Satin Creditcare Network (NSE:SATIN) EBIT: ₹3,768 Mil (TTM As of Mar. 2026)


NSE:SATIN Satin Creditcare Network Ltd NSE:SATIN
64 GF Score
Price ₹245.90
GF Value ₹180.35
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Satin Creditcare Network EBIT?

Satin Creditcare Network NSE:SATIN +4.24% 64 EBIT is ₹3,768 Mil as of Mar. 2026. GuruFocus rates NSE:SATIN with a GF Score™ of 64/100 and a GF Value™ of ₹180.35 (Significantly Overvalued). The stock has 7 warning signs investors should review.

Satin Creditcare Network's earnings before interest and taxes (EBIT) for the three months ended in Mar. 2026 was ₹1,033 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Mar. 2026 was ₹3,768 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Satin Creditcare Network's annualized ROC % for the quarter that ended in Mar. 2026 was 2.61%. Satin Creditcare Network's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 324.51%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. Satin Creditcare Network's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 3.29%.


Satin Creditcare Network  (NSE:SATIN) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

Satin Creditcare Network's annualized ROC % for the quarter that ended in Mar. 2026 is calculated as:

ROC % (Q: Mar. 2026 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Dec. 2025 ) + Invested Capital (Q: Mar. 2026 ))/ count )
=4130.372 * ( 1 - 23.62% )/( (0 + 120966.116)/ 1 )
=3154.7781336/120966.116
=2.61 %

where

Invested Capital(Q: Mar. 2026 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=143867.673 - 390.941 - ( 22510.616 - max(0, 390.941 - 136971.115+22510.616))
=120966.116

Note: The Operating Income data used here is four times the quarterly (Mar. 2026) data.

2. Joel Greenblatt's definition of Return on Capital:

Satin Creditcare Network's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 is calculated as:

ROC (Joel Greenblatt) %(Q: Mar. 2026 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Dec. 2025  Q: Mar. 2026
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=4130.372/( ( (0 + max(0, 0)) + (1179.657 + max(93.15299999999, 0)) )/ 1 )
=4130.372/( ( 0 + 1272.81 )/ 1 )
=4130.372/1272.81
=324.51 %

where Working Capital is:

Working Capital(Q: Dec. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0 + 0 + 0) - (0 + 0 + 0)
=0

Working Capital(Q: Mar. 2026 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(81.392 + 0 + 402.70199999999) - (390.941 + 0 + 0)
=93.15299999999

When net working capital is negative, 0 is used.

Note: The EBIT data used here is four times the quarterly (Mar. 2026) EBIT data.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

Satin Creditcare Network's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Mar. 2026 )
=3767.765/114491.252
=3.29 %

* 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 EBIT Related Terms


Satin Creditcare Network EBIT Historical Data

* Premium members only.

The historical data trend for Satin Creditcare Network's EBIT 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 EBIT Chart

Satin Creditcare Network Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
EBIT
Get a 7-Day Free Trial Premium Member Only Premium Member Only 350.69 66.51 5,853.18 5,180.06 4,756.98

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
EBIT 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 1,080.99 1,141.54 484.82 1,108.81 1,032.59

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

For the Credit Services subindustry, Satin Creditcare Network's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Satin Creditcare Network's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where Satin Creditcare Network's EV-to-EBIT falls into.


NSE:SATIN
64GF Score
Satin Creditcare Network Ltd NSE:SATIN
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
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Satin Creditcare Network EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹3,768 Mil.

* 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.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of ₹3,768 Mil mean?
Satin Creditcare Network (NSE:SATIN) has a EBIT of ₹3,768 Mil as of Mar. 2026. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Satin Creditcare Network.
Is Satin Creditcare Network's EBIT too high?
Satin Creditcare Network's current EBIT is ₹3,768 Mil. 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 EBIT compare to V and MA?
Satin Creditcare Network's EBIT of ₹3,768 Mil 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 EBIT for a Credit Services company?
A good EBIT depends on the Credit Services industry context. However, EBIT 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 EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Satin Creditcare Network. Satin Creditcare Network's current EBIT is ₹3,768 Mil. 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 ₹180.35, compared to a current price of ₹245.90 — trading 36.3% above its estimated fair value. The current EBIT is ₹3,768 Mil. 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 EBIT calculated?
EBIT is calculated from a company's financial statements. For Satin Creditcare Network (NSE:SATIN), the current EBIT is ₹3,768 Mil 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 ₹245.90 is trading 36.3% above its estimated GF Value™ of ₹180.35. GuruFocus considers Satin Creditcare Network to be Significantly Overvalued.

Key valuation signals for NSE:SATIN:

  • EBIT: ₹3,768 Mil
  • GF Value™: ₹180.35 vs. price of ₹245.90 (36.3% 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

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

₹245.90
Price
₹180.35
GF Value