CreditAccess Grameen
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CreditAccess Grameen share price

CreditAccess Grameen Ltd.

NSE: CREDITACC BSE: 541770 SECTOR: Finance - NBFC  94k   270   55

931.45
-6.35 (-0.68%)
BSE: 06 Dec 04:00 PM

Price Summary

Today's High

₹ 946.75

Today's Low

₹ 926.25

52 Week High

₹ 1794.4

52 Week Low

₹ 860.1

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyExcellent
The company knows very well the utilization of its assets.
FinancialsVery Stable
The company possesses stable growth history and sound margins.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 14861.18 Cr.

Advances

₹ 25104.99 Cr.

No. of Shares

15.95 Cr.

P/E

11.14

P/B

2.13

Face Value

₹ 10

Div. Yield

1.07 %

Book Value (TTM)

₹  438.02

Operating Revenue

₹ 5166.67 Cr.

Net Profit

₹ 1445.93 Cr.

Promoter Holding

66.54 %

EPS (TTM)

₹  83.62

Sales Growth

45.74

ROE

24.87 %

ROCE

14.76%

Profit Growth

75.05 %

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* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Index Presence

The company is present in 17 Indices.

NIFTY500

Nifty 500
23312.1
  34.1499999999978 (0.146705358504495%)

NIFTYMIDSMALL400

Nifty MidSmallcap 400
20529
  93.0499999999993 (0.455325052175204%)

NIFTYSMALL

NIFTY Smallcap 100
19492.1
  158.549999999999 (0.820077016378251%)

NIFTYSMALLCAP250

Nifty Smallcap 250
18328.95
  98.5499999999993 (0.540580568720372%)

NY500MUL50:25:25

Nifty500 Multicap 50:25:25
16394.85
  40.8999999999978 (0.250092485301701%)

NIFTYTOTALMCAP

NIFTY Total Market
13160.65
  21.75 (0.165538972060064%)

NFT500EQUAL

Nifty 500 Equal Weight
14714.16
  59.0300000000007 (0.402794106909998%)

NFTSML250MOMQ100

Nifty Smallcap250 Momentum Quality 100 index
52951.35
  477.150000000001 (0.909304000823274%)

NIF500LGMIDSML

Nifty500 LargeMidSmall Equal-Cap Weighted Index
18206.54
  58.9900000000016 (0.325057652410399%)

SMLCAP

Bse SmallCap
57050.71
  342.93 (0.60473183750096%)

BSE500

Bse 500
36681.01
  61.7700000000041 (0.16868181862868%)

MSL400

Bse 400 MidSmallCap Index
12535.1
  51.6700000000001 (0.413908677342678%)

FINSER

BSE Financial Services
11941.33
  10.8700000000008 (0.0911113234527416%)

SML250

Bse 250 SmallCap Index
7335.59
  34.6100000000006 (0.474045949995761%)

DFRGRI

BSE Diversified Financials Revenue Growth Index
1470.07
  3.84999999999991 (0.262579967535559%)

ALLCAP

Bse Allcap
10471.31
  71.0699999999997 (0.683349615008888%)

S&P MIDSMLCAP

Bse MidSmallCap
13972.58
  67.5699999999997 (0.485939959769888%)

Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

View Full Peer Comparison
* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

Track the companies of Group.

Ratios

Income Growth

1 Year45.74%
3 Year36.58%
5 Year32.14%

Profit Growth

1 Year75.05%
3 Year116.55%
5 Year35.06%

ROE%

1 Year24.87%
3 Year17.27%
5 Year13.88%

ROCE %

1 Year14.76%
3 Year12.26%
5 Year11.31%

ROA%

5.5039

PEG Ratio

0.15

PAT Margin (%)

27.9857

EPS Growth(%)

74.5295

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Sep 2024 66.54 0.00
Jun 2024 66.56 0.00
Mar 2024 66.58 0.00
Dec 2023 66.66 0.00
Sep 2023 66.69 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • PAT margin has surged by 4.6852%.
  • Company has maintained a good ROA of 3.95100586369544% in last 3 years.
  • Company has a healthy Return on Equity (ROE) track record of 17.2741601189834%.
  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 36.5823439557086%.
  • The company has delivered substantial profit growth of 116.548872162257% over past 3 years.
  • The company boasts a well-maintained advances growth ratio of 37.2135711124466%.
  • Promoters shareholding is 66.54%.

