CreditAccess Grameen Ltd: Share Price Analysis, Intrinsic Value & Fundamentals (2025)

Share Price and Basic Stock Data

Last Updated: February 27, 2025, 2:52 pm

Market Cap	16,099 Cr.
Current Price	1,009
High / Low	1,553/750
Stock P/E	18.3
Book Value	438
Dividend Yield	0.94 %
ROCE	14.8 %
ROE	24.8 %
Face Value	10.0
PEG Ratio	0.67

Stock P/E, Current Price, and Intrinsic Value Over Time

Stock P/E Current Price Intrinsic Value

View Share Price Target for CreditAccess Grameen Ltd

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	2,294 Cr.	135	258/131	7.69	176	0.00 %	15.0 %	20.4 %	10.0
Satin Creditcare Network Ltd	1,631 Cr.	148	275/134	5.58	230	0.00 %	16.6 %	21.6 %	10.0
CreditAccess Grameen Ltd	16,099 Cr.	1,009	1,553/750	18.3	438	0.94 %	14.8 %	24.8 %	10.0
Industry Average	6,674.67 Cr	430.67		10.52	281.33	0.31%	15.47%	22.27%	10.00

All Competitor Stocks of CreditAccess Grameen Ltd

Quarterly Result

Metric	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023
Revenue	440	607	510	510	576	694	621	812	908	1,065	1,170	1,247	1,292
Interest	179	186	196	183	192	217	226	273	314	346	385	424	442
Expenses	351	317	268	224	206	267	209	299	293	311	309	342	365
Financing Profit	-91	104	46	103	177	210	186	240	301	409	477	481	486
Financing Margin %	-21%	17%	9%	20%	31%	30%	30%	30%	33%	38%	41%	39%	38%
Other Income	0	2	1	0	1	0	0	2	2	1	1	1	3
Depreciation	5	7	6	6	6	7	7	13	13	12	12	12	13
Profit before tax	-95	99	41	97	172	203	179	229	290	398	465	469	476
Tax %	25%	27%	27%	26%	25%	25%	26%	24%	26%	25%	26%	26%	26%
Net Profit	-72	72	30	72	129	151	133	175	216	297	346	349	353
EPS in Rs	-4.61	4.65	1.90	4.62	8.29	9.71	8.50	11.22	13.82	18.98	22.16	21.95	22.20
Gross NPA %	6.84%	4.38%	8.12%	7.18%	5.50%	3.12%		1.73%	1.48%		0.89%	0.77%
Net NPA %								0.47%			0.27%	0.24%

Last Updated: Unknown

Below is a detailed analysis of the quarterly data for CreditAccess Grameen Ltd based on the most recent figures (Dec 2023) and their trends compared to the previous period:

For Interest, as of Dec 2023, the value is ₹442.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from ₹424.00 Cr. (Sep 2023) to ₹442.00 Cr., marking an increase of ₹18.00 Cr..
For Expenses, as of Dec 2023, the value is ₹365.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from ₹342.00 Cr. (Sep 2023) to ₹365.00 Cr., marking an increase of ₹23.00 Cr..
For Other Income, as of Dec 2023, the value is ₹3.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹1.00 Cr. (Sep 2023) to ₹3.00 Cr., marking an increase of ₹2.00 Cr..
For Depreciation, as of Dec 2023, the value is ₹13.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from ₹12.00 Cr. (Sep 2023) to ₹13.00 Cr., marking an increase of ₹1.00 Cr..
For Profit before tax, as of Dec 2023, the value is ₹476.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹469.00 Cr. (Sep 2023) to ₹476.00 Cr., marking an increase of ₹7.00 Cr..
For Tax %, as of Dec 2023, the value is 26.00%. The value remains steady. There is no change compared to the previous period (Sep 2023) which recorded 26.00%.
For Net Profit, as of Dec 2023, the value is ₹353.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹349.00 Cr. (Sep 2023) to ₹353.00 Cr., marking an increase of ₹4.00 Cr..
For EPS in Rs, as of Dec 2023, the value is ₹22.20. The value appears strong and on an upward trend. It has increased from ₹21.95 (Sep 2023) to ₹22.20, marking an increase of ₹0.25.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: Unknown

