CreditAccess Grameen
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CreditAccess Grameen share price

CreditAccess Grameen Ltd.

NSE: CREDITACC BSE: 541770 SECTOR: Finance - NBFC  1.33 L   323   77

1391.50
+32.85 (2.42%)
BSE: Today, 12:18 PM

Price Summary

Today's High

₹ 1395

Today's Low

₹ 1356

52 Week High

₹ 1489.1

52 Week Low

₹ 750.05

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationFair
The stock’s market price justifies its intrinsic value.
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

₹ 22261.44 Cr.

Advances

₹ 24274.45 Cr.

No. of Shares

16 Cr.

P/E

166.52

P/B

3.11

Face Value

₹ 10

Div. Yield

0 %

Book Value (TTM)

₹  447.83

Operating Revenue

₹ 5752.33 Cr.

Net Profit

₹ 531.4 Cr.

Promoter Holding

66.37 %

EPS (TTM)

₹  8.36

Sales Growth

11.34

ROE

7.9 %

ROCE

9.55%

Profit Growth

-63.25 %

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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 20Indices.

NYMIDSML400MQ100

Nifty MidSmallcap400 Momentum Quality 100 Index
48959.95
  -78.6000000000058 (-0.160282063804917%)

NFTSML250MOMQ100

Nifty Smallcap250 Momentum Quality 100 index
44493.9
  -214.5 (-0.479775612636546%)

NFTSMLCAP250Q50

Nifty Smallcap250 Quality 50
25830.95
  2.40000000000146 (0.009292043107334%)

NIFTY500

Nifty 500
23785.75
  -4.5 (-0.0189153119450225%)

NIFTYMIDSMALL400

Nifty MidSmallcap 400
20130.45
  -28.3499999999985 (-0.140633371033982%)

NIF500LGMIDSML

Nifty500 LargeMidSmall Equal-Cap Weighted Index
18022.05
  -21.1000000000022 (-0.116941886533128%)

NIFTYSMALL

NIFTY Smallcap 100
17798.7
  -48.7999999999993 (-0.273427650931501%)

NIFTYSMALLCAP250

Nifty Smallcap 250
16659.9
  -63.8499999999985 (-0.381792361163003%)

NY500MUL50:25:25

Nifty500 Multicap 50:25:25
16427
  -13.0499999999993 (-0.0793793206224969%)

NFT500EQUAL

Nifty 500 Equal Weight
14203.8
  -45.3000000000011 (-0.317914815672582%)

NIFTYTOTALMCAP

Nifty Total Market index
13355.6
  -5.14999999999964 (-0.0385457403214606%)

SMLCAP

S&P Bse Small Cap
51704.45
  -307.210000000006 (-0.590656018285141%)

BSE500

S&P Bse 500
37285.36
  -27.6299999999974 (-0.0740492788168345%)

FIN

S&P Bse Finance
13134.44
  49.4800000000014 (0.378144067692987%)

S&P MIDSMLCAP

S&P Bse MidSmallCap
12414.1
  73.2299999999996 (0.593394144821224%)

MSL400

S&P Bse 400 MidSmallCap
12120.75
  -20.75 (-0.170901453691885%)

BSE1000

Bse 1000
11068.17
  -11.7399999999998 (-0.105957539366297%)

ALLCAP

S&P Bse Allcap
10130.99
  38.3799999999992 (0.380278243189802%)

SML250

S&P Bse 250 SmallCap
6685.13
  -20.8699999999999 (-0.311213838353708%)

DFRGRI

S&P Bse Diversified Finl. Rev.
1674.95
  3.67000000000007 (0.219592168876548%)

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 Year11.34%
3 Year28%
5 Year27.86%

Profit Growth

1 Year-63.25%
3 Year14.6%
5 Year10.16%

ROE%

1 Year7.9%
3 Year16.88%
5 Year12.85%

ROCE %

1 Year9.55%
3 Year12.12%
5 Year10.9%

ROA%

1.8009

PEG Ratio

NA

PAT Margin (%)

9.238

EPS Growth(%)

NA

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Sep 2025 66.37 0.00
Jun 2025 66.43 0.00
Mar 2025 66.43 0.00
Dec 2024 66.50 0.00
Sep 2024 66.54 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • Company has maintained a good ROA of 3.7938% in last 3 years.
  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 28.0024014379035%.
  • The company has delivered substantial profit growth of 14.5995231999005% over past 3 years.
  • The company boasts a well-maintained advances growth ratio of 18.0235699561876%.
  • Promoters shareholding is 66.37%.

