CreditAccess Grameen Ltd

CreditAcc. Gram. Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

CreditAccess Grameen Ltd

₹ 1,315 -0.87%
15 May - close price
creditaccessgrameen.in BSE: 541770 NSE: CREDITACC
About

CreditAccess Grameen Limited is registered as a non-deposit accepting NBFC - Microfinance Institution with the RBI. It is engaged in providing microfinance services to women who are enrolled as members and organized as Joint Liability Groups. It also uses its distribution channel to provide certain other financial products and services to the members. [1]

Key Points

Market Leadership:[1]
CreditAccess Grameen is a microfinance institution in India, providing financial services to low-income households, primarily women, in rural and semi-urban areas. It holds a 6.9% market share in the overall microfinance industry.

Website BSE NSE
  • Market Cap ₹ 21,072 Cr.
  • Current Price ₹ 1,315
  • High / Low ₹ 1,568 / 1,084
  • Stock P/E 27.1
  • Book Value ₹ 490
  • Dividend Yield 0.00 %
  • ROCE 9.96 %
  • ROE 10.5 %
  • Face Value ₹ 10.0
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Pros

  • Company's median sales growth is 31.0% of last 10 years

Cons

  • Stock is trading at 2.69 times its book value
  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • Company has a low return on equity of 13.8% over last 3 years.
  • Dividend payout has been low at 3.67% of profits over last 3 years
  • Promoter holding has decreased over last 3 years: -7.44%

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Finance Microfinance Institutions

Part of BSE 500 Nifty 500 Nifty Smallcap 100 BSE Financial Services BSE 250 SmallCap Index

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
1,065 1,170 1,247 1,292 1,457 1,512 1,453 1,380 1,407 1,463 1,508 1,490 1,597
Interest 346 385 424 442 482 510 485 475 478 482 480 459 478
311 309 342 365 434 453 700 1,020 864 885 845 678 660
Financing Profit 409 477 481 486 542 549 269 -115 65 96 184 353 459
Financing Margin % 38% 41% 39% 38% 37% 36% 18% -8% 5% 7% 12% 24% 29%
1 1 1 3 2 1 1 2 1 1 1 1 1
Depreciation 12 12 12 13 14 14 17 16 15 15 16 16 16
Profit before tax 398 465 469 476 529 535 252 -129 51 81 169 338 445
Tax % 25% 26% 26% 26% 25% 26% 26% -23% 8% 26% 26% 25% 24%
297 346 349 353 397 398 186 -100 47 60 126 252 340
EPS in Rs 18.98 22.16 21.95 22.20 24.91 24.95 11.67 -6.24 2.96 3.77 7.87 15.75 21.20
Gross NPA % 1.21% 0.89% 0.77% 0.97% 1.18% 1.46% 2.44% 3.99% 4.76% 4.70% 3.65% 4.04% 3.17%
Net NPA % 0.35% 0.27% 0.24% 0.29% 0.35% 0.45% 0.76% 1.28% 1.73% 1.78% 1.26% 1.36% 1.12%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
278 464 708 871 1,282 1,683 2,028 2,669 3,487 5,167 5,752 6,059
Interest 129 208 317 354 417 575 745 987 1,216 1,738 1,955 1,899
76 126 264 184 361 639 1,069 1,235 1,179 1,444 3,030 3,067
Financing Profit 74 130 128 332 504 470 214 447 1,092 1,984 767 1,093
Financing Margin % 26% 28% 18% 38% 39% 28% 11% 17% 31% 38% 13% 18%
3 2 1 1 1 1 3 81 64 6 4 4
Depreciation 2 3 4 5 8 20 23 47 50 51 62 63
Profit before tax 75 130 124 328 498 451 194 481 1,105 1,939 709 1,033
Tax % 35% 36% 35% 35% 35% 27% 27% 27% 25% 25% 25% 25%
49 83 80 212 322 328 142 353 826 1,446 531 778
EPS in Rs 6.68 11.41 9.37 16.54 22.41 22.75 9.15 22.65 52.87 90.72 33.27 48.54
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 0% 0% 11% 0% 0%
Compounded Sales Growth
10 Years: 29%
5 Years: 24%
3 Years: 20%
TTM: 5%
Compounded Profit Growth
10 Years: 25%
5 Years: 40%
3 Years: -2%
TTM: 46%
Stock Price CAGR
10 Years: %
5 Years: 17%
3 Years: 4%
1 Year: 9%
Return on Equity
10 Years: 13%
5 Years: 14%
3 Years: 14%
Last Year: 11%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 73 73 86 128 144 144 156 156 159 159 160 160
Reserves 303 387 605 1,309 2,222 2,525 3,479 4,011 4,948 6,411 6,796 7,682
Borrowing 1,291 2,233 2,668 3,623 4,867 7,823 8,781 12,921 16,312 21,841 20,446 23,641
60 115 205 53 126 170 281 394 439 460 401 446
Total Liabilities 1,727 2,808 3,564 5,114 7,357 10,662 12,697 17,482 21,858 28,871 27,802 31,930
4 11 12 16 25 87 101 629 599 609 604 588
CWIP 2 0 3 1 2 3 1 3 4 5 4 0
Investments 0 0 0 0 0 661 663 1 455 1,439 893 1,075
1,720 2,796 3,549 5,096 7,330 9,911 11,932 16,849 20,801 26,818 26,302 30,267
Total Assets 1,727 2,808 3,564 5,114 7,357 10,662 12,697 17,482 21,858 28,871 27,802 31,930

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-931 -425 -1,726 -1,378 -2,302 -364 -1,969 -3,290 -4,734 1,125 -2,770
-4 -5 54 -7 -636 -32 -189 -314 -994 708 -101
934 579 1,470 1,829 2,929 1,706 1,684 3,365 5,494 -1,669 2,751
Net Cash Flow -1 149 -202 444 -9 1,310 -473 -239 -234 164 -120
Free Cash Flow -939 -433 -1,731 -1,396 -2,323 -376 -1,992 -3,307 -4,754 1,092 -2,787
CFO/OP -262% -79% -241% -130% -205% -27% -129% -132% -112% 54% -86%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 17% 20% 14% 20% 17% 13% 5% 9% 18% 25% 8% 11%

Insights

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Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Gross Loan Portfolio (AUM)
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Gross NPA/GNPA (%)
%
Number of Active Borrowers
Lakh
Number of Branches
Numbers
Total Employees
Numbers
Collection Efficiency (Excl. Arrears)
%

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Shareholding Pattern

Numbers in percentages

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
66.77% 66.69% 66.66% 66.58% 66.56% 66.54% 66.50% 66.43% 66.43% 66.37% 66.28% 66.24%
9.55% 11.46% 12.00% 11.65% 10.88% 10.76% 9.76% 11.38% 12.13% 12.29% 11.68% 12.94%
11.90% 15.78% 15.79% 15.76% 16.25% 14.86% 14.17% 12.67% 12.76% 13.33% 13.23% 12.59%
11.77% 6.08% 5.57% 6.01% 6.31% 7.83% 9.57% 9.50% 8.67% 8.02% 8.81% 8.23%
No. of Shareholders 40,62251,17257,98969,82483,6031,03,9281,25,0041,19,8191,01,90283,94385,66683,884

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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