; water and sanitation loans; loans for clean energy and various … Read more
Satin Creditcare Network Limited (SATIN) - Net Assets
Latest net assets as of September 2025: ₹26.21 Billion INR
Based on the latest financial reports, Satin Creditcare Network Limited (SATIN) has net assets worth ₹26.21 Billion INR as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (₹128.51 Billion) and total liabilities (₹102.30 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | ₹26.21 Billion |
| % of Total Assets | 20.4% |
| Annual Growth Rate | 28.66% |
| 5-Year Change | 71.1% |
| 10-Year Change | 684.82% |
| Growth Volatility | 31.1 |
Satin Creditcare Network Limited - Net Assets Trend (2013–2025)
This chart illustrates how Satin Creditcare Network Limited's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Satin Creditcare Network Limited (2013–2025)
The table below shows the annual net assets of Satin Creditcare Network Limited from 2013 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-03-31 | ₹25.43 Billion | +5.92% |
| 2024-03-31 | ₹24.01 Billion | +47.46% |
| 2023-03-31 | ₹16.28 Billion | +2.93% |
| 2022-03-31 | ₹15.82 Billion | +6.44% |
| 2021-03-31 | ₹14.86 Billion | +2.59% |
| 2020-03-31 | ₹14.49 Billion | +26.03% |
| 2019-03-31 | ₹11.49 Billion | +5.37% |
| 2018-03-31 | ₹10.91 Billion | +64.07% |
| 2017-03-31 | ₹6.65 Billion | +105.20% |
| 2016-03-31 | ₹3.24 Billion | +62.42% |
| 2015-03-31 | ₹1.99 Billion | +38.11% |
| 2014-03-31 | ₹1.44 Billion | +16.81% |
| 2013-03-31 | ₹1.24 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to Satin Creditcare Network Limited's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 6320.4% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (March 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | ₹6.51 Billion | 25.61% |
| Common Stock | ₹1.10 Billion | 4.33% |
| Other Components | ₹17.81 Billion | 70.06% |
| Total Equity | ₹25.43 Billion | 100.00% |
Satin Creditcare Network Limited Competitors by Market Cap
The table below lists competitors of Satin Creditcare Network Limited ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
HomeToGo SE
XETRA:HTG
|
$90.87 Million |
|
Akva Group
OL:AKVA
|
$90.90 Million |
|
First Keystone Corp
PINK:FKYS
|
$90.93 Million |
|
Alfas Solar Enerji Sanayi ve Ticaret A.S.
IS:ALFAS
|
$90.94 Million |
|
Aydem Yenilenebilir Enerji AS
IS:AYDEM
|
$90.84 Million |
|
Westwood Holdings Group Inc
NYSE:WHG
|
$90.82 Million |
|
Arise AB
LSE:0MFA
|
$90.82 Million |
|
Ugro Capital Limited
NSE:UGROCAP
|
$90.79 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Satin Creditcare Network Limited's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 24,008,483,000 to 25,428,631,000, a change of 1,420,148,000 (5.9%).
- Net income of 1,861,260,000 contributed positively to equity growth.
- Other comprehensive income decreased equity by 195,919,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | ₹1.86 Billion | +7.32% |
| Other Comprehensive Income | ₹-195.92 Million | -0.77% |
| Other Changes | ₹-245.19 Million | -0.96% |
| Total Change | ₹- | 5.92% |
Book Value vs Market Value Analysis
This analysis compares Satin Creditcare Network Limited's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.63x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 2.16x to 0.63x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2013-03-31 | ₹67.11 | ₹144.78 | x |
| 2014-03-31 | ₹58.33 | ₹144.78 | x |
| 2015-03-31 | ₹72.30 | ₹144.78 | x |
| 2016-03-31 | ₹105.66 | ₹144.78 | x |
| 2017-03-31 | ₹178.52 | ₹144.78 | x |
| 2018-03-31 | ₹237.04 | ₹144.78 | x |
| 2019-03-31 | ₹220.70 | ₹144.78 | x |
| 2020-03-31 | ₹262.44 | ₹144.78 | x |
| 2021-03-31 | ₹239.72 | ₹144.78 | x |
| 2022-03-31 | ₹208.02 | ₹144.78 | x |
| 2023-03-31 | ₹198.95 | ₹144.78 | x |
| 2024-03-31 | ₹238.31 | ₹144.78 | x |
| 2025-03-31 | ₹231.16 | ₹144.78 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Satin Creditcare Network Limited utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 7.32%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 8.28%
- • Asset Turnover: 0.19x
- • Equity Multiplier: 4.56x
- Recent ROE (7.32%) is below the historical average (8.67%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2013 | 3.15% | 8.45% | 0.06x | 6.03x | ₹-84.67 Million |
| 2014 | 10.77% | 8.16% | 0.17x | 7.77x | ₹11.14 Million |
| 2015 | 15.90% | 9.85% | 0.16x | 10.08x | ₹117.67 Million |
| 2016 | 17.88% | 10.49% | 0.17x | 10.20x | ₹255.40 Million |
| 2017 | 3.75% | 3.18% | 0.16x | 7.21x | ₹-413.86 Million |
| 2018 | 6.93% | 7.86% | 0.16x | 5.37x | ₹-334.60 Million |
| 2019 | 17.50% | 16.63% | 0.18x | 5.87x | ₹862.50 Million |
| 2020 | 10.70% | 13.52% | 0.16x | 5.04x | ₹101.04 Million |
| 2021 | -0.94% | -1.17% | 0.15x | 5.41x | ₹-1.63 Billion |
| 2022 | 1.31% | 1.65% | 0.16x | 4.84x | ₹-1.37 Billion |
| 2023 | 0.30% | 0.38% | 0.16x | 4.82x | ₹-1.58 Billion |
| 2024 | 18.16% | 23.43% | 0.18x | 4.37x | ₹1.96 Billion |
| 2025 | 7.32% | 8.28% | 0.19x | 4.56x | ₹-681.60 Million |
Industry Comparison
This section compares Satin Creditcare Network Limited's net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $3,621,595,776
- Average return on equity (ROE) among peers: 14.36%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Satin Creditcare Network Limited (SATIN) | ₹26.21 Billion | 3.15% | 3.90x | $90.85 Million |
| Akme Fintrade India Ltd (AFIL) | $3.82 Billion | 8.69% | 0.77x | $14.54 Million |
| Arman Financial Services Limited (ARMANFIN) | $196.82 Million | 15.55% | 2.31x | $97.80 Million |
| Baid Finserv Limited (BAIDFIN) | $1.30 Billion | 5.85% | 1.62x | $4.85 Million |
| Capital Trust Limited (CAPTRUST) | $93.80 Million | 16.46% | 2.19x | $586.90K |
| Capri Global Capital Limited (CGCL) | $1.53 Billion | 67.12% | 0.54x | $555.03 Million |
| Cholamandalam Financial Holdings Limited (CHOLAHLDNG) | $8.02 Billion | 8.68% | 3.62x | $1.74 Billion |
| Capital India Finance Limited (CIFL) | $6.56 Billion | -6.33% | 1.73x | $2.98K |
| CP Capital Limited (CPCAP) | $5.46 Billion | 6.99% | 0.14x | $4.60 Million |
| CREDITACCESS GRAMEEN LIMITED (CREDITACC) | $6.91 Billion | 10.89% | 4.16x | $724.43 Million |
| CSL Finance Limited (CSLFINANCE) | $2.33 Billion | 9.66% | 0.43x | $19.61 Million |