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Satin Creditcare NetworkNSE:SATIN -0.23%69 EV-to-EBIT is 20.87 as of Sep. 22, 2026, which is 31% above its 10-year median of 15.89. GuruFocus rates NSE:SATIN with a GF Score™ of 69/100 and a GF Value™ of ₹194.27 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 347 Credit Services companies, Satin Creditcare Network ranks worse than 56.48% on this metric.
This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
Satin Creditcare Network's Enterprise Value for the quarter that ended in Jun. 2026 was ₹27,035 Mil.
Satin Creditcare Network's EBIT for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹5,352 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.
Satin Creditcare Network EV-to-EBIT Related Terms
Satin Creditcare Network EV-to-EBIT 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.
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.
Satin Creditcare Network's current Enterprise Value is ₹111,707 Mil.
Satin Creditcare Network's EBIT for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹5,352 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.
Satin Creditcare Network (NSE:SATIN) has a EV-to-EBIT of 20.87 as of Sep. 22, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Satin Creditcare Network and its competitors. This is 31% above median its historical median of 15.89. According to the industry distribution chart, Satin Creditcare Network ranks #196 out of 347 companies in the Credit Services industry, placing it in the top 56.5%.
Is Satin Creditcare Network's EV-to-EBIT too high?
Satin Creditcare Network's current EV-to-EBIT of 20.87 is 31% above median its 10-year median of 15.89. The Credit Services industry median EV-to-EBIT is 18.33. Satin Creditcare Network's value of 20.87 is 13.9% above this industry median. Based on the distribution chart, Satin Creditcare Network ranks #196 out of 347 companies in the Credit Services industry, which is below the industry midpoint. Overall, Satin Creditcare Network has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Satin Creditcare Network's EV-to-EBIT compare to V and MA?
According to the Credit Services industry distribution chart, Satin Creditcare Network ranks #196 out of 347 companies for EV-to-EBIT. This places Satin Creditcare Network in the lower half of its industry. The industry median EV-to-EBIT is 18.33. Satin Creditcare Network's value of 20.87 is 13.9% above this benchmark. While the company's 10-year median is 15.89 vs. the industry median of 18.33, Satin Creditcare Network has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-EBIT for a Credit Services company?
The median EV-to-EBIT among Credit Services companies is 18.33, based on 347 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Satin Creditcare Network's current EV-to-EBIT of 20.87 is 13.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Satin Creditcare Network and its competitors. For the Credit Services industry, the median EV-to-EBIT is 18.33 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Satin Creditcare Network's current EV-to-EBIT is 20.87, which is 31% above median its own 10-year median of 15.89. 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 ₹194.27, compared to a current price of ₹221.12 — trading 13.8% above its estimated fair value. The current EV-to-EBIT is 20.87, which is 31% above median its 10-year median of 15.89 and 13.9% above the Credit Services industry median of 18.33. Satin Creditcare Network's overall GF Score™ is 69/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For Satin Creditcare Network (NSE:SATIN), the current EV-to-EBIT is 20.87 as of Sep. 22, 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 ₹221.12 is trading 13.8% above its estimated GF Value™ of ₹194.27.
GuruFocus considers Satin Creditcare Network to be Modestly Overvalued.
Key valuation signals for NSE:SATIN:
EV-to-EBIT: 20.87 (31% above median its 10-year median of 15.89)
GF Value™: ₹194.27 vs. price of ₹221.12 (13.8% above fair value)
Industry Position: 13.9% above the Credit Services median (#196 of 347)
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.
69GF Score
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