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CreditAccess Grameen Limited CREDITACC NIFTY_SMALLNSEFINANCIAL

Financial Services · Credit Services · India
https://www.creditaccessgrameen.in
Company Profile ↓
₹1,142.40
-12.25% 1Y
Mkt Cap₹18,310.26 Cr
P/E15.18
P/B2.59
52W High₹1,614.00
52W Low₹1,134.90
Book Value₹489.54
EPS (TTM)₹75.27

Company Overview

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, Grameen Vishesh loan, 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.

Why Investors Should Care

Strong Return on Equity

Generates a return on equity of 16.4%, reflecting efficient use of shareholder capital.

Steady Revenue Expansion

Revenue has grown at a 20.9% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 15.2, below the sector median of 15.4.

Healthy Margins

Maintains a net profit margin of 39.8%.

Recent Developments

  • Mar 2026 Revenue of ₹5,833.23 Cr (+5.3% YoY); net profit ₹777.64 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +149.5%, earnings +715.2%.
  • 5-Year Trend Long-term compounding — revenue CAGR 20.9%, profit CAGR -2.0%.

Growth & Price Performance

Compounded Sales Growth

5 Years:20.95%
1 Year:149.50%

Compounded Profit Growth

5 Years:-1.99%
1 Year:715.20%

Stock Price Performance

1 Year:-12.25%
6 Months:-7.61%
3 Months:-23.27%
1 Month:-17.67%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bearish
52-Week Range 2% of range
₹1,134.90 ₹1,614.00
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • RSI (14)26.88 · Oversold
Price Performance
1M-17.67%
3M-23.27%
6M-7.61%
1Y-12.25%
Valuation vs Sector

P/E of 15.18 is below the sector median of 15.36 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 39.8%.
  • Compounding revenue at 20.9% over 5 years.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

  • Earnings shrank at -2.0% CAGR over 5 years.
  • Trading 29.2% below its 52-week high.

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

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Valuation

Stock P/E
15.18
Industry PE
15.36
Forward P/E
8.79
PEG Ratio
-
Book Value
₹489.54
Price to Book
2.59
P/S
6.68
EV/EBITDA
38.26
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
20.95%
Profit 5Y
-1.99%
Revenue (YoY)
149.50%
Earnings (YoY)
715.20%

Profitability & Returns

ROCE
6.28%
ROE
16.36%
ROA
2.44%
Profit Margin
39.81%
Op Margin
64.59%
Gross Margin
97.99%
EPS (Latest Qtr)
₹30.65
EPS (TTM)
₹75.27

Balance Sheet & Liquidity

Debt/Equity
3.03
Quick Ratio
-
Current Ratio
1.38
Debt
₹23,751.99 Cr
Total Assets
₹31,930.23 Cr
Current Assets
₹18,236.17 Cr
Working Capital
₹4,980.91 Cr

Ownership

Promoter Holding
66.10%
Chg in Prom Hold
-0.01%
FII / Inst Holding
20.50%
Chg in FII Hold
-0.87%

Financial Snapshot

Enterprise Value
₹18,310.26 Cr
Total Revenue (TTM)
₹3,041.37 Cr
EBITDA
₹1,235.63 Cr
Free Cash Flow
₹-2,787.81 Cr
Operating Cash Flow
₹-2,770.21 Cr
Shares Outstanding
₹16.03 Cr
Gross Margin
97.99%
Payout Ratio
0.00%

