SATIN CREDIT CARE chart

Last update: 2022-06-03
Key statistics and financials
Revenue per share 82.12
Dividend & YieldN/A₹ (N/A)
Beta 1.36
Market capitalization 8.82B
Operating cash flow 3.36B
ESG Scores unknown

Company description

Satin Creditcare Network Limited, a non-banking finance company, provides micro finance services in India. The company provides microcredit to economically active women in rural, semi-urban, and urban areas; loans to merchants, retailer, wholesaler, manufacturing, service providers, salaried, self-employed professionals, agri business, individual businesses, and micro, small, and medium enterprises; loans for income generating purposes, such as agriculture, transportation, trading, and production related business activities; loans to microfinance institutions and other corporates; financing for solar lamps, bicycles, and consumer durables, as well as development of water connection and sanitation facilities; and housing finance products. As of March 31, 2021, the company operated through a network of 1,257 branches. The company was formerly known as Satin Leasing & Finance Private Limited and changed its name to Satin Creditcare Network Limited in April 2000. Satin Creditcare Network Limited was incorporated in 1990 and is headquartered in Gurugram, India.

Sector: Financial Services - Industry: Credit Services

Financial data

Financial Statements

Cashflow Statement 2019-03-31 2020-03-31 2021-03-31 2022-03-31
Change To Liabilities -116.63M 114.95M 87.12M -39.29M
Total Cashflows From Investing Activities -1.87B 556.84M 2.26B -507.98M
Net Borrowings 881.18M 1.98B 6.47B -5.47B
Total Cash From Financing Activities 882.33M 2.43B 7.34B -4.42B
Change To Operating Activities 4.45B -3.93B -11.6B 1.62B
Issuance Of Stock 1.15M 443.77M 871.66M 1.05B
Net Income 2.01B 1.55B -139.82M 206.99M
Change In Cash 5.12B 732.36M 150.78M -1.57B
Effect Of Exchange Rate
Total Cash From Operating Activities 6.11B -2.25B -9.45B 3.36B
Depreciation 101.97M 167.07M 141.27M 157.4M
Change To Account Receivables
Other Cashflows From Financing Activities
Change To Netincome -356.05M -164.04M 2.05B 1.42B
Capital Expenditures -186.9M -200.33M -200.33M -59.35M

Income Statement 2019-03-31 2020-03-31 2021-03-31 2022-03-31
Research Development
Income Before Tax 3.16B 2.12B -97.54M 341.79M
Net Income 2.01B 1.55B -139.82M 206.99M
Selling General Administrative 3.29B 3.7B 3.55B 3.93B
Gross Profit 7.5B 7.3B 4.66B 5.74B
Ebit
Operating Income 3.19B 2.18B -122.62M 341.79M
Interest Expense
Income Tax Expense 1.14B 566.54M 42.28M 134.8M
Total Revenue 7.5B 7.3B 4.66B 5.74B
Cost Of Revenue 62.77M
Total Other Income ExpenseNet -29.59M -62.31M 25.09M
Net Income From Continuing Ops 2.01B 1.55B -139.82M 206.99M
Net Income Applicable To Common Shares 2.01B 1.55B -139.82M 206.99M

Balance Sheet Statement 2019-03-31 2020-03-31 2021-03-31 2022-03-31
Total Liabilities 55.92B 58.51B 65.59B 60.73B
Total Stockholder Equity 11.49B 14.49B 14.86B 15.82B
Other Current Liabilities 115.48M 156.03M 230.98M 169.22M
Total Assets 67.41B 73B 80.45B 76.55B
Common Stock 485.07M 516.89M 664.48M 745.91M
Other Current Assets 10.27B 7.63B 8.13B 290.29M
Retained Earnings 2.19B 3.74B 3.61B
Treasury Stock 483.63M 775.44M 402.21M 15.07B
Cash 10.25B 11.77B 11.64B 20.02B
Total Current Liabilities 29.74B 28.12B 34.13B 297.07M
Other Stockholder Equity 483.63M 775.44M 402.21M 15.07B
Property, Plant, and Equipment 607.05M 903.25M 911.67M 830.01M
Total Current Assets 66.31B 69.18B 78.42B 73.59B
Net Tangible Assets 11.13B 14.11B 14.49B 15.46B
Net Receivables 45.77B 49.72B 58.64B 53.16B
Accounts Payable 18.81M 93.21M 114.17M 127.85M


