Satin Creditcare Network cash flow

Latest FY26

Cash from operations: −₹974cr−₹563 cr in FY25
Cash from investing: −₹123cr−₹45.4 cr in FY25
Cash from financing: ₹1,873cr+105.0% on FY25
Capital spending: ₹28.7cr+44.6% on FY25

₹ crore except per share

Tap a line for its trend	Last 12Mto Sep 2026	FY26Mar 2026	FY25Mar 2025	FY24Mar 2024	FY23Mar 2023	FY22 and earlierAlpha Plus

Changes in working capital
Adjustments to reconcile profit — non-cash items						FY22 and earlierEvery year the company has filed comes with Alpha Plus.
	—	30.3	27.3	22.7	18.4
	—	495	520	151	408
	—	81.7	59.5	45.1	15.5
	—	0.0	−0.1	0.0	−0.0
	—	−281	−18.9	−7.8	−14.2
	—	2.5	0.4	0.0	0.0
	—	213	16.8	9.2	5.2
	—	0.0	0.3	−272	−213
	—	1.3	0.0	0.0	0.0
	—	−6.2	6.5	−3.1	−2.6
	—	−24.4	−4.2	−13.6	5.6
	—	0.7	−15.7	0.0	0.0
	—	−99.7	201	9.6	54.0
	—	0.0	13.7	0.0	0.0
	—	3.6	0.0	1.2	−9.1
	—	204	59.1	−144	−10.4
	—	4.3	2.4	0.0	0.0
	—	2.9	0.0	0.8	−1.0
Cash from operating activities
	701	432	236	583	5.2
	—	628	869	−201	256
	—	1,060	1,105	381	261
	—	−2,010	−1,588	−2,415	−1,180
	—	24.1	80.0	35.4	37.7
	—	−974	−563	−2,069	−956
Cash from investing activities
	—	24.7	19.5	12.8	9.7
	—	4.0	0.3	0.3	0.2
	—	0.6	0.9	0.7	0.7
	—	0.0	0.1	0.0	0.0
	—	−94.9	−26.6	−15.9	−63.7
	—	−123	−45.4	−28.2	−72.9
Cash from financing activities
	—	0.0	0.0	331	62.2
	—	0.4	0.0	0.0	0.0
	—	−116	770	507	282
	—	7,459	4,491	6,564	4,248
	—	5,325	4,334	5,127	4,195
	—	16.3	13.8	11.5	7.3
	—	−129	0.0	0.0	0.0
	—	1,873	914	2,263	390
	—	777	305	166	−639
	—	777	305	166	−639
	—	—	—	424	258
Reference items
	—	−1,003	−583	−2,082	−966
	—	−₹91.10	−₹53.00	−₹189.19	−₹87.81
	—	−2.93×	−3.03×	−4.75×	−198.70×
	—	24.1	80.0	35.4	37.7

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From the company's filings with NSE and BSE (Ind-AS), consolidated. For information only, not investment advice.

