Share Price and Basic Stock Data
Last Updated: December 26, 2025, 8:39 pm
| PEG Ratio | -8.36 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
CreditAccess Grameen Ltd operates within the microfinance sector, focusing on providing financial services to underserved communities. As of September 2023, the company reported a share price of ₹1,303 and a market capitalization of ₹20,860 Cr. Over the past several quarters, CreditAccess Grameen has demonstrated strong revenue growth, with recorded revenues rising from ₹621 Cr in June 2022 to ₹1,247 Cr in September 2023. This upward trend continued into the next quarter, with revenue standing at ₹1,292 Cr in December 2023. The annual revenue for FY 2025 is reported at ₹5,752 Cr, marking a significant increase from ₹3,487 Cr in FY 2023. The company’s ability to sustain such growth indicates a robust demand for its services in the microfinance sector, which is essential for economic empowerment in India.
Profitability and Efficiency Metrics
CreditAccess Grameen’s profitability metrics reflect a mixed performance, particularly in its financing profit and margins. The net profit for the quarter ending June 2023 was ₹346 Cr, which slightly decreased to ₹349 Cr in September 2023. However, the annual net profit for FY 2025 is reported at ₹531 Cr, a decline from ₹826 Cr in FY 2023. The financing margin stood at 39% in September 2023 but experienced a notable drop to 18% by September 2024, indicating potential challenges in maintaining profitability amid rising expenses. The interest coverage ratio (ICR) of 1.40x suggests that the company has a moderate ability to meet its interest obligations, which is crucial for maintaining financial stability. The return on equity (ROE) for FY 2025 is reported at 7.86%, reflecting a decline from 22% in FY 2024, which may raise concerns among investors regarding long-term profitability.
Balance Sheet Strength and Financial Ratios
CreditAccess Grameen’s balance sheet reveals a significant reliance on borrowings, with total borrowings reported at ₹20,446 Cr for FY 2025, which is a decrease from ₹21,841 Cr in FY 2024. The company has reserves amounting to ₹7,004 Cr, indicating a solid capital base. The debt-to-equity ratio stood at 2.94x, highlighting a high leverage position compared to typical sector norms, which are generally lower. The current ratio of 1.29x shows that the company is capable of meeting its short-term obligations, although a declining trend might be observed. The price-to-book value (P/BV) ratio at 2.19x suggests that the stock is trading at a premium over its book value, which can be interpreted as a signal of market confidence in the company’s future prospects. However, the decline in net profit margin to 9.23% in FY 2025 from 27.98% in FY 2024 raises caution regarding operational efficiency.
Shareholding Pattern and Investor Confidence
The shareholding structure of CreditAccess Grameen indicates a strong promoter presence, with promoters holding 66.37% as of September 2025, down from 73.71% in December 2022. This decline in promoter holdings may signal some dilution of control, which could impact investor confidence. Foreign Institutional Investors (FIIs) increased their stake to 12.29%, while Domestic Institutional Investors (DIIs) held 13.33%. The public shareholding stood at 8.02%, reflecting a modest level of public participation. The number of shareholders has fluctuated, with a peak of 1,25,004 in December 2024, indicating growing interest. However, the recent drop in the number of shareholders to 83,943 by September 2025 suggests potential concerns among retail investors regarding the company’s financial performance and future outlook.
