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SATIN

Satin Creditcare Network Limited
Chart
₹241.39
Latest Week 2026-06-05
Financial ServicesCredit ServicesLARGE
Snapshot 2026-06-07 · 0.0w · Fresh
0.79
OS Score
76.0%
Value
6.0%
Quality
92.0%
Momentum
4/9
F-Score
0.214
QV
StrategiesValueQualityMomentumCompositeInteractionsFactor AnalysisTrendsFundamentals
Strategy Eligibility
1 of 23 passing
★
OS Composite
✗
↗
Trending Value
✗
◆
Quality × Value
✗
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
✗
◇
VC2 Cheapest
✗
📐
EBITDA/EV
✗
◐
Veiled Value
✗
▣
Piotroski Bargains
✗
🔬
Quality Compounders
✗
📈
Consistent Earners
✗
🌱
GARP
✗
🔄
Shareholder Yield
✗
💰
High Yield
✗
🚀
Momentum Leaders
12-1 35%
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
✗
🛡
Low Volatility
✗
🏷
Sector Cheapest
✗
🧠
Capital Allocators
✗
⚡
Risk-Adj Momentum
✗
V
Value Analysis
Cheapness relative to fundamentals
76.0%ile
P/E
8.0×
P/S
1.1×
P/B
0.9×
E/P
0.1251
FCF Yield
-0.083
EBITDA/EV
0.042
SH Yield
0.000
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
21.00000000
/100 — 1=cheapest
VC2 (Trending Value)
21.00000000
/100
VC3 (Buyback)
23.00000000
/100
P/E of 8.0x places this firmly in deep value territory. Negative FCF yield (-8.3%) — the business is currently cash-consumptive.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
6.0%ile
ROE
0.116
ROA
0.023
Net Margin
0.133
Op Margin
0.191
GPA
0.049
Current
350.36
F-Score
4/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.075
Earn Growth
0.785
Stability
0.948
lower=better
Accruals
0.091
lower=better
5yr Consist
No
Accruals ratio of 0.091 is elevated — earnings quality may be lower than headline numbers suggest.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
92.0%ile
6M Return
67.4%
12M Return
52.9%
12-1 Mom
34.7%
Risk-Adj
0.91
Vol 252d
38.2%
Vol 60d
82.7%
↑ Expanding
Max DD 12M
-21.6%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
12-1 momentum of 35% is very strong — a clear uptrend. Near-term vol (83%) is expanding vs long-term (38%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.79
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services · 237 peers
Sector Value %ile
76.9%
Sector Quality %ile
13.4%
P/E z-score
-0.42
P/B z-score
-0.11
Sector Avg OS
48.0%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
SymbolNameOSValueQualityMomentum
DCBBANK DCB Bank Limited 99.0% 94.0% 87.0% 86.0%
JPOLYINVST Jindal Poly Investment and Finance Company Limited 98.0% 84.0% 93.0% 89.0%
INDIANB Indian Bank 98.0% 89.0% 76.0% 90.0%
SOUTHBANK The South Indian Bank Limited 98.0% 92.0% 67.0% 93.0%
CANBK Canara Bank 97.0% 90.0% 67.0% 85.0%
BANKBARODA Bank of Baroda Limited 97.0% 94.0% 70.0% 76.0%
DHANBANK Dhanlaxmi Bank Limited 97.0% 93.0% 76.0% 74.0%
PNB Punjab National Bank 96.0% 93.0% 70.0% 71.0%
Factor Interactions
Trending Value Signal
Cheap (76th value) with strong momentum (92th). The market is starting to recognise the value.
Cheap for a Reason?
Looks cheap (76th value) but weak quality (6th). Classic value trap risk.
Volatility Expanding
60-day vol (83%) significantly exceeds 252-day (38%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
C
56.8% avg (7 factors)
Quality
D
44.0% avg (7 factors)
Momentum
A
79.8% avg (4 factors)
Risk
C
53.0% avg (1 factors)
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Factor Persistence1 snapshots
FactorCurrentStreakTrendSpark
OS Composite0.790—1—
Value %ile0.760—1—
Quality %ile0.060—1—
Momentum %ile0.920—1—
F-Score4.000—1—
Confidence0.909—1—
Volatility0.382—0—
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
7.99
Earnings Yield (E/P)
0.1251
Price / Sales
1.07
Price / Book
0.93
FCF Yield
-8.3%
EBITDA / EV
4.2%
Sales Yield (1/P·S)
0.2052
Shareholder Yield
Div + net buyback / mktcap
0.0%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
11.6%
Return on Assets
2.3%
Net Margin
13.3%
Operating Margin
19.1%
Gross Profit / Assets
Novy-Marx GPA
4.9%
Current Ratio
350.36
Accruals Ratio
(NI-OCF)/Assets — lower=better
0.091
MomentumPrice trend strength over different horizons
6M Return
67.4%
12M Return
52.9%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
34.7%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
0.91
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
7.5%
Earnings Growth (YoY)
78.5%
Earnings Stability (CV)
Lower = more stable
0.948
5yr Consistent
EPS up every year for 5 years
No
Piotroski F-Score
4
Dividend Yield
0.0%
Buyback Yield
0.0%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
21
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
21
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
23
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
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Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity