SATIN CREDIT NET LTD — valuation model

SATIN CREDIT NET LTDSATINFinance

₹332per share · Base Model Note

Revenue growth, the horizon and scenarios are yours to change. Every other input is part of the Trader plan; saving, sharing a saved link and the live-formula workbook are part of the Institutional plan.

Scenario

Inputslive

Template

SATIN CREDIT NET LTD is a lender: the loans it makes run through its cash flow, so free cash flow to the firm does not measure it. It is valued on the excess-return template: book equity earning your ROE over the cost of equity.

These inputs are part of the Trader plan; on your plan they stay at the figures shown. See plans

Book equity today

0FY26 filed 2,8683,000

Return on equity

0FY26 as filed40

Dividend payout

0FY26 as filed100

Book equity earns your ROE; what is not paid out compounds the book.

Value per share, your model₹332implied P/B 1.27× on FY26 book

Against CMP ₹216.67+53.2%close of 2026-09-10

Cost of equity10.42%risk-free + beta × equity risk premium

Book equity, FY26₹260per share · excess returns add ₹71

This figure is the arithmetic of your inputs and nothing else. MarketPing publishes no fair value, target or rating; the model is yours.

Excess-return schedule · ₹ crore · book equity earns your ROE; value is book plus the returns above the cost of equity

₹ crore	FY27	FY28	FY29	FY30	FY31
Opening book equity	2,868	3,201	3,572	3,986	4,449
Net income at 11.6% ROE	333	371	414	462	516
Cost of equity charge at 10.42%	(299)	(333)	(372)	(415)	(463)
Excess return	34	38	42	47	53
Present value	32	33	33	33	34
Closing book equity	3,201	3,572	3,986	4,449	4,965

Book equity today	2,868
PV of 5 years of excess return	165
PV of the terminal excess return, 5% flat	622
add non-operating investments	0
Equity value	3,655
÷ 11.01 crore shares	₹332

Where the methods land · ₹ per share · the dashed line is the CMP

52-week rangetraded range, a fact not a value

₹136₹274

Scenarios side by side · ₹ per share

Scenario	Template	Growth	Margin	Rate	Terminal	₹ / share	vs CMP
Base · editing	Excess return	ROE 11.6%	—	10.42%	5%	₹332	53.2%

A scenario is a full set of inputs under a name. Keep Base as the filed history carried forward; add Bull and Bear by saving the current inputs under those names and moving the two or three assumptions you actually hold a view on. The distribution above draws each driver between the lowest and highest value across your scenarios, so three scenarios give it a real range; with one scenario it falls back to fixed bands.