Outlook, Risks, and Final Insight
Looking ahead, CreditAccess Grameen faces a blend of opportunities and risks. The continued demand for microfinance services presents significant growth potential, especially in underbanked regions. However, the company must navigate challenges such as increasing competition, rising operational costs, and declining profitability margins. The high leverage, as indicated by a debt-to-equity ratio of 2.94x, poses risks if interest rates rise or if there are delays in loan recoveries, particularly with gross non-performing assets (NPAs) rising to 4.76% by March 2025. With the right strategies to enhance operational efficiency and manage costs, CreditAccess Grameen can capitalize on its market position. Investors should closely monitor the company’s ability to stabilize its profit margins and manage its debt effectively to mitigate risks associated with its current financial trajectory.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Muthoot Microfin Ltd | 3,032 Cr. | 178 | 199/119 | 158 | 0.00 % | 5.80 % | 8.19 % | 10.0 | |
| Satin Creditcare Network Ltd | 1,563 Cr. | 142 | 176/131 | 11.6 | 237 | 0.00 % | 11.9 % | 7.53 % | 10.0 |
| CreditAccess Grameen Ltd | 20,216 Cr. | 1,262 | 1,490/750 | 151 | 448 | 0.00 % | 9.55 % | 7.86 % | 10.0 |
| Industry Average | 8,270.33 Cr | 527.33 | 81.30 | 281.00 | 0.00% | 9.08% | 7.86% | 10.00 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 621 | 812 | 908 | 1,065 | 1,170 | 1,247 | 1,292 | 1,457 | 1,512 | 1,453 | 1,380 | 1,407 | 1,463 |
| Interest | 226 | 273 | 314 | 346 | 385 | 424 | 442 | 482 | 510 | 485 | 475 | 478 | 482 |
| Expenses | 209 | 299 | 293 | 311 | 309 | 342 | 365 | 434 | 453 | 700 | 1,020 | 864 | 885 |
| Financing Profit | 186 | 240 | 301 | 409 | 477 | 481 | 486 | 542 | 549 | 269 | -115 | 65 | 96 |
| Financing Margin % | 30% | 30% | 33% | 38% | 41% | 39% | 38% | 37% | 36% | 18% | -8% | 5% | 7% |
| Other Income | 0 | 2 | 2 | 1 | 1 | 1 | 3 | 2 | 1 | 1 | 2 | 1 | 1 |
| Depreciation | 7 | 13 | 13 | 12 | 12 | 12 | 13 | 14 | 14 | 17 | 16 | 15 | 15 |
| Profit before tax | 179 | 229 | 290 | 398 | 465 | 469 | 476 | 529 | 535 | 252 | -129 | 51 | 81 |
| Tax % | 26% | 24% | 26% | 25% | 26% | 26% | 26% | 25% | 26% | 26% | -23% | 8% | 26% |
| Net Profit | 133 | 175 | 216 | 297 | 346 | 349 | 353 | 397 | 398 | 186 | -100 | 47 | 60 |
| EPS in Rs | 8.50 | 11.22 | 13.82 | 18.98 | 22.16 | 21.95 | 22.20 | 24.91 | 24.95 | 11.67 | -6.24 | 2.96 | 3.77 |
| Gross NPA % | 1.73% | 1.48% | 1.21% | 0.89% | 0.77% | 0.97% | 1.18% | 1.46% | 2.44% | 3.99% | 4.76% | 4.70% | |
| Net NPA % | 0.47% | 0.35% | 0.27% | 0.24% | 0.29% | 0.35% | 0.45% | 0.76% | 1.28% | 1.73% | 1.78% |
Last Updated: August 20, 2025, 12:00 pm
Below is a detailed analysis of the quarterly data for CreditAccess Grameen Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Interest, as of Jun 2025, the value is 482.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 478.00 Cr. (Mar 2025) to 482.00 Cr., marking an increase of 4.00 Cr..
- For Expenses, as of Jun 2025, the value is 885.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 864.00 Cr. (Mar 2025) to 885.00 Cr., marking an increase of 21.00 Cr..
- For Other Income, as of Jun 2025, the value is 1.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 1.00 Cr..
- For Depreciation, as of Jun 2025, the value is 15.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 15.00 Cr..
- For Profit before tax, as of Jun 2025, the value is 81.00 Cr.. The value appears strong and on an upward trend. It has increased from 51.00 Cr. (Mar 2025) to 81.00 Cr., marking an increase of 30.00 Cr..
- For Tax %, as of Jun 2025, the value is 26.00%. The value appears to be increasing, which may not be favorable. It has increased from 8.00% (Mar 2025) to 26.00%, marking an increase of 18.00%.
