Satin Creditcare Network (NSE:SATIN) E10: ₹21.82 (As of Mar. 2026)


NSE:SATIN Satin Creditcare Network Ltd NSE:SATIN
64 GF Score
Price ₹254.80
GF Value ₹180.04
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Satin Creditcare Network E10?

Satin Creditcare Network NSE:SATIN -1.88% 64 E10 is ₹21.82 as of Mar. 2026. GuruFocus rates NSE:SATIN with a GF Score™ of 64/100 and a GF Value™ of ₹180.04 (Significantly Overvalued). The stock has 7 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Satin Creditcare Network's adjusted earnings per share data for the three months ended in Mar. 2026 was ₹14.730. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ₹21.82 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Satin Creditcare Network's average E10 Growth Rate was 5.10% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

As of today (2026-07-04), Satin Creditcare Network's current stock price is ₹254.80. Satin Creditcare Network's E10 for the quarter that ended in Mar. 2026 was ₹21.82. Satin Creditcare Network's Shiller PE Ratio of today is 11.68.

During the past 13 years, the highest Shiller PE Ratio of Satin Creditcare Network was 14.18. The lowest was 6.50. And the median was 7.63.


Satin Creditcare Network  (NSE:SATIN) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Satin Creditcare Network's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=254.80/21.82
=11.68

* 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.

During the past 13 years, the highest Shiller P/E Ratio of Satin Creditcare Network was 14.18. The lowest was 6.50. And the median was 7.63.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Satin Creditcare Network E10 Related Terms


Satin Creditcare Network E10 Historical Data

* Premium members only.

The historical data trend for Satin Creditcare Network's E10 can be seen below:

* 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.

Satin Creditcare Network E10 Chart

Satin Creditcare Network Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 19.89 20.76 21.82

Satin Creditcare Network Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 20.76 20.81 20.95 21.06 21.82

NSE:SATIN vs V, MA, AXP: E10 Comparison

For the Credit Services subindustry, Satin Creditcare Network's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Satin Creditcare Network's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Satin Creditcare Network's Shiller PE Ratio falls into.


NSE:SATIN
64GF Score
Satin Creditcare Network Ltd NSE:SATIN
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Satin Creditcare Network E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Satin Creditcare Network's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=14.73/164.2724*164.2724
=14.730

Current CPI (Mar. 2026) = 164.2724.

Satin Creditcare Network Quarterly Data

per share eps CPI Adj_EPS
201606 7.212 105.961 11.181
201609 7.662 105.961 11.878
201612 3.896 105.196 6.084
201703 -12.233 105.196 -19.103
201706 -20.466 107.109 -31.389
201709 17.122 109.021 25.799
201712 9.957 109.404 14.951
201803 7.943 109.786 11.885
201806 5.358 111.317 7.907
201809 8.842 115.142 12.615
201812 13.685 115.142 19.524
201903 10.818 118.202 15.034
201906 7.652 120.880 10.399
201909 9.930 123.175 13.243
201912 8.550 126.235 11.126
202003 2.310 124.705 3.043
202006 2.340 127.000 3.027
202009 2.580 130.118 3.257
202012 -13.620 130.889 -17.094
202103 6.920 131.771 8.627
202106 -11.970 134.084 -14.665
202109 1.640 135.847 1.983
202112 4.920 138.161 5.850
202203 8.040 138.822 9.514
202206 -27.950 142.347 -32.255
202209 7.120 144.661 8.085
202212 7.040 145.763 7.934
202303 12.850 146.865 14.373
202306 9.910 150.280 10.833
202309 10.850 151.492 11.765
202312 11.230 152.924 12.063
202403 11.740 153.035 12.602
202406 9.570 155.789 10.091
202409 4.060 157.882 4.224
202412 1.300 158.323 1.349
202503 1.990 157.552 2.075
202506 4.100 159.755 4.216
202509 4.830 162.289 4.889
202512 6.540 163.281 6.580
202603 14.730 164.272 14.730

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of ₹21.82 mean?
Satin Creditcare Network (NSE:SATIN) has a E10 of ₹21.82 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Satin Creditcare Network and its competitors.
Is Satin Creditcare Network's E10 too high?
Satin Creditcare Network's current E10 is ₹21.82. Overall, Satin Creditcare Network has a GF Score™ of 64/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Satin Creditcare Network's E10 compare to V and MA?
Satin Creditcare Network's E10 of ₹21.82 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Credit Services company?
A good E10 depends on the Credit Services industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Satin Creditcare Network and its competitors. Satin Creditcare Network's current E10 is ₹21.82. 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 Significantly Overvalued. The stock's GF Value™ is ₹180.04, compared to a current price of ₹254.80 — trading 41.5% above its estimated fair value. The current E10 is ₹21.82. Satin Creditcare Network's overall GF Score™ is 64/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Satin Creditcare Network (NSE:SATIN), the current E10 is ₹21.82 as of Mar. 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 ₹254.80 is trading 41.5% above its estimated GF Value™ of ₹180.04. GuruFocus considers Satin Creditcare Network to be Significantly Overvalued.

Key valuation signals for NSE:SATIN:

  • E10: ₹21.82
  • GF Value™: ₹180.04 vs. price of ₹254.80 (41.5% above fair value)
  • GF Score™: 64/100 with 7 warning signs

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 Business Description

Other Exchanges 539404:India
Address Plot No. 492, Udyog Vihar, Phase -III, Gurugram, HR, IND, 122016
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.
64GF Score

Get the complete analysis for NSE:SATIN

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹254.80
Price
₹180.04
GF Value