CreditAccess Grameen
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CreditAccess Grameen share price

CreditAccess Grameen Ltd.

NSE: CREDITACC BSE: 541770 SECTOR: Finance - NBFC  61k   228   44

1504.60
+22.45 (1.51%)
NSE: Today, 04:02 PM

Price Summary

Today's High

₹ 1511

Today's Low

₹ 1471

52 Week High

₹ 1796

52 Week Low

₹ 961

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyOptimal
The company could improve upon its asset employment.
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

₹ 23979.86 Cr.

Advances

₹ 19043.34 Cr.

No. of Shares

15.94 Cr.

P/E

17.82

P/B

3.9

Face Value

₹ 10

Div. Yield

0 %

Book Value (TTM)

₹  385.97

Operating Revenue

₹ 3545.12 Cr.

Net Profit

₹ 826.03 Cr.

Promoter Holding

66.58 %

EPS (TTM)

₹  84.42

Sales Growth

29.25

ROE

17.87 %

ROCE

12.06%

Profit Growth

133.95 %

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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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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 Year29.25%
3 Year28.18%
5 Year32.42%

Profit Growth

1 Year133.95%
3 Year36.12%
5 Year31.2%

ROE%

1 Year17.87%
3 Year10.49%
5 Year12.3%

ROCE %

1 Year12.06%
3 Year10.07%
5 Year11.33%

ROA%

4.07933172503537

PEG Ratio

0.14

PAT Margin (%)

23.3004806607393

EPS Growth(%)

129.474296759941

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2024 66.58 0
Dec 2023 66.66 0
Sep 2023 66.69 0
Jun 2023 66.77 0
Mar 2023 73.68 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • PAT margin has surged by 10.4272694675937%.
  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 28.1757070252689%.
  • The company has delivered substantial profit growth of 36.1219531756127% over past 3 years.
  • The company boasts a well-maintained advances growth ratio of 27.5703040981301%.
  • Promoters shareholding is 66.58%.

 Limitations

 Looks like the company does not have any serious limitations.

Quarterly Result (All Figures in Cr.)

PARTICULARS Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
Operating Revenue 907.9 1065.41 1170.03 1246.94 1292.2
Other Income 1.82 0.81 0.69 0.65 3.03
Interest Expended 314.21 345.64 384.92 423.87 441.5
Operating Expenses 292.87 310.56 308.54 342.5 365.02
Total Provisions 0 0 0 0 0
Depreciation 12.61 12.49 12.06 12.28 13.06
Profit Before Tax 290.03 397.53 465.2 468.94 475.65
Tax 74.27 100.98 118.91 119.73 122.23
Net Profit 215.76 296.55 346.29 349.21 353.42
Adjusted EPS (RS) 13.82 18.66 21.79 21.95 22.2

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

PARTICULARS Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Operating Income 1282.26 1683.49 2027.79 2742.75 3545.12
Other Income 1.18 0.9 3.36 7.31 5.64
Interest 417.22 574.82 744.67 987.42 1216.12
Operating Expenses 282.02 403.77 430.03 665.13 800.96
Total Provisions 86.46 254.91 662.16 616.71 428.29
Exceptional Items 0 0 0 0 0
Profit Before Tax 497.74 450.89 194.29 480.8 1105.39
Tax 175.98 123.39 51.9 127.72 279.36
Profit After Tax 321.76 327.5 142.39 353.08 826.03
Adjusted EPS (Rs.) 22.41 22.74 9.15 22.65 51.98

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Equity and Liabilities
Share Capital 143.55 143.99 155.58 155.87 158.91
Total Reserves 2221.51 2525.09 3479.23 4011.04 4948.03
Borrowings 4829.5 7797.56 8755.72 12895.12 16287
Other N/C liabilities 276.31 394.53 453.3 307.57 447.9
Current liabilities 158.44 191.33 302.06 595.38 691.48
Total Liabilities 7629.31 11052.5 13145.89 17964.98 22533.32
Assets
Loans 6602.83 9172.64 9717.82 14765.33 19043.34
Net Block 24.75 86.62 100.76 628.87 599.01
Capital WIP 0 0 0 0 0
Intangible WIP 2.36 2.84 0.62 3.07 3.94
Investments 0.2 661.44 662.93 0.55 454.53
Other Loans 328.54 492.7 594.76 492.93 557.83
Other N/C Assets 10.1 9.3 9.68 12.95 14.13
Current Assets 660.53 626.96 2059.32 2061.28 1860.54
Total Assets 7629.31 11052.5 13145.89 17964.98 22533.32
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Mar 2023% Jun 2023% Sep 2023% Dec 2023% Mar 2024%
promoters 73.68 66.77 66.69 66.66 66.58
creditaccess india b.v. 73.68 66.77 66.69 66.66 66.58
PARTICULARS Mar 2023% Jun 2023% Sep 2023% Dec 2023% Mar 2024%
investors 26.32 33.23 33.31 33.34 33.42
axis mutual fund trustee ... - - - 2.45 2.29
canara robeco mutual fund... - - - 2.97 3.40
government pension fund g... 1.38 1.36 1.52 1.08 1.01
icici prudential life ins... 1.03 1.09 1.37 1.07 1.07
nippon life india trustee... - 3.70 - 3.41 2.74
pgim india trustees priva... - 1.36 - - 1.14
pgim india trustee privat... - - - 1.05 -
t. rowe price internation... 1.14 1.09 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... 1.06 - 1.14 - -
spark institutional equit... - 5.66 - - -
nippon life india trustee... 3.70 - - - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