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 1,142.40 15.18 ₹18,310.26 Cr 0.00% 6.28% 16.36% 20.95% -1.99%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 706.95 15.45 ₹10.90 L Cr 1.88% - 13.84% 16.90% 12.47%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,385.00 17.90 ₹9.94 L Cr 0.89% - 16.07% 18.11% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 963.00 10.32 ₹8.89 L Cr 1.82% - 15.18% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 926.00 28.43 ₹5.77 L Cr 0.56% - 16.68% 22.58% 18.23%
6 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 437.80 21.46 ₹4.36 L Cr 0.15% - 10.64% 13.48% 8.92%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,210.00 13.61 ₹3.77 L Cr 0.08% - 13.35% 12.16% 34.61%
8 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,690.00 26.83 ₹2.70 L Cr 0.07% - 12.58% 22.92% 15.16%
9 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 392.05 8.26 ₹2.48 L Cr 2.59% - 32.53% 7.26% 16.86%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue 1,065.00 Cr1,170.00 Cr1,247.00 Cr1,292.00 Cr1,457.00 Cr1,512.00 Cr1,453.00 Cr1,363.65 Cr1,386.59 Cr1,414.36 Cr1,508.00 Cr1,468.52 Cr1,573.29 Cr1,748.61 Cr
Cost of Revenue -------653.87 Cr653.28 Cr704.34 Cr-686.75 Cr690.89 Cr792.64 Cr
Gross Profit -------709.78 Cr733.31 Cr710.02 Cr-781.77 Cr882.40 Cr955.97 Cr
Operating Expenses 311.00 Cr306.00 Cr345.00 Cr365.00 Cr434.00 Cr453.00 Cr700.00 Cr105.13 Cr120.44 Cr106.32 Cr845.00 Cr124.07 Cr127.38 Cr119.24 Cr
Operating Income -------604.65 Cr612.87 Cr603.70 Cr-657.70 Cr755.02 Cr836.73 Cr
EBITDA -------620.18 Cr628.03 Cr618.92 Cr-674.08 Cr770.71 Cr852.94 Cr
Interest Expense 346.00 Cr385.00 Cr424.00 Cr442.00 Cr482.00 Cr510.00 Cr485.00 Cr---480.00 Cr---
Pretax Income 398.00 Cr467.00 Cr467.00 Cr476.00 Cr529.00 Cr535.00 Cr252.00 Cr-128.93 Cr51.00 Cr81.12 Cr169.00 Cr337.92 Cr445.00 Cr660.03 Cr
Tax Provision 99.50 Cr116.75 Cr121.42 Cr123.76 Cr132.25 Cr139.10 Cr65.52 Cr-29.41 Cr3.87 Cr20.93 Cr43.94 Cr85.83 Cr105.45 Cr166.64 Cr
Net Income 297.00 Cr348.00 Cr347.00 Cr353.00 Cr397.00 Cr398.00 Cr186.00 Cr-99.52 Cr47.21 Cr60.19 Cr126.00 Cr252.09 Cr339.55 Cr493.39 Cr
Diluted EPS 18.9822.3021.8122.2024.9124.9511.67-6.242.953.767.8715.6821.1130.65

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 1,282.00 Cr1,704.00 Cr2,461.00 Cr-3,296.98 Cr4,904.97 Cr5,539.19 Cr5,833.23 Cr
Cost of Revenue ----1,510.25 Cr2,101.60 Cr2,388.67 Cr2,483.69 Cr
Gross Profit ----1,786.73 Cr2,803.37 Cr3,150.52 Cr3,349.54 Cr
Operating Expenses 361.00 Cr640.00 Cr1,308.00 Cr-371.84 Cr450.25 Cr522.14 Cr583.49 Cr
Operating Income ----1,414.89 Cr2,353.12 Cr2,628.38 Cr2,766.05 Cr
EBITDA ----1,313.95 Cr2,208.18 Cr968.95 Cr1,235.63 Cr
Interest Expense 417.00 Cr584.00 Cr933.00 Cr-158.69 Cr217.85 Cr197.86 Cr139.35 Cr
Pretax Income 498.00 Cr462.00 Cr180.00 Cr-1,105.42 Cr1,939.18 Cr708.87 Cr1,033.20 Cr
Tax Provision 174.30 Cr124.74 Cr48.60 Cr-279.36 Cr493.25 Cr177.47 Cr255.56 Cr
Net Income 322.00 Cr335.00 Cr131.00 Cr-826.06 Cr1,445.93 Cr531.40 Cr777.64 Cr
Diluted EPS 22.4123.178.61-51.8290.4133.2448.44

