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CreditAccess Grameen Limited CREDITACC NIFTY_SMALLNSEFINANCIAL

Financial Services · Credit Services · India
https://www.creditaccessgrameen.in

CreditAccess Grameen Limited, a non-banking financial company, provides micro finance services for women from poor and low-income households in India. The company offers microcredit loans for income generation, home improvement, emergency, family welfare, and Grameen Unnati, as well as Grameen Suraksha, Grameen Sanchay, life insurance, and national pension schemes. It also provides retail finance loans, such as Grameen Vikas, Unnati loan, Grameen two-wheeler, and Grameen housing loan. In addition, the company offers digital lending products comprising Grameen Mahi, a customer app, Pragathi digital and multi-purpose digital loans. The company was formerly known as Grameen Koota Financial Services Private Limited and changed its name to CreditAccess Grameen Limited in January 2018. CreditAccess Grameen Limited was incorporated in 1991 and is headquartered in Bengaluru, India. CreditAccess Grameen Limited is a subsidiary of CreditAccess India BV.

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₹1,295.50
+10.86% 1Y

Market & Price

Market Cap
₹20,738.36 Cr
Current Price
₹1,295.50
High / Low (52W)
₹1,523.70 / ₹1,113.30
Beta
0.22

Valuation

Stock P/E
153.86
Industry PE
19.12
Forward P/E
10.52
PEG Ratio
-
Book Value
₹489.63
Price to Book
2.65
P/S
8.68
EV/EBITDA
-
Dividend Yield
-

Profitability & Returns

ROCE
8.34%
ROE
10.51%
ROA
2.60%
Profit Margin
32.56%
Op Margin
56.67%
EPS (Latest Qtr)
₹21.11
EPS (TTM)
₹8.42

Balance Sheet & Liquidity

Debt/Equity
3.03
Quick Ratio
286.35
Current Ratio
286.65
Debt
₹23,752.03 Cr
Total Assets
₹31,930.23 Cr
Current Assets
₹29,250.78 Cr
Working Capital
₹29,017.33 Cr

Ownership

Promoter Holding
66.22%
Chg in Prom Hold
-
FII / Inst Holding
17.21%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
₹42,605.02 Cr
Total Revenue (TTM)
₹2,388.06 Cr
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
₹-2,770.21 Cr
Shares Outstanding
₹16.01 Cr
Gross Margin
99.87%
Payout Ratio
0.00%

Growth (CAGR)

Revenue 5Y
21.40%
Profit 5Y
-1.99%
Revenue (YoY)
125.90%
Earnings (YoY)
616.20%

PROS

  • Excellent profit margin of 32.6%.
  • Compounding revenue at 21.4% over 5 years.

CONS

  • Trading at a high P/E of 153.9.
  • Earnings shrank at -2.0% CAGR over 5 years.
  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

NSE TradingView Screener.in

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 CREDITACC CreditAccess Grameen Limited NIFTY_SMALLNSEFINANCIAL 1,295.50 153.86 ₹20,738.36 Cr - 8.34% 10.51% 21.40% -1.99%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 744.55 16.61 ₹11.46 L Cr 1.75% - 13.82% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,256.40 16.81 ₹9.01 L Cr 0.88% - 16.36% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 964.40 10.58 ₹8.90 L Cr 1.80% - 15.48% 12.19% 14.39%
5 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 384.20 19.80 ₹3.82 L Cr 0.13% - 11.39% 14.58% 8.92%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 411.35 9.06 ₹2.60 L Cr 2.43% - 42.36% 7.61% 16.86%
7 SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL 947.15 17.79 ₹2.23 L Cr 1.46% - 16.38% 15.48% 18.59%
8 SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL 1,830.10 74.06 ₹1.84 L Cr 0.15% - 13.70% 11.67% 12.81%
9 ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL 3,538.50 53.19 ₹1.75 L Cr 0.70% 98.30% 85.80% 28.94% 29.58%
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Quarterly Results

Figures in INR.

