Share Price and Basic Stock Data
Last Updated: February 3, 2026, 2:04 am
| PEG Ratio | -2.27 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
CreditAccess Grameen Ltd operates in the microfinance sector, focusing on providing financial services to underserved populations. As of September 2023, the company’s revenue stood at ₹1,247 Cr, reflecting a steady growth trajectory from ₹812 Cr in September 2022. Quarterly revenue has shown consistent increases, with the latest figures for December 2023 projected at ₹1,292 Cr, indicating a robust demand for microfinance products. For the fiscal year ending March 2025, total revenue is reported at ₹5,752 Cr, up from ₹5,167 Cr in the previous year. This growth can be attributed to a strategic focus on expanding its customer base and enhancing product offerings, aligning with the increasing financial inclusion trends in India. The company’s revenue from operations per share has also seen an increase, recorded at ₹360.15 as of March 2025, compared to ₹324.17 the previous year, reflecting its operational efficiency and market penetration.
Profitability and Efficiency Metrics
CreditAccess Grameen reported a net profit of ₹134 Cr for the fiscal year ending March 2025, with earnings per share (EPS) at ₹33.27. This marks a decline from the prior year’s net profit of ₹531 Cr, highlighting challenges in maintaining profitability amidst rising operational costs. The financing profit margin for March 2025 was recorded at 13%, down from 38% the previous year, signaling compressions in margins due to increased expenses and competitive pricing pressures. The company’s return on equity (ROE) for March 2025 stood at 7.63%, a decrease from 22% in March 2024, reflecting diminished profitability relative to shareholders’ equity. However, the interest coverage ratio remains at 1.40, suggesting that the company can meet its interest obligations, albeit with less buffer than in previous periods. The gross NPA ratio increased to 4.76% by March 2025, indicating potential credit risk challenges that may impact future profitability.
Balance Sheet Strength and Financial Ratios
As of March 2025, CreditAccess Grameen’s total assets were reported at ₹27,802 Cr, supported by total liabilities of ₹27,679 Cr, indicating a stable balance sheet structure. The company’s reserves have grown to ₹7,004 Cr, up from ₹6,796 Cr in the previous year, underscoring its ability to accumulate retained earnings. The debt-to-equity ratio stood at 2.94, suggesting a high reliance on borrowed funds, typical for microfinance institutions, but raising concerns about financial leverage. The price-to-book value ratio was reported at 2.19x, indicating that the market values the company at a premium relative to its book value, which stood at ₹435.51 per share. This valuation reflects investor confidence in the company’s growth prospects despite recent profitability challenges. Additionally, the current ratio of 1.29 suggests adequate liquidity to meet short-term obligations, while the interest coverage ratio of 1.40 indicates sufficient earnings to cover interest expenses.
Shareholding Pattern and Investor Confidence
CreditAccess Grameen’s shareholding structure reveals a strong promoter backing of 66.37% as of September 2025, which has gradually declined from 73.71% in December 2022. This reduction may reflect a strategic shift to enhance liquidity and attract institutional investors. Foreign institutional investors (FIIs) have increased their stake to 12.29%, while domestic institutional investors (DIIs) hold 13.33%. The public shareholding is at 8.02%, indicating a relatively concentrated ownership structure. The number of shareholders has grown significantly, reaching 83,943 by September 2025, compared to 40,891 in December 2022, reflecting increased retail interest. This growing shareholder base may enhance liquidity and bolster confidence in the stock, particularly as the company navigates through profitability fluctuations. The gradual increase in institutional ownership could also signal confidence in the company’s long-term potential, despite current challenges.
Outlook, Risks, and Final Insight
Looking ahead, CreditAccess Grameen faces both growth opportunities and risks. The company’s focus on expanding its microfinance offerings aligns well with India’s ongoing push for financial inclusion, potentially driving revenue growth. However, rising NPAs and declining profitability margins pose significant risks that could impact future performance. The increasing competition in the microfinance sector may also exert pressure on pricing and margins. While the company’s current ratio indicates liquidity resilience, its high debt levels may limit financial flexibility during economic downturns. If CreditAccess Grameen can effectively manage its credit risk and operational expenses, it may stabilize its profitability and maintain its growth trajectory. Conversely, failure to address these risks could lead to deteriorating financial health and investor confidence, potentially impacting its market position in the long term.