alphave

SATIN₹251.18

Satin Creditcare Network Limited

· Banking & Finance

₹ CrorePeersSPANDANA FUSION MUTHOOTMFMcap ₹2,764 Cr

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In ₹ Crore except Per Share 12 Months Ending	FY23 31/03/2023	FY24 31/03/2024	FY25 31/03/2025	FY26 31/03/2026	Last 12M 30/09/2026
Adjustments to Reconcile Profit — Non-cash Items
+ Depreciation & Amortisation	18.4	22.7	27.3	30.3	—
+ Impairment Loss / (Reversal)	408.1	150.8	520.4	494.9	—
+ Finance Costs	15.5	45.1	59.5	81.7	—
+ Dividend Income	-0.0	0.0	-0.1	0.0	—
+ Fair Value (Gains) / Losses	-14.2	-7.8	-18.9	-280.6	—
+ Share-based Payments	0.0	0.0	0.4	2.5	—
+ Unrealised FX (Gain) / Loss	5.2	9.2	16.8	213.1	—
+ Other Non-cash Items	-213.4	-271.9	0.3	0.0	—
+ Other Reconciling Items	0.0	0.0	0.0	1.3	—
Changes in Working Capital
+ Trade Receivables — Current	-2.6	-3.1	6.5	-6.2	—
+ Other Financial Assets — Non-current	5.6	-13.6	-4.2	-24.4	—
+ Other Non-current Assets	0.0	0.0	-15.7	0.7	—
+ Other Bank Balances	54.0	9.6	201.4	-99.7	—
+ Trade Payables — Current	0.0	0.0	13.7	0.0	—
+ Trade Payables — Non-current	-9.1	1.2	0.0	3.6	—
+ Other Financial Liabilities — Non-current	-10.4	-144.4	59.1	203.5	—
+ Other Non-current Liabilities	0.0	0.0	2.4	4.3	—
+ Provisions — Non-current	-1.0	0.8	0.0	2.9	—
Cash from Operating Activities
Profit Before Tax (per I/S)	5.2	582.9	235.8	432.1	701.1
+ Total Adjustments (incl. Working Capital)	256.2	-201.5	869.0	627.8	—
Cash from Operations (pre-tax)	261.4	381.4	1,104.8	1,059.8	—
+ Other Inflows / (Outflows) — Operating	-1,180.1	-2,414.9	-1,588.2	-2,009.5	—
+ Income Taxes Paid	37.7	35.4	80.0	24.1	—
Cash from Operating Activities	-956.3	-2,068.9	-563.4	-973.8	—
Cash from Investing Activities
+ Acq of Fixed Assets (Capex)	9.7	12.8	19.5	24.7	—
+ Acq of Intangible Assets	0.2	0.3	0.3	4.0	—
+ Disp of Fixed Assets	0.7	0.7	0.9	0.6	—
+ Dividends Received — Investing	0.0	0.0	0.1	0.0	—
+ Other Inflows / (Outflows) — Investing	-63.7	-15.9	-26.6	-94.9	—
Cash from Investing Activities	-72.9	-28.2	-45.4	-122.9	—
Cash from Financing Activities
+ Proceeds from Issue of Shares	62.2	330.8	0.0	0.0	—
+ Proceeds — Change in Ownership of Subsidiaries	0.0	0.0	0.0	0.4	—
+ Proceeds from Debentures / Notes / Bonds	282.1	507.3	770.1	-115.9	—
+ Proceeds from Borrowings	4,247.7	6,564.1	4,491.5	7,458.8	—
+ Repayment of Borrowings	4,194.8	5,127.3	4,334.0	5,325.0	—
+ Payment of Lease Liabilities	7.3	11.5	13.8	16.3	—
+ Other Inflows / (Outflows) — Financing	0.0	0.0	0.0	-128.5	—
Cash from Financing Activities	389.9	2,263.5	913.8	1,873.5	—
Net Changes in Cash (pre-FX)	-639.4	166.3	305.0	776.8	—
Net Changes in Cash	-639.4	166.3	305.0	776.8	—
Closing Cash	257.7	424.0	—	—	—
Reference Items
Free Cash Flow (CFO − Capex)	-966.3	-2,082.0	-583.2	-1,002.5	—
Free Cash Flow per Basic Share	-87.81	-189.19	-53.00	-91.10	—
Cash Flow to Net Income	-198.70	-4.75	-3.03	-2.93	—
Cash Paid for Taxes	37.7	35.4	80.0	24.1	—

As filed, sign as filed: a payment tagged as a positive magnitude in the filing stays positive here, so read the label, not the sign. A line appears only when the company tagged that concept in at least one period shown — depth follows the filer, so a thin statement means a thin filing. Total Adjustments is the filer's own grand total of the reconciliation and spans BOTH the non-cash items and the working-capital block; Profit Before Tax plus it equals Cash from Operations (pre-tax). It can be reported when its components are not, so it is never a sum of the rows above it. No consensus estimates → no Est columns. Click any row to chart it.

« ‹ › »Latest: FY26 · ConsolidatedFA Financial Analysis · alphave

Data & compliance. Descriptive financial information from official NSE/BSE filings — for information and education only, not investment advice, a recommendation, or a valuation. Standalone = parent entity; consolidated includes subsidiaries. Historical multiples pair each fiscal year's filed figures with that FY-end market close; the Current column uses the last close with the latest filed annuals. Figures are cross-verified via accounting identities and NSE×BSE agreement — XBRL cross-verified ✓ 95%.