CreditAccess Grameen Ltd

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CreditAccess Grameen Ltd

₹ 1,119 1.60%
22 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 Leader
CreditAccess Grameen Limited is a leading microfinance institution in India, providing financial services to low-income households, primarily women, in rural and semi-urban areas. It holds a 6% market share in the overall microfinance industry. [1][2]

Website BSE NSE
  • Market Cap ₹ 17,869 Cr.
  • Current Price ₹ 1,119
  • High / Low ₹ 1,553 / 750
  • Stock P/E 33.6
  • Book Value ₹ 436
  • Dividend Yield 0.89 %
  • ROCE 9.52 %
  • ROE 7.86 %
  • Face Value ₹ 10.0
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Pros

Cons

  • Stock is trading at 2.57 times its book value
  • Company has low interest coverage ratio.
  • Dividend payout has been low at 0.37% of profits over last 3 years
  • Promoter holding has decreased over last 3 years: -7.42%

* 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

Sector: Finance Industry: Finance & Investments

Part of BSE 500 Nifty 500 BSE SmallCap Nifty Smallcap 100 BSE Allcap

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
822 760 812 908 1,065 1,170 1,247 1,292 1,457 1,512 1,453 1,380 1,407
Interest 267 280 273 314 346 385 424 442 482 510 485 475 478
327 280 299 293 311 306 345 365 434 453 700 1,020 864
Financing Profit 228 200 240 301 409 479 478 486 542 549 269 -115 65
Financing Margin % 28% 26% 30% 33% 38% 41% 38% 38% 37% 36% 18% -8% 5%
3 1 2 2 1 1 1 3 2 1 1 2 1
Depreciation 12 12 13 13 12 12 12 13 14 14 17 16 15
Profit before tax 218 189 229 290 398 467 467 476 529 535 252 -129 51
Tax % 26% 27% 24% 25% 25% 25% 26% 26% 25% 26% 26% -23% 8%
160 139 175 217 297 348 347 353 397 398 186 -100 47
EPS in Rs 10.08 8.89 11.22 13.59 18.98 22.30 21.81 22.20 24.91 24.95 11.67 -6.24 2.96
Gross NPA % 3.61% 3.11% 2.17% 1.71% 1.21% 0.89% 0.77% 0.97% 1.18% 1.46% 2.44% 3.99% 4.76%
Net NPA % 0.77% 0.59% 0.27% 0.24% 0.29% 0.35% 0.45% 0.76% 1.28% 1.73%
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Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
1,282 1,704 2,461 2,669 3,487 5,119 5,752
Interest 417 582 933 987 1,216 1,738 1,948
361 641 1,308 1,235 1,179 1,444 3,037
Financing Profit 504 481 219 447 1,092 1,937 767
Financing Margin % 39% 28% 9% 17% 31% 38% 13%
1 1 5 81 64 54 4
Depreciation 8 20 44 47 50 51 62
Profit before tax 498 462 180 481 1,105 1,939 709
Tax % 35% 27% 27% 27% 25% 25% 25%
322 335 131 353 826 1,446 531
EPS in Rs 22.41 23.17 8.61 22.65 52.87 90.72 33.27
Dividend Payout % 0% 0% 0% 0% 0% 1% 0%
Compounded Sales Growth
10 Years: %
5 Years: 28%
3 Years: 29%
TTM: 12%
Compounded Profit Growth
10 Years: %
5 Years: 10%
3 Years: 15%
TTM: -63%
Stock Price CAGR
10 Years: %
5 Years: 23%
3 Years: 6%
1 Year: -20%
Return on Equity
10 Years: %
5 Years: 13%
3 Years: 16%
Last Year: 8%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 144 144 156 156 159 159 160
Reserves 2,222 2,590 3,536 4,011 4,948 6,411 6,796
Borrowing 4,867 9,540 10,941 12,921 16,312 21,841 20,446
126 316 427 394 439 435 401
Total Liabilities 7,357 12,590 15,060 17,482 21,858 28,846 27,802
25 576 573 629 599 609 607
CWIP 2 3 1 3 4 5 0
Investments 0 46 1 1 455 1,439 893
7,330 11,965 14,486 16,849 20,801 26,794 26,302
Total Assets 7,357 12,590 15,060 17,482 21,858 28,846 27,802

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-1,378 -2,253 -455 -2,713 -3,290 -4,734 1,125
-7 -608 24 -33 -314 -994 708
1,829 2,915 2,146 1,967 3,365 5,494 -1,669
Net Cash Flow 444 54 1,715 -780 -239 -234 164

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 13% 4% 9% 18% 25% 8%

Shareholding Pattern

Numbers in percentages

20 Recently
Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
73.82% 73.74% 73.71% 73.68% 66.77% 66.69% 66.66% 66.58% 66.56% 66.54% 66.50% 66.43%
8.67% 9.33% 9.60% 9.67% 9.55% 11.46% 12.00% 11.65% 10.88% 10.76% 9.76% 11.38%
10.75% 12.68% 12.53% 12.27% 11.90% 15.78% 15.79% 15.76% 16.25% 14.86% 14.17% 12.67%
6.76% 4.25% 4.16% 4.38% 11.77% 6.08% 5.57% 6.01% 6.31% 7.83% 9.57% 9.50%
No. of Shareholders 34,14239,64540,89141,97940,62251,17257,98969,82483,6031,03,9281,25,0041,19,819

* 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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