CreditAccess Grameen Ltd. (IN:CREDITACC)
:CREDITACC
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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₹1,101.00 - ₹1,566.00
Previous CloseN/A
Volume2.99M
Average Volume (3M)10.87K
Market Cap
₹203.89B
Enterprise Value₹430.52B
Total Cash (Recent Filing)₹9.37B
Total Debt (Recent Filing)₹201.03B
Price to Earnings (P/E)26.0
Beta1.14
Next Earnings
Jul 23, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield0.77%
Share Statistics
EPS (TTM)8.36
Shares Outstanding160,232,540
10 Day Avg. Volume9,672
30 Day Avg. Volume10,870
Financial Highlights & Ratios
PEG Ratio0.52
Price to Book (P/B)2.36
Price to Sales (P/S)3.08
P/FCF Ratio6.82
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)96
Revenue Forecast (FY)₹49.15B
Bulls Say, Bears Say
Bulls Say
Business Model / Market PositionCreditAccess Grameen’s microfinance focus and group-lending model target low-income rural and semi-urban households, creating repeat borrowing, strong customer stickiness and diversified small-ticket exposure. This structural distribution and product fit support durable origination and stable client relationships over time.
Consistent Revenue GrowthSustained top-line growth across recent years, including an ~8% increase in the latest year, indicates expanding penetration and scale. Persistent revenue momentum underpins operating leverage, increases capacity to absorb credit costs, and supports long-term profitability if portfolio quality and collections remain sound.
Improved Cash GenerationThe shift to positive operating and free cash flow in 2025–2026 signals improved collections and working-capital dynamics. Stronger cash generation enhances internal funding capacity, reduces dependence on external borrowings, and gives management room to reinvest, build buffers, or modestly de-lever over the medium term.
Bears Say
Elevated LeverageLeverage near three times equity materially increases sensitivity to interest-rate moves and funding-market stress for a lending franchise. High debt limits financial flexibility, constrains capital buffers for losses, and amplifies downside to earnings and solvency metrics if credit costs rise or funding becomes more expensive.
Earnings VolatilityWide swings in net income across consecutive years reduce earnings predictability and complicate capital planning. Volatile profitability can force uneven provisioning, constrain dividend or growth plans, and makes longer-term forecasting and stress testing more uncertain for stakeholders and lenders.
Historically Uneven Cash ConversionA multi-year period of negative operating and free cash flow through 2021–2024 indicates past reliance on external funding to support growth. Even with recent improvement, the prior pattern raises questions about durability of internal funding and increases risk if growth accelerates or funding markets tighten.
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 ₹1101.00 and its highest was ₹1566.00 in the past 12 months.
What is CreditAccess Grameen Ltd.’s market cap?
CreditAccess Grameen Ltd.’s market cap is ₹203.89B.
When is CreditAccess Grameen Ltd.’s upcoming earnings report date?
CreditAccess Grameen Ltd.’s upcoming earnings report date is Jul 23, 2026 which is in 47 days.
How were CreditAccess Grameen Ltd.’s earnings last quarter?
CreditAccess Grameen Ltd. released its earnings results on May 08, 2026. The company reported ₹21.05 earnings per share for the quarter, beating the consensus estimate of ₹19.033 by ₹2.017.
Is CreditAccess Grameen Ltd. overvalued?
According to Wall Street analysts CreditAccess Grameen Ltd.’s price is currently Overvalued.
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 for its next earnings report is not yet available.
How many shares outstanding does CreditAccess Grameen Ltd. have?
CreditAccess Grameen Ltd. has 160,232,540 shares outstanding.
What happened to CreditAccess Grameen Ltd.’s price movement after its last earnings report?
CreditAccess Grameen Ltd. reported an EPS of ₹21.05 in its last earnings report, beating expectations of ₹19.033. Following the earnings report the stock price went up 0.517%.
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.
Technical Analysis
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