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₹1,066.50 - ₹1,496.60
Previous CloseN/A
Volume2.99M
Average Volume (3M)10.87K
Market Cap
₹208.10B
Enterprise Value₹405.97B
Total Cash (Recent Filing)₹9.37B
Total Debt (Recent Filing)₹201.03B
Price to Earnings (P/E)20.2
Beta1.04
Next Earnings
May 08, 2026EPS Estimate
19.03Next Dividend Ex-DateN/A
Dividend Yield0.77%
Share Statistics
EPS (TTM)8.36
Shares Outstanding160,202,840
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)92.94
Revenue Forecast (FY)₹48.02B
Bulls Say, Bears Say
Bulls Say
Strong Operating MarginsSustained strong EBIT/EBITDA margins indicate efficient field operations and cost control across branches. Over 2-6 months this supports resilience to credit-cost shocks and funds reinvestment in distribution, helping maintain profitability even if top-line growth weakens.
Rural, Group-based Microfinance ModelA group-based model and deep rural/semi-urban presence create structural advantages: community-based collections, high customer retention, and product-market fit for small-ticket loans. These traits support repeat business and portfolio stability over the medium term.
Improving Equity Ratio And Moderate ROEAn improving equity ratio reduces solvency risk and provides a buffer against portfolio stress, while moderate ROE shows the firm can generate returns without excessive leverage. Combined, this improves funding flexibility and long-term stability.
Bears Say
High LeverageA high debt-to-equity ratio increases interest burden and reduces financial flexibility. For an NBFC, elevated leverage raises sensitivity to funding-cost moves and liquidity squeezes, constraining growth finance and amplifying downside risk if asset quality deteriorates.
Weak Cash GenerationPersistent negative free cash flow and weak OCF-to-net-income imply reliance on external funding for operations and growth. This pressure increases refinancing and liquidity risk, making the franchise vulnerable to funding stress or higher borrowing costs over the medium term.
Recent Revenue DeclineA recent drop in total revenue signals lower disbursements or demand and weakens operating leverage. If revenue contraction persists it will limit margin expansion, slow deleveraging, and constrain the company's ability to absorb elevated credit and funding costs long term.
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 ₹1066.50 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 ₹208.10B.
When is CreditAccess Grameen Ltd.’s upcoming earnings report date?
CreditAccess Grameen Ltd.’s upcoming earnings report date is May 08, 2026 which is in 3 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 19.03.
How many shares outstanding does CreditAccess Grameen Ltd. have?
CreditAccess Grameen Ltd. has 160,202,840 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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