WEBSITE BSE:541770 NSE: CREDITACC Inc. Year: 1991 Industry: Finance - NBFC
Last updated: 15:57
CreditAccess Grameen Ltd, a NBFC, affords micro finance offerings for women from poor and low earnings families in India. The business enterprise gives microcredit loans for earnings era, domestic improvement, emergency, and own family welfare, in addition to life insurance and national pension scheme. It also presents retail finance loans, along with Grameen Udyog, Grameen Savaari, Grameen Vikas, Grameen Suvidha, and Grameen Vaahan. The agency was previously referred to as Grameen Koota Financial Services Pvt Ltd and changed its name to Credit...Read More
CreditAccess Grameen Ltd, a NBFC, affords micro finance offerings for women from poor and low earnings families in India. The business enterprise gives microcredit loans for earnings era, domestic improvement, emergency, and own family welfare, in addition to life insurance and national pension scheme. It also presents retail finance loans, along with Grameen Udyog, Grameen Savaari, Grameen Vikas, Grameen Suvidha, and Grameen Vaahan. The agency was previously referred to as Grameen Koota Financial Services Pvt Ltd and changed its name to CreditAccess Grameen Ltd in January 2018. CreditAccess Grameen Ltd was founded in 1991 and is situated in Bengaluru, India. As of March 31, 2014, CreditAccess Grameen Ltd operates as a subsidiary of CreditAccess India. ...Read Less
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Market Cap ₹20570 Cr.
Stock P/E 38.7
P/B 2.8
Current Price ₹1284.6
Book Value ₹ 463.2
Face Value 10
52W High ₹1496.6
Dividend Yield 0%
52W Low ₹ 848
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 1247 | 1292 | 1457 | 1512 | 1453 | 1380 | 1407 | 1463 | 1508 | 1490 |
| Other Income | 1 | 3 | 2 | 1 | 1 | 2 | 1 | 1 | 1 | 1 |
| Total Income | 1248 | 1295 | 1459 | 1513 | 1454 | 1382 | 1408 | 1464 | 1509 | 1491 |
| Total Expenditure | 345 | 365 | 434 | 453 | 700 | 1020 | 864 | 885 | 845 | 678 |
| Operating Profit | 903 | 930 | 1025 | 1059 | 754 | 361 | 544 | 579 | 664 | 814 |
| Interest Expense | 424 | 442 | 482 | 510 | 485 | 475 | 478 | 482 | 480 | 459 |
| Depreciation | 12 | 13 | 14 | 14 | 17 | 16 | 15 | 15 | 16 | 16 |
| Profit Before Tax | 467 | 476 | 529 | 535 | 252 | -129 | 51 | 81 | 169 | 338 |
| Provision for Tax | 120 | 122 | 132 | 137 | 66 | -29 | 4 | 21 | 43 | 86 |
| Profit After Tax | 347 | 353 | 397 | 398 | 186 | -100 | 47 | 60 | 126 | 252 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 347 | 353 | 397 | 398 | 186 | -100 | 47 | 60 | 126 | 252 |
| Adjusted Earnings Per Share | 21.8 | 22.2 | 24.9 | 24.9 | 11.7 | -6.2 | 3 | 3.8 | 7.9 | 15.7 |
| #(Fig in Cr.) | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 1282 | 1704 | 2461 | 2743 | 3545 | 5167 | 5752 | 5868 |
| Other Income | 1 | 1 | 5 | 7 | 6 | 6 | 4 | 4 |
| Total Income | 1283 | 1705 | 2466 | 2750 | 3551 | 5173 | 5756 | 5872 |
| Total Expenditure | 361 | 641 | 1308 | 1235 | 1179 | 1444 | 3030 | 3272 |
| Operating Profit | 923 | 1064 | 1158 | 1515 | 2371 | 3729 | 2726 | 2601 |
| Interest Expense | 417 | 582 | 933 | 987 | 1216 | 1738 | 1955 | 1899 |
| Depreciation | 8 | 20 | 44 | 47 | 50 | 51 | 62 | 62 |
| Profit Before Tax | 498 | 462 | 180 | 481 | 1105 | 1939 | 709 | 639 |
| Provision for Tax | 176 | 126 | 49 | 128 | 279 | 493 | 177 | 154 |
| Profit After Tax | 322 | 335 | 131 | 353 | 826 | 1446 | 531 | 485 |
| Adjustments | 0 | -2 | 3 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 322 | 334 | 134 | 353 | 826 | 1446 | 531 | 485 |
| Adjusted Earnings Per Share | 22.4 | 23.2 | 8.6 | 22.7 | 52 | 90.7 | 33.3 | 30.4 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 11% | 28% | 28% | 0% |
| Operating Profit CAGR | -27% | 22% | 21% | 0% |
| PAT CAGR | -63% | 15% | 10% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 22% | 11% | 13% | NA% |