- For Net Profit, as of Jun 2025, the value is 60.00 Cr.. The value appears strong and on an upward trend. It has increased from 47.00 Cr. (Mar 2025) to 60.00 Cr., marking an increase of 13.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 3.77. The value appears strong and on an upward trend. It has increased from 2.96 (Mar 2025) to 3.77, marking an increase of 0.81.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 5:29 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 146 | 278 | 464 | 708 | 871 | 1,282 | 1,683 | 2,028 | 2,669 | 3,487 | 5,167 | 5,752 | 5,758 |
| Interest | 72 | 129 | 208 | 317 | 354 | 417 | 575 | 745 | 987 | 1,216 | 1,738 | 1,955 | 1,914 |
| Expenses | 50 | 76 | 126 | 264 | 184 | 361 | 639 | 1,069 | 1,235 | 1,179 | 1,444 | 3,030 | 3,614 |
| Financing Profit | 24 | 74 | 130 | 128 | 332 | 504 | 470 | 214 | 447 | 1,092 | 1,984 | 767 | 230 |
| Financing Margin % | 16% | 26% | 28% | 18% | 38% | 39% | 28% | 11% | 17% | 31% | 38% | 13% | 4% |
| Other Income | 2 | 3 | 2 | 1 | 1 | 1 | 1 | 3 | 81 | 64 | 6 | 4 | 4 |
| Depreciation | 1 | 2 | 3 | 4 | 5 | 8 | 20 | 23 | 47 | 50 | 51 | 62 | 62 |
| Profit before tax | 25 | 75 | 130 | 124 | 328 | 498 | 451 | 194 | 481 | 1,105 | 1,939 | 709 | 172 |
| Tax % | 33% | 35% | 36% | 35% | 35% | 35% | 27% | 27% | 27% | 25% | 25% | 25% | |
| Net Profit | 17 | 49 | 83 | 80 | 212 | 322 | 328 | 142 | 353 | 826 | 1,446 | 531 | 134 |
| EPS in Rs | 3.14 | 6.68 | 11.41 | 9.37 | 16.54 | 22.41 | 22.75 | 9.15 | 22.65 | 52.87 | 90.72 | 33.27 | 8.36 |
| Dividend Payout % | -0% | -0% | -0% | -0% | -0% | -0% | -0% | -0% | -0% | -0% | 11% | -0% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 188.24% | 69.39% | -3.61% | 165.00% | 51.89% | 1.86% | -56.71% | 148.59% | 133.99% | 75.06% | -63.28% |
| Change in YoY Net Profit Growth (%) | 0.00% | -118.85% | -73.00% | 168.61% | -113.11% | -50.02% | -58.57% | 205.30% | -14.60% | -58.93% | -138.34% |
CreditAccess Grameen Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 35% |
| 5 Years: | 28% |
| 3 Years: | 29% |
| TTM: | 4% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 27% |
| 5 Years: | 10% |
| 3 Years: | 15% |
| TTM: | -87% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | 14% |
| 3 Years: | 10% |
| 1 Year: | 14% |
| Return on Equity | |
|---|---|
| 10 Years: | 14% |
| 5 Years: | 14% |
| 3 Years: | 16% |
| Last Year: | 8% |
Last Updated: September 5, 2025, 2:20 am
Balance Sheet
Last Updated: December 4, 2025, 1:08 am
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 53 | 73 | 73 | 86 | 128 | 144 | 144 | 156 | 156 | 159 | 159 | 160 | 160 |
| Reserves | 154 | 303 | 387 | 605 | 1,309 | 2,222 | 2,525 | 3,479 | 4,011 | 4,948 | 6,411 | 6,796 | 7,004 |
| Borrowing | 805 | 1,291 | 2,233 | 2,668 | 3,623 | 4,867 | 7,823 | 8,781 | 12,921 | 16,312 | 21,841 | 20,446 | 20,103 |
| Other Liabilities | 46 | 60 | 115 | 205 | 53 | 126 | 170 | 281 | 394 | 439 | 460 | 401 | 411 |
| Total Liabilities | 1,058 | 1,727 | 2,808 | 3,564 | 5,114 | 7,357 | 10,662 | 12,697 | 17,482 | 21,858 | 28,871 | 27,802 | 27,679 |
| Fixed Assets | 3 | 4 | 11 | 12 | 16 | 25 | 87 | 101 | 629 | 599 | 609 | 604 | 585 |
| CWIP | 0 | 2 | 0 | 3 | 1 | 2 | 3 | 1 | 3 | 4 | 5 | 4 | 0 |
| Investments | 0 | 0 | 0 | 0 | 0 | 0 | 661 | 663 | 1 | 455 | 1,439 | 893 | 1,238 |
| Other Assets | 1,055 | 1,720 | 2,796 | 3,549 | 5,096 | 7,330 | 9,911 | 11,932 | 16,849 | 20,801 | 26,818 | 26,302 | 25,855 |
| Total Assets | 1,058 | 1,727 | 2,808 | 3,564 | 5,114 | 7,357 | 10,662 | 12,697 | 17,482 | 21,858 | 28,871 | 27,802 | 27,679 |
Below is a detailed analysis of the balance sheet data for CreditAccess Grameen Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 160.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 160.00 Cr..