 Limitations

  • PAT margin has shrunk by 18.7477%.
  • Provision and contingencies have increased by 317.116195832801%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025
Operating Revenue 1453.29 1380.38 1406.63 1462.89 1508.35
Other Income 0.63 1.55 1.08 0.74 0.67
Interest Expended 484.6 474.87 477.78 482.16 479.52
Operating Expenses 700.14 1020.46 863.69 885.13 844.54
Total Provisions 0 0 0 0 0
Depreciation 17.19 15.53 15.16 15.22 15.8
Profit Before Tax 251.99 -128.93 51.08 81.12 169.16
Tax 65.93 -29.41 3.87 20.93 43.35
Net Profit 186.06 -99.52 47.21 60.19 125.81
Adjusted EPS (RS) 11.67 -6.24 2.96 3.77 7.87

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

PARTICULARS Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Operating Income 2027.79 2742.75 3545.12 5166.67 5752.33
Other Income 3.36 7.31 7.13 5.98 3.81
Interest 744.67 987.42 1216.12 1738.36 1954.98
Operating Expenses 430.03 665.13 812.99 1025.73 1134.43
Total Provisions 662.16 616.71 417.75 469.38 1957.86
Exceptional Items 0 0 0 0 0
Profit Before Tax 194.29 480.8 1105.39 1939.18 708.87
Tax 51.9 127.72 279.36 493.25 177.47
Profit After Tax 142.39 353.08 826.03 1445.93 531.4
Adjusted EPS (Rs.) 9.15 22.65 51.98 90.72 33.27

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity and Liabilities
Share Capital 155.58 155.87 158.91 159.38 159.72
Total Reserves 3479.23 4011.04 4948.03 6410.57 6796.22
Borrowings 8755.72 12895.12 16287 11970.48 9985.24
Other N/C liabilities 453.3 307.57 514.7 1274.24 920.88
Current liabilities 302.06 595.38 624.68 10219.85 11117.11
Total Liabilities 13145.89 17964.98 22533.32 30034.52 28979.17
Assets
Loans 9717.82 14765.33 19043.34 25104.99 24274.45
Net Block 100.76 628.87 599.01 609.06 603.58
Capital WIP 0 0 0 0 0
Intangible WIP 0.62 3.07 3.94 4.54 3.5
Investments 662.93 0.55 0.55 0.55 0.71
Other Loans 594.76 492.93 571.96 1356.39 1192.29
Other N/C Assets 9.68 12.95 0 118.8 112.89
Current Assets 2059.32 2061.28 2314.52 2840.19 2791.75
Total Assets 13145.89 17964.98 22533.32 30034.52 28979.17
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Sep 2024% Dec 2024% Mar 2025% Jun 2025% Sep 2025%
promoters 66.54 66.50 66.43 66.43 66.37
creditaccess india b.v. 66.54 66.50 66.43 66.43 66.37
PARTICULARS Sep 2024% Dec 2024% Mar 2025% Jun 2025% Sep 2025%
investors 33.46 33.50 33.57 33.57 33.63
axis mutual fund trustee ... 1.65 1.62 1.49 1.34 1.29
canara robeco mutual fund... - - - - 1.93
hdfc large and mid cap fu... - - 1.06 1.10 1.29
schroder international se... - - - - 1.45
canara robeco mutual fund... - - - 2.29 -
nippon life india trustee... 2.83 2.76 1.29 1.15 -
schroder international se... - - - 1.45 -
canara robeco mutual fund... 3.90 3.48 2.70 - -
schroder international se... - - 1.33 - -
icici prudential life ins... 1.05 1.04 - - -

Annual Reports

Title Link
Title Link
Annual Report 2024
Annual Report 2023
Annual Report 2022
Annual Report 2021
Annual Report 2020
Annual Report 2019
Annual Report 2018
Annual Report 2017

