Satin Creditcare Intrinsic Value
SATIN Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹231.84 | ₹185.47 - ₹278.21 | +58.6% | EPS: ₹19.32, Sector P/E: 12x |
| Book Value Method | asset | ₹184.95 | ₹166.45 - ₹203.44 | +26.5% | Book Value/Share: ₹231.18, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹288.00 | ₹259.20 - ₹316.80 | +97.0% | Revenue/Share: ₹288.00, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹292.40 | ₹263.16 - ₹321.64 | +100.0% | EBITDA: ₹1676.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹123.65 | ₹111.29 - ₹136.02 | -15.4% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹159.20 | ₹143.28 - ₹175.12 | +8.9% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹192.73 | ₹173.46 - ₹212.00 | +31.8% | ROE: 8.3%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹317.01 | ₹285.31 - ₹348.71 | +116.8% | EPS: ₹19.32, BVPS: ₹231.18 |
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Valuation Comparison Chart
SATIN Intrinsic Value Analysis
What is the intrinsic value of SATIN?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of Satin Creditcare (SATIN) is ₹231.84 (median value). With the current market price of ₹146.20, this represents a +58.6% variance from our estimated fair value.
The valuation range spans from ₹123.65 to ₹317.01, indicating ₹123.65 - ₹317.01.
Is SATIN undervalued or overvalued?
Based on our multi-method analysis, Satin Creditcare (SATIN) appears to be trading below calculated value by approximately 58.6%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.20 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 8.3% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 53.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.27x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for Satin Creditcare
Additional stock information and data for SATIN
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹-563 Cr | ₹-586 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹-2,069 Cr | ₹-2,081 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹-956 Cr | ₹-993 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹336 Cr | ₹311 Cr | Positive Free Cash Flow | 8/10 |
| March 2021 | ₹-945 Cr | ₹-945 Cr | Negative Cash Flow | 3/10 |