- For Reserves, as of Sep 2025, the value is 7,004.00 Cr.. The value appears strong and on an upward trend. It has increased from 6,796.00 Cr. (Mar 2025) to 7,004.00 Cr., marking an increase of 208.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 411.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 401.00 Cr. (Mar 2025) to 411.00 Cr., marking an increase of 10.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 27,679.00 Cr.. The value appears to be improving (decreasing). It has decreased from 27,802.00 Cr. (Mar 2025) to 27,679.00 Cr., marking a decrease of 123.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 585.00 Cr.. The value appears to be declining and may need further review. It has decreased from 604.00 Cr. (Mar 2025) to 585.00 Cr., marking a decrease of 19.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 4.00 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 4.00 Cr..
- For Investments, as of Sep 2025, the value is 1,238.00 Cr.. The value appears strong and on an upward trend. It has increased from 893.00 Cr. (Mar 2025) to 1,238.00 Cr., marking an increase of 345.00 Cr..
- For Other Assets, as of Sep 2025, the value is 25,855.00 Cr.. The value appears to be declining and may need further review. It has decreased from 26,302.00 Cr. (Mar 2025) to 25,855.00 Cr., marking a decrease of 447.00 Cr..
- For Total Assets, as of Sep 2025, the value is 27,679.00 Cr.. The value appears to be declining and may need further review. It has decreased from 27,802.00 Cr. (Mar 2025) to 27,679.00 Cr., marking a decrease of 123.00 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | -755.00 | 75.00 | 124.00 | 262.00 | 181.00 | 357.00 | 632.00 | -7.00 | -11.00 | -15.00 | -20.00 | -17.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 10% | 17% | 20% | 14% | 20% | 17% | 13% | 5% | 9% | 18% | 25% | 8% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| Axis Small Cap Fund | 1,532,673 | 0.77 | 204.93 | 1,642,957 | 2025-12-07 22:19:29 | -6.71% |
| Canara Robeco Small Cap Fund | 1,323,847 | 1.36 | 177.01 | N/A | N/A | N/A |
| Canara Robeco Large and Mid Cap Fund | 1,202,572 | 0.61 | 160.8 | 1,424,889 | 2025-12-14 07:46:54 | -15.6% |
| Edelweiss Mid Cap Fund | 840,907 | 0.85 | 112.44 | 479,898 | 2025-12-07 09:52:38 | 75.23% |
| Nippon India Small Cap Fund | 793,984 | 0.15 | 106.16 | 1,334,795 | 2025-12-15 03:04:09 | -40.52% |
| Aditya Birla Sun Life Flexi Cap Fund | 720,331 | 0.39 | 96.32 | N/A | N/A | N/A |
| HDFC Large and Mid Cap Fund | 720,141 | 0.33 | 96.29 | N/A | N/A | N/A |
| UTI Mid Cap Fund | 675,078 | 0.75 | 90.26 | 635,409 | 2025-12-08 01:18:34 | 6.24% |
