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Satin Creditcare Network has been growing its revenues and asset by 39.3% and 26.9% a year on average in the last 3 years. Its loans and deposits have grown by 25.5% and % a year during that time and loans to deposits ratio reached at the end of 2018. The company achieved an average return on equity of 11.5% in the last three years with net profit growing 51.4% a year on average. In terms of operating efficiency, its cost to income ratio reached 54.7% in 2018, compared to 64.3% average in the last three years.
Equity represented 17.0% of total assets or 25.3% of loans at the end of 2018. Satin Creditcare Network's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2018.
Satin Creditcare Network stock traded at INR 363 per share at the end of 2018 resulting in a market capitalization of USD 254 mil. Over the previous three years, stock price rose by 1.29% or 0.429% a year on average. That’s compared to an average ROE of 11.5% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 8.80x and price to book value (PBV) of 1.54x in 2018.
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