CreditAccess Grameen vs Spandana Sphoorty Financial vs Satin Creditcare Network: Which Stock Should You Track
- September 23, 2026
- Posted by: Harsh Piplani
- Category: Market
CreditAccess Grameen PE 17.99, mkt cap Rs 21,782 crore. Spandana Sphoorty Financial PE NA, mkt cap Rs 2,015 crore. Satin Creditcare Network PE 5.97, mkt cap Rs 2,446 crore.
Quick Answer
CreditAccess Grameen vs Spandana Sphoorty Financial vs Satin Creditcare Network is a side-by-side comparison of three companies from the Microfinance space. On this comparison, CreditAccess Grameen carries a market capitalisation of about Rs 21,782 crore against Rs 2,015 crore for Spandana Sphoorty Financial and Rs 2,446 crore for Satin Creditcare Network, with return on equity of 9.92%, -32.83% and 11.60% respectively. Each company’s numbers are presented here without a declared better pick, since the right stock depends on an investor’s own criteria.
CreditAccess Grameen vs Spandana Sphoorty Financial vs Satin Creditcare Network starts with the core numbers most investors compare within the Microfinance segment: market capitalisation, valuation multiples, profitability and dividend yield. Figures below are sourced as of September 2026 and will shift with daily price moves.
All three names sit in the Microfinance bucket, which makes them a natural set to place side by side rather than a random trio of unrelated businesses.
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CreditAccess Grameen, Spandana Sphoorty Financial and Satin Creditcare Network: Company Overview
CreditAccess Grameen is a listed Indian company in the Microfinance space, tracked here on book value, return ratios and valuation alongside its peers in this comparison.
Spandana Sphoorty Financial is a listed Indian company in the Microfinance space, tracked here on book value, return ratios and valuation alongside its peers in this comparison.
Satin Creditcare Network is a listed Indian company in the Microfinance space, tracked here on book value, return ratios and valuation alongside its peers in this comparison.
CreditAccess Grameen vs Spandana Sphoorty Financial vs Satin Creditcare Network: Valuation and Profitability Snapshot
| Metric | CreditAccess Grameen | Spandana Sphoorty Financial | Satin Creditcare Network |
|---|---|---|---|
| Market Cap (approx.) | Rs 21,782 crore | Rs 2,015 crore | Rs 2,446 crore |
| PE Ratio (TTM) | 17.99 | NA | 5.97 |
| PB Ratio | 2.78 | 0.94 | 0.85 |
| Return on Equity (ROE) | 9.92% | -32.83% | 11.60% |
| EPS (TTM, Rs) | 75.45 | -36.89 | 37.09 |
| Dividend Yield | 0.00% | 0.00% | 0.00% |
| Debt to Equity | 3.01 | 1.85 | 3.84 |
| Book Value per Share (Rs) | 488.68 | 241.21 | 259.24 |
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On valuation, CreditAccess Grameen trades at a PE of 17.99 and a PB of 2.78, Spandana Sphoorty Financial at a PE of NA and a PB of 0.94, while Satin Creditcare Network trades at a PE of 5.97 and a PB of 0.85. On return on equity, the three post 9.92%, -32.83% and 11.60% respectively, and on dividend yield they stand at 0.00%, 0.00% and 0.00%.
CreditAccess Grameen vs Spandana Sphoorty Financial vs Satin Creditcare Network: Latest Quarterly Results
| Company | Latest Quarter Revenue | Latest Quarter Net Profit | YoY Change (Revenue) | QoQ Change (Revenue) |
|---|---|---|---|---|
| CreditAccess Grameen | Rs 1,784.41 crore | Rs 493.39 crore | +21.9% | +11.6% |
| Spandana Sphoorty Financial | Rs 303.22 crore | Rs 11.88 crore | -0.3% | +9.4% |
| Satin Creditcare Network | Rs 764.75 crore | Rs 122.65 crore | +8.0% | -17.1% |
Quarterly figures above are the most recent reported quarter for each company (Q1 FY28, quarter ended June 2026), compared with the year-ago and preceding quarter.
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What Should Investors Look at Beyond These Numbers?
Beyond the metrics above, investors comparing these three microfinance names should track quarter-on-quarter revenue and margin trends, management commentary on demand and cost drivers, and any sector-specific regulatory developments, since a single-quarter snapshot can shift quickly.
Conclusion
CreditAccess Grameen vs Spandana Sphoorty Financial vs Satin Creditcare Network highlights how differently three companies in the same microfinance segment can score across valuation, profitability and dividend metrics, even when operating in a similar space. This comparison does not declare a winner; investors should weigh these figures against their own research and risk appetite. Please read the disclaimer below before making any investment decision.
Disclaimer: Data and figures in this article are sourced from publicly available information as of September 2026 and may not reflect real-time prices. Please verify all data independently before making any investment decision. This comparison does not recommend or endorse any single stock over another; investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).
FAQs on CreditAccess Grameen vs Spandana Sphoorty Financial vs Satin Creditcare Network
What is the market cap difference between CreditAccess Grameen, Spandana Sphoorty Financial and Satin Creditcare Network?
Ans. As of September 2026, CreditAccess Grameen has a market cap of approximately Rs 21,782 crore, Spandana Sphoorty Financial is at approximately Rs 2,015 crore, and Satin Creditcare Network is at approximately Rs 2,446 crore.
Which of the three has the highest PE ratio?
Ans. Among CreditAccess Grameen, Spandana Sphoorty Financial and Satin Creditcare Network, the PE ratios stand at 17.99, NA and 5.97 respectively as of September 2026.
Which of the three has the highest ROE?
Ans. CreditAccess Grameen, Spandana Sphoorty Financial and Satin Creditcare Network post ROE of 9.92%, -32.83% and 11.60% respectively as of September 2026.
Which of these three stocks pays the highest dividend yield?
Ans. CreditAccess Grameen, Spandana Sphoorty Financial and Satin Creditcare Network carry dividend yields of 0.00%, 0.00% and 0.00% respectively.
What is the debt to equity ratio for CreditAccess Grameen, Spandana Sphoorty Financial and Satin Creditcare Network?
Ans. CreditAccess Grameen carries a debt to equity of 3.01, Spandana Sphoorty Financial of 1.85, and Satin Creditcare Network of 3.84.
Which of the three trades at the highest price to book value?
Ans. CreditAccess Grameen, Spandana Sphoorty Financial and Satin Creditcare Network trade at price to book ratios of 2.78, 0.94 and 0.85 respectively.
Is one of CreditAccess Grameen, Spandana Sphoorty Financial or Satin Creditcare Network better than the others?
Ans. This comparison does not declare one stock better than another; each company scores differently across valuation, profitability and dividend metrics, and the right fit depends on an individual investor’s own criteria and research.
