Satin Creditcare Network Limited (SATIN) 📈: отчетность и дивиденды за 2025

Capitalization

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ₹	10.58	18.81	16.37	18.28	15.11	5.76	5.72	9.56	18.99		15.17
Выручка, млрд ₹		5.52	7.82	10.31	12.1	11.46	11.91	12.54	13.26	18.6	18.6
Чистая прибыль, млрд ₹		0.5794	0.2487	-0.0269	2.01	1.55	-0.1398	0.207	0.0481	4.36	4.36
EV, млрд ₹		26.49	64.61	84.17	86.87	76.56	83.44	54.72	66.31	96.17	96.17
EBIT, млрд ₹		3.63	-6.92	-8.37	-4.26	-4.76	-4.45	-4.25	-5.55	5.85	5.85
EBITDA, млрд ₹		3.66	0.7023	0.3072	0.4236	1.94	2.98	2.47	3.78	6.08	6.08
Баланс стоимость, млрд ₹		3.24	6.63	10.89	11.49	14.49	14.86	15.82	16.28	24.01	24.01
FCF, млрд ₹		-6.24	-3.58	-13.11	5.92	-2.25	-9.65	3.3	-9.66	-20.82	-20.82
Операционный денежный поток, млрд ₹		-6.15	-3.23	-12.9	6.11	-2.25	-9.45	3.36	-9.56	-20.69	-20.69
Операционная прибыль, млрд ₹		0.8753	0.6394	0.1569	1.41	0.7733	2.04	1.45	3.6	5.82	5.82
Операционные расходы, млрд ₹		1.62	1.36	3.3	1.5	1.77	0.4328	0.9831	1.4	5.57	5.57
CAPEX, млрд ₹		0.0975	0.3498	0.2119	0.1869	0.2003	0.2003	0.0594	0.0994	0.1281	0.1281

	2015Q4	2016Q4	2017Q4	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q2	2020Q3	2020Q4	2021Q1	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
Капитализация, млрд ₹	12.36	19.96	17	11.64				12.61			3.77			5.48				11.9				24.58
Выручка, млрд ₹																3.17	3.2	3.25	3.64	4.59	4.58	5.14	6.47	3.13	5.85
Чистая прибыль, млрд ₹																-2.1	0.572	0.5871	0.986	0.8787	1.07	1.13	1.28	1.05	0.4469
EV, млрд ₹															53.87		57.96		66.95		89.83		89.7		95.23
EBIT, млрд ₹																3.16	0.1858	0.0942	0.1601	1.33	0.4975	0.6452	2.38	2.12	1.27
EBITDA, млрд ₹																3.19	0.2212	0.1332	0.2383	1.38	0.558	0.7037	2.45	2.17	1.34
Баланс стоимость, млрд ₹																15.82	14.55	14.55	16.28	16.28	19	19	24.01	24.01	25.41
FCF, млрд ₹									-0.5632	-0.5632		-0.0079			-0.0039		0.0708	0.078	0.1562	0.0874	0.121	0.117
Операционный денежный поток, млрд ₹										-0.5632		-0.0079	2.17		-0.0039		0.0708	0.078	0.1562	0.0874	0.121	0.117
Операционная прибыль, млрд ₹																3.16	0.1858	0.0942	0.1601	1.33	0.4975	0.6452	2.38	1.41	1.27
Операционные расходы, млрд ₹																0.4088	0.3511	0.314	0.3266	0.3518	0.3519	0.4368	1.5	1.72	1.76
CAPEX, млрд ₹					0.0467	0.0467	0.3019			0.0686		0.2003	0.0395		0.0594		0.0603		0.0994		0.053

