Share Price and Basic Stock Data
Last Updated: January 16, 2026, 8:38 pm
| PEG Ratio | -8.63 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
CreditAccess Grameen Ltd operates in the microfinance industry, focusing on providing financial services to underserved segments. As of September 2023, the company reported a market capitalization of ₹20,625 Cr and a share price of ₹1,288. Revenue has shown a consistent upward trajectory, increasing from ₹812 Cr in September 2022 to ₹1,247 Cr in September 2023, reflecting a year-on-year growth of approximately 53.7%. The quarterly revenue for December 2023 is projected at ₹1,292 Cr, indicating sustained demand for microfinance services. Over the past year, the company’s financing profit rose significantly, reaching ₹481 Cr in September 2023, up from ₹240 Cr in September 2022, underscoring improved operational efficiency and customer acquisition strategies. This growth positions CreditAccess Grameen favorably within the sector, as the company leverages its strong market presence to enhance service delivery and expand its customer base.
Profitability and Efficiency Metrics
The company’s profitability metrics have reflected both resilience and volatility. For the fiscal year ending March 2025, CreditAccess Grameen reported a net profit of ₹531 Cr, down from ₹1,446 Cr in March 2024. The net profit margin stood at 9.23%, a decline from 27.98% the previous year, indicating pressure on profitability. The interest coverage ratio (ICR) was recorded at 1.40x, suggesting that the company generates sufficient earnings to cover interest expenses, although it is lower than the typical sector range. The return on equity (ROE) was reported at 7.63%, down from 22% in the previous year, reflecting challenges in maintaining investor returns. However, the financing margin of 13% in March 2025 indicates effective management of interest income relative to expenses, which is crucial in the competitive microfinance sector. Overall, while profitability has faced headwinds, operational efficiency remains a core strength.
Balance Sheet Strength and Financial Ratios
CreditAccess Grameen’s balance sheet exhibits a robust structure, with total assets amounting to ₹27,802 Cr as of March 2025. The company’s reserves have consistently increased, reaching ₹6,796 Cr, which reflects a solid retained earnings position. The total debt-to-equity ratio stood at 2.94x, indicating a high leverage level compared to typical sector norms, which may heighten financial risk. However, the company has no long-term debt, suggesting a focus on short-term financing strategies. The price-to-book value (P/BV) ratio is reported at 2.19x, indicating that the stock is valued at a premium relative to its book value, which stood at ₹435.51 per share. Additionally, the company’s current ratio is 1.29x, suggesting adequate short-term liquidity to meet obligations. These financial ratios highlight CreditAccess Grameen’s ability to manage its capital structure effectively, though the high leverage warrants careful monitoring.
Shareholding Pattern and Investor Confidence
As of September 2025, CreditAccess Grameen’s shareholding pattern indicates a strong promoter stake of 66.37%, reflecting substantial insider confidence in the firm’s growth prospects. Foreign institutional investors (FIIs) hold 12.29%, while domestic institutional investors (DIIs) account for 13.33%. The public shareholding stands at 8.02%, showcasing a diverse ownership structure. Over recent quarters, there has been a gradual decline in promoter shareholding from 73.71% in December 2022, which may indicate strategic dilution for capital raising. The number of shareholders has increased significantly, from 40,891 in December 2022 to 83,943 by September 2025, suggesting growing retail interest in the stock. This trend of increasing shareholder base, combined with stable institutional support, reflects a positive outlook for investor confidence, provided the company addresses profitability concerns effectively.
Outlook, Risks, and Final Insight
The outlook for CreditAccess Grameen remains contingent on several factors, including its ability to navigate profitability challenges and maintain growth momentum in a competitive microfinance landscape. Key strengths include a solid revenue growth trajectory and a strong promoter backing, which provide a cushion against market volatility. Conversely, risks such as high leverage and declining profitability metrics could impact investor sentiment and operational stability. The company must focus on enhancing its financing margins and managing costs to restore profitability levels. Should CreditAccess Grameen successfully implement strategies to optimize its operational efficiency and address its financial ratios, it could emerge as a leader in the microfinance sector. However, failure to adapt to market conditions and improve profitability could hinder its growth potential and investor confidence.