| Invesco India Smallcap Fund | 646,256 | 0.96 | 86.41 | N/A | N/A | N/A |
| Bank of India Flexi Cap Fund | 547,216 | 3.25 | 73.17 | N/A | N/A | N/A |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 33.32 | 90.88 | 52.04 | 23.31 | 8.96 |
| Diluted EPS (Rs.) | 33.24 | 90.41 | 51.82 | 23.22 | 8.90 |
| Cash EPS (Rs.) | 37.17 | 93.93 | 55.12 | 25.94 | 11.28 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 435.51 | 412.22 | 321.37 | 261.50 | 244.01 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 435.51 | 412.22 | 321.37 | 261.50 | 244.01 |
| Revenue From Operations / Share (Rs.) | 360.15 | 324.17 | 223.09 | 175.97 | 158.18 |
| PBDIT / Share (Rs.) | 170.21 | 233.58 | 149.02 | 97.01 | 74.12 |
| PBIT / Share (Rs.) | 166.32 | 230.37 | 145.89 | 93.98 | 71.29 |
| PBT / Share (Rs.) | 44.38 | 121.67 | 69.56 | 30.84 | 11.60 |
| Net Profit / Share (Rs.) | 33.27 | 90.72 | 51.98 | 22.91 | 8.45 |
| NP After MI And SOA / Share (Rs.) | 33.27 | 90.72 | 51.98 | 23.29 | 8.61 |
| PBDIT Margin (%) | 47.26 | 72.05 | 66.79 | 55.13 | 46.85 |
| PBIT Margin (%) | 46.18 | 71.06 | 65.39 | 53.40 | 45.06 |
| PBT Margin (%) | 12.32 | 37.53 | 31.18 | 17.52 | 7.33 |
| Net Profit Margin (%) | 9.23 | 27.98 | 23.30 | 13.01 | 5.33 |
| NP After MI And SOA Margin (%) | 9.23 | 27.98 | 23.30 | 13.23 | 5.44 |
| Return on Networth / Equity (%) | 7.63 | 22.00 | 16.17 | 9.12 | 3.63 |
| Return on Capital Employeed (%) | 37.65 | 55.27 | 44.89 | 26.05 | 19.76 |
| Return On Assets (%) | 1.91 | 5.01 | 3.77 | 2.08 | 0.88 |
| Long Term Debt / Equity (X) | 0.00 | 0.00 | 0.00 | 0.37 | 0.48 |
| Total Debt / Equity (X) | 2.94 | 3.32 | 3.19 | 3.25 | 2.96 |
| Asset Turnover Ratio (%) | 0.20 | 0.20 | 0.18 | 0.15 | 0.16 |
| Current Ratio (X) | 1.29 | 1.26 | 1.26 | 1.41 | 1.52 |
| Quick Ratio (X) | 1.29 | 1.26 | 1.26 | 1.41 | 1.52 |
| Interest Coverage Ratio (X) | 1.40 | 2.15 | 1.95 | 1.54 | 1.24 |
| Interest Coverage Ratio (Post Tax) (X) | 1.27 | 1.83 | 1.68 | 1.36 | 1.14 |
| Enterprise Value (Cr.) | 34216.94 | 43473.04 | 29417.68 | 24491.84 | 18992.64 |
| EV / Net Operating Revenue (X) | 5.95 | 8.41 | 8.30 | 8.93 | 7.72 |
| EV / EBITDA (X) | 12.59 | 11.68 | 12.42 | 16.20 | 16.47 |
| MarketCap / Net Operating Revenue (X) | 2.64 | 4.44 | 4.10 | 4.83 | 4.24 |
| Price / BV (X) | 2.19 | 3.49 | 2.85 | 3.33 | 2.83 |
| Price / Net Operating Revenue (X) | 2.64 | 4.44 | 4.10 | 4.83 | 4.24 |
| EarningsYield | 0.03 | 0.06 | 0.05 | 0.02 | 0.01 |
After reviewing the key financial ratios for CreditAccess Grameen Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 25, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 10.00.