	5 quarters average	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ₹			7.1	11.3	8.21	9.65	11.67	11.54	10.87	2.58	4.24	4.24
Short Term Investments ₹			-5.42	0.2045	2.2	4.23	2.81	6.78	7.34	8.57	1.05	1.05
Long term investments ₹	0.000551	0.000551	0.000551	0.2051	0.000383	0.0001
Total Receivables ₹			1.46	32.63	48.88	0.3114	0.2991	0.4937	30.53	0.2634	0.0845	0.0845
Total Current Assets ₹			26.07	36.8	39.35	56.79	43.74	49.18	49.06	74.92	60.36	60.36
Чистые активы, млрд ₹		0.1387	0.1907	0.4523	0.5407	0.6071	0.9032	0.9117	0.83	0.8682		0.8682
Активы, млрд ₹			33.03	47.77	58.44	67.53	73	80.45	76.55	78.5	104.9	104.9
Short Term Debt ₹			1.45	18.41	22.5	28.69	27.05	32.68	32.65	31.48	36.14	36.14
Long Term Debt ₹			13.33	41.13	51.61	52.71	55.42	56.57	57.44	20.4	79.15	79.15
Задолженность, млрд ₹			29.79	41.12	47.53	56.03	58.51	65.59	60.73	62.21	80.89	80.89
Чистый долг, млрд ₹			7.68	27.34	35.9	43.06	43.75	50.28	46.56	56.54	74.91	74.91
Долг, млрд ₹			14.78	59.54	74.1	81.4	82.46	89.25	90.08	59.11	79.15	79.15
Interest income ₹			2.62	4.11	5.35	6.44	5.87	0.7278	6.26	6.17
Расходы на обслуживание долга ₹			2.62	3.15	3.45	6.45	0.0188	0.011	0.0089	0.0141	0.0623	0.0623
Чист. проц. доходы, млрд ₹				-0.259	-0.201	0.6375	0.9715	0.7043	0.5321	0.4584	0.8806	6.17
Goodwill ₹		0		0.3371	0.3394	0.3371	0.3371	0.3371	0.3371	0.3371
Амортизация, млрд ₹			0.0288	7.62	8.68	4.69	6.7	7.42	6.72	9.33	0.2266	0.2266
Себестоимость, млрд ₹			0.9253	5.82	6.85	9.19	8.92	9.44	9.77	10.04	9.24	9.24
Товарно материальные запасы ₹			16.13	22.7	28.25	42.53	28.76	30.11	0.0304	63.26	1.99	1.99

	2016Q4	2017Q1	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2019Q1	2019Q3	2020Q1	2020Q3	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
Наличность, млрд ₹												11.54	10.7	10.7	10.87	10.87		6.45		2.58		5.55		12.71		9.96
Short Term Investments ₹												6.78	8.85	8.85	7.34	7.34		8.93		8.57		9.48		8.47		7.36
Long term investments ₹		0.2051	0.001		0.4965		0.9831	0.0001	6.06
Total Receivables ₹										49.72	48.72	58.64		0.0913		53.11		0.0231		0.2634		0.0443		0.0845		0.0374
Total Current Assets ₹												49.18	72.47	72.47	49.06	49.06		69.84		74.92		89.35		101.99		108.29
Чистые активы, млрд ₹								0.6071	0.8189	0.9032	0.9023	0.9117		0.8819		0.83		0.8244		0.8682		0.8917
Активы, млрд ₹												80.45	75.96	75.96	76.55	76.55		73.95		78.5		93.51		104.9		111.76
Short Term Debt ₹				38.76	22.5	44.11		28.69		27.05		32.68			32.65	32.65				31.48				36.14
Long Term Debt ₹										55.42	56.04	56.57		58.55		57.44		55.34		59.11		72.83		79.15		83.88
Задолженность, млрд ₹												65.59	62	62	60.73	60.73		59.4		62.21		74.5		80.89		86.35
Чистый долг, млрд ₹												50.28	47.85	47.85	46.56	46.56		48.89		56.54		67.27		66.44		73.92
Долг, млрд ₹					44.11			81.4		82.46		89.25				90.08		55.34		90.6		72.83		79.15		83.88
Interest income ₹													1.67	1.55	1.55	1.53	1.59	1.45	1.55	1.58	1.9	2.17
Расходы на обслуживание долга ₹	1.17	1.2		1.23	0.1827										1.43	1.43	5.96	0.5617	0.6956	1.15
Чист. проц. доходы, млрд ₹																1.53	1.59	1.45	1.55	1.58	1.9	2.17
Goodwill ₹										0.3371	0.3371	0.3371	0.3371	0.3371	0.3371	0.3371		0.3371		0.3371		0.3371
Амортизация, млрд ₹																	0.0314	0.0354	0.039	0.0781	0.0437	0.0605	0.0585	0.0639	0.0569	0.067
Себестоимость, млрд ₹																	2.59	2.39	2.49	2.58	1.9	3.27	3.63	2.58	1.04	4.09
Товарно материальные запасы ₹												30.11		-0.0913		30.47		-0.0231		63.26