Insider Transactions

Here are the insider transactions of stock shares related to SATIN CREDIT CARE:

Filer Name Transaction Text Ownership Date Filer Relation Shares
Trishashna Holdings & Investments Pvt. Ltd.Other at price 1.09 per share.D2022-01-25Promoter11.56M
Trishashna Holdings & Investments Pvt. Ltd.Acquisition at price 0.74 per share.D2020-09-30Promoter81.04k
Trishashna Holdings & Investments Pvt. Ltd.Acquisition at price 0.72 per share.D2020-09-24Promoter49.95k
Wisteria Holdings and Investments Pvt. Ltd.Acquisition at price 0.73 per share.D2020-09-24Promoter15k
Wisteria Holdings and Investments Pvt. Ltd.Acquisition at price 0.77 per share.D2020-09-23Promoter70k
Wisteria Holdings and Investments Pvt. Ltd.Acquisition at price 0.76 per share.D2020-09-22Promoter16.87k
Kora Management, L.P.D2020-09-14Promoter2.23M
Singh (Anureet H P)I2020-09-03Promoter
SIngh (Neeti)I2020-09-03Promoter
Singh (Satvinder)I2020-09-03Promoter
Trishashna Holdings & Investments Pvt. Ltd.I2020-09-03Institution- Corporation
Wisteria Holdings and Investments Pvt. Ltd.I2020-09-03Institution- Corporation
Kataria (Jugal)Other at price 0.21 per share.D2020-09-01Chief Financial Officer40.49k
Singh (Anureet H P)Other at price 0.21 per share.D2020-09-01Promoter241.79k
SIngh (Neeti)Other at price 0.21 per share.D2020-09-01Promoter66.38k
Singh (Satvinder)Other at price 0.21 per share.D2020-09-01Promoter128.69k
Trishashna Holdings & Investments Pvt. Ltd.Other at price 0.21 per share.D2020-09-01Promoter23.95M
Wisteria Holdings and Investments Pvt. Ltd.Other at price 0.21 per share.D2020-09-01Promoter120.39k
Trishashna Holdings & Investments Pvt. Ltd.D2019-12-27Promoter152k
Trishashna Holdings & Investments Pvt. Ltd.D2019-12-26Promoter100.68k
Trishashna Holdings & Investments Pvt. Ltd.D2019-06-27Promoter1.79M
Singh (Anureet H P)D2019-06-21Promoter394.36k
Singh (H P)D2019-06-21Chairman of the Board415.12k
Trishashna Holdings & Investments Pvt. Ltd.D2019-06-21Promoter415.12k
Trishashna Holdings & Investments Pvt. Ltd.D2019-06-21Promoter1k
Trishashna Holdings & Investments Pvt. Ltd.D2019-03-11Promoter32k
Trishashna Holdings & Investments Pvt. Ltd.D2019-03-08Promoter29.17k
Trishashna Holdings & Investments Pvt. Ltd.D2019-03-05Promoter33k
Trishashna Holdings & Investments Pvt. Ltd.D2019-03-05Promoter30k
Wisteria Holdings and Investments Pvt. Ltd.D2019-03-05Institution- Corporation10.93k
Trishashna Holdings & Investments Pvt. Ltd.D2019-03-04Promoter10.71M
Trishashna Holdings & Investments Pvt. Ltd.D2019-03-01Promoter27.23k
Wisteria Holdings and Investments Pvt. Ltd.D2019-03-01Institution- Corporation15k
Trishashna Holdings & Investments Pvt. Ltd.D2019-02-28Promoter5k
Wisteria Holdings and Investments Pvt. Ltd.D2019-02-28Institution- Corporation17.18k
Wisteria Holdings and Investments Pvt. Ltd.D2019-02-27Institution- Corporation20k
Trishashna Holdings & Investments Pvt. Ltd.D2019-02-26Promoter7.5k
Wisteria Holdings and Investments Pvt. Ltd.D2019-02-26Institution- Corporation23k
Wisteria Holdings and Investments Pvt. Ltd.D2019-02-25Institution- Corporation13.89k
Trishashna Holdings & Investments Pvt. Ltd.D2019-02-22Promoter16.48k
Satin Employees Welfare TrustD2019-02-06Institution- Corporation2.4k
Satin Employees Welfare TrustD2019-02-06Institution- Corporation3.6k
Satin Employees Welfare TrustD2019-01-24Institution- Corporation274
Satin Employees Welfare TrustD2019-01-23Institution- Corporation126
Trishashna Holdings & Investments Pvt. Ltd.D2019-01-18Promoter44.02k
Trishashna Holdings & Investments Pvt. Ltd.D2019-01-17Promoter60k
Satin Employees Welfare TrustD2019-01-16Institution- Corporation400
Trishashna Holdings & Investments Pvt. Ltd.D2019-01-16Promoter86.69k
Trishashna Holdings & Investments Pvt. Ltd.D2019-01-15Promoter56k
Trishashna Holdings & Investments Pvt. Ltd.D2019-01-14Promoter13.36k
Trishashna Holdings & Investments Pvt. Ltd.D2019-01-11Promoter32.16k

