Satin Creditcare NetworkNSE:SATIN +2.34%64 Gross Margin % is 25.36% as of Mar. 2026, which is 5% above its 10-year median of 24.17. GuruFocus rates NSE:SATIN with a GF Score™ of 64/100 and a GF Value™ of ₹179.61 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 386 Credit Services companies, Satin Creditcare Network ranks worse than 80.05% on this metric.
Warren Buffett believes that firms with excellent long term economics tend to have consistently higher margins.
Durable competitive advantage creates a high Gross Margin % because of the freedom to price in excess of cost. Companies can be categorized by their Gross Margin %
1. Greater than 40% = Durable competitive advantage
2. Less than 40% = Competition eroding margins
3. Less than 20% = no sustainable competitive advantage
Consistency of Gross Margin is key
Satin Creditcare Network had a gross margin of 25.36% for the quarter that ended in Mar. 2026 => Competition eroding margins
Be Aware
If a company loses its competitive advantages, usually its gross margin declines well before its sales declines. Watching Gross Margin % and Operating Margin % closely helps avoid value trap situations.
Satin Creditcare Network Gross Margin % Related Terms
Satin Creditcare Network Gross Margin % 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: Gross Margin % Comparison
For the Credit Services subindustry, Satin Creditcare Network's Gross Margin %, along with its competitors' market caps and Gross Margin % 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 Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Satin Creditcare Network's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Satin Creditcare Network's Gross Margin % 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.
A positive Gross Profit is only the first step for a company to make a net profit. The gross profit needs to be big enough to also cover related labor, equipment, rental, marketing/advertising, research and development and a lot of other costs in selling the products.
Satin Creditcare Network (NSE:SATIN) has a Gross Margin % of 25.36% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on Satin Creditcare Network and its competitors. This is near median its historical median of 24.17. Over the past decade, Satin Creditcare Network's Gross Margin % has ranged from 20.77 to 30.83. According to the industry distribution chart, Satin Creditcare Network ranks #309 out of 386 companies in the Credit Services industry, placing it in the top 80.1%.
Is Satin Creditcare Network's Gross Margin % too high?
Satin Creditcare Network's current Gross Margin % of 25.36% is near median its 10-year median of 24.17. Over the past 10 years, this metric has ranged from a low of 20.77 to a high of 30.83. The Credit Services industry median Gross Margin % is 51.85. Satin Creditcare Network's value of 25.36% is 51.1% below this industry median. Based on the distribution chart, Satin Creditcare Network ranks #309 out of 386 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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 Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Satin Creditcare Network ranks #309 out of 386 companies for Gross Margin %. This places Satin Creditcare Network in the lower half of its industry. The industry median Gross Margin % is 51.85. Satin Creditcare Network's value of 25.36% is 51.1% below this benchmark. Historically, Satin Creditcare Network's own Gross Margin % has ranged from 20.77 to 30.83 over the past decade. While the company's 10-year median is 24.17 vs. the industry median of 51.85, Satin Creditcare Network has consistently been below 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 Gross Margin % for a Credit Services company?
The median Gross Margin % among Credit Services companies is 51.85, based on 386 companies in the industry. Companies in the top quartile (top 25%) have a Gross Margin % significantly above this median, while those in the bottom quartile fall well below. However, Gross Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Satin Creditcare Network's current Gross Margin % of 25.36% is 51.1% below 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 Gross Margin % mean?
A high Gross Margin % can signal that a stock is expensive relative to its fundamentals. Gross margin is the ratio of total gross profit to net sales. View historical data on Satin Creditcare Network and its competitors. For the Credit Services industry, the median Gross Margin % is 51.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Satin Creditcare Network's current Gross Margin % is 25.36%, which is near median its own 10-year median of 24.17. 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 ₹179.61, compared to a current price of ₹263.29 — trading 46.6% above its estimated fair value. The current Gross Margin % is 25.36%, which is near median its 10-year median of 24.17 and 51.1% below the Credit Services industry median of 51.85. 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 Gross Margin % calculated?
Gross Margin % is calculated from a company's financial statements. For Satin Creditcare Network (NSE:SATIN), the current Gross Margin % is 25.36% 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 ₹263.29 is trading 46.6% above its estimated GF Value™ of ₹179.61.
GuruFocus considers Satin Creditcare Network to be Significantly Overvalued.
Key valuation signals for NSE:SATIN:
Gross Margin %: 25.36% (near median its 10-year median of 24.17)
GF Value™: ₹179.61 vs. price of ₹263.29 (46.6% above fair value)
Industry Position: 51.1% below the Credit Services median (#309 of 386)
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.
64GF Score
Get the complete analysis for NSE:SATIN
Gross Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NSE:SATIN has been successfully added to your 