CreditAccess Grameen informs about certificate16 Apr 2024, 2:39PM CreditAccess Grameen informs about closure of trading window27 Mar 2024, 12:49PM CreditAccess Grameen informs about investor meetings 27 Feb 2024, 11:39AM CreditAccess Grameen crosses AUM of Rs 25,000 crore 26 Feb 2024, 12:07PM CreditAccess Grameen informs about press release26 Feb 2024, 9:57AM CreditAccess Grameen informs about investor meetings14 Feb 2024, 11:47AM CreditAccess Grameen informs about analyst meet8 Feb 2024, 10:39AM CreditAccess Grameen informs about recording of conference call20 Jan 2024, 10:50AM CreditAccess Grameen - Quaterly Results19 Jan 2024, 4:50PM CreditAccess Grameen - Quaterly Results19 Jan 2024, 4:50PM CreditAccess Grameen - Quaterly Results19 Jan 2024, 4:50PM CreditAccess Grameen informs about investor meet 3 Jan 2024, 12:14PM CreditAccess Grameen informs about trading window closure27 Dec 2023, 12:33PM CreditAccess Grameen informs about analyst meet 20 Dec 2023, 10:46AM CreditAccess Grameen informs about press release13 Dec 2023, 10:59AM CreditAccess Grameen wins 'Microfinance Organisation of the Year Award'13 Dec 2023, 10:30AM CreditAccess Grameen informs about allotment of equity shares8 Dec 2023, 5:20PM CreditAccess Grameen informs about investor meet 8 Dec 2023, 3:36PM CreditAccess Grameen informs about investor meet4 Dec 2023, 11:42AM CreditAccess Grameen informs about investors meet 28 Nov 2023, 11:25AM CreditAccess Grameen informs about investor meet 10 Nov 2023, 12:16PM CreditAccess Grameen informs about investor meet 6 Nov 2023, 2:31PM CreditAccess Grameen submits analyst meet intimation31 Oct 2023, 4:33PM CreditAccess Grameen submits analyst meet intimation31 Oct 2023, 1:23PM CreditAccess Grameen informs about conference call25 Oct 2023, 11:28AM CreditAccess Grameen - Quaterly Results20 Oct 2023, 4:47PM CreditAccess Grameen - Quaterly Results20 Oct 2023, 4:47PM CreditAccess Grameen informs about compliances-certificate 10 Oct 2023, 12:21PM CreditAccess Grameen informs about press release11 Sep 2023, 2:34PM CreditAccess Grameen raises Rs 989.58 crore via NCDs 7 Sep 2023, 3:47PM CreditAccess Grameen eyeing around 25% growth in loan sales in FY2423 Aug 2023, 4:58PM CreditAccess Grameen gets nod to raise upto Rs 1,000 crore through NCDs19 Aug 2023, 11:48AM CreditAccess Grameen informs about investors meetings16 Aug 2023, 3:23PM CreditAccess Grameen informs about investor meeting 11 Aug 2023, 11:58AM CreditAccess Grameen informs about analyst meet4 Aug 2023, 2:53PM CreditAccess Grameen informs about transcript of conference call26 Jul 2023, 12:39PM CreditAccess Grameen informs about press release25 Jul 2023, 12:23PM CreditAccess Grameen - Quaterly Results21 Jul 2023, 5:50PM CreditAccess Grameen - Quaterly Results21 Jul 2023, 5:50PM CreditAccess Grameen - Quaterly Results21 Jul 2023, 5:50PM CreditAccess Grameen informs about sale of shares by promoter1 Jul 2023, 4:51PM CreditAccess Grameen informs about disclosure 1 Jul 2023, 2:18PM CreditAccess Grameen inks historic syndicated social loan facility of up to $200 million27 Jun 2023, 11:17AM CreditAccess Grameen informs about press release27 Jun 2023, 10:44AM CreditAccess Grameen informs about investor’s meeting26 Jun 2023, 10:32AM CreditAccess Grameen informs about investor conference 19 Jun 2023, 10:37AM CreditAccess Grameen informs about disclosure2 Jun 2023, 1:17PM CreditAccess Grameen informs about analyst meet 18 May 2023, 2:23PM CreditAccess Grameen reports 86% rise in Q4 consolidated net profit 17 May 2023, 10:52AM CreditAccess Grameen informs about allotment of equity shares under ESOP 17 May 2023, 9:40AM

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 penetration of the mutual fund industry in India is close to 7% (Based on the number of PAN cardholders). This under penetration of the mutual fund industry 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.

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 826.03 Cr and the compounded growth of profit in the past 3 years is 36.1215334020026 %. The PAT margin of CreditAccess Grameen is 23.3004806607393 %.

  • 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 129.474399837543 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): CreditAccess Grameen has a average ROE track record. The ROE of CreditAccess Grameen is at 17.8741755673654 % 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 1500. The stock is trading at a current P/E ratio of 17.6045093399511 and the average historical P/E for the last 5 years was 33.1148506476077.

  • P/B ratio can be one of the best metrics to value such companies. Currently, CreditAccess Grameen is trading at a P/B of 3.8862 . The average historical P/B of CreditAccess Grameen for the last 5 years was 2.76076057384196. 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 1500. 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.

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