- For Basic EPS (Rs.), as of Mar 25, the value is 33.32. This value is within the healthy range. It has decreased from 90.88 (Mar 24) to 33.32, marking a decrease of 57.56.
- For Diluted EPS (Rs.), as of Mar 25, the value is 33.24. This value is within the healthy range. It has decreased from 90.41 (Mar 24) to 33.24, marking a decrease of 57.17.
- For Cash EPS (Rs.), as of Mar 25, the value is 37.17. This value is within the healthy range. It has decreased from 93.93 (Mar 24) to 37.17, marking a decrease of 56.76.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 435.51. It has increased from 412.22 (Mar 24) to 435.51, marking an increase of 23.29.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 435.51. It has increased from 412.22 (Mar 24) to 435.51, marking an increase of 23.29.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 360.15. It has increased from 324.17 (Mar 24) to 360.15, marking an increase of 35.98.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 170.21. This value is within the healthy range. It has decreased from 233.58 (Mar 24) to 170.21, marking a decrease of 63.37.
- For PBIT / Share (Rs.), as of Mar 25, the value is 166.32. This value is within the healthy range. It has decreased from 230.37 (Mar 24) to 166.32, marking a decrease of 64.05.
- For PBT / Share (Rs.), as of Mar 25, the value is 44.38. This value is within the healthy range. It has decreased from 121.67 (Mar 24) to 44.38, marking a decrease of 77.29.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 33.27. This value is within the healthy range. It has decreased from 90.72 (Mar 24) to 33.27, marking a decrease of 57.45.
- For NP After MI And SOA / Share (Rs.), as of Mar 25, the value is 33.27. This value is within the healthy range. It has decreased from 90.72 (Mar 24) to 33.27, marking a decrease of 57.45.
- For PBDIT Margin (%), as of Mar 25, the value is 47.26. This value is within the healthy range. It has decreased from 72.05 (Mar 24) to 47.26, marking a decrease of 24.79.
- For PBIT Margin (%), as of Mar 25, the value is 46.18. This value exceeds the healthy maximum of 20. It has decreased from 71.06 (Mar 24) to 46.18, marking a decrease of 24.88.
- For PBT Margin (%), as of Mar 25, the value is 12.32. This value is within the healthy range. It has decreased from 37.53 (Mar 24) to 12.32, marking a decrease of 25.21.
- For Net Profit Margin (%), as of Mar 25, the value is 9.23. This value is within the healthy range. It has decreased from 27.98 (Mar 24) to 9.23, marking a decrease of 18.75.
- For NP After MI And SOA Margin (%), as of Mar 25, the value is 9.23. This value is within the healthy range. It has decreased from 27.98 (Mar 24) to 9.23, marking a decrease of 18.75.
- For Return on Networth / Equity (%), as of Mar 25, the value is 7.63. This value is below the healthy minimum of 15. It has decreased from 22.00 (Mar 24) to 7.63, marking a decrease of 14.37.
- For Return on Capital Employeed (%), as of Mar 25, the value is 37.65. This value is within the healthy range. It has decreased from 55.27 (Mar 24) to 37.65, marking a decrease of 17.62.
- For Return On Assets (%), as of Mar 25, the value is 1.91. This value is below the healthy minimum of 5. It has decreased from 5.01 (Mar 24) to 1.91, marking a decrease of 3.10.
- For Long Term Debt / Equity (X), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 0.2. There is no change compared to the previous period (Mar 24) which recorded 0.00.
- For Total Debt / Equity (X), as of Mar 25, the value is 2.94. This value exceeds the healthy maximum of 1. It has decreased from 3.32 (Mar 24) to 2.94, marking a decrease of 0.38.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.20. There is no change compared to the previous period (Mar 24) which recorded 0.20.
- For Current Ratio (X), as of Mar 25, the value is 1.29. This value is below the healthy minimum of 1.5. It has increased from 1.26 (Mar 24) to 1.29, marking an increase of 0.03.