Metric	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	TTM
Revenue	62	88	146	278	464	708	871	1,282	1,683	2,028	2,669	3,487	4,241
Interest	30	42	72	129	208	317	354	417	575	745	987	1,216	1,413
Expenses	32	39	50	76	126	264	184	361	639	1,069	1,235	1,179	1,190
Financing Profit	-1	7	24	74	130	128	332	504	470	214	447	1,092	1,638
Financing Margin %	-1%	7%	16%	26%	28%	18%	38%	39%	28%	11%	17%	31%	39%
Other Income	0	2	2	3	2	1	1	1	1	3	81	64	3
Depreciation	1	1	1	2	3	4	5	8	20	23	47	50	45
Profit before tax	-2	8	25	75	130	124	328	498	451	194	481	1,105	1,596
Tax %	-70%	-5%	33%	35%	36%	35%	35%	35%	27%	27%	27%	25%
Net Profit	-3	8	17	49	83	80	212	322	328	142	353	826	1,189
EPS in Rs	-1.17	2.00	3.14	6.68	11.41	9.37	16.54	22.41	22.75	9.15	22.65	52.87	75.73
Dividend Payout %	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2012-2013	2013-2014	2014-2015	2015-2016	2016-2017	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023
YoY Net Profit Growth (%)	366.67%	112.50%	188.24%	69.39%	-3.61%	165.00%	51.89%	1.86%	-56.71%	148.59%	133.99%
Change in YoY Net Profit Growth (%)	0.00%	-254.17%	75.74%	-118.85%	-73.00%	168.61%	-113.11%	-50.02%	-58.57%	205.30%	-14.60%

CreditAccess Grameen Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2012-2013 to 2022-2023.

Growth

Compounded Sales Growth
10 Years:	43%
5 Years:	32%
3 Years:	36%
TTM:	22%

Compounded Profit Growth
10 Years:	56%
5 Years:	35%
3 Years:	117%
TTM:	-35%

Stock Price CAGR
10 Years:	%
5 Years:	3%
3 Years:	9%
1 Year:	-34%

Return on Equity
10 Years:	16%
5 Years:	15%
3 Years:	18%
Last Year:	25%

Last Updated: Unknown

Balance Sheet

Last Updated: January 13, 2025, 3:52 pm

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Sep 2024
Equity Capital	40	53	73	73	86	128	144	144	156	156	159	159	159
Reserves	71	154	303	387	605	1,309	2,222	2,525	3,479	4,011	4,948	6,411	6,829
Borrowings	389	805	1,291	2,233	2,668	3,623	4,867	7,823	8,781	12,921	16,312	21,841	19,154
Other Liabilities	44	46	60	115	205	53	126	170	281	394	439	435	470
Total Liabilities	543	1,058	1,727	2,808	3,564	5,114	7,357	10,662	12,697	17,482	21,858	28,846	26,612
Fixed Assets	3	3	4	11	12	16	25	87	101	629	599	609	628
CWIP	0	0	2	0	3	1	2	3	1	3	4	5	0
Investments	0	0	0	0	0	0	0	661	663	1	455	1,439	1,303
Other Assets	540	1,055	1,720	2,796	3,549	5,096	7,330	9,911	11,932	16,849	20,801	26,794	24,682
Total Assets	543	1,058	1,727	2,808	3,564	5,114	7,357	10,662	12,697	17,482	21,858	28,846	26,612

Below is a detailed analysis of the balance sheet data for CreditAccess Grameen Ltd based on the most recent figures (Sep 2024) and their trends compared to the previous period:

