Satin Creditcare Network Ltd.

Financial

	Satin Creditcare	Finkurve Financial	Arman Financial Serv
Operational Metrics
NBFC
Gross NPA	3.7 %	n/a	3.5 %
AUM - NBFC	12499.0 Crs	n/a	2156.0 Crs
Capital to Risks Assets Ratio (CRAR)	26.0 %	57.07 %	n/a
Cost To Income Ratio	49.57 %	n/a	44.0 %
Net NPA	1.4 %	n/a	0.5 %
Number of Clients - NBFC	33.0 Lacs	n/a	n/a
Retail
Average Ticket Size	56000.0 Rs	n/a	n/a
Financials
5 yr Average ROE	5.23 %	7.37 %	14.71 %
5yr average Equity Multiplier	4.77	4.01	4.5
5yr Average Asset Turnover Ratio	0.2	1.28	0.24
5yr Avg Net Profit Margin	5.49 %	13.72 %	14.89 %
5yr Avg Net Profit Margin	5.49 %	13.72 %	14.89 %
5yr CAGR Net Profit	n/a	58.52 %	37.43 %
5yr CAGR Sales	13.58 %	-28.16 %	30.12 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	0.63	10.1	1.82
P/E	12.7	88.17	256.78
Shareholdings
Promoter Holding	36.17 %	62.07 %	22.05 %
Share Pledged by Promoters	0.0	19.04 %	0.0
Change in Promoter Holding (3 Yrs)	-0.52 %	9.21 %	-5.34 %
Change in Mutual Fund Holding (3 Yrs)	-2.37 %	0.0	2.08 %

Business

	Satin Creditcare	Finkurve Financial	Arman Financial Serv
Product Wise Break-Up	Product Wise Break-Up Interest income 87.6 Gain from derecognition of financial instrument 4.61 Fees and Commission 0.7 Dividend Income 0 MSME 0 Service/ Trade (ex. MSME) 0 Production 0 Agri/ Allied Activities 0 Fee and Commission 0 Remittance Bank Charses Received 0 Income from forex services 0 0 Gain on Assignment of Financial Assets 0 0 nbfc 0 Others 7.09	Product Wise Break-Up Income from forex services 0 Production 0 MSME 0 Agri/ Allied Activities 0 0 nbfc 0 Interest income 0 Interest Income 66.7 0 Service/ Trade (ex. MSME) 0 Remittance Bank Charses Received 0 Fees and Commission 0 Gain on Assignment of Financial Assets 0 Fee and Commission 33.19 Dividend Income 0 Others 0.11	Product Wise Break-Up Income from forex services 0 Production 0 MSME 0 Agri/ Allied Activities 0 NBFC 92.55 nbfc 0 Interest income 0 0 0 Service/ Trade (ex. MSME) 0 Remittance Bank Charses Received 0 Fees and Commission 0 NBFC 2.26 Fee and Commission 0 Dividend Income 0 Others 5.19
Borrowing Break-Up - NBFC	Borrowing Break-Up - NBFC Loan From Banks 71.76 External Commercial Borrowings 14.85 Liability against securitized assets 10.25 Liability against leased assets 0.34 0 Banks 0 Commercial paper 0 Non-convertible debentures 0 Others 2.8	-	-
Location Wise Break-Up	Location Wise Break-Up Uttar Pradesh 26.9 Bihar 14.6 Punjab 6.6 Madhya Pradesh 6.6 West Bengal 6.2 Rajasthan 5.7 NCR 5.6 Assam 3.9 Haryana 3.6 Pondicherry 0 Tripura 0 Karnataka 0 Tamil Nadu 0 Chhattisgarh 0 Jharkhand 0 Maharashtra 0 Gujarat 0 India 0 Others 20.3	Location Wise Break-Up Madhya Pradesh 0 NCR 0 Tripura 0 Maharashtra 0 Assam 0 Tamil Nadu 0 Pondicherry 0 Bihar 0 Uttar Pradesh 0 Karnataka 0 Jharkhand 0 Haryana 0 West Bengal 0 India 100.0 Gujarat 0 Chhattisgarh 0 Punjab 0 Rajasthan 0	Location Wise Break-Up Madhya Pradesh 15.0 NCR 0 Tripura 0 Maharashtra 4.0 Assam 0 Tamil Nadu 0 Pondicherry 0 Bihar 11.0 Uttar Pradesh 22.0 Karnataka 0 Jharkhand 0 Haryana 0 West Bengal 0 India 0 Gujarat 30.0 Chhattisgarh 0 Punjab 0 Rajasthan 10.0 Others 8.0
AUM Break-Up - NBFC	AUM Break-Up - NBFC MFI Lending 85.89 Housing Finance 7.69 MSME 6.17 Business Correspondence 0.25 SFL 0 TFSL - Business Correspondence 0 Product Financing 0 2-wheeler loans 0 MSME loans 0 Microfinance 0	-	AUM Break-Up - NBFC MFI Lending 0 MSME 0 Housing Finance 0 SFL 0 Microfinance Services 74.5 2 Wheeler Loans 3.5 Business Correspondence 0 Product Financing 0 Small & Medium Enterprises (SME) loans 20.2 TFSL - Business Correspondence 0 Others 1.8

Satin Creditcare Network Ltd.

Satin Creditcare Network Ltd.

SIGN UP FOR FREE