Satin Creditcare Network Limited (SATIN) - Net Assets

Latest as of September 2025: Rs26.21 Billion INR ≈ $283.48 Million USD

Based on the latest financial reports, Satin Creditcare Network Limited (SATIN) has net assets worth Rs26.21 Billion INR (≈ $283.48 Million USD) as of September 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (Rs128.51 Billion ≈ $1.39 Billion USD) and total liabilities (Rs102.30 Billion ≈ $1.11 Billion USD). 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. Check asset resilience ratio of Satin Creditcare Network Limited to evaluate the company's liquid asset resilience ratio.

Key Net Assets Metrics

Metric	Value
Current Net Assets	Rs26.21 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. Also explore SATIN total asset value for the complete picture of this company's asset base.

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. For live valuation and market cap data, see Satin Creditcare Network Limited stock valuation.

Year	Net Assets	Change
2025-03-31	Rs25.43 Billion ≈ $275.00 Million	+5.92%
2024-03-31	Rs24.01 Billion ≈ $259.64 Million	+47.46%
2023-03-31	Rs16.28 Billion ≈ $176.08 Million	+2.93%
2022-03-31	Rs15.82 Billion ≈ $171.07 Million	+6.44%
2021-03-31	Rs14.86 Billion ≈ $160.72 Million	+2.59%
2020-03-31	Rs14.49 Billion ≈ $156.67 Million	+26.03%
2019-03-31	Rs11.49 Billion ≈ $124.31 Million	+5.37%
2018-03-31	Rs10.91 Billion ≈ $117.97 Million	+64.07%
2017-03-31	Rs6.65 Billion ≈ $71.90 Million	+105.20%
2016-03-31	Rs3.24 Billion ≈ $35.04 Million	+62.42%
2015-03-31	Rs1.99 Billion ≈ $21.57 Million	+38.11%
2014-03-31	Rs1.44 Billion ≈ $15.62 Million	+16.81%
2013-03-31	Rs1.24 Billion ≈ $13.37 Million	--

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	Rs6.51 Billion	25.61%
Common Stock	Rs1.10 Billion	4.33%
Other Components	Rs17.81 Billion	70.06%
Total Equity	Rs25.43 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
Utah Medical Products Inc NASDAQ:UTMD	$209.56 Million
Nilkamal Limited NSE:NILKAMAL	$209.57 Million
Simplex Infrastructures Limited NSE:SIMPLEXINF	$209.62 Million
Akwel SA PA:AKW	$209.70 Million
Wah Hong Industrial TWO:8240	$209.52 Million
Axiom Intelligence Acquisition Corp 1 Class A Ordinary Shares NASDAQ:AXIN	$209.50 Million
Maha Energy AB (publ) ST:MAHA-A	$209.42 Million
Priner Serviços Industriais S.A SA:PRNR3	$209.35 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	Rs1.86 Billion	+7.32%
Other Comprehensive Income	Rs-195.92 Million	-0.77%
Other Changes	Rs-245.19 Million	-0.96%
Total Change	Rs-	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: 0.76x
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 2.62x to 0.76x 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	Rs67.11	Rs176.16	x
2014-03-31	Rs58.33	Rs176.16	x
2015-03-31	Rs72.30	Rs176.16	x
2016-03-31	Rs105.66	Rs176.16	x
2017-03-31	Rs178.52	Rs176.16	x
2018-03-31	Rs237.04	Rs176.16	x
2019-03-31	Rs220.70	Rs176.16	x
2020-03-31	Rs262.44	Rs176.16	x
2021-03-31	Rs239.72	Rs176.16	x
2022-03-31	Rs208.02	Rs176.16	x
2023-03-31	Rs198.95	Rs176.16	x
2024-03-31	Rs238.31	Rs176.16	x
2025-03-31	Rs231.16	Rs176.16	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	Rs-84.67 Million
2014	10.77%	8.16%	0.17x	7.77x	Rs11.14 Million
2015	15.90%	9.85%	0.16x	10.08x	Rs117.67 Million
2016	17.88%	10.49%	0.17x	10.20x	Rs255.40 Million
2017	3.75%	3.18%	0.16x	7.21x	Rs-413.86 Million
2018	6.93%	7.86%	0.16x	5.37x	Rs-334.60 Million
2019	17.50%	16.63%	0.18x	5.87x	Rs862.50 Million
2020	10.70%	13.52%	0.16x	5.04x	Rs101.04 Million
2021	-0.94%	-1.17%	0.15x	5.41x	Rs-1.63 Billion
2022	1.31%	1.65%	0.16x	4.84x	Rs-1.37 Billion
2023	0.30%	0.38%	0.16x	4.82x	Rs-1.58 Billion
2024	18.16%	23.43%	0.18x	4.37x	Rs1.96 Billion
2025	7.32%	8.28%	0.19x	4.56x	Rs-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: $36,896,520,071
Average return on equity (ROE) among peers: 9.93%

Peer Company Comparison

Company	Net Assets	Return on Equity	Debt-to-Equity	Market Cap
Satin Creditcare Network Limited (SATIN)	Rs26.21 Billion	3.15%	3.90x	$209.54 Million
Akme Fintrade India Ltd (AFIL)	$1.30 Billion	0.00%	2.50x	$41.31 Million
Arman Financial Services Limited (ARMANFIN)	$392.47 Million	15.69%	2.49x	$169.77 Million
Baid Finserv Limited (BAIDFIN)	$108.03 Million	5.96%	2.17x	$19.08 Million
Bajaj Finance Limited (BAJFINANCE)	$48.00 Billion	18.71%	5.84x	$62.99 Billion
Capri Global Capital Limited (CGCL)	$13.83 Billion	9.81%	2.09x	$1.94 Billion
Cholamandalam Investment and Finance Company Limited (CHOLAFIN)	$195.93 Billion	17.46%	7.00x	$14.26 Billion
Cholamandalam Financial Holdings Limited (CHOLAHLDNG)	$39.31 Billion	10.79%	6.73x	$3.16 Billion
CREDITACCESS GRAMEEN LIMITED (CREDITACC)	$69.56 Billion	7.64%	3.00x	$2.25 Billion
CSL Finance Limited (CSLFINANCE)	$983.69 Million	13.27%	0.12x	$55.14 Million
DCM Financial Services Limited (DCMFINSERV)	$-453.82 Million	0.00%	0.00x	$1.13 Million

About Satin Creditcare Network Limited

NSE:SATIN India Credit Services

Market Cap

$209.54 Million

Rs19.38 Billion INR

Market Cap Rank

#16364 Global

#829 in India

Share Price

Rs176.16

Change (1 day)

-2.92%

52-Week Range

Rs134.08 - Rs181.45

All Time High

Rs690.20