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Fundamental Analysis of CreditAccess Grameen Ltd

About the Company - CreditAccess Grameen Ltd

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 Finance & Investments. Company’s Total Operating Revenue is Rs. 2289.39 Cr. and Equity Capital is Rs. 155.87 Cr. for the Year ended 31/03/2022.
INDUSTRYADDRESSCONTACT
Finance & InvestmentsNo.49, 46th Cross, 8th Block, Bengaluru Karnataka 560071info@cagrameen.in
http://www.creditaccessgrameen.in
Management
NamePosition Held
Mr. George JosephChairman & Ind.Director
Mr. Paolo BrichettiVice Chairman & Non Exe.Dire
Mr. Udaya Kumar HebbarManaging Director & CEO
Mr. Manoj KumarIndependent Director
Ms. Jessie PaulIndependent Director
Ms. Rekha Gopal WarriarIndependent Director
Mr. Massimo VitaNominee Director
Mr. Sumit KumarNominee Director

CreditAccess Grameen Ltd. Share Price Update

Share PriceValue
Today₹1,722.25
Previous Day₹1,729.80

Basic Stock Data of CreditAccess Grameen Ltd

Market Cap 28,345 Cr.
Current Price 1,781
High / Low1,809/834
Stock P/E23.8
Book Value 364
Dividend Yield0.00 %
ROCE12.1 %
ROE17.8 %
Face Value 10.0

CreditAccess Grameen Ltd Quarterly Results

MonthSep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023
Revenue4714406075105105766946218127591,0651,1701,247
Interest191179186196183192217226273259346385424
Expenses169351317268224206267209299228311309342
Financing Profit110-9110446103177210186240272409477481
Financing Margin %23%-21%17%9%20%31%30%30%30%36%38%41%39%
Other Income1021010021111
Depreciation65766677138121212
Profit before tax105-95994197172203179229264398465469
Tax %25%25%27%27%26%25%25%26%24%25%25%26%26%
Net Profit78-72723072129151133175197297346349
EPS in Rs5.42-4.614.651.904.628.299.718.5011.2212.6418.9822.1621.95
Gross NPA %1.64%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%

CreditAccess Grameen Ltd Quarterly Chart

CreditAccess Grameen Ltd Profit & Loss

MonthMar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023TTM
Revenue62881462784647088711,2821,6832,0282,6693,4874,241
Interest3042721292083173544175757459871,2161,413
Expenses323950761262641843616391,0691,2351,1791,190
Financing Profit-1724741301283325044702144471,0921,638
Financing Margin %-1%7%16%26%28%18%38%39%28%11%17%31%39%
Other Income022321111381643
Depreciation111234582023475045
Profit before tax-2825751301243284984511944811,1051,596
Tax %-70%-5%33%35%36%35%35%35%27%27%27%25%
Net Profit-38174983802123223281423538261,189
EPS in Rs-1.172.003.146.6811.419.3716.5422.4122.759.1522.6552.8775.73
Dividend Payout %0%0%0%0%0%0%0%0%0%0%0%0%

CreditAccess Grameen Ltd Profit & Loss Yearly Chart

CreditAccess Grameen Ltd Growth

Compounded Sales Growth
10 Years::45%
5 Years::32%
3 Years::27%
TTM::57%

CreditAccess Grameen Ltd Growth

Compounded Profit Growth
10 Years::59%
5 Years::31%
3 Years::36%
TTM::102%

CreditAccess Grameen Ltd Growth

Stock Price CAGR
10 Years::%
5 Years::35%
3 Years::30%
1 Year::92%

CreditAccess Grameen Ltd Growth

Return on Equity
10 Years::13%
5 Years::12%
3 Years::11%
Last Year::18%

No data available for the Balance Sheet data table.

CreditAccess Grameen Ltd Reserves and Borrowings Chart

CreditAccess Grameen Ltd Cash Flow

MonthMar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023
Cash from Operating Activity -931-425-1,726-1,378-2,302-364-2,713-3,290
Cash from Investing Activity -4-554-7-636-32-33-314
Cash from Financing Activity 9345791,4701,8292,9291,7061,9673,365
Net Cash Flow-1149-202444-91,310-780-239

CreditAccess Grameen Ltd Financial Efficiency Indicators

MonthMar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023
ROE %10%10%17%20%14%20%17%13%5%9%18%