 Limitations

 Looks like the company does not have any serious limitations.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Operating Revenue 1246.94 1292.2 1457.49 1512.03 1453.29
Other Income 0.65 3.03 1.61 0.55 0.63
Interest Expended 423.87 441.5 482.15 510.31 484.6
Operating Expenses 342.5 365.02 433.83 453.18 700.14
Total Provisions 0 0 0 0 0
Depreciation 12.28 13.06 13.75 14.35 17.19
Profit Before Tax 468.94 475.65 529.37 534.74 251.99
Tax 119.73 122.23 132.38 137.08 65.93
Net Profit 349.21 353.42 396.99 397.66 186.06
Adjusted EPS (RS) 21.95 22.2 24.91 24.95 11.67

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Operating Income 1683.49 2027.79 2742.75 3545.12 5166.67
Other Income 0.9 3.36 7.31 7.13 5.98
Interest 574.82 744.67 987.42 1216.12 1738.36
Operating Expenses 403.77 430.03 665.13 812.99 1023.21
Total Provisions 254.91 662.16 616.71 417.75 471.9
Exceptional Items 0 0 0 0 0
Profit Before Tax 450.89 194.29 480.8 1105.39 1939.18
Tax 123.39 51.9 127.72 279.36 493.25
Profit After Tax 327.5 142.39 353.08 826.03 1445.93
Adjusted EPS (Rs.) 22.74 9.15 22.65 51.98 90.72

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 143.99 155.58 155.87 158.91 159.38
Total Reserves 2525.09 3479.23 4011.04 4948.03 6410.57
Borrowings 7797.56 8755.72 12895.12 16287 21815.77
Other N/C liabilities 394.53 453.3 307.57 514.7 1266.77
Current liabilities 191.33 302.06 595.38 624.68 356.36
Total Liabilities 11052.5 13145.89 17964.98 22533.32 30008.85
Assets
Loans 9172.64 9717.82 14765.33 19043.34 25104.99
Net Block 86.62 100.76 628.87 599.01 609.06
Capital WIP 0 0 0 0 0
Intangible WIP 2.84 0.62 3.07 3.94 4.54
Investments 661.44 662.93 0.55 0.55 0.55
Other Loans 492.7 594.76 492.93 571.96 1371.01
Other N/C Assets 9.3 9.68 12.95 0 0
Current Assets 626.96 2059.32 2061.28 2314.52 2918.7
Total Assets 11052.5 13145.89 17964.98 22533.32 30008.85
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Sep 2023% Dec 2023% Mar 2024% Jun 2024% Sep 2024%
promoters 66.69 66.66 66.58 66.56 66.54
creditaccess india b.v. 66.69 66.66 66.58 66.56 66.54
PARTICULARS Sep 2023% Dec 2023% Mar 2024% Jun 2024% Sep 2024%
investors 33.31 33.34 33.42 33.44 33.46
axis mutual fund trustee ... - 2.45 2.29 2.22 1.65
canara robeco mutual fund... - 2.97 3.40 3.67 3.90
icici prudential life ins... 1.37 1.07 1.07 1.06 1.05
nippon life india trustee... - 3.41 2.74 2.83 2.83
pgim india trustee privat... - - - 1.07 -
government pension fund g... 1.52 1.08 1.01 - -
pgim india trustees priva... - - 1.14 - -
pgim india trustee privat... - 1.05 - - -
t. rowe price internation... 1.06 1.06 - - -
axis mutual fund trustee ... 1.81 - - - -
canara robeco mutual fund... 1.82 - - - -
nippon life india trustee... 3.98 - - - -
pgim india trustee privat... 1.14 - - - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