Ratings & Research Reports

TYPE AGENCY Link
TYPE AGENCY Link
Credit CRISIL
Credit CRISIL
Credit FITCH
Credit CRISIL
Credit FITCH
Credit CRISIL
Credit CRISIL
Credit ICRA
Credit CRISIL
Credit ICRA
Credit CRISIL
Credit FITCH
Credit FITCH
Credit ICRA
Credit FITCH
Credit ICRA
TYPE AGENCY Link
TYPE AGENCY Link
Research Geojit
Research Geojit
Research Geojit
Research Report By:
Research Edelweiss
Research Edelweiss
Research Nuvamawealth
Research Nuvama Wealth
Research Nuvama Wealth
Research Nuvama Wealth
Research Monarch Networth Capital
Research Monarch Networth Capital
Research Edelweiss
Research HDFC Securities
Research Edelweiss
Research Edelweiss
Research HDFC Securities
Research Geojit BNP Paribas

Concalls & Presentations

TYPE QUARTER Link
TYPE QUARTER Link
Concall Q4FY24
Concall Q3FY24
Concall Q3FY21
Concall Q2FY24
Concall Q2FY21
Concall Q2FY20
Concall Q1FY25
Concall Q1FY24
Concall Q1FY21
TYPE QUARTER Link
TYPE QUARTER Link
Presentation Q4FY24
Presentation Q4FY20
Presentation Q3FY24
Presentation Q3FY22
Presentation Q3FY21
Presentation Q2FY24
Presentation Q2FY22
Presentation Q2FY21
Presentation Q2FY20
Presentation Q1FY25
Presentation Q1FY24
Presentation Q1FY22
Presentation Q1FY21

Company News

CreditAccess Grameen informs about allotment of equity shares 19 Nov, 5:14 PM CreditAccess Grameen informs about analyst meet 6 Nov, 4:40 PM CreditAccess Grameen informs about updates 7 Oct, 2:11 PM CreditAccess Grameen submits analyst meet intimation 24 Sep, 2:07 PM CreditAccess Grameen informs about investor meeting 11 Aug, 12:29 PM CreditAccess Grameen - Quaterly Results 22 Jul, 5:13 PM CreditAccess Grameen - Quaterly Results 22 Jul, 5:13 PM CreditAccess Grameen - Quaterly Results 22 Jul, 5:13 PM CreditAccess Grameen informs about newspaper advertisement 3 Jul, 12:47 PM CreditAccess Grameen informs about trading window closure 26 Jun, 4:42 PM CreditAccess Grameen secures $100 million multi-currency syndicated social loan facility 11 Jun, 12:00 PM CreditAccess Grameen informs about earnings call transcript 21 May, 3:26 PM CreditAccess Grameen informs about investor meeting 20 May, 10:52 AM CreditAccess Grameen - Quaterly Results 16 May, 5:38 PM CreditAccess Grameen - Quaterly Results 16 May, 5:38 PM CreditAccess Grameen - Quaterly Results 16 May, 5:38 PM CreditAccess Grameen informs about conference call 9 May, 5:00 PM CreditAccess Grameen informs about compliances certificate 4 Apr, 5:35 PM CreditAccess Grameen informs about analyst meet 10 Mar, 12:07 PM CreditAccess Grameen informs about business update 6 Mar, 9:22 AM CreditAccess Grameen informs about investor meet 25 Feb, 10:29 AM CreditAccess Grameen informs about investor meet 17 Feb, 12:18 PM CreditAccess Grameen secures $50 million from IFC 3 Feb, 3:44 PM CreditAccess Grameen informs about transcript of conference call 29 Jan, 11:35 AM CreditAccess Grameen - Quaterly Results 24 Jan, 5:35 PM CreditAccess Grameen - Quaterly Results 24 Jan, 5:35 PM CreditAccess Grameen - Quaterly Results 24 Jan, 5:35 PM CreditAccess Grameen submits analyst meet intimation 18 Jan, 5:07 PM CreditAccess Grameen informs about investors meetings 26 Dec, 12:02 PM CreditAccess Grameen informs about investors meetings 19 Dec, 12:27 PM CreditAccess Grameen informs about investor meeting 13 Dec, 12:43 PM 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 Stock Price Analysis and Quick Research Report. Is CreditAccess Grameen an attractive stock to invest in?

