CreditAccess Grameen Ltd

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CreditAccess Grameen Ltd

₹ 1,287 -0.88%
27 May 4:01 p.m.
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 ₹ 20,618 Cr.
  • Current Price ₹ 1,287
  • High / Low ₹ 1,568 / 1,100
  • Stock P/E 26.5
  • Book Value ₹ 490
  • Dividend Yield 0.00 %
  • ROCE 9.96 %
  • ROE 10.5 %
  • Face Value ₹ 10.0
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Pros

Cons

  • Stock is trading at 2.63 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

Consolidated Figures in Rs. Crores / View Standalone

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
311 306 345 365 434 453 700 1,020 864 885 845 678 660
Financing Profit 409 479 478 486 542 549 269 -115 65 96 184 353 459
Financing Margin % 38% 41% 38% 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 398 467 467 476 529 535 252 -129 51 81 169 338 445
Tax % 25% 25% 26% 26% 25% 26% 26% -23% 8% 26% 26% 25% 24%
297 348 347 353 397 398 186 -100 47 60 126 252 340
EPS in Rs 18.98 22.30 21.81 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%
Net NPA % 0.27% 0.24% 0.29% 0.35% 0.45% 0.76% 1.28% 1.73% 1.78% 1.26% 1.36%
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
1,282 1,704 2,461 2,669 3,487 5,167 5,752 6,059
Interest 417 584 933 987 1,216 1,738 1,955 1,899
361 640 1,308 1,235 1,179 1,444 3,030 3,067
Financing Profit 504 481 219 447 1,092 1,984 767 1,093
Financing Margin % 39% 28% 9% 17% 31% 38% 13% 18%
1 1 5 81 64 6 4 4
Depreciation 8 20 44 47 50 51 62 63
Profit before tax 498 462 180 481 1,105 1,939 709 1,033
Tax % 35% 27% 27% 27% 25% 25% 25% 25%
322 335 131 353 826 1,446 531 778
EPS in Rs 22.41 23.17 8.61 22.65 52.87 90.72 33.27 48.54
Dividend Payout % -0% -0% -0% -0% -0% 11% -0% -0%
Compounded Sales Growth
10 Years: %
5 Years: 20%
3 Years: 20%
TTM: 5%
Compounded Profit Growth
10 Years: %
5 Years: 42%
3 Years: -2%
TTM: 46%
Stock Price CAGR
10 Years: %
5 Years: 15%
3 Years: 2%
1 Year: 10%
Return on Equity
10 Years: %
5 Years: 14%
3 Years: 14%
Last Year: 11%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 144 144 156 156 159 159 160 160
Reserves 2,222 2,590 3,536 4,011 4,948 6,411 6,796 7,682
Borrowing 4,867 9,540 10,941 12,921 16,312 21,841 20,446 23,641
126 316 427 394 439 460 401 447
Total Liabilities 7,357 12,590 15,060 17,482 21,858 28,871 27,802 31,930
25 576 573 629 599 609 604 588
CWIP 2 3 1 3 4 5 4 -0
Investments 0 46 1 1 455 1,439 893 1,075
7,330 11,965 14,486 16,849 20,801 26,818 26,302 30,267
Total Assets 7,357 12,590 15,060 17,482 21,858 28,871 27,802 31,930

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-1,378 -2,228 -455 -2,713 -3,290 -4,734 1,125 -2,770
-7 -638 24 -33 -314 -994 708 -101
1,829 2,921 2,146 1,967 3,365 5,494 -1,669 2,751
Net Cash Flow 444 54 1,715 -780 -239 -234 164 -120
Free Cash Flow -1,396 -2,250 -469 -2,741 -3,307 -4,754 1,092 -2,787
CFO/OP -130% -194% -29% -181% -132% -112% 54% -86%

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 14% 13% 4% 9% 18% 25% 8% 11%

Insights

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Gross Loan Portfolio (AUM)
INR Crore

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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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