Insider transaction explanations

Insider buying is the legal purchase of shares by a senior executive or director of a company. "Filer Name" corresponds to the name of the stock buyer or seller. "Transaction Text" describes the transaction. "Ownership" gives information about the transaction type. "Date" is the reported transaction date. "Filer Relation" gives the role of the insider in the company. "Shares" is the value of the transaction. You will find the complete description of the General Transaction Codes on the SEC dedicated page


Investment strategy backtesting

These are the result of three automatic investment systems applied to SATIN CREDIT CARE. You will find the performance of an systematic investment system, a momentum strategy, and a buy the dip trading strategy.


Systematic investment results on SATIN CREDIT CARE

Here is the result of two systematic investment strategies applied to SATIN CREDIT CARE. The first strategy automatically buys the first day of the month, and the second strategy buys the fifteenth day of the month.

Systematic investment equity curve on SATIN CREDIT CARE

The following chart shows the equity curve of the two systematic investment strategies applied to SATIN CREDIT CARE:

SATIN CREDIT CARE automated entries

The systematic investment strategy that buys the first day of the month would give a performance of -5.52% on the backtest period.

Performance at glance

Performance

-5.52 %

Latent gain

-140.6 ₹

Invested capital

2546.15 ₹

Annualized return

-1.31 %
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Momentum strategy results on SATIN CREDIT CARE

This is the result of two momentum investment strategies applied to SATIN CREDIT CARE. The first strategy uses a momentum signal calculated on one quarter, and the second uses a momentum signal calculated on two quarters.

Momentum entry openings on SATIN CREDIT CARE

The following chart shows all the entries opened by the momentum investment system on SATIN CREDIT CARE:

SATIN CREDIT CARE momentum entries
  • The first momentum investment strategy would give 20.2% of return on SATIN CREDIT CARE. That represents 808.6₹ of latent gain with 4002.5₹ of employed capital.
  • The second momentum investment strategy would give -2.86% of return on SATIN CREDIT CARE. That represents -107.8₹ of latent gain with 3773.4₹ of employed capital.
Performance at glance (1Q Momentum)

Performance

20.2 %

Latent gain

808.6 ₹

Invested capital

4002.5 ₹

Annualized return

0.0 %
Performance at glance (2Q Momentum)

Performance

-2.86 %

Latent gain

-107.8 ₹

Invested capital

3773.4 ₹

Annualized return

-0.76 %

Momentum equity curve on SATIN CREDIT CARE

The following chart shows the equity curve of the two momentum strategies applied to SATIN CREDIT CARE:

SATIN CREDIT CARE momentum equity

Note: the dividends potentially given by SATIN CREDIT CARE are not integrated into the calculation of the equity curve neither the performance of the strategy. The integration of the dividends will be available soon.


Employed capital on SATIN CREDIT CARE

The following chart shows the employed capital evolution of the two momentum strategies on SATIN CREDIT CARE since the beginning:

SATIN CREDIT CARE

Note: the algorithm buys for a maximum of 250$ per entry. If the stock price is greater than 250₹, the system buys only one stock per entry. The investment system stops automatically when the financial exposure reaches 10000₹.