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 | 2,956 Cr. | 173 | 199/119 | 158 | 0.00 % | 5.80 % | 8.19 % | 10.0 | |
| Satin Creditcare Network Ltd | 1,701 Cr. | 154 | 176/131 | 8.86 | 237 | 0.00 % | 11.9 % | 7.53 % | 10.0 |
| CreditAccess Grameen Ltd | 19,940 Cr. | 1,245 | 1,497/848 | 41.1 | 448 | 0.00 % | 9.55 % | 7.86 % | 10.0 |
| Industry Average | 8,199.00 Cr | 524.00 | 24.98 | 281.00 | 0.00% | 9.08% | 7.86% | 10.00 |
Quarterly Result
| Metric | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 908 | 1,065 | 1,170 | 1,247 | 1,292 | 1,457 | 1,512 | 1,453 | 1,380 | 1,407 | 1,463 | 1,508 | 1,490 |
| Interest | 314 | 346 | 385 | 424 | 442 | 482 | 510 | 485 | 475 | 478 | 482 | 480 | 459 |
| Expenses | 293 | 311 | 309 | 342 | 365 | 434 | 453 | 700 | 1,020 | 864 | 885 | 845 | 678 |
| Financing Profit | 301 | 409 | 477 | 481 | 486 | 542 | 549 | 269 | -115 | 65 | 96 | 184 | 353 |
| Financing Margin % | 33% | 38% | 41% | 39% | 38% | 37% | 36% | 18% | -8% | 5% | 7% | 12% | 24% |
| Other Income | 2 | 1 | 1 | 1 | 3 | 2 | 1 | 1 | 2 | 1 | 1 | 1 | 1 |
| Depreciation | 13 | 12 | 12 | 12 | 13 | 14 | 14 | 17 | 16 | 15 | 15 | 16 | 16 |
| Profit before tax | 290 | 398 | 465 | 469 | 476 | 529 | 535 | 252 | -129 | 51 | 81 | 169 | 338 |
| Tax % | 26% | 25% | 26% | 26% | 26% | 25% | 26% | 26% | -23% | 8% | 26% | 26% | 25% |
| Net Profit | 216 | 297 | 346 | 349 | 353 | 397 | 398 | 186 | -100 | 47 | 60 | 126 | 252 |
| EPS in Rs | 13.82 | 18.98 | 22.16 | 21.95 | 22.20 | 24.91 | 24.95 | 11.67 | -6.24 | 2.96 | 3.77 | 7.87 | 15.75 |
| Gross NPA % | 1.48% | 1.21% | 0.89% | 0.77% | 0.97% | 1.18% | 1.46% | 2.44% | 3.99% | 4.76% | 4.70% | 3.65% | 4.04% |
| Net NPA % | 0.35% | 0.27% | 0.24% | 0.29% | 0.35% | 0.45% | 0.76% | 1.28% | 1.73% | 1.78% | 1.26% | 1.36% |
Last Updated: February 6, 2026, 6:46 am
Below is a detailed analysis of the quarterly data for CreditAccess Grameen Ltd based on the most recent figures (Dec 2025) and their trends compared to the previous period:
- For Interest, as of Dec 2025, the value is 459.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 480.00 Cr. (Sep 2025) to 459.00 Cr., marking a decrease of 21.00 Cr..
- For Expenses, as of Dec 2025, the value is 678.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 845.00 Cr. (Sep 2025) to 678.00 Cr., marking a decrease of 167.00 Cr..
- For Other Income, as of Dec 2025, the value is 1.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2025) which recorded 1.00 Cr..
- For Depreciation, as of Dec 2025, the value is 16.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2025) which recorded 16.00 Cr..
- For Profit before tax, as of Dec 2025, the value is 338.00 Cr.. The value appears strong and on an upward trend. It has increased from 169.00 Cr. (Sep 2025) to 338.00 Cr., marking an increase of 169.00 Cr..
- For Tax %, as of Dec 2025, the value is 25.00%. The value appears to be improving (decreasing) as expected. It has decreased from 26.00% (Sep 2025) to 25.00%, marking a decrease of 1.00%.
- For Net Profit, as of Dec 2025, the value is 252.00 Cr.. The value appears strong and on an upward trend. It has increased from 126.00 Cr. (Sep 2025) to 252.00 Cr., marking an increase of 126.00 Cr..
- For EPS in Rs, as of Dec 2025, the value is 15.75. The value appears strong and on an upward trend. It has increased from 7.87 (Sep 2025) to 15.75, marking an increase of 7.88.
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 | 0.74 | 195.2 | 1,642,957 | 2025-12-07 22:19:29 | -6.71% |
| Canara Robeco Small Cap Fund | 1,323,847 | 1.29 | 168.61 | N/A | N/A | N/A |
| Canara Robeco Large and Mid Cap Fund | 1,054,497 | 0.52 | 134.3 | 1,202,572 | 2026-01-25 01:39:51 | -12.31% |
| 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 | 101.12 | 1,334,795 | 2025-12-15 03:04:09 | -40.52% |
| Aditya Birla Sun Life Flexi Cap Fund | 772,449 | 0.39 | 98.38 | 720,331 | 2026-01-25 18:20:45 | 7.24% |
| HDFC Large and Mid Cap Fund | 720,141 | 0.32 | 91.72 | N/A | N/A | N/A |
| UTI Mid Cap Fund | 690,078 | 0.74 | 87.89 | 675,078 | 2026-01-25 22:17:50 | 2.22% |
| Invesco India Smallcap Fund | 646,256 | 0.89 | 82.31 | N/A | N/A | N/A |
| HDFC Retirement Savings Fund - Equity | 520,000 | 0.93 | 66.23 | 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: 41.1 (Industry average Stock P/E: 24.98)
- 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 06 February 2026) is ₹967.52 which is 22.29% lower the current market price of ₹1,245.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹19,940 Cr. market cap, FY2025-2026 high/low of ₹1,497/848, 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 19,940 Cr..
What is the current Stock Price of CreditAccess Grameen Ltd as on 06 February 2026?
The current stock price of CreditAccess Grameen Ltd as on 06 February 2026 is ₹1,245.
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 ₹1,497/848.
What is the Stock P/E of CreditAccess Grameen Ltd?
The Stock P/E of CreditAccess Grameen Ltd is 41.1.
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.