CreditAccess Grameen informs about allotment under ESOP 6 Dec, 2:23 PM CreditAccess Grameen informs about analyst meet 29 Nov, 11:35 AM CreditAccess Grameen informs about investor’s meetings 7 Nov, 1:14 PM CreditAccess Grameen informs about investor meeting 7 Nov, 1:13 PM CreditAccess Grameen informs about analyst meet 29 Oct, 5:24 PM CreditAccess Grameen submits analyst meet intimation 28 Oct, 2:57 PM CreditAccess Grameen informs about outcome of board meeting 25 Oct, 5:21 PM CreditAccess Grameen - Quaterly Results 25 Oct, 5:11 PM CreditAccess Grameen - Quaterly Results 25 Oct, 5:11 PM CreditAccess Grameen - Quaterly Results 25 Oct, 5:11 PM CreditAccess Grameen informs about analyst meet 21 Oct, 2:23 PM CreditAccess Grameen informs about RTA certificate 7 Oct, 3:56 PM CreditAccess Grameen informs about compliance certificate 7 Oct, 12:27 PM CreditAccess Grameen informs about investor meeting 3 Oct, 12:49 PM CreditAccess Grameen informs about closure of trading window 27 Sep, 12:46 PM CreditAccess Grameen informs about investor meeting 2 Sep, 2:43 PM CreditAccess Grameen informs about investor meet 28 Aug, 5:35 PM CreditAccess Grameen submits analyst meet intimation 23 Aug, 4:10 PM CreditAccess Grameen informs about allotment of equity shares under ESOP 21 Aug, 5:32 PM CreditAccess Grameen informs about analyst meet 7 Aug, 3:59 PM CreditAccess Grameen submits analyst meet intimation 29 Jul, 12:45 PM CreditAccess Grameen submits analyst meet intimation 29 Jul, 12:43 PM CreditAccess Grameen - Quaterly Results 19 Jul, 4:53 PM CreditAccess Grameen - Quaterly Results 19 Jul, 4:53 PM CreditAccess Grameen - Quaterly Results 19 Jul, 4:53 PM CreditAccess Grameen informs about board meeting 10 Jul, 12:18 PM CreditAccess Grameen informs about audio recording of conference call 8 May, 9:50 AM CreditAccess Grameen - Quaterly Results 7 May, 5:46 PM CreditAccess Grameen - Quaterly Results 7 May, 5:46 PM CreditAccess Grameen - Quaterly Results 7 May, 5:46 PM CreditAccess Grameen informs about board meeting 2 May, 5:25 PM CreditAccess Grameen informs about board meeting 2 May, 3:00 PM CreditAccess Grameen informs about analyst meet 29 Apr, 6:05 PM CreditAccess Grameen informs about certificate 16 Apr, 2:39 PM CreditAccess Grameen informs about closure of trading window 27 Mar, 12:49 PM CreditAccess Grameen informs about investor meetings 27 Feb, 11:39 AM CreditAccess Grameen crosses AUM of Rs 25,000 crore 26 Feb, 12:07 PM CreditAccess Grameen informs about press release 26 Feb, 9:57 AM CreditAccess Grameen informs about investor meetings 14 Feb, 11:47 AM CreditAccess Grameen informs about analyst meet 8 Feb, 10:39 AM CreditAccess Grameen informs about recording of conference call 20 Jan, 10:50 AM CreditAccess Grameen - Quaterly Results 19 Jan, 4:50 PM CreditAccess Grameen - Quaterly Results 19 Jan, 4:50 PM CreditAccess Grameen - Quaterly Results 19 Jan, 4:50 PM CreditAccess Grameen informs about investor meet 3 Jan, 12:14 PM CreditAccess Grameen informs about trading window closure 27 Dec, 12:33 PM CreditAccess Grameen informs about analyst meet 20 Dec, 10:46 AM CreditAccess Grameen informs about press release 13 Dec, 10:59 AM CreditAccess Grameen wins 'Microfinance Organisation of the Year Award' 13 Dec, 10:30 AM CreditAccess Grameen informs about allotment of equity shares 8 Dec, 5:20 PM

CreditAccess Grameen Stock Price Analysis and Quick Research Report. Is CreditAccess Grameen an attractive stock to invest in?

Around 2% of India's total population invests in financial assets. The mutual fund industry's penetration in India is close to 7% (Based on the number of PAN cardholders). This under penetration offers a huge opportunity for the industry to grow.

Migration to financial savings, wider distribution and sustainable performance are expected to enable growth in the industry.

Also, increasing financial literacy among investors, digitization and the number of mediums available tend to attract more investors to invest in the financial markets.

CreditAccess Grameen stock price today is Rs 933.3. To understand the functions of the CreditAccess Grameen better, you must go through the following points:

Key Financials –

  • Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of CreditAccess Grameen is Rs 1445.93 Cr and the compounded growth of profit in the past 3 years is 116.547199012363 %. The PAT margin of CreditAccess Grameen is 27.9857 %.

  • EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In CreditAccess Grameen , the EPS grew by 74.5295 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): CreditAccess Grameen has a healthy ROE track record. The ROE of CreditAccess Grameen is at 24.8734 % for the latest year.

  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of CreditAccess Grameen is worth at the current levels at Rs 933.3. The stock is trading at a current P/E ratio of 15.8693 and the average historical P/E for the last 5 years was 31.8174959486375.

  • P/B ratio can be one of the best metrics to value such companies. Currently, CreditAccess Grameen is trading at a P/B of 2.1265 . The average historical P/B of CreditAccess Grameen for the last 5 years was 2.85202811039872. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

  • Share Price: - The current share price of CreditAccess Grameen is Rs 933.3. One can use valuation calculators of ticker to know if CreditAccess Grameen share price is undervalued or overvalued.

Last Updated on:
Brief about CreditAccess Grameen

CreditAccess Grameen Ltd Financials: Check Share price, Balance Sheet, Annual report and Quarterly Results for company analysis 

 

Welcome to the stock analysis page for CreditAccess Grameen Ltd, designed to provide comprehensive insights for long-term women stock investors. Explore various topics related to the company's performance and prospects to make informed investment decisions.

