Satin Creditcare Network (NSE:SATIN) ROCE %: 2.88% (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 ROCE %?

Satin Creditcare Network NSE:SATIN +4.24% 64 ROCE % is 2.88% 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.

ROCE % measures how well a company generates profits from its capital. It is calculated as EBIT divided by Capital Employed, where Capital Employed is calculated as Total Assets minus Total Current Liabilities. Satin Creditcare Network's annualized ROCE % for the quarter that ended in Mar. 2026 was 2.88%.

Satin Creditcare Network  (NSE:SATIN) ROCE % Explanation

ROCE % can be especially useful when comparing the performance of capital-intensive companies. Unlike ROE %, which indicates the profitability of Shareholders Equity, ROCE % also considers long-term debt in Capital Employed. This can be helpful when analyzing companies with significant debt, as the result is neutralized by taking debt into consideration.

Generally speaking, a higher ROCE % indicates a stonger profitability for a company. Moreover, it is important to look at the ratio from a long term perspective. Investors tend to favor companies with stable and rising ROCE % trend over those with volatile ones.

Satin Creditcare Network ROCE % Related Terms

Satin Creditcare Network ROCE % Historical Data

* Premium members only.

The historical data trend for Satin Creditcare Network's ROCE % 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 ROCE % Chart

Satin Creditcare Network Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
ROCE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.83 0.16 10.52 7.66 4.50

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
ROCE % 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 6.36 6.71 1.51 3.46 2.88
NSE:SATIN
64GF Score
Satin Creditcare Network Ltd NSE:SATIN
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Satin Creditcare Network ROCE % Calculation

Satin Creditcare Network's annualized ROCE % for the fiscal year that ended in Mar. 2026 is calculated as:

ROCE %=EBIT/( (Capital Employed+Capital Employed)/ count )
(A: Mar. 2026 )  (A: Mar. 2025 )(A: Mar. 2026 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(A: Mar. 2026 )  (A: Mar. 2025 )(A: Mar. 2026 )
=4756.976/( ( (115869.962 - 47834.88) + (143867.673 - 390.941) )/ 2 )
=4756.976/( (68035.082+143476.732)/ 2 )
=4756.976/105755.907
=4.50 %

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

ROCE %=EBIT (1)/( (Capital Employed+Capital Employed)/ count )
(Q: Mar. 2026 )  (Q: Dec. 2025 )(Q: Mar. 2026 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(Q: Mar. 2026 )  (Q: Dec. 2025 )(Q: Mar. 2026 )
=4130.372/( ( (0 - 0) + (143867.673 - 390.941) )/ 1 )
=4130.372/( ( 0 + 143476.732 )/ 1 )
=4130.372/143476.732
=2.88 %

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

Frequently Asked Questions Learn more about ROCE % →
What does a ROCE % of 2.88% mean?
Satin Creditcare Network (NSE:SATIN) has a ROCE % of 2.88% as of Mar. 2026.
Is Satin Creditcare Network's ROCE % too high?
Satin Creditcare Network's current ROCE % is 2.88%. The Credit Services industry median ROCE % is 3.47. Satin Creditcare Network's value of 2.88% is 16.9% below this industry median. 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 ROCE % compare to V and MA?
Satin Creditcare Network's ROCE % of 2.88% can be compared against companies in the Credit Services industry. The industry median ROCE % is 3.47. Satin Creditcare Network's value of 2.88% is 16.9% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for a Credit Services company?
The median ROCE % among Credit Services companies is 3.47, based on 416 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Satin Creditcare Network's current ROCE % of 2.88% is 16.9% 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 ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median ROCE % is 3.47 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Satin Creditcare Network's current ROCE % is 2.88%. 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 ROCE % is 2.88% and 16.9% below the Credit Services industry median of 3.47. 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 ROCE % calculated?
ROCE % is calculated from a company's financial statements. For Satin Creditcare Network (NSE:SATIN), the current ROCE % is 2.88% 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:

  • ROCE %: 2.88%
  • GF Value™: ₹180.35 vs. price of ₹245.90 (36.3% above fair value)
  • GF Score™: 64/100 with 7 warning signs
  • Industry Position: 16.9% below the Credit Services median

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

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

₹245.90
Price
₹180.35
GF Value