Metric Dec 2024Mar 2025Jun 2025Dec 2025Mar 2026
Revenue 1,363.65 Cr1,386.59 Cr1,414.36 Cr1,468.52 Cr1,573.29 Cr
Cost of Revenue 653.87 Cr653.28 Cr704.34 Cr686.75 Cr690.89 Cr
Gross Profit 709.78 Cr733.31 Cr710.02 Cr781.77 Cr882.40 Cr
Operating Expenses 105.13 Cr120.44 Cr106.32 Cr124.07 Cr127.38 Cr
Operating Income 604.65 Cr612.87 Cr603.70 Cr657.70 Cr755.02 Cr
EBITDA 620.18 Cr628.03 Cr618.92 Cr674.08 Cr770.71 Cr
Interest Expense -----
Pretax Income -128.93 Cr51.00 Cr81.12 Cr337.92 Cr445.00 Cr
Tax Provision -29.41 Cr3.87 Cr20.93 Cr85.83 Cr105.45 Cr
Net Income -99.52 Cr47.21 Cr60.19 Cr252.09 Cr339.55 Cr
Diluted EPS -6.242.953.7615.6821.11

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue -3,296.98 Cr4,904.97 Cr5,648.39 Cr5,898.52 Cr
Cost of Revenue -1,510.25 Cr2,101.60 Cr2,679.02 Cr2,781.37 Cr
Gross Profit -1,786.73 Cr2,803.37 Cr2,969.37 Cr3,117.15 Cr
Operating Expenses -371.84 Cr450.25 Cr438.74 Cr472.57 Cr
Operating Income -1,414.89 Cr2,353.12 Cr2,530.63 Cr2,644.58 Cr
EBITDA -1,313.95 Cr2,208.18 Cr2,592.85 Cr2,707.66 Cr
Interest Expense 186.52 Cr158.69 Cr217.85 Cr197.86 Cr-
Pretax Income -1,105.42 Cr1,939.18 Cr708.87 Cr1,033.20 Cr
Tax Provision -279.36 Cr493.25 Cr177.47 Cr255.56 Cr
Net Income -826.06 Cr1,445.93 Cr531.40 Cr777.64 Cr
Diluted EPS 22.2051.8290.4133.24-

Compounded Sales Growth

5 Years:21.40%
1 Year:125.90%

Compounded Profit Growth

5 Years:-1.99%
1 Year:616.20%

Stock Price Performance

1 Year:+10.86%
6 Months:-6.95%
3 Months:+0.09%
1 Month:+0.49%

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets -21,858.10 Cr28,870.83 Cr27,802.45 Cr31,930.23 Cr
Current Assets -13,045.85 Cr18,087.92 Cr16,742.30 Cr29,250.78 Cr
Cash & Equivalents -1,341.41 Cr1,107.29 Cr1,271.49 Cr1,151.58 Cr
Inventory -----
Receivables -----
Total Liabilities -16,751.13 Cr22,300.85 Cr20,846.48 Cr24,087.98 Cr
Current Liabilities -8,313.47 Cr10,219.97 Cr10,744.52 Cr233.45 Cr
Long Term Debt -8,352.66 Cr11,970.48 Cr9,985.24 Cr23,641.13 Cr
Total Debt -16,312.26 Cr21,841.01 Cr20,445.77 Cr23,641.13 Cr
Total Equity -5,106.97 Cr6,569.98 Cr6,955.97 Cr7,842.25 Cr
Shares Outstanding -15.89 Cr15.94 Cr15.97 Cr16.01 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow --3,289.78 Cr-4,733.78 Cr1,125.24 Cr-2,770.21 Cr
Investing Cash Flow --314.43 Cr-994.20 Cr708.34 Cr-100.65 Cr
Financing Cash Flow -3,365.07 Cr5,493.86 Cr-1,669.38 Cr2,750.95 Cr
Capital Expenditure --17.32 Cr-20.31 Cr-33.65 Cr-17.60 Cr
Free Cash Flow --3,307.10 Cr-4,754.09 Cr1,091.59 Cr-2,787.81 Cr
Net Change in Cash --239.14 Cr-234.12 Cr164.20 Cr-119.91 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % -54.2%57.2%52.6%52.8%
Operating Margin % -42.9%48.0%44.8%44.8%
Net Margin % -25.1%29.5%9.4%13.2%
ROE % -16.2%22.0%7.6%9.9%
ROCE % -10.4%12.6%14.8%8.3%

Shareholding Pattern

Insiders
66.22%
Institutions
17.21%
Public Float
50.96%

Analyst View

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