- For Quick Ratio (X), as of Mar 25, the value is 1.29. This value is within the healthy range. It has increased from 1.26 (Mar 24) to 1.29, marking an increase of 0.03.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 1.40. This value is below the healthy minimum of 3. It has decreased from 2.15 (Mar 24) to 1.40, marking a decrease of 0.75.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 1.27. This value is below the healthy minimum of 3. It has decreased from 1.83 (Mar 24) to 1.27, marking a decrease of 0.56.
- For Enterprise Value (Cr.), as of Mar 25, the value is 34,216.94. It has decreased from 43,473.04 (Mar 24) to 34,216.94, marking a decrease of 9,256.10.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 5.95. This value exceeds the healthy maximum of 3. It has decreased from 8.41 (Mar 24) to 5.95, marking a decrease of 2.46.
- For EV / EBITDA (X), as of Mar 25, the value is 12.59. This value is within the healthy range. It has increased from 11.68 (Mar 24) to 12.59, marking an increase of 0.91.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 2.64. This value is within the healthy range. It has decreased from 4.44 (Mar 24) to 2.64, marking a decrease of 1.80.
- For Price / BV (X), as of Mar 25, the value is 2.19. This value is within the healthy range. It has decreased from 3.49 (Mar 24) to 2.19, marking a decrease of 1.30.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 2.64. This value is within the healthy range. It has decreased from 4.44 (Mar 24) to 2.64, marking a decrease of 1.80.
- For EarningsYield, as of Mar 25, the value is 0.03. This value is below the healthy minimum of 5. It has decreased from 0.06 (Mar 24) to 0.03, marking a decrease of 0.03.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in CreditAccess Grameen Ltd:
- Net Profit Margin: 9.23%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 37.65% (Industry Average ROCE: 9.08%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 7.63% (Industry Average ROE: 7.86%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 1.27
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 1.29
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 151 (Industry average Stock P/E: 81.3)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 2.94
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 9.23%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Microfinance Institutions | No.49, 46th Cross, 8th Block, Bengaluru Karnataka 560071 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. George Joseph | Chairman & Ind.Director |
| Mr. Paolo Brichetti | Vice Chairman & Non Exe.Dire |
| Mr. Udaya Kumar Hebbar | Managing Director |
| Mr. Sumit Kumar | Non Executive Director |
| Mr. Massimo Vita | Non Executive Director |
| Ms. Rekha Gopal Warriar | Independent Director |
| Mr. Manoj Kumar | Independent Director |
| Ms. Lilian Jessie Paul | Independent Director |
FAQ
What is the intrinsic value of CreditAccess Grameen Ltd?
CreditAccess Grameen Ltd's intrinsic value (as of 26 December 2025) is 4338.78 which is 243.80% higher the current market price of 1,262.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 20,216 Cr. market cap, FY2025-2026 high/low of 1,490/750, reserves of ₹7,004 Cr, and liabilities of 27,679 Cr.
What is the Market Cap of CreditAccess Grameen Ltd?
The Market Cap of CreditAccess Grameen Ltd is 20,216 Cr..
What is the current Stock Price of CreditAccess Grameen Ltd as on 26 December 2025?
The current stock price of CreditAccess Grameen Ltd as on 26 December 2025 is 1,262.
What is the High / Low of CreditAccess Grameen Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of CreditAccess Grameen Ltd stocks is 1,490/750.
What is the Stock P/E of CreditAccess Grameen Ltd?
The Stock P/E of CreditAccess Grameen Ltd is 151.
What is the Book Value of CreditAccess Grameen Ltd?
The Book Value of CreditAccess Grameen Ltd is 448.
What is the Dividend Yield of CreditAccess Grameen Ltd?
The Dividend Yield of CreditAccess Grameen Ltd is 0.00 %.
What is the ROCE of CreditAccess Grameen Ltd?
The ROCE of CreditAccess Grameen Ltd is 9.55 %.
What is the ROE of CreditAccess Grameen Ltd?
The ROE of CreditAccess Grameen Ltd is 7.86 %.
What is the Face Value of CreditAccess Grameen Ltd?
The Face Value of CreditAccess Grameen Ltd is 10.0.