For Equity Capital, as of Sep 2024, the value is ₹159.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded ₹159.00 Cr..
For Reserves, as of Sep 2024, the value is ₹6,829.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹6,411.00 Cr. (Mar 2024) to ₹6,829.00 Cr., marking an increase of ₹418.00 Cr..
For Borrowings, as of Sep 2024, the value is ₹19,154.00 Cr.. The value appears to be improving (decreasing). However, Borrowings exceed Reserves, which may signal higher financial risk. It has decreased from ₹21,841.00 Cr. (Mar 2024) to ₹19,154.00 Cr., marking a decrease of ₹2,687.00 Cr..
For Other Liabilities, as of Sep 2024, the value is ₹470.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from ₹435.00 Cr. (Mar 2024) to ₹470.00 Cr., marking an increase of ₹35.00 Cr..
For Total Liabilities, as of Sep 2024, the value is ₹26,612.00 Cr.. The value appears to be improving (decreasing). It has decreased from ₹28,846.00 Cr. (Mar 2024) to ₹26,612.00 Cr., marking a decrease of ₹2,234.00 Cr..
For Fixed Assets, as of Sep 2024, the value is ₹628.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹609.00 Cr. (Mar 2024) to ₹628.00 Cr., marking an increase of ₹19.00 Cr..
For CWIP, as of Sep 2024, the value is ₹0.00 Cr.. The value appears to be declining and may need further review. It has decreased from ₹5.00 Cr. (Mar 2024) to ₹0.00 Cr., marking a decrease of ₹5.00 Cr..
For Investments, as of Sep 2024, the value is ₹1,303.00 Cr.. The value appears to be declining and may need further review. It has decreased from ₹1,439.00 Cr. (Mar 2024) to ₹1,303.00 Cr., marking a decrease of ₹136.00 Cr..
For Other Assets, as of Sep 2024, the value is ₹24,682.00 Cr.. The value appears to be declining and may need further review. It has decreased from ₹26,794.00 Cr. (Mar 2024) to ₹24,682.00 Cr., marking a decrease of ₹2,112.00 Cr..
For Total Assets, as of Sep 2024, the value is ₹26,612.00 Cr.. The value appears to be declining and may need further review. It has decreased from ₹28,846.00 Cr. (Mar 2024) to ₹26,612.00 Cr., marking a decrease of ₹2,234.00 Cr..

However, the Borrowings (₹19,154.00 Cr.) are higher than the Reserves (₹6,829.00 Cr.), which may signal higher financial risk.

Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.

Reserves and Borrowings Chart

Cash Flow

Month	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Cash from Operating Activity +	-931	-425	-1,726	-1,378	-2,302	-364	-2,713	-3,290	-4,734
Cash from Investing Activity +	-4	-5	54	-7	-636	-32	-33	-314	-994
Cash from Financing Activity +	934	579	1,470	1,829	2,929	1,706	1,967	3,365	5,494
Net Cash Flow	-1	149	-202	444	-9	1,310	-780	-239	-234

Free Cash Flow

Month	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Free Cash Flow	32.00	-350.00	-755.00	75.00	124.00	262.00	181.00	357.00	632.00	-7.00	-11.00	-15.00

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.

Free Cash Flow Chart

Financial Efficiency Indicators

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
ROE %	10%	10%	17%	20%	14%	20%	17%	13%	5%	9%	18%	25%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Promoters	73.85%	73.82%	73.74%	73.71%	73.68%	66.77%	66.69%	66.66%	66.58%	66.56%	66.54%	66.50%
FIIs	8.24%	8.67%	9.33%	9.60%	9.67%	9.55%	11.46%	12.00%	11.65%	10.88%	10.76%	9.76%
DIIs	10.94%	10.75%	12.68%	12.53%	12.27%	11.90%	15.78%	15.79%	15.76%	16.25%	14.86%	14.17%
Public	6.97%	6.76%	4.25%	4.16%	4.38%	11.77%	6.08%	5.57%	6.01%	6.31%	7.83%	9.57%
No. of Shareholders	34,568	34,142	39,645	40,891	41,979	40,622	51,172	57,989	69,824	83,603	1,03,928	1,25,004

Shareholding Pattern Chart

No. of Shareholders

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	479,898	2025-02-25	242.36%
PGIM India Midcap Opportunities Fund	1,036,700	1.46	136.38	479,898	2025-02-25	116.03%
Axis Business Cycles Fund	762,926	3.96	100.36	479,898	2025-02-25	58.98%
UTI Mid Cap Fund	635,409	0.93	83.59	479,898	2025-02-25	32.41%
Tata Mid Cap Growth Fund - Regular Plan	500,000	2.61	65.78	479,898	2025-02-25	4.19%
Edelweiss Balanced Advantage Fund	485,577	0.67	63.88	479,898	2025-02-25	1.18%
Edelweiss Mid Cap Fund	479,898	1.66	63.13	479,898	2025-02-25	0%
SBI Magnum Equity ESG Fund	446,073	1.17	58.68	479,898	2025-02-25	-7.05%
PGIM India Flexi Cap Fund	427,900	0.97	56.29	479,898	2025-02-25	-10.84%
UTI Small Cap Fund	420,147	1.74	55.27	479,898	2025-02-25	-12.45%