	5 quarters average	CAGR 5

Share

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS				38.63	28.42	-2.17	2.72	0.5882	43.27		43.27
Цена акции ао		456.15	248.9	214.95	73.85	86.2	156.8	240.2	150.5	145.35	145.35
Число акций ао, млн	43.39	47.76	52.18	54.64	58.8	68.1	76.04	81.83	100.74		100.74
FCF/акцию	-143.9	-74.97	-251.18	108.41	-38.31	-141.68	43.43	-118.08	-206.66		-206.66

	2014Q4	2015Q4	2016Q4	2017Q4	2018Q4	2019Q4	2020Q4	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
EPS											-27.95	7.12	7.04	11.31	9.91	10.93	11.23	11.63	9.57	4.06
Цена акции ао								81.99	80.4	91.08	111.56	113.08	142.68	141.06	161.4	207.52	244.12
Число акций ао, млн	27.64	35.76	43.39	47.76	52.18	54.64	58.8		68.1				83.39				100.68
FCF/акцию		-43.65	-20.63	-68.62	28.38	-10.31							0.9356	1.79	0.9861	1.24	1.16

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %		17.88	3.75	-0.247	17.5	10.7	-0.9408	1.35	0.2999	21.64		21.64	16.86
ROA, %		1.75	0.5207	-0.046	2.98	2.12	-0.1738	0.2637	0.0621	4.75		4.75	4.25
ROIC, %	3.27	3.35	0.3853	0.003									9.45
ROS, %			3.18	-0.2609	16.63	13.52	-1.17	1.65	0.3631	23.43	23.43	23.43	54.68
ROCE, %			-104.07	-76.73	-37.1	-32.83	-29.91	-10.46	-7.09	8.71	24.38	24.38	24.78
Ebit margin, %						15.77	-7.27	-33.93	-41.9	31.46	31.46	31.46
Рентаб EBITDA, %			8.99	2.98	3.5	16.93	24.98	19.71	28.51	32.68	32.68	32.68	61.11
Чистая рентаб, %		10.49	3.18	-0.2609	16.63	13.52	-1.17	1.65	0.3631	23.43		23.43	54.68
Operation Margin, %			8.18	1.52	11.65	6.75	17.14	11.55	27.12	31.29	31.29	31.29	57.48
Доходность FCF, %	-33.05	-33.19	-21.87	-71.72	39.19	-39.13	-168.79	34.53	-50.89

	2015Q4	2016Q4	2017Q1	2017Q4	2018Q1	2018Q4	2019Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	Industry average	5 quarters average	CAGR 5
ROE, %													-13.26	3.93	4.03	6.06	5.4	6.69	6.62	6.89	5.13	2	16.86
ROA, %								0.4701	-1.06	0.1441	0.4377	0.7433		0.7734		1.26		2.28		2.44		0.7998	4.25
ROIC, %			-1.5		0.8144																		9.45
ROS, %													-66.14	17.88	18.08	27.09	19.15	23.3	21.98	19.82	33.68	7.64	54.68
ROCE, %								0.4979	14.06	5.8	0.969	-3.87		1.28		0.9836		0.5801		2.41		1.18	24.78
Ebit margin, %																		10.86	12.54	36.82	67.74	21.72
Рентаб EBITDA, %													100.51	6.91	4.1	6.55	30.04	12.18	13.68	37.8	69.56	22.87	61.11
Чистая рентаб, %													-66.14	17.88	18.08	27.09	19.15	23.3	21.98	19.82	33.68	7.64	54.68
Operation Margin, %													99.52	5.81	2.9	4.4	29.09	10.86	12.54	36.82	45.11	21.72	57.48
Доходность FCF, %	-12.63	-4.48		-19.27		12.72	-4.47								0.6558				0.4759