| ROE Average | 8% | 17% | 13% | 13% |
| ROCE Average | 10% | 12% | 11% | 11% |
| #(Fig in Cr.) | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 2365 | 2734 | 3692 | 4167 | 5107 | 6570 | 6956 |
| Minority's Interest | 0 | 109 | 105 | 0 | 0 | 0 | 0 |
| Borrowings | 4867 | 9540 | 10941 | 12895 | 16287 | 11970 | 9985 |
| Current Liability | 121 | 201 | 390 | 596 | 625 | 10220 | 11117 |
| Other Liabilities & Provisions | 276 | 424 | 392 | 308 | 515 | 1274 | 921 |
| Total Liabilities | 7629 | 13008 | 15520 | 17965 | 22533 | 30035 | 28979 |
| Loans | 6603 | 11099 | 11720 | 14765 | 19043 | 25105 | 24274 |
| Investments | 0 | 46 | 1 | 1 | 1 | 1 | 1 |
| Fixed Assets | 25 | 577 | 573 | 629 | 599 | 609 | 604 |
| Other Loans | 329 | 497 | 522 | 493 | 572 | 1356 | 1192 |
| Other Non Current Assets | 3 | 3 | 1 | 16 | 4 | 123 | 116 |
| Current Assets | 670 | 787 | 2704 | 2062 | 2315 | 2840 | 2792 |
| Total Assets | 7629 | 13008 | 15520 | 17965 | 22533 | 30035 | 28979 |
| #(Fig in Cr.) | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 130 | 590 | 645 | 2360 | 1581 | 1341 | 1107 |
| Cash Flow from Operating Activities | -1378 | -2253 | -455 | -2713 | -3290 | -4734 | 1125 |
| Cash Flow from Investing Activities | -7 | -608 | 24 | -33 | -314 | -994 | 708 |
| Cash Flow from Financing Activities | 1829 | 2915 | 2146 | 1967 | 3365 | 5494 | -1669 |
| Net Cash Inflow / Outflow | 444 | 54 | 1715 | -780 | -239 | -234 | 164 |
| Closing Cash & Cash Equivalent | 574 | 645 | 2360 | 1581 | 1341 | 1107 | 1271 |
| # | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 22.41 | 23.16 | 8.61 | 22.65 | 51.98 | 90.72 | 33.27 |
| CEPS(Rs) | 22.96 | 24.71 | 11.28 | 25.68 | 55.12 | 93.93 | 37.17 |
| DPS(Rs) | 0 | 0 | 0 | 0 | 0 | 10 | 0 |
| Book NAV/Share(Rs) | 164.14 | 189.29 | 236.73 | 266.58 | 320.15 | 410.27 | 432.43 |
| Net Profit Margin | 25.09 | 19.68 | 5.34 | 12.87 | 23.3 | 27.99 | 9.24 |
| Operating Margin | 71.36 | 61.24 | 45.25 | 53.53 | 65.49 | 71.18 | 46.31 |
| PBT Margin | 38.82 | 27.08 | 7.33 | 17.53 | 31.18 | 37.53 | 12.32 |
| ROA(%) | 4.22 | 3.25 | 0.92 | 2.11 | 4.08 | 5.5 | 1.8 |
| ROE(%) | 13.66 | 13.2 | 4.1 | 9.01 | 17.87 | 24.87 | 7.9 |
| ROCE(%) | 12.65 | 10.7 | 8.28 | 9.26 | 12.06 | 14.76 | 9.55 |
| Price/Earnings(x) | 22.36 | 14.61 | 77.83 | 37.48 | 17.6 | 15.87 | 28.63 |
| Price/Book(x) | 3.05 | 1.79 | 2.83 | 3.18 | 2.86 | 3.51 | 2.2 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 | 0 | 0.69 | 0 |
| EV/Net Sales(x) | 8.93 | 8.03 | 7.67 | 8.89 | 8.3 | 8.43 | 5.97 |
| EV/Core EBITDA(x) | 12.4 | 12.87 | 16.31 | 16.1 | 12.41 | 11.68 | 12.59 |
| Interest Earned Growth(%) | 0 | 32.91 | 44.4 | 11.45 | 29.25 | 45.74 | 11.34 |
| Net Profit Growth | 0 | 4.27 | -60.83 | 168.7 | 133.96 | 75.04 | -63.25 |
| EPS Growth(%) | 0 | 3.35 | -62.81 | 162.96 | 129.49 | 74.52 | -63.33 |
| Interest Coverage(x) % | 2.19 | 1.79 | 1.19 | 1.49 | 1.91 | 2.12 | 1.36 |
| # | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 66.69 | 66.66 | 66.58 | 66.56 | 66.54 | 66.5 | 66.43 | 66.43 | 66.37 | 66.28 |
| FII | 11.46 | 12 | 11.65 | 10.88 | 10.76 | 9.76 | 11.38 | 12.13 | 12.29 | 11.68 |
| DII | 15.77 | 15.79 | 15.76 | 16.25 | 14.86 | 14.17 | 12.68 | 12.76 | 13.33 | 13.23 |
| Public | 6.08 | 5.55 | 6.01 | 6.31 | 7.83 | 9.57 | 9.51 | 8.68 | 8.02 | 8.81 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 10.61 | 10.61 | 10.61 | 10.61 | 10.61 | 10.61 | 10.61 | 10.61 | 10.61 | 10.61 |
| FII | 1.82 | 1.91 | 1.86 | 1.73 | 1.72 | 1.56 | 1.82 | 1.94 | 1.96 | 1.87 |
| DII | 2.51 | 2.51 | 2.51 | 2.59 | 2.37 | 2.26 | 2.03 | 2.04 | 2.13 | 2.12 |
| Public | 0.97 | 0.88 | 0.96 | 1.01 | 1.25 | 1.53 | 1.52 | 1.39 | 1.28 | 1.41 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 15.91 | 15.92 | 15.94 | 15.94 | 15.95 | 15.96 | 15.97 | 15.97 | 15.99 | 16.01 |
* The pros and cons are machine generated.
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