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A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Satin Creditcare Network's Debt-to-EBITDA or its related term are showing as below:
NSE:SATIN'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 13.01 Med: 40.53 Max: 962.37
Current: 21.06
During the past 13 years, the highest Debt-to-EBITDA Ratio of Satin Creditcare Network was 962.37. The lowest was 13.01. And the median was 40.53.
NSE:SATIN's Debt-to-EBITDA is ranked worse than 77.82% of 284
companies
in the Credit Services industry
Industry Median: 8.565
vs NSE:SATIN: 21.06
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Satin Creditcare Network Debt-to-EBITDA Related Terms
Satin Creditcare Network Debt-to-EBITDA Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
NSE:SATIN vs V, MA, AXP: Debt-to-EBITDA Comparison
For the Credit Services subindustry, Satin Creditcare Network's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Satin Creditcare Network Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Satin Creditcare Network's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Satin Creditcare Network's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Jun. 2026) EBITDA data.
Satin Creditcare Network (NSE:SATIN) has a Debt-to-EBITDA of 0.00 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Satin Creditcare Network. Over the past decade, Satin Creditcare Network's Debt-to-EBITDA has ranged from 13.01 to 962.37. According to the industry distribution chart, Satin Creditcare Network ranks #221 out of 284 companies in the Credit Services industry, placing it in the top 77.8%.
Is Satin Creditcare Network's Debt-to-EBITDA too high?
Satin Creditcare Network's current Debt-to-EBITDA is 0.00. Over the past 10 years, this metric has ranged from a low of 13.01 to a high of 962.37. Based on the distribution chart, Satin Creditcare Network ranks #221 out of 284 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Satin Creditcare Network has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Satin Creditcare Network's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Satin Creditcare Network ranks #221 out of 284 companies for Debt-to-EBITDA. This places Satin Creditcare Network in the lower half of its industry. The industry median Debt-to-EBITDA is 8.57. Historically, Satin Creditcare Network's own Debt-to-EBITDA has ranged from 13.01 to 962.37 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Credit Services company?
The median Debt-to-EBITDA among Credit Services companies is 8.57, based on 284 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Satin Creditcare Network. For the Credit Services industry, the median Debt-to-EBITDA is 8.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Satin Creditcare Network's current Debt-to-EBITDA is 0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Satin Creditcare Network stock overvalued right now?
Based on GuruFocus' analysis, Satin Creditcare Network (NSE:SATIN) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹194.03, compared to a current price of ₹216.94 — trading 11.8% above its estimated fair value. The current Debt-to-EBITDA is 0.00. Satin Creditcare Network's overall GF Score™ is 68/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Satin Creditcare Network (NSE:SATIN), the current Debt-to-EBITDA is 0.00 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Satin Creditcare Network (NSE:SATIN) Overvalued in 2026?
Based on GuruFocus' analysis, Satin Creditcare Network stock appears to be overvalued.
The current stock price of ₹216.94 is trading 11.8% above its estimated GF Value™ of ₹194.03.
GuruFocus considers Satin Creditcare Network to be Modestly Overvalued.
Key valuation signals for NSE:SATIN:
Debt-to-EBITDA: 0.00
GF Value™: ₹194.03 vs. price of ₹216.94 (11.8% above fair value)
No single metric tells the full story. See the NSE:SATIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Satin Creditcare Network Ltd is a micro-finance company based in India. Its core services are non-banking financial services. The company also offers loans to individual businesses; loans to micro, small and medium enterprises, product loans for financing the purchase of solar lamps, bicycles, and consumer durables, and loans for the development of water connections and sanitation facilities. Geographically, it operates only in India. The Company operates in a single reportable segment i.e. financing which has similar risks and returns. The Company derives its maximum revenues from financing activities and its customers are widespread.
68GF Score
Get the complete analysis for NSE:SATIN
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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