Satin Creditcare Network (NSE:SATIN) Moat Score: 0/10 (As of Jul. 18, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

NSE:SATIN Satin Creditcare Network Ltd NSE:SATIN
64 GF Score
Price ₹255.07
GF Value ₹176.91
Valuation Significantly Overvalued
! 7 Warning Signs
View Full Analysis

What is Satin Creditcare Network Moat Score?

Satin Creditcare Network has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Satin Creditcare Network has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Satin Creditcare Network might have No Moat - No discernible moat.

Satin Creditcare Network  (NSE:SATIN) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Satin Creditcare Network Moat Score Related Terms

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

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 ₹255.07 is trading 44.2% above its estimated GF Value™ of ₹176.91. GuruFocus considers Satin Creditcare Network to be Significantly Overvalued.

Key valuation signals for NSE:SATIN:

  • Moat Score: 0
  • GF Value™: ₹176.91 vs. price of ₹255.07 (44.2% 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

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

₹255.07
Price
₹176.91
GF Value