ROCE Trend

EPS Trend

Key Financial Ratios

Month	Mar 24	Mar 23	Mar 22	Mar 21	Mar 20
FaceValue	10.00	10.00	10.00	10.00	10.00
Basic EPS (Rs.)	90.88	52.04	23.31	8.96	23.20
Diluted EPS (Rs.)	90.41	51.82	23.22	8.90	23.00
Cash EPS (Rs.)	93.93	55.12	25.94	11.28	24.71
Book Value[Excl.RevalReserv]/Share (Rs.)	412.22	321.37	261.50	244.01	197.46
Book Value[Incl.RevalReserv]/Share (Rs.)	412.22	321.37	261.50	244.01	197.46
Revenue From Operations / Share (Rs.)	324.17	223.09	175.97	158.18	118.36
PBDIT / Share (Rs.)	233.58	149.02	97.01	74.12	73.64
PBIT / Share (Rs.)	230.37	145.89	93.98	71.29	72.22
PBT / Share (Rs.)	121.67	69.56	30.84	11.60	32.06
Net Profit / Share (Rs.)	90.72	51.98	22.91	8.45	23.30
NP After MI And SOA / Share (Rs.)	90.72	51.98	23.29	8.61	23.16
PBDIT Margin (%)	72.05	66.79	55.13	46.85	62.21
PBIT Margin (%)	71.06	65.39	53.40	45.06	61.01
PBT Margin (%)	37.53	31.18	17.52	7.33	27.08
Net Profit Margin (%)	27.98	23.30	13.01	5.33	19.68
NP After MI And SOA Margin (%)	27.98	23.30	13.23	5.44	19.57
Return on Networth / Equity (%)	22.00	16.17	9.12	3.63	12.19
Return on Capital Employeed (%)	55.27	44.89	26.05	19.76	27.58
Return On Assets (%)	5.01	3.77	2.08	0.88	2.64
Long Term Debt / Equity (X)	0.00	0.00	0.37	0.48	0.32
Total Debt / Equity (X)	3.32	3.19	3.25	2.96	3.49
Asset Turnover Ratio (%)	0.20	0.18	0.15	0.16	0.18
Current Ratio (X)	1.26	1.26	1.41	1.52	1.35
Quick Ratio (X)	1.26	1.26	1.41	1.52	1.35
Interest Coverage Ratio (X)	2.15	1.95	1.54	1.24	1.83
Interest Coverage Ratio (Post Tax) (X)	1.83	1.68	1.36	1.14	1.58
Enterprise Value (Cr.)	43473.04	29417.68	24491.84	18992.64	13802.88
EV / Net Operating Revenue (X)	8.41	8.30	8.93	7.72	8.10
EV / EBITDA (X)	11.68	12.42	16.20	16.47	13.02
MarketCap / Net Operating Revenue (X)	4.44	4.10	4.83	4.24	2.86
Price / BV (X)	3.49	2.85	3.33	2.83	1.78
Price / Net Operating Revenue (X)	4.44	4.10	4.83	4.24	2.86
EarningsYield	0.06	0.05	0.02	0.01	0.06