Buy the dip strategy result on SATIN CREDIT CARE

Buy the dip entry openings on SATIN CREDIT CARE

SATIN CREDIT CARE

The performance achieved by the robo-advisor on SATIN CREDIT CARE is 0%. That represents 0.0$ of latent gain with 0.0₹ of employed capital. The following chart shows SATIN CREDIT CARE stock price with all the entries opened by the automated investment system.

Note: The blue line represents the weekly stock price of SATIN CREDIT CARE, and the green triangles represent the entry openings. The artificall robo-advisor needs at least 100 weeks of trading history to work.

Performance at glance

Performance

0 %

Latent gain

0.0 ₹

Invested capital

0.0 ₹

Annualized return

0.0 %

Equity curve of the strategy applied to SATIN CREDIT CARE

The following chart shows the result of the investment strategy applied to SATIN CREDIT CARE:

SATIN CREDIT CARE

Note: the dividends potentially given by SATIN CREDIT CARE are not integrated into the calculation of the equity curve neither the performance of the strategy. The integration of the dividends will be available soon.


Employed capital on SATIN CREDIT CARE

The following chart shows the employed capital evolution since the beginning of the investment strategy on SATIN CREDIT CARE:

SATIN CREDIT CARE

Note: the algorithm buys for a maximum of 250$ per entry. If the stock price is greater than 250$, the system buys only one stock per entry. The investment system stops automatically when the financial exposure reaches 10000$.


Investment strategies comparison on SATIN CREDIT CARE

In this section, I will compare the three previous investment strategies applied to SATIN CREDIT CARE.

Equity curve comparison on SATIN CREDIT CARE

The following chart shows the equity curve of the artificall advisor, the trend folowing and the automatic investment strategies:

SATIN CREDIT CARE investment strategy comparison

Employed capital comparison on SATIN CREDIT CARE

SATIN CREDIT CARE investment comparison

Performance comparison on SATIN CREDIT CARE

Strategy Latent Profit Growth Employed capital CAGR
Automatic investment -5.52% -140.6₹ 2546.15₹ -1.31%
Momentum 1 quarter 20.2% 808.6₹ 4002.5₹ 5.08%
Momentum 2 quarters -2.86% -107.8₹ 3773.4₹ -0.76%
Non-directional 0% 0.0₹ 0.0₹ 0.0%
Annualized return comparison

Automatic investment

-1.31 %

Momentum 1Q

-0.76 %

Momentum 2Q

-0.76 %

Non-directional

0.0 %

Correlated stocks

Here are the most positively and negatively correlated stocks with SATIN CREDIT CARE:

Positive correlations

Most correlated stocks this year


Most correlated stocks last 3 months

Negative correlation

Most negatively correlated stocks this year


Most negatively correlated stocks last 3 months

Note: The algorithm computes the probability of correlation between SATIN CREDIT CARE and the other stocks. There may be false positives or some missing correlated stocks. If the price of SATIN CREDIT CARE does not vary for 36 weeks, the correlation calculation result will be wrong.


Company information

Company name SATIN CREDIT CARE
Country India
City Gurugram
Address Plot No - 492
Phone 91 12 4471 5400
Website satincreditcare.com
FullTime employees
Industry Credit Services
Sector Financial Services
Exchange XNSE
Ticker SATIN.XNSE
Market

SATIN CREDIT CARE ESG Scores

Environment scores

Environment ESG Factors Scores
Environment Score 0
Peer Environment Performance unknown
Environment Percentile unknown
Palm Oil unknown
Nuclear unknown
Fur Leather unknown
GMO unknown
Coal unknown
Pesticides unknown
Animal Testing unknown

Social scores

Social ESG Factors Scores
Social Score 0
Peer Social Performance unknown
Social Percentile unknown
Highest Controversy unknown
Peer Highest Controversy Performance unknown
Adult unknown
Gambling unknown
Alcoholic unknown
Tobacco unknown
Catholic unknown
Controversial Weapons unknown
Small Arms unknown
Military Contract unknown
Peer Count unknown

Related Controversy:


Governance scores

Governance ESG Factors Scores
Governance Score 0
Peer Governance Performance unknown
Governance Percentile unknown

ESG at glance
Total ESG Scores: unknown
Environment Score: 0
Social Score: 0
Governance Score: 0

ESG Performance: unknown

Peer Group: unknown

Peer Esg Score Performance: unknown

Rating Year: unknown

Rating Month: unknown

Max Age: unknown

Percentile: unknown