Share Price and Basic Stock Data
Last Updated: December 6, 2025, 8:41 pm
| PEG Ratio | -13.17 |
|---|
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, catering primarily to financially underserved segments of society. The company has shown impressive growth in revenue, with figures rising from ₹2,669 Cr in FY 2022 to ₹3,487 Cr in FY 2023. This upward trajectory continued with a reported revenue of ₹5,167 Cr for FY 2024, underscoring a robust demand for microfinance services. The quarterly revenue also reflects a consistent increase, peaking at ₹1,457 Cr in March 2024. The latest reported quarterly figure for September 2023 was ₹1,247 Cr, indicating steady growth. Such a trend not only highlights the company’s market resilience but also its ability to tap into the increasing need for financial inclusion, especially amidst a recovering economy post-pandemic. The company appears well-positioned to capitalize on this growth, given its extensive network and established reputation.
Profitability and Efficiency Metrics
Profitability metrics for CreditAccess Grameen reveal a mixed performance, with net profit rising from ₹353 Cr in FY 2022 to ₹826 Cr in FY 2023, yet declining to ₹531 Cr in FY 2025. This fluctuation raises questions about the sustainability of profit margins. The net profit margin stood at 9.23% in FY 2025, a significant drop from the previous year’s 27.98%. Interest expenses have also grown, reported at ₹1,955 Cr for FY 2025, which could be squeezing margins. The financing margin, a key indicator, reported a notable dip to 13% in FY 2025 from 38% in FY 2024. This decline suggests possible challenges in managing operational costs or competitive pressures within the microfinance sector. Despite these challenges, the return on equity (ROE) at 7.86% and return on capital employed (ROCE) at 9.55% indicate that the company is still generating reasonable returns for its shareholders, although they may need to focus on improving these metrics moving forward.
Balance Sheet Strength and Financial Ratios
The balance sheet of CreditAccess Grameen shows a significant increase in total liabilities, rising to ₹27,802 Cr in FY 2025 from ₹21,858 Cr in FY 2023. This rapid growth in borrowings, which stood at ₹20,446 Cr in FY 2025, raises concerns about leverage and financial stability, particularly as the debt-to-equity ratio is reported at a high 2.94. On the positive side, the company has built its reserves to ₹7,004 Cr, providing a buffer against potential downturns. The interest coverage ratio of 1.40x indicates that while the company can cover its interest obligations, it operates with limited flexibility. The book value per share has also risen to ₹435.51, reflecting the company’s capability to maintain its asset base amidst increasing liabilities. Investors should remain cautious, however, as high leverage can amplify risks during periods of economic uncertainty.
Shareholding Pattern and Investor Confidence
The shareholding pattern of CreditAccess Grameen reveals a stable yet somewhat concentrated ownership structure. Promoters hold a substantial 66.37% stake, which suggests a strong commitment to the company’s long-term vision. However, the decreasing trend from 73.71% in December 2022 to the current level raises questions about potential dilution of control or changes in strategic direction. Foreign Institutional Investors (FIIs) have increased their stake from 9.60% to 12.29%, reflecting growing confidence in the company’s prospects. Domestic Institutional Investors (DIIs) also hold a respectable 13.33% stake. The increase in public shareholders to 83,943 indicates rising retail interest, which can be a positive sign for liquidity and market perception. Overall, while the shift in promoter holding is noteworthy, the growing institutional presence could provide a stabilizing effect, enhancing investor confidence in the company’s future.