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 24, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 23) which recorded 10.00.
For Basic EPS (Rs.), as of Mar 24, the value is 90.88. This value is within the healthy range. It has increased from 52.04 (Mar 23) to 90.88, marking an increase of 38.84.
For Diluted EPS (Rs.), as of Mar 24, the value is 90.41. This value is within the healthy range. It has increased from 51.82 (Mar 23) to 90.41, marking an increase of 38.59.
For Cash EPS (Rs.), as of Mar 24, the value is 93.93. This value is within the healthy range. It has increased from 55.12 (Mar 23) to 93.93, marking an increase of 38.81.
For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 412.22. It has increased from 321.37 (Mar 23) to 412.22, marking an increase of 90.85.
For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 412.22. It has increased from 321.37 (Mar 23) to 412.22, marking an increase of 90.85.
For Revenue From Operations / Share (Rs.), as of Mar 24, the value is 324.17. It has increased from 223.09 (Mar 23) to 324.17, marking an increase of 101.08.
For PBDIT / Share (Rs.), as of Mar 24, the value is 233.58. This value is within the healthy range. It has increased from 149.02 (Mar 23) to 233.58, marking an increase of 84.56.
For PBIT / Share (Rs.), as of Mar 24, the value is 230.37. This value is within the healthy range. It has increased from 145.89 (Mar 23) to 230.37, marking an increase of 84.48.
For PBT / Share (Rs.), as of Mar 24, the value is 121.67. This value is within the healthy range. It has increased from 69.56 (Mar 23) to 121.67, marking an increase of 52.11.
For Net Profit / Share (Rs.), as of Mar 24, the value is 90.72. This value is within the healthy range. It has increased from 51.98 (Mar 23) to 90.72, marking an increase of 38.74.
For NP After MI And SOA / Share (Rs.), as of Mar 24, the value is 90.72. This value is within the healthy range. It has increased from 51.98 (Mar 23) to 90.72, marking an increase of 38.74.
For PBDIT Margin (%), as of Mar 24, the value is 72.05. This value is within the healthy range. It has increased from 66.79 (Mar 23) to 72.05, marking an increase of 5.26.
For PBIT Margin (%), as of Mar 24, the value is 71.06. This value exceeds the healthy maximum of 20. It has increased from 65.39 (Mar 23) to 71.06, marking an increase of 5.67.
For PBT Margin (%), as of Mar 24, the value is 37.53. This value is within the healthy range. It has increased from 31.18 (Mar 23) to 37.53, marking an increase of 6.35.
For Net Profit Margin (%), as of Mar 24, the value is 27.98. This value exceeds the healthy maximum of 10. It has increased from 23.30 (Mar 23) to 27.98, marking an increase of 4.68.
For NP After MI And SOA Margin (%), as of Mar 24, the value is 27.98. This value exceeds the healthy maximum of 20. It has increased from 23.30 (Mar 23) to 27.98, marking an increase of 4.68.
For Return on Networth / Equity (%), as of Mar 24, the value is 22.00. This value is within the healthy range. It has increased from 16.17 (Mar 23) to 22.00, marking an increase of 5.83.
For Return on Capital Employeed (%), as of Mar 24, the value is 55.27. This value is within the healthy range. It has increased from 44.89 (Mar 23) to 55.27, marking an increase of 10.38.
For Return On Assets (%), as of Mar 24, the value is 5.01. This value is within the healthy range. It has increased from 3.77 (Mar 23) to 5.01, marking an increase of 1.24.
For Long Term Debt / Equity (X), as of Mar 24, 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 23) which recorded 0.00.
For Total Debt / Equity (X), as of Mar 24, the value is 3.32. This value exceeds the healthy maximum of 1. It has increased from 3.19 (Mar 23) to 3.32, marking an increase of 0.13.
For Asset Turnover Ratio (%), as of Mar 24, the value is 0.20. It has increased from 0.18 (Mar 23) to 0.20, marking an increase of 0.02.
For Current Ratio (X), as of Mar 24, the value is 1.26. This value is below the healthy minimum of 1.5. There is no change compared to the previous period (Mar 23) which recorded 1.26.
For Quick Ratio (X), as of Mar 24, the value is 1.26. This value is within the healthy range. There is no change compared to the previous period (Mar 23) which recorded 1.26.
For Interest Coverage Ratio (X), as of Mar 24, the value is 2.15. This value is below the healthy minimum of 3. It has increased from 1.95 (Mar 23) to 2.15, marking an increase of 0.20.
For Interest Coverage Ratio (Post Tax) (X), as of Mar 24, the value is 1.83. This value is below the healthy minimum of 3. It has increased from 1.68 (Mar 23) to 1.83, marking an increase of 0.15.
For Enterprise Value (Cr.), as of Mar 24, the value is 43,473.04. It has increased from 29,417.68 (Mar 23) to 43,473.04, marking an increase of 14,055.36.
For EV / Net Operating Revenue (X), as of Mar 24, the value is 8.41. This value exceeds the healthy maximum of 3. It has increased from 8.30 (Mar 23) to 8.41, marking an increase of 0.11.
For EV / EBITDA (X), as of Mar 24, the value is 11.68. This value is within the healthy range. It has decreased from 12.42 (Mar 23) to 11.68, marking a decrease of 0.74.
For MarketCap / Net Operating Revenue (X), as of Mar 24, the value is 4.44. This value exceeds the healthy maximum of 3. It has increased from 4.10 (Mar 23) to 4.44, marking an increase of 0.34.
For Price / BV (X), as of Mar 24, the value is 3.49. This value exceeds the healthy maximum of 3. It has increased from 2.85 (Mar 23) to 3.49, marking an increase of 0.64.
For Price / Net Operating Revenue (X), as of Mar 24, the value is 4.44. This value exceeds the healthy maximum of 3. It has increased from 4.10 (Mar 23) to 4.44, marking an increase of 0.34.
For EarningsYield, as of Mar 24, the value is 0.06. This value is below the healthy minimum of 5. It has increased from 0.05 (Mar 23) to 0.06, marking an increase of 0.01.

Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of CreditAccess Grameen Ltd as of February 27, 2025 is: ₹1,605.20

Calculation basis:

Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of February 27, 2025, CreditAccess Grameen Ltd is Undervalued by 59.09% compared to the current share price 1,009.00

Intrinsic Value of CreditAccess Grameen Ltd as of February 27, 2025 is: 2,041.67

Calculation basis:

Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of February 27, 2025, CreditAccess Grameen Ltd is Undervalued by 102.35% compared to the current share price ₹1,009.00

Last 5 Year EPS CAGR: 27.19%

*Investments are subject to market risks

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:
1. Net Profit Margin: 27.98%
  - 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.
2. ROCE: 55.27% (Industry Average ROCE: 15.47%)
  - 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.
3. ROE%: 22% (Industry Average ROE: 22.27%)
  - ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
4. Interest Coverage Ratio (Post Tax): 1.83
  - 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.
5. Quick Ratio: 1.26
  - 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.
6. Stock P/E: 18.3 (Industry average Stock P/E: 10.52)
  - 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.
7. Total Debt / Equity: 3.32
  - 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.
The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
Stock Rating:

About the Company - Qualitative Analysis

CreditAccess Grameen Ltd. is a Public Limited Listed company incorporated on 12/06/1991 and has its registered office in the State of Karnataka, India. Company's Corporate Identification Number(CIN) is L51216KA1991PLC053425 and registration number is 053425. Currently company belongs to the Industry of Micro Finance Institutions. Company's Total Operating Revenue is Rs. 5166.67 Cr. and Equity Capital is Rs. 159.38 Cr. for the Year ended 31/03/2024.

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
Ms. Rekha Gopal Warriar	Independent Director
Mr. Manoj Kumar	Independent Director
Ms. Lilian Jessie Paul	Independent Director
Mr. Sumit Kumar	Nominee Director
Mr. Massimo Vita	Nominee Director

FAQ

What is the latest intrinsic value of CreditAccess Grameen Ltd?

Let's break down CreditAccess Grameen Ltd's intrinsic value simply:

We calculate intrinsic value using the PE Ratio Method - comparing the company's current price-to-earnings ratio with its historical average and industry peers. Think of it like checking if a stock is "on sale" compared to its typical pricing.

As of 27 February 2025:

Calculated Fair Value: ₹1605.20
Current Market Price: ₹1,009.00
Variance: 59.09% higher

This suggests CreditAccess Grameen Ltd is currently undervalued by 59.09%. For context:

Market Cap: 16,099 Cr.
52-Week Range: 1,553/750
Reserves (Sep 2024): 6,829 Cr
Liabilities: 26,612 Cr

Remember: The PE method gives a snapshot based on earnings multiples. While useful for quick comparisons, investors should also consider growth prospects, industry trends, and economic conditions. This calculation assumes historical PE ratios remain relevant - always verify with current market dynamics.

What is the Market Cap of CreditAccess Grameen Ltd?

The Market Cap of CreditAccess Grameen Ltd is 16,099 Cr..

What is the current Stock Price of CreditAccess Grameen Ltd as on 27 February 2025?

The current stock price of CreditAccess Grameen Ltd as on 27 February 2025 is ₹1,009.

What is the High / Low of CreditAccess Grameen Ltd stocks in FY 2024-2025?

In FY 2024-2025, the High / Low of CreditAccess Grameen Ltd stocks is 1,553/750.

What is the Stock P/E of CreditAccess Grameen Ltd?

The Stock P/E of CreditAccess Grameen Ltd is 18.3.

What is the Book Value of CreditAccess Grameen Ltd?

The Book Value of CreditAccess Grameen Ltd is 438.

What is the Dividend Yield of CreditAccess Grameen Ltd?

The Dividend Yield of CreditAccess Grameen Ltd is 0.94 %.

What is the ROCE of CreditAccess Grameen Ltd?

The ROCE of CreditAccess Grameen Ltd is 14.8 %.

What is the ROE of CreditAccess Grameen Ltd?

The ROE of CreditAccess Grameen Ltd is 24.8 %.

What is the Face Value of CreditAccess Grameen Ltd?

The Face Value of CreditAccess Grameen Ltd is 10.0.