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 | 3,191 Cr. | 187 | 199/119 | 158 | 0.00 % | 5.80 % | 8.19 % | 10.0 | |
| Satin Creditcare Network Ltd | 1,670 Cr. | 151 | 176/131 | 12.4 | 237 | 0.00 % | 11.9 % | 7.53 % | 10.0 |
| CreditAccess Grameen Ltd | 20,789 Cr. | 1,299 | 1,490/750 | 156 | 448 | 0.00 % | 9.55 % | 7.86 % | 10.0 |
| Industry Average | 8,550.00 Cr | 545.67 | 84.20 | 281.00 | 0.00% | 9.08% | 7.86% | 10.00 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 812 | 908 | 1,065 | 1,170 | 1,247 | 1,292 | 1,457 | 1,512 | 1,453 | 1,380 | 1,407 | 1,463 | 1,508 |
| Interest | 273 | 314 | 346 | 385 | 424 | 442 | 482 | 510 | 485 | 475 | 478 | 482 | 480 |
| Expenses | 299 | 293 | 311 | 309 | 342 | 365 | 434 | 453 | 700 | 1,020 | 864 | 885 | 845 |
| Financing Profit | 240 | 301 | 409 | 477 | 481 | 486 | 542 | 549 | 269 | -115 | 65 | 96 | 184 |
| Financing Margin % | 30% | 33% | 38% | 41% | 39% | 38% | 37% | 36% | 18% | -8% | 5% | 7% | 12% |
| Other Income | 2 | 2 | 1 | 1 | 1 | 3 | 2 | 1 | 1 | 2 | 1 | 1 | 1 |
| Depreciation | 13 | 13 | 12 | 12 | 12 | 13 | 14 | 14 | 17 | 16 | 15 | 15 | 16 |
| Profit before tax | 229 | 290 | 398 | 465 | 469 | 476 | 529 | 535 | 252 | -129 | 51 | 81 | 169 |
| Tax % | 24% | 26% | 25% | 26% | 26% | 26% | 25% | 26% | 26% | -23% | 8% | 26% | 26% |
| Net Profit | 175 | 216 | 297 | 346 | 349 | 353 | 397 | 398 | 186 | -100 | 47 | 60 | 126 |
| EPS in Rs | 11.22 | 13.82 | 18.98 | 22.16 | 21.95 | 22.20 | 24.91 | 24.95 | 11.67 | -6.24 | 2.96 | 3.77 | 7.87 |
| 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% | 3.65% |
| Net NPA % | 0.47% | 0.35% | 0.27% | 0.24% | 0.29% | 0.35% | 0.45% | 0.76% | 1.28% | 1.73% | 1.78% | 1.26% |
Last Updated: January 2, 2026, 1:04 am
Below is a detailed analysis of the quarterly data for CreditAccess Grameen Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Interest, as of Sep 2025, the value is 480.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 482.00 Cr. (Jun 2025) to 480.00 Cr., marking a decrease of 2.00 Cr..
- For Expenses, as of Sep 2025, the value is 845.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 885.00 Cr. (Jun 2025) to 845.00 Cr., marking a decrease of 40.00 Cr..
- For Other Income, as of Sep 2025, the value is 1.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 1.00 Cr..
- For Depreciation, as of Sep 2025, the value is 16.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 15.00 Cr. (Jun 2025) to 16.00 Cr., marking an increase of 1.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 169.00 Cr.. The value appears strong and on an upward trend. It has increased from 81.00 Cr. (Jun 2025) to 169.00 Cr., marking an increase of 88.00 Cr..
- For Tax %, as of Sep 2025, the value is 26.00%. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 26.00%.
- For Net Profit, as of Sep 2025, the value is 126.00 Cr.. The value appears strong and on an upward trend. It has increased from 60.00 Cr. (Jun 2025) to 126.00 Cr., marking an increase of 66.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 7.87. The value appears strong and on an upward trend. It has increased from 3.77 (Jun 2025) to 7.87, marking an increase of 4.10.
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: 156 (Industry average Stock P/E: 84.2)
- 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 16 January 2026) is ₹4482.45 which is 245.07% higher the current market price of ₹1,299.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹20,789 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 20,789 Cr..
What is the current Stock Price of CreditAccess Grameen Ltd as on 16 January 2026?
The current stock price of CreditAccess Grameen Ltd as on 16 January 2026 is ₹1,299.
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 156.
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.