CreditAccess Grameen Ltd. (IN:CREDITACC)
:CREDITACC
CREDITACC Stock Chart & Stats
₹1332.70
-₹28.45(-2.76%)
At close: 4:00 PM EST
₹1332.70
-₹28.45(-2.76%)
Day’s Range― - ―
52-Week Range₹978.20 - ₹1,496.60
Previous CloseN/A
Volume2.99M
Average Volume (3M)10.87K
Market Cap
₹197.72B
Enterprise Value₹395.63B
Total Cash (Recent Filing)₹9.37B
Total Debt (Recent Filing)₹201.03B
Price to Earnings (P/E)20.2
Beta1.08
Next Earnings
May 13, 2026EPS Estimate
17.6Next Dividend Ex-DateN/A
Dividend Yield0.77%
Share Statistics
EPS (TTM)15.68
Shares Outstanding160,196,030
10 Day Avg. Volume9,672
30 Day Avg. Volume10,870
Financial Highlights & Ratios
PEG Ratio-0.46
Price to Book (P/B)2.22
Price to Sales (P/S)2.79
P/FCF Ratio14.07
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹1,600.00Price Target Upside20.06% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)92.04
Revenue Forecast (FY)₹47.79B
Bulls Say, Bears Say
Bulls Say
Rural-focused Group Lending ModelCreditAccess Grameen's core group-lending model targets rural and semi-urban households, creating social collateral and repeat-borrower dynamics. This structure supports collection efficiency, steady customer retention and scaling of small-ticket loans, underpinning durable loan book stability.
Sustained Operating MarginsConsistently positive gross/net margins and robust EBIT/EBITDA margins point to operational efficiency and disciplined cost management. Strong margins provide a cushion against credit cost volatility and funding cost increases, supporting sustainable profitability over a multi-quarter horizon.
Improving Equity PositionAn improving equity ratio signals a strengthening capital base, which enhances loss-absorbing capacity and supports regulatory compliance and measured growth. Moderate ROE indicates the company can generate shareholder returns while rebuilding balance-sheet resilience for future lending.
Bears Say
High LeverageMaterial leverage elevates refinancing and interest-rate sensitivity for a lending franchise whose earnings link to spread over funding costs. High debt limits strategic flexibility, raises funding cost risk if markets tighten, and increases vulnerability to credit shocks over several quarters.
Weak Cash GenerationPersistent negative free cash flow constrains the company's ability to self-fund growth, service debt, or build reserves. Reliance on external funding heightens execution risk and reduces buffer for asset-quality stress, making capital and liquidity management a multi-quarter priority.
Revenue Volatility And Recent DeclineA pattern of volatile revenue and a recent year-over-year decline undermines scale economics and raises questions about disbursement momentum or customer demand. Without stabilizing loan growth or product diversification, revenue weakness can pressure margins and long-term growth prospects.
CreditAccess Grameen Ltd. News
CREDITACC FAQ
What was CreditAccess Grameen Ltd.’s price range in the past 12 months?
CreditAccess Grameen Ltd. lowest stock price was ₹978.20 and its highest was ₹1496.60 in the past 12 months.
What is CreditAccess Grameen Ltd.’s market cap?
CreditAccess Grameen Ltd.’s market cap is ₹197.72B.
When is CreditAccess Grameen Ltd.’s upcoming earnings report date?
CreditAccess Grameen Ltd.’s upcoming earnings report date is May 13, 2026 which is in 34 days.
How were CreditAccess Grameen Ltd.’s earnings last quarter?
CreditAccess Grameen Ltd. released its earnings results on Jan 20, 2026. The company reported ₹15.68 earnings per share for the quarter, beating the consensus estimate of ₹14.367 by ₹1.313.
Is CreditAccess Grameen Ltd. overvalued?
According to Wall Street analysts CreditAccess Grameen Ltd.’s price is currently Undervalued.
Does CreditAccess Grameen Ltd. pay dividends?
CreditAccess Grameen Ltd. pays a Notavailable dividend of ₹10 which represents an annual dividend yield of 0.77%. See more information on CreditAccess Grameen Ltd. dividends here
What is CreditAccess Grameen Ltd.’s EPS estimate?
CreditAccess Grameen Ltd.’s EPS estimate is 17.6.
How many shares outstanding does CreditAccess Grameen Ltd. have?
CreditAccess Grameen Ltd. has 160,196,030 shares outstanding.
What happened to CreditAccess Grameen Ltd.’s price movement after its last earnings report?
CreditAccess Grameen Ltd. reported an EPS of ₹15.68 in its last earnings report, beating expectations of ₹14.367. Following the earnings report the stock price went down -3.332%.
Which hedge fund is a major shareholder of CreditAccess Grameen Ltd.?
Currently, no hedge funds are holding shares in IN:CREDITACC
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
CreditAccess Grameen Ltd.
CreditAccess Grameen Limited, a non-banking financial company, provides micro finance services for women from poor and low income households in India. The company offers microcredit loans for income generation, home improvement, emergency, family welfare, and Grameen Suraksha, as well as life insurance and national pension scheme. It also provides retail finance loans, such as Grameen Unnati, Grameen Udyog, Grameen Savaari, Grameen Vikas, Grameen Suvidha, and Grameen Swarna. As of March 31, 2022, the company operated 1,635 branches. The company was formerly known as Grameen Koota Financial Services Private Limited and changed its name to CreditAccess Grameen Limited in January 2018. CreditAccess Grameen Limited was incorporated in 1991 and is headquartered in Bengaluru, India. CreditAccess Grameen Limited is a subsidiary of CreditAccess India NV.
CREDITACC Stock 12 Month Forecast
Average Price Target
₹1,600.00
▲(20.06% Upside)
Technical Analysis
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