Satin Creditcare Network Share Price Target 2026: Stock Analysis, Share Price Today, Bull Case and Bear Case After Q1 FY27

Satin Creditcare Network Rs 228.35 (6 Oct 2026 close). 52-week range Rs 135.81 to Rs 274.14. Q1 FY27 profit Rs 122.65 cr, up 172%; AUM Rs 15,935 cr, up 27%.

The Satin Creditcare Network share price target for 2026 is Rs 218 to Rs 277 in the Univest base case, with the stock at Rs 228.35 at the 6 October 2026 close. That is 16.7 percent below its 52-week high of Rs 274.14 and 68.1 percent above its 52-week low of Rs 135.81, and the stock moved up 55.0 percent over the past year. Satin Creditcare Network is a microfinance lender with subsidiaries in housing finance and small business loans, serving over 34 lakh clients through more than 2,000 branches. Debt to equity is 3.84 and the company pays no dividend.

Three things changed since the last update: Q1 FY27 results on 31 July showed profit up 172 percent, the promoters approved a Rs 100 crore equity infusion through warrants, and the stock swung between Rs 200 and Rs 239 in the week of 5 October. This Satin Creditcare Network stock analysis covers the Satin Creditcare Network share price today, the Satin Creditcare Network share price target for 2026, 2027 and 2030, the Q1 FY27 numbers, catalysts and risks, key price levels and a Satin Creditcare Network buy or sell view.

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What Is the Satin Creditcare Network Share Price Target for 2026?

The 2026 target for Satin Creditcare Network shares is Rs 218 to Rs 277 in the Univest base case, which is -4.5% to +21.3% against the last close. The bull case is Rs 354 to Rs 416 and the bear case is Rs 106 to Rs 134. No brokerage price target was available on the sources we track as of 6 October 2026, so every range below is a Univest research scenario. Analyst consensus is used as a cross-check, not as the base.

Satin Creditcare Network Share Price Target Scenarios: Bull Case, Base Case and Bear Case

Scenario	FY28E EPS	Target Multiple	Price Target (Rs)	Move vs Rs 228.35
Bull Case	Rs 52	6.8x to 8x	354 to 416	+55.0% to +82.2%
Base Case	Rs 42	5.2x to 6.6x	218 to 277	-4.5% to +21.3%
Bear Case	Rs 28	3.8x to 4.8x	106 to 134	-53.6% to -41.3%

FY28 EPS of Rs 42 in the base case compares with trailing EPS of Rs 37.09 and assumes AUM growth near 22 percent with credit cost near 2.5 to 3 percent. Microfinance lenders trade at 5 to 7 times earnings, and the stock trades at about 5.4 times the base estimate. The PE multiple used for each case is shown in the table, and the EPS estimate is a Univest assumption, not company guidance. Those assumptions set the Satin Creditcare Network share price target range around the current price.

Satin Creditcare Network Company Overview and Share Price Today as of 6 October 2026

Satin Creditcare Network share price today is Rs 228.35 on the NSE at the 6 October 2026 close, before the market opens on 7 October. The market capitalisation is Rs 2,524 crore, and the stock trades at 6.2 times earnings against an industry average of 17.8 times. The Univest base case Satin Creditcare Network share price target of Rs 218 to Rs 277 is -4.5% to +21.3% from here. The table below sets out the key numbers behind the Satin Creditcare Network share price target.

Parameter	Value	Context
NSE Ticker	SATIN	BSE code 539404
Sector	Microfinance NBFC	Per Univest sector classification
Last Close (NSE)	Rs 228.35	6 Oct 2026 close
52-Week High	Rs 274.14	CMP is 16.7% below
52-Week Low	Rs 135.81	CMP is 68.1% above
1-Year Return	About +55%	Weekly close Rs 147.33 on 10 Oct 2025 to Rs 228.35
Market Capitalisation	Rs 2,524 crore	Small cap microfinance lender
Trailing P/E	About 6.2x	Industry P/E about 17.80x
P/B Ratio	About 0.88x	Book value Rs 259.24 per share
EPS (TTM)	Rs 37.09	Trailing twelve months
Return on Equity	About 11.6%	Debt to equity 3.84
Dividend Yield	Nil	No dividend
12-Month Target (Base Case)	Rs 218 to Rs 277	Univest base case
Bull Case	Rs 354 to Rs 416	+55.0% to +82.2%
Bear Case	Rs 106 to Rs 134	-53.6% to -41.3%

Track live price, fundamentals and results for Satin Creditcare Network on the Univest Screener.

How Did Satin Creditcare Network Perform in Q1 FY27?

Satin Creditcare Network reported Q1 FY27 consolidated profit of Rs 122.65 crore, up 172 percent from Rs 45.1 crore, on consolidated AUM of Rs 15,935 crore, up 27 percent. Standalone profit was Rs 120 crore, up 182 percent. Together these Q1 FY27 numbers anchor the Satin Creditcare Network share price target.

Metric	Q1 FY27	Context
Consolidated Profit	Rs 122.65 crore	Up 172% from Rs 45.1 crore
Consolidated AUM	Rs 15,935 crore	Up 27% YoY; up 5% QoQ
Disbursements	Rs 3,495 crore	Up 56% YoY
Standalone NIM	14.36%	Up over 120 bps YoY
Standalone GNPA	2.2%	Against 3.7% a year ago; net NPA 0.3%
Standalone ROA and ROE	3.55% and 15.1%	Strong return ratios

Management raised its FY27 AUM growth target to 20 to 25 percent, implying Rs 18,200 to Rs 18,900 crore by March 2027. Satin Housing Finance has AUM of Rs 1,263 crore and Satin Finserv Rs 1,360 crore, up 134 percent, and the non-microfinance share is 19 percent against a 30 percent target for 2030. The FY27 outlook from management is the main input for these estimates. These numbers sit behind every range in the scenario table above, so they anchor the Satin Creditcare Network share price target.

Why Is Satin Creditcare Share Price Up 55 Percent in a Year?

Satin Creditcare shares are up about 55 percent in a year and 68 percent from the Rs 135.81 low of the week of 8 December 2025. Profit recovered as microfinance stress eased, with the stock jumping 21 percent in the week of 4 May and 11 percent in the week of 1 June.

It touched Rs 274.14 in the week of 27 July after Q1 results, then fell 10.8 percent that week and drifted to Rs 210 in September. In the week of 5 October it dipped to Rs 200.07 on 67 lakh shares and recovered, closing the session at Rs 228.35, 17 percent below the high. The Satin Creditcare Network share price target scenarios below account for that move.

Key Catalysts for the Satin Creditcare Network Share Price Target in 2026

4 catalysts matter most for the Satin Creditcare Network share price target, and sector tailwinds in Microfinance NBFC are part of the case. Together they decide whether the base case is reached.

1. AUM Growth

AUM grew 27 percent to Rs 15,935 crore. The FY27 target of Rs 18,200 to Rs 18,900 crore implies more growth. If it plays out, the Satin Creditcare Network share price target moves toward the top of the base range.

2. Asset Quality

Standalone GNPA fell to 2.2 percent from 3.7 percent. Lower stress cuts credit cost. Strength here would support the upper end of the Satin Creditcare Network share price target.

3. Diversification

Satin Finserv AUM rose 134 percent and the non-microfinance share is 19 percent. Diversification lowers microfinance risk. Delivery on this point keeps the Satin Creditcare Network share price target on track.

4. Promoter Infusion

The promoters plan to put in Rs 100 crore at a 17 percent premium through warrants. This shows commitment and adds capital. Better news here would lift the Satin Creditcare Network share price target toward the bull case.

What Are the Key Risks to the Satin Creditcare Network Share Price Target?

The main risks are microfinance stress, heavy borrowing, regulatory change and price swings. Each can pull the Satin Creditcare Network share price target lower.

Microfinance Stress

The sector has seen rising defaults before. A return of stress would lift credit cost above 3 percent. If it materialises, the Satin Creditcare Network share price target would slip toward the bear case.

Heavy Borrowing

Debt to equity is 3.84. Funding cost changes hit margin quickly. This is the main downside risk to the Satin Creditcare Network share price target.

Regulatory Change

Microfinance rules on pricing and lending limits can change. New rules could slow growth. A worsening here would cut the Satin Creditcare Network share price target toward the low end of the range.

Earnings Reset

A bear case EPS of Rs 28 at 3.8 times would put the price near Rs 106. Watch it closely, because it can pull the Satin Creditcare Network share price target lower quickly.

Satin Creditcare Network Stock Analysis: Support and Resistance Levels for the Share Price Target

Satin Creditcare Network stock analysis on weekly charts shows a range of Rs 200 to Rs 244 since mid-September, with the stock in the middle.

The first support level is Rs 217 to Rs 224.10, the lows of the weeks of 21 and 28 September. Below that, Rs 210 marks the lows of the weeks of 7 and 14 September and Rs 200.07 is the intraday low of the week of 5 October.

The first resistance level is Rs 238.78 to Rs 244, the highs of the weeks of 21 and 28 September and 5 October. Above that, Rs 262 to Rs 274 marks the highs of June and July. These levels come from weekly price action, are not trade recommendations, and frame the near-term Satin Creditcare Network share price target.

Satin Creditcare Network Share Price Target 2026, 2027 and 2030: Short, Medium and Long Term

Short-Term Satin Creditcare Network Share Price Target (3 to 6 Months)

In the near term the stock is likely to trade between Rs 217 and Rs 244. A close above Rs 244 would put Rs 262 in play, while a weekly close under Rs 217 would open Rs 210. The Q2 FY27 results are the main trigger. This range anchors the near-term Satin Creditcare Network share price target.

12-Month and 2027 Satin Creditcare Network Share Price Target

The 12-month target price is Rs 218 to Rs 277, valued on 5.2 to 6.6 times FY28 EPS of Rs 42. The range across scenarios runs from Rs 106 in the bear case to Rs 416 in the bull case.

Long-Term Satin Creditcare Network Share Price Target for FY29 to 2030

For FY29 to 2030 the Univest scenario range is Rs 275 to Rs 420. This assumes EPS of Rs 50 in FY29 and Rs 60 in FY30 and a multiple of 5.5 to 7 times. It needs AUM growth near 20 to 25 percent a year, GNPA to stay near 2 percent and the non-microfinance share to rise toward 30 percent. This is the long-term Satin Creditcare Network share price target in the Univest scenarios.

Bull Case and Bear Case for Satin Creditcare Network Share Price Target

Bull Case Rs 354 to Rs 416

The bull case of Rs 354 to Rs 416 for the Satin Creditcare Network share price target needs EPS of Rs 52 and the market to pay 6.8 to 8 times for it. It is +55.0% to +82.2% from the last close.

Bear Case Rs 106 to Rs 134

The bear case of Rs 106 to Rs 134 for the Satin Creditcare Network share price target equals 3.8 to 4.8 times FY28 EPS of Rs 28 and sits below the Rs 135.81 low. It is -53.6% to -41.3% from the last close.

Is Satin Creditcare Network a Good Buy at Rs 228? Satin Creditcare Network Buy or Sell View

Whether Satin Creditcare Network is a buy at Rs 228.35 depends on horizon and risk appetite. The base case sits between 4 percent below and 21 percent above the current price, the stock is 17 percent below its high, and the open question is credit cost. The Satin Creditcare Network share price target range is the starting point for that decision.

Long-term holders may focus on AUM growth, asset quality and capital, and treat Rs 210 as the level to watch. Short-term traders may prefer to wait for a close above Rs 244. Check institutional holding in the September quarter filing for signs of accumulation or selling. Consult a SEBI-registered advisor before acting, since this Satin Creditcare Network buy or sell view is educational.

How to Invest in Satin Creditcare Network Shares

Step 1: Check the live price, valuation and the latest Satin Creditcare Network share price target range on the Univest Screener.

Step 2: Open a demat and trading account with a SEBI-registered broker such as Univest before acting on any Satin Creditcare Network share price target.

Step 3: Search for SATIN on the NSE or 539404 on the BSE in your trading app.

Step 4: Place a limit order near your planned entry and size the position so a fall to Rs 106 is bearable.

Step 5: Track AUM growth, GNPA and Q2 FY27 results and set price alerts on the Univest App to follow any change in the Satin Creditcare Network share price target.

Conclusion

Satin Creditcare Network closed at Rs 228.35 against a Univest base case share price target of Rs 218 to Rs 277, a bull case of Rs 354 to Rs 416 and a bear case of Rs 106 to Rs 134. Q1 FY27 delivered profit of Rs 122.65 crore, up 172 percent, with AUM of Rs 15,935 crore. The main risks are microfinance stress, heavy borrowing and regulatory change.

The stock is 16.7 percent below its 52-week high, so the base case sits between 4 percent below and 21 percent above the current price. The triggers to watch are AUM growth, GNPA and Q2 FY27 results and the Rs 217 and Rs 244 levels. Re-check the Satin Creditcare Network share price target after each quarterly result. Investors with a long horizon and tolerance for volatility can track these triggers, while others may prefer to size positions carefully.

Download the Univest iOS App or Univest Android App to track Satin Creditcare Network live price and get daily stock recommendations.

FAQs on Satin Creditcare Network Share Price Target 2026

What is the Satin Creditcare Network share price target for 2026?

Ans. The Satin Creditcare Network share price target for 2026 is Rs 218 to Rs 277 in the Univest base case, with a bull case of Rs 354 to Rs 416 and a bear case of Rs 106 to Rs 134. No brokerage target was available on the sources we track as of 6 October 2026, so these are Univest research scenarios. These are estimates and can change after the Q2 FY27 results.

What is the Satin Creditcare Network share price target for 2027?

Ans. The Satin Creditcare Network share price target for 2027 is Rs 218 to Rs 277 in the base case, valued on 5.2 to 6.6 times FY28 EPS of Rs 42. The scenario range runs from Rs 106 to Rs 416.

Is Satin Creditcare Network a good buy at Rs 228.35?

Ans. Whether Satin Creditcare Network is a good buy at Rs 228.35 depends on your horizon, risk appetite and how you read the Satin Creditcare Network share price target. Profit and AUM are growing fast at 6.2 times earnings, but borrowing is heavy and microfinance can turn quickly. Consult a SEBI-registered advisor before investing.

What are the key risks to the Satin Creditcare Network share price target?

Ans. The key risks to the Satin Creditcare Network share price target are microfinance stress, heavy borrowing, regulatory change and earnings reset. The sector has seen rising defaults before. A return of stress would lift credit cost above 3 percent.

What are the key catalysts for the Satin Creditcare Network share price target?

Ans. The key catalysts for the Satin Creditcare Network share price target are aum growth, asset quality, diversification and promoter infusion. AUM grew 27 percent to Rs 15,935 crore. The FY27 target of Rs 18,200 to Rs 18,900 crore implies more growth.

Where can I track Satin Creditcare Network share price today and Satin Creditcare Network share price target updates?

Ans. You can track the live Satin Creditcare Network share price, results and any change to the Satin Creditcare Network share price target on the Univest Screener and the Univest App. Download the Univest iOS App or Univest Android App for research from SEBI-registered analysts.

What are Satin Creditcare Network's 52-week high and low?

Ans. Satin Creditcare Network's 52-week high is Rs 274.14 and its 52-week low is Rs 135.81, based on weekly NSE data. At Rs 228.35 the stock is 16.7 percent below the high and 68.1 percent above the low. Both levels frame the Satin Creditcare Network share price target.

How to buy Satin Creditcare Network shares?

Ans. Open a demat account with a SEBI-registered broker such as Univest, search for SATIN on the NSE or 539404 on the BSE, and place a limit order near your entry price, using the Satin Creditcare Network share price target range as a guide. Size the position so a fall to Rs 106 is bearable, and check the live price on the Univest Screener first.