	Industry average	5 quarters average	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E	32.46	65.8	-679.55	7.51	3.72	-40.89	39.44	203.18	4.88		4.88	36.15
P/BV	5.81	2.47	1.68	1.31	0.3974	0.3847	0.5161	0.6006	0.8856		0.8856	3.46
P/S	3.41	2.09	1.77	1.25	0.5023	0.4799	0.6512	0.7377	1.14		1.14	11.00
P/FCF		-4.57	-1.39	2.55	-2.56	-0.5925	2.9	-1.97	-0.7286	-0.7286	-0.7286	9.34
E/P		0.0152	-0.0015	0.1331	0.2692	-0.0245	0.0216	0.0025	0.2874	0.2874	0.2874	0.39
EV/EBITDA	7.25	92	274.02	205.09	39.45	28.04	22.15	17.55	15.82		15.82	160.46
EV/EBIT					26.29	-64.1	-12.86	-11.94	16.43	16.43	16.43
EV/S		8.27	8.16	7.18	6.68	7	4.37	5	5.17	5.17	5.17	13.51
EV/FCF		-18.05	-6.42	14.67	-33.98	-8.65	16.57	-6.86	-4.62	-4.62	-4.62	11.90
Debt/EBITDA		84.78	241.24	192.18	42.5	30	36.46	15.64	13.02	13.02	13.02	139.52
Netdebt/Ebitda		38.93	116.88	101.65	22.55	16.9	18.85	14.96	12.32	12.32	12.32	-122.79
Debt/Ratio		1.25	1.27	1.21	1.13	1.11	1.18	0.7531	0.7545	0.7545	0.7545	0.30
Debt/Equity		8.99	6.81	7.08	5.69	6.01	5.69	3.63	3.3	91.17	91.17	271.23
Debt/Net Income		239.37	-2755.27	40.46	53.21	-638.34	435.21	1228.16	18.16	18.16	18.16	13.96
Бета								1.13	5.27	0.2689	0.2689	0.94
Индекс Альтмана		0.6405	0.5774	0.5186	0.3815	0.3638	0.4347	0.6281	0.477	0.6835	0.6835	0.33

	2015Q4	2016Q4	2017Q3	2017Q4	2018Q1	2018Q4	2019Q1	2019Q4	2020Q1	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2025Q1	Industry average	5 quarters average	CAGR 5
P/E															36.46		-14.95	20.27	-48.19	4.82	5.89	5.83	4.83	5.4	5.3		36.15
P/BV										0.2513				0.3923	0.4622		0.6236	0.8177	0.6399		1.19	1.29	0.9688		0.8385		3.46
P/S																0.5079	0.6719	3.66	0.7341	0.9903	1.29	1.32	1.01	1.27	1.01		11.00
P/FCF	-7.92	-22.3		-5.19		7.86		-22.38										152.49				210.12					9.34
E/P	0.0121	0.0085		0.0127		0.0614		0.0371		-0.2127				0.0612				0.0493				0.046					0.39
EV/EBITDA															-58		17.4		17.72		79.03		17.64		14.3		160.46
EV/EBIT																					180.55		37.66		74.92
EV/S																					19.61		13.87		16.27		13.51
EV/FCF																					742.37						11.90
Debt/EBITDA					48.92		-69.33		50.14		773.2				-157.36		250.2		380.23		130.51		32.37		62.68		139.52
Netdebt/Ebitda											435.53	23.92	56.38	240.18	-81.33		221.05		237.28		120.56		27.17		55.24		-122.79
Debt/Ratio			0.4006		0.7548		1.21		1.13		1.11				1.18				1.15		0.7789		0.7545		0.7505		0.30
Debt/Equity			2.71		4.05		7.08		5.69		6.01				5.69				5.56		3.83		3.3		3.3		271.23
Debt/Net Income			173.37		100.13		144.17		630.41		236.01				158.32				91.88		68.21		61.73		187.68		13.96
Бета																										0.2689	0.94
Индекс Альтмана																										0.6835	0.33

	Industry average	5 quarters average	CAGR 5

Dividends

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	0.0244	0.0244	0.0062	0.0294
Дивиденд					0
Див доход, ао, %					0	1.40
Дивиденды / прибыль, %	7.71	4.22	2.49	-109.41	0	18.33

	2016Q4	2017Q1	2017Q2	2017Q4	2018Q1	2018Q2	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд	0.0015	0.0015	0.0015	0.0074	0.0074	0.0074
Дивиденды / прибыль, %	0.9141	-0.359	-0.194	3.4	1.67	2.7	18.33

	Industry average	5 quarters average	CAGR 5

Other

IFRS

Reporting Annual

	2023	2024	CAGR 5
Персонал, чел	9222	9222

	CAGR 5

	CAGR 5

Investing Port

NSE: SATIN - Satin Creditcare Network Limited

Reporting Satin Creditcare Network Limited

Capitalization

Balance sheet

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Efficiency

Coefficients

Dividends

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