Outlook, Risks, and Final Insight
As CreditAccess Grameen navigates the complexities of the microfinance landscape, several factors could influence its future trajectory. On one hand, the ongoing demand for financial inclusion in India presents a significant growth opportunity, particularly as the economy recovers. However, the increasing competition and potential regulatory changes in the microfinance sector pose risks that could impact profitability. Moreover, the company’s high leverage could become a concern in an environment of rising interest rates, potentially straining its financials further. Investors might view the stock as a mixed bag—while the growth story remains compelling, the volatility in profitability and the heavy reliance on debt warrant caution. As such, a careful assessment of how these dynamics play out will be crucial for any investor looking to engage with CreditAccess Grameen in the coming quarters.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of CreditAccess Grameen Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Muthoot Microfin Ltd | 3,151 Cr. | 185 | 199/119 | 158 | 0.00 % | 5.80 % | 8.19 % | 10.0 | |
| Satin Creditcare Network Ltd | 1,595 Cr. | 144 | 176/131 | 11.9 | 237 | 0.00 % | 11.9 % | 7.53 % | 10.0 |
| CreditAccess Grameen Ltd | 20,653 Cr. | 1,291 | 1,490/750 | 154 | 448 | 0.00 % | 9.55 % | 7.86 % | 10.0 |
| Industry Average | 8,466.33 Cr | 540.00 | 82.95 | 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: October 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 | 5,703 |
| Interest | 72 | 129 | 208 | 317 | 354 | 417 | 575 | 745 | 987 | 1,216 | 1,738 | 1,955 | 1,919 |
| Expenses | 50 | 76 | 126 | 264 | 184 | 361 | 639 | 1,069 | 1,235 | 1,179 | 1,444 | 3,030 | 3,469 |
| Financing Profit | 24 | 74 | 130 | 128 | 332 | 504 | 470 | 214 | 447 | 1,092 | 1,984 | 767 | 314 |
| Financing Margin % | 16% | 26% | 28% | 18% | 38% | 39% | 28% | 11% | 17% | 31% | 38% | 13% | 6% |
| 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 | 63 |
| Profit before tax | 25 | 75 | 130 | 124 | 328 | 498 | 451 | 194 | 481 | 1,105 | 1,939 | 709 | 255 |
| 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 | 194 |
| 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 | 12.16 |
| 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 - No data available for this post.
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 | 1,642,957 | 1.34 | 216.13 | 1,642,957 | 2025-04-22 17:25:38 | 0% |
| PGIM India Midcap Opportunities Fund | 1,036,700 | 1.46 | 136.38 | 1,036,700 | 2025-04-22 17:25:38 | 0% |
| Axis Business Cycles Fund | 762,926 | 3.96 | 100.36 | 762,926 | 2025-04-22 17:25:38 | 0% |
| UTI Mid Cap Fund | 635,409 | 0.93 | 83.59 | 635,409 | 2025-04-22 06:17:27 | 0% |
| Tata Mid Cap Growth Fund - Regular Plan | 500,000 | 2.61 | 65.78 | 500,000 | 2025-04-22 06:17:27 | 0% |
| Edelweiss Balanced Advantage Fund | 485,577 | 0.67 | 63.88 | 485,577 | 2025-04-22 17:25:38 | 0% |
| Edelweiss Mid Cap Fund | 479,898 | 1.66 | 63.13 | 479,898 | 2025-04-22 06:17:27 | 0% |
| SBI Magnum Equity ESG Fund | 446,073 | 1.17 | 58.68 | 446,073 | 2025-04-22 06:17:27 | 0% |
| PGIM India Flexi Cap Fund | 427,900 | 0.97 | 56.29 | 427,900 | 2025-04-22 06:17:27 | 0% |
| UTI Small Cap Fund | 420,147 | 1.74 | 55.27 | 420,147 | 2025-04-22 06:17:27 | 0% |
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
Unable to fetch valid data for stock valuation.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: 154 (Industry average Stock P/E: 55.3)
- 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%
Fundamental Analysis of CreditAccess Grameen Ltd
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Microfinance Institutions | No.49, 46th Cross, 8th Block, Bengaluru Karnataka 560071 | info@cagrameen.in http://www.creditaccessgrameen.in |
| Management | |
|---|---|
| Name | Position Held |
| Mr. George Joseph | Chairman & Ind.Director |
| Mr. Paolo Brichetti | Vice Chairman & Non Exe.Dire |
| Mr. Udaya Kumar Hebbar | Managing Director & CEO |
| Mr. Manoj Kumar | Independent Director |
| Ms. Jessie Paul | Independent Director |
| Ms. Rekha Gopal Warriar | Independent Director |
| Mr. Massimo Vita | Nominee Director |
| Mr. Sumit Kumar | Nominee Director |
CreditAccess Grameen Ltd. Share Price Update | |
|---|---|
| Share Price | Value |
| Today | ₹1,416.30 |
| Previous Day | ₹1,423.45 |
FAQ
What is the intrinsic value of CreditAccess Grameen Ltd?
CreditAccess Grameen Ltd's intrinsic value (as of 06 December 2025) is 4424.98 which is 242.76% higher the current market price of 1,291.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 20,653 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 20,653 Cr..
What is the current Stock Price of CreditAccess Grameen Ltd as on 06 December 2025?
The current stock price of CreditAccess Grameen Ltd as on 06 December 2025 is 1,291.
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 154.
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.