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 7,357.00 Cr12,590.00 Cr15,060.00 Cr-21,858.10 Cr28,870.83 Cr27,802.45 Cr31,930.23 Cr
Current Assets ----13,045.85 Cr18,087.92 Cr16,742.30 Cr18,236.17 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 Cr10,750.67 Cr13,255.26 Cr
Long Term Debt ----8,352.66 Cr11,970.48 Cr9,985.24 Cr10,712.13 Cr
Total Debt ----16,312.26 Cr21,841.01 Cr20,445.77 Cr23,641.13 Cr
Total Equity 2,366.00 Cr2,734.00 Cr3,692.00 Cr-5,106.97 Cr6,569.98 Cr6,955.97 Cr7,842.25 Cr
Shares Outstanding ----15.89 Cr15.94 Cr15.97 Cr16.02 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -1,378.00 Cr-2,228.00 Cr-455.00 Cr--3,289.78 Cr-4,733.78 Cr1,125.24 Cr-2,770.21 Cr
Investing Cash Flow -7.00 Cr-638.00 Cr24.00 Cr--314.43 Cr-994.20 Cr708.34 Cr-100.65 Cr
Financing Cash Flow 1,829.00 Cr2,921.00 Cr2,146.00 Cr-3,365.07 Cr5,493.86 Cr-1,669.38 Cr2,750.95 Cr
Capital Expenditure -18.00 Cr-22.00 Cr-14.00 Cr--17.32 Cr-20.31 Cr-33.65 Cr-17.60 Cr
Free Cash Flow -1,396.00 Cr-2,250.00 Cr-469.00 Cr--3,307.10 Cr-4,754.09 Cr1,091.59 Cr-2,787.81 Cr
Net Change in Cash 444.00 Cr54.00 Cr1,715.00 Cr--239.14 Cr-234.12 Cr164.20 Cr-119.91 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % ----54.2%57.2%56.9%57.4%
Operating Margin % ----42.9%48.0%47.5%47.4%
Net Margin % 25.1%19.7%5.3%-25.1%29.5%9.6%13.3%
ROE % 13.6%12.3%3.5%-16.2%22.0%7.6%9.9%
ROCE % ----10.4%12.6%15.4%14.8%

Shareholding Pattern

Insiders
66.10%
Institutions
20.50%
Public Float
60.47%

Analyst View

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Latest News

Recent headlines for CREDITACC

Google News Fri, 24 Jul 2026

CreditAccess Grameen Ltd (NSE:CREDITACC) Q1 2027 Earnings Call Highlights: Record Profit Surge ... - Yahoo Finance

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Google News hu, 25 Jun 2026

CREDITACC Forecast — Price Target — Prediction for 2027 - TradingView

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Google News Wed, 21 Oct 2026

CreditAccess Grameen Share Price Fall: NBFC Context - Univest

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Google News Wed, 21 Oct 2026

CreditAccess Grameen ESOP Allotment: 14,575 Shares Issued - Kalkine India

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Google News ue, 20 Jan 2026

Credit Access Grameen shares surge most in nearly one year in a weak market; here is why - Upstox

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Google News hu, 22 Jan 2026

CreditAccess Grameen Limited's (NSE:CREDITACC) P/E Still Appears To Be Reasonable - Simply Wall Street

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CREDITACC — Frequently Asked Questions

What is the current share price of CreditAccess Grameen Limited (CREDITACC)?

As of 2026-10-23 04:58 IST, CreditAccess Grameen Limited (CREDITACC) trades at ₹1,142.40 on NSE. Its 52-week range is ₹1,134.90 to ₹1,614.00.

What is the market capitalisation of CREDITACC?

CreditAccess Grameen Limited (CREDITACC) has a market capitalisation of ₹18,310.26 Cr on NSE.

What is the P/E ratio of CREDITACC?

CREDITACC trades at a trailing price-to-earnings (P/E) ratio of 15.18. The industry average P/E is 15.36. Its price-to-book (P/B) ratio is 2.59.

What is the return on equity (ROE) of CREDITACC?

CREDITACC has a return on equity (ROE) of 16.36%. Its return on capital employed (ROCE) is 6.28%.

Is CREDITACC a good stock to buy?

This page provides a data-driven analysis of CreditAccess Grameen Limited (CREDITACC), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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