Satin Creditcare Network Limited (NSE:SATIN)

Satin Creditcare Network Cash Flow Statement

Financials in millions INR. Fiscal year is April - March.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Net Income	1,344	1,861	4,359	48.13	206.99	-139.82
Depreciation & Amortization	271.87	265.14	219.35	176.44	149.35	141.27
Other Amortization	7.55	7.55	7.27	7.5	8.05	9.5
Gain on Sale of Loans & Receivables	-2,406	-2,333	-2,729	-2,076	-516.55	-1,119
Loss (Gain) From Sale of Investments	-550.78	-189.07	-78.38	-141.55	-142.34	61.74
Asset Writedown & Restructuring Costs	-0.46	0.87	4.22	-0.39	5.92	1.5
Provision for Credit Losses	5,204	5,204	1,508	4,000	1,807	2,790
Stock-Based Compensation	12.13	4.47	-	-	-3.89	-7.87
Change in Accounts Payable	120.62	137.02	12.34	-91.12	-39.29	87.12
Change in Other Net Operating Assets	-5,405	-11,053	-25,656	-11,344	1,620	-11,601
Other Operating Activities	1,568	461.1	1,664	-141.96	266.53	327.55
Operating Cash Flow	165.59	-5,634	-20,689	-9,563	3,362	-9,449
Capital Expenditures	-188.5	-195.04	-128.09	-96.92	-59.35	-200.33
Sale of Property, Plant & Equipment	7.04	9.12	7.06	7.23	4.44	3.21
Sale (Purchase) of Intangibles	-10.74	-3.44	-2.62	-2.45	-	-
Investment in Securities	-2,938	-265.79	-118.38	-636.86	-453.38	2,454
Other Investing Activities	1.25	1.25	-	0.02	0.32	-
Investing Cash Flow	-3,129	-453.89	-242.03	-728.98	-507.98	2,257
Long-Term Debt Issued	-	54,476	70,673	45,298	34,955	35,287
Total Debt Issued	65,342	54,476	70,673	45,298	34,955	35,287
Long-Term Debt Repaid	-	-45,338	-51,387	-42,021	-40,424	-28,816
Net Debt Issued (Repaid)	11,863	9,138	19,286	3,277	-5,470	6,471
Issuance of Common Stock	-	-	3,308	621.88	1,045	871.66
Financing Cash Flow	11,863	9,138	22,594	3,899	-4,424	7,343
Net Cash Flow	8,899	3,050	1,663	-6,394	-1,571	150.78
Free Cash Flow	-22.91	-5,829	-20,817	-9,660	3,302	-9,649
Free Cash Flow Margin	-0.20%	-56.29%	-174.78%	-179.61%	57.85%	-208.40%
Free Cash Flow Per Share	-0.21	-53.00	-206.63	-118.05	43.43	-155.64
Cash Income Tax Paid	450.71	799.7	354.33	376.54	401.67	132.76

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.