Stock investing requires careful analysis of financial data to determine a company's true net worth. This is generally done by examining the company's profit and loss account, balance sheet and cash flow statement, which can be time-consuming and cumbersome.

Examining a company's financial ratios is an easier way to determine its performance, which can help to make sense of the overwhelming amount of information in its financial statements. 

Here are a few indispensable ratios that should be a part of every investor’s research process, or, in simpler words, how to analyse CreditAccess Grameen. 

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 531.4 Cr. and the compounded growth of profit in the past 3 years is 14.5993670312741%. The PAT margin of CreditAccess Grameen is 9.238%.
  • 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 declined by -63.3268% YOY. 

 Financial Ratios -

  • Return on Equity (ROE): CreditAccess Grameen has a poor ROE track record. The ROE of CreditAccess Grameen is at 7.9045% 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 1359.2. CreditAccess Grameen is trading at a current P/E ratio of 28.6303 and the average historical P/E for the last 5 years was 34.5683442500366.
  • P/B ratio can be one of the best metrics to value such companies. Currently, CreditAccess Grameen is trading at a P/B of 3.03507011007488. The average historical P/B for the last 5 years was 2.92634442789149. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

One can find all the Financial Ratios of CreditAccess Grameen in Ticker for free. Also, one can get the intrinsic value of CreditAccess Grameen by using Valuation Calculators, which are available with a Finology ONE subscription. 

CreditAccess Grameen FAQs

Q1. What is CreditAccess Grameen share price today?
Ans: The current share price of CreditAccess Grameen is Rs 1359.2.

Q2. What is the market capitalisation of CreditAccess Grameen?
Ans: CreditAccess Grameen has a market capitalisation of Rs 21744.70342144 Cr., calculated based on its latest share price.

Q3. What are the P/E and P/B ratios of CreditAccess Grameen?
Ans: The PE ratio of CreditAccess Grameen is 162.649881530766 and the P/B ratio of CreditAccess Grameen is 3.03507011007488, showing how the stock is valued against its earnings and book value.

Q4. What is the 52-week high and low of CreditAccess Grameen share?
Ans: The 52-week high share price of CreditAccess Grameen is Rs 1490.1, and the 52-week low share price of CreditAccess Grameen is Rs 750.2.

Q5. Does CreditAccess Grameen pay dividends?
Ans: Currently, CreditAccess Grameen does not pay dividends. Dividend yield of CreditAccess Grameen is around 0%.

Q6. What are the face value and book value of CreditAccess Grameen shares?
Ans: The face value of CreditAccess Grameen shares is Rs 10, while the book value per share of CreditAccess Grameen is around Rs 447.8315. Face value is the nominal value set by the company, whereas book value reflects its accounting worth. 

Q7. What are the ROE and ROCE of CreditAccess Grameen?
Ans: The ROE of CreditAccess Grameen is 7.9045% and ROCE of CreditAccess Grameen is 9.5457%. ROE shows how efficiently the company is generating profit from shareholders’ equity, while the ROCE is reflects how efficiently the company uses its capital to generate returns.

Q8. Is CreditAccess Grameen a good buy for the long term?
Ans: The CreditAccess Grameen long-term outlook depends on debt levels, earnings growth, and sector trends. If it sustains profits and manages debt well, it may be considered for long-term investment.

Q9. Is CreditAccess Grameen undervalued or overvalued?
Ans: Based on valuation ratios like P/E, P/B, and EV/EBITDA, one can analyse whether the CreditAccess Grameen appears undervalued or overvalued at current levels. You can check detailed valuation metrics and peer comparisons on Finology Ticker.

Q10. How to check CreditAccess Grameen’s financials?
Ans: You can review CreditAccess Grameen’s financial statements - including balance sheet, income statement, and quarterly results - on Finology Ticker.

Last Updated on:
Brief about CreditAccess Grameen
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