Satin Creditcare Intrinsic Value
Satin Creditcare (SATIN) median intrinsic value is ₹450.18 from 8 valuation models (range ₹209–₹675), vs current price ₹225.09 — +100.0% upside (Trading Below Calculated Value), margin of safety 50.0%. Analyse SATIN FII DII holdings to track promoter, FII and institutional holdings.
SATIN Valuation Methods Summary — DCF, Graham Number & P/E
Satin Creditcare intrinsic value across 8 models vs current price ₹225.09 — upside/downside and value range per method. Read SATIN dividend growth for the complete payout history and dividend yield track record.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹675.27 | ₹540.22 - ₹810.32 | +200.0% | EPS: ₹58.92, Sector P/E: 12x |
| Book Value Method | asset | ₹208.58 | ₹187.72 - ₹229.44 | -7.3% | Book Value/Share: ₹260.73, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹334.18 | ₹300.76 - ₹367.60 | +48.5% | Revenue/Share: ₹334.18, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹450.18 | ₹405.16 - ₹495.20 | +100.0% | EBITDA: ₹2396.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹377.09 | ₹339.38 - ₹414.80 | +67.5% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹485.50 | ₹436.95 - ₹534.05 | +115.7% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹450.18 | ₹405.16 - ₹495.20 | +100.0% | ROE: 22.6%, P/E Multiple: 16x |
| Graham Defensive Method | conservative | ₹521.45 | ₹469.31 - ₹573.60 | +131.7% | EPS: ₹58.92, BVPS: ₹260.73 |
SATIN Intrinsic Value vs Market Price — All Valuation Models
Satin Creditcare fair value range ₹209–₹675 vs current market price ₹225.09 across 8 valuation models. For current market price and key ratios, visit SATIN share price screener.
SATIN Intrinsic Value Analysis — Undervalued or Overvalued?
Satin Creditcare median intrinsic value ₹450.18, current price ₹225.09 — Trading Below Calculated Value by 100.0%, margin of safety 50.0%.
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 ₹450.18 (median value). With the current market price of ₹225.09, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹208.58 to ₹675.27, indicating ₹208.58 - ₹675.27.
Is SATIN undervalued or overvalued?
Based on our multi-method analysis, Satin Creditcare (SATIN) appears to be trading below calculated value by approximately 100.0%.
SATIN Financial Health — Key Ratios vs Industry Benchmarks
Satin Creditcare financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.25 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 22.6% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 65.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.26x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
SATIN Cash Flow Quality — Operating & Free Cash Flow
Satin Creditcare operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2026 | ₹-974 Cr | ₹-1,036 Cr | Negative Cash Flow | 3/10 |
| March 2025 | ₹-563 Cr | ₹-586 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹-2,069 Cr | ₹-2,083 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 |