CreditAccess Grameen Ltd Share Price 

Track and analyze the share price of CreditAccess Grameen Ltd, a microfinance company, to gauge market sentiment and valuation. Utilize Ticker pre-built screening tools to evaluate the company's stock and make informed investment decisions.

CreditAccess Grameen Ltd Balance Sheet 

Assess the financial stability and performance of CreditAccess Grameen Ltd through its balance sheet analysis. Ticker premium feature, BVPS Analysis, enables you to calculate fair value based on the company's balance sheet.

CreditAccess Grameen Ltd Annual Report 

Access the comprehensive annual reports of CreditAccess Grameen Ltd on Ticker. The annual reports provide detailed information about the company's performance, strategies, and future plans. They are available for download, ensuring you have a deeper understanding of CreditAccess Grameen Ltd's operations.

CreditAccess Grameen Ltd Dividend 

Stay updated on CreditAccess Grameen Ltd's dividend policy and track record. The company's commitment to rewarding shareholders is reflected in its dividend payments. Explore our pre-built screening tools to evaluate CreditAccess Grameen Ltd's dividend history and potential.

CreditAccess Grameen Ltd Quarterly Results 

Stay informed about the quarterly performance of CreditAccess Grameen Ltd through our detailed analysis. Ticker premium feature, Earnings Multiple Approach, helps assess the company's stock value based on its quarterly results.

CreditAccess Grameen Ltd Stock Price 

Monitor the stock price of CreditAccess Grameen Ltd to understand its market performance and trends. Ticker platform provides a comprehensive stock price chart, enabling you to analyze historical data and make informed decisions.

CreditAccess Grameen Ltd Price Chart 

Analyze the price chart of CreditAccess Grameen Ltd, visually representing the historical performance of the company's stock. Gain insights into patterns, trends, and price levels to make well-informed investment decisions.

CreditAccess Grameen Ltd News 

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CreditAccess Grameen Ltd Concall Transcripts 

Access transcripts of conference calls with analysts and investors to gain deeper insights into CreditAccess Grameen Ltd's operations and future plans. These transcripts provide valuable information about the company's strategies and outlook.

CreditAccess Grameen Ltd Investor Presentations

View informative investor presentations of CreditAccess Grameen Ltd, providing insights into the company's growth potential and investment opportunities. Ticker offers access to these presentations, helping you understand CreditAccess Grameen Ltd's value proposition.

CreditAccess Grameen Ltd Promoters & Shareholders 

Understand the ownership structure of CreditAccess Grameen Ltd by learning about the key promoters and major shareholders. This information can help gauge ownership concentration and potential alignment of interests.

CreditAccess Grameen Ltd ROCE

CreditAccess Grameen Ltd's Return on Capital Employed (ROCE) is a critical financial metric that assesses the company's profitability and efficiency in utilizing its capital investments. Our stock analysis page provides the ROCE data for CreditAccess Grameen Ltd, enabling investors to evaluate the company's ability to generate returns on the capital employed. By analyzing this ratio, investors can gain insights into the company's financial performance and make informed investment decisions. Access the detailed ROCE information for CreditAccess Grameen Ltd in the financials table or ratio section on this page.

CreditAccess Grameen Ltd EBITDA

CreditAccess Grameen Ltd's Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is a crucial measure for evaluating the company's operational performance and profitability. By analyzing the company's core earnings, investors can gain valuable insights into its financial health. Our stock analysis page offers comprehensive EBITDA data for CreditAccess Grameen Ltd, enabling investors to assess the company's operational efficiency. Access the detailed EBITDA figures for CreditAccess Grameen Ltd in the financials table or ratio section on this page.

CreditAccess Grameen Ltd DPS

CreditAccess Grameen Ltd's Dividends Per Share (DPS) indicates the portion of profits distributed to shareholders as dividends. Monitoring DPS is essential for investors seeking a consistent income from dividends. Our stock analysis page features the DPS data for CreditAccess Grameen Ltd, allowing investors to track the company's dividend history and payout ratio. Access the detailed DPS information for CreditAccess Grameen Ltd in the financials table or ratio section on this page.

CreditAccess Grameen Ltd EPS

Earnings Per Share (EPS) is an important financial metric that measures CreditAccess Grameen Ltd's profitability on a per-share basis. By analyzing the company's EPS, investors can better understand its earnings performance and growth potential. Our stock analysis page provides detailed EPS information for CreditAccess Grameen Ltd, enabling investors to assess the company's earnings trends and profitability. Access the comprehensive EPS figures for CreditAccess Grameen Ltd in the financials table or ratio section on this page to make informed investment decisions.

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