CreditAccess Grameen Ltd Financial Efficiency Indicators Chart

CreditAccess Grameen Ltd Share Holding Pattern

MonthDec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023
Promoters74.03%73.99%73.97%73.91%73.89%73.85%73.82%73.74%73.71%73.68%66.77%66.69%
FIIs9.52%10.14%10.08%9.29%8.84%8.24%8.67%9.33%9.60%9.67%9.55%11.46%
DIIs9.39%9.02%9.28%10.28%10.04%10.94%10.75%12.68%12.53%12.27%11.90%15.78%
Public7.06%6.86%6.67%6.52%7.23%6.97%6.76%4.25%4.16%4.38%11.77%6.08%
No. of Shareholders37,53638,45638,30040,03339,55934,56834,14239,64540,89141,97940,62251,172

CreditAccess Grameen Ltd Shareholding Pattern Chart

No. of CreditAccess Grameen Ltd Shareholders

CreditAccess Grameen Ltd Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)
Axis Small Cap Fund16429571.34216.13
PGIM India Midcap Opportunities Fund10367001.46136.38
Axis Business Cycles Fund7629263.96100.36
UTI Mid Cap Fund6354090.9383.59
Tata Mid Cap Growth Fund - Regular Plan5000002.6165.78
Edelweiss Balanced Advantage Fund4855770.6763.88
Edelweiss Mid Cap Fund4798981.6663.13
SBI Magnum Equity ESG Fund4460731.1758.68
PGIM India Flexi Cap Fund4279000.9756.29
UTI Small Cap Fund4201471.7455.27

CreditAccess Grameen Ltd ROCE Trend

CreditAccess Grameen Ltd EPS Trend

CreditAccess Grameen Ltd Key Financial Ratios

MonthMar 23Mar 22Mar 21Mar 20Mar 19
FaceValue10.0010.0010.0010.0010.00
Basic EPS (Rs.)52.0423.318.9623.2023.37
Diluted EPS (Rs.)51.8223.228.9023.0023.14
Cash EPS (Rs.)55.1225.9411.2824.7122.96
Book Value[Excl.RevalReserv]/Share (Rs.)321.37261.50244.01197.46164.76
Book Value[Incl.RevalReserv]/Share (Rs.)321.37261.50244.01197.46164.76
Revenue From Operations / Share (Rs.)223.09175.97158.18118.3689.32
PBDIT / Share (Rs.)149.0297.0174.1273.6464.25
PBIT / Share (Rs.)145.8993.9871.2972.2263.70
PBT / Share (Rs.)69.5630.8411.6032.0634.67
Net Profit / Share (Rs.)51.9822.918.4523.3022.41
NP After MI And SOA / Share (Rs.)51.9823.298.6123.1622.41
PBDIT Margin (%)66.7955.1346.8562.2171.92
PBIT Margin (%)65.3953.4045.0661.0171.31
PBT Margin (%)31.1817.527.3327.0838.81
Net Profit Margin (%)23.3013.015.3319.6825.09
NP After MI And SOA Margin (%)23.3013.235.4419.5725.09
Return on Networth / Equity (%)16.179.123.6312.1913.60
Return on Capital Employeed (%)44.8926.0519.7627.5830.68
Return On Assets (%)3.772.080.882.644.37
Long Term Debt / Equity (X)0.000.370.480.320.25
Total Debt / Equity (X)3.193.252.963.491.99
Asset Turnover Ratio (%)0.180.150.160.180.00
Current Ratio (X)1.261.411.521.351.66
Quick Ratio (X)1.261.411.521.351.66
Interest Coverage Ratio (%)1.951.541.241.832.21
Interest Coverage Ratio (Post Tax) (%)1.681.361.141.581.77
Enterprise Value (Cr.)29417.6824491.8418992.6413802.8811285.47
EV / Net Operating Revenue (X)8.308.937.728.108.80
EV / EBITDA (X)12.4216.2016.4713.0212.24
MarketCap / Net Operating Revenue (X)4.104.834.242.865.61
Price / BV (X)2.853.332.831.783.04
Price / Net Operating Revenue (X)4.104.834.242.865.61
EarningsYield0.050.020.010.060.04

CreditAccess Grameen Ltd Profitability Ratios (%)

CreditAccess Grameen Ltd Liquidity Ratios

CreditAccess Grameen Ltd Liquidity Ratios (%)

CreditAccess Grameen Ltd Interest Coverage Ratios (%)

CreditAccess Grameen Ltd Valuation Ratios

Fair Value of CreditAccess Grameen Ltd Stock

Fair Value: ₹1572.89

The stock is overvalued by 11.68% compared to the current price ₹1781

*Investments are subject to market risks

Strength and Weakness of CreditAccess Grameen Ltd Stock

Unable to fetch valid data for stock valuation.

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