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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₹860.00 - ₹1,496.60
Previous CloseN/A
Volume2.99M
Average Volume (3M)10.87K
Market Cap
₹185.35B
Enterprise Value₹383.56B
Total Cash (Recent Filing)₹9.37B
Total Debt (Recent Filing)₹201.03B
Price to Earnings (P/E)20.2
Beta1.11
Next Earnings
May 13, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield0.77%
Share Statistics
EPS (TTM)15.68
Shares Outstanding160,146,730
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)47.85
Revenue Forecast (FY)₹41.43B
Bulls Say, Bears Say
Bulls Say
Rural Microfinance Business ModelA focused microfinance model serving rural and semi-urban customers via group lending creates durable demand and distribution advantages. Group liability and small-ticket repeat loans support collections, customer retention and predictable origination flow, sustaining core revenues over the medium term.
Strong Operating MarginsConsistently healthy EBIT/EBITDA margins indicate operational efficiency across lending and field operations, enabling the firm to absorb credit costs and maintain profitability even with revenue volatility. Margin resilience supports sustainable earnings and reinvestment capability over months.
Improving Equity Position And Moderate ROEAn improving equity ratio provides a stronger capital buffer to absorb shocks and comply with regulatory capital needs, while moderate ROE shows the business generates shareholder returns. Together these structural balance-sheet improvements enhance funding optionality and stability.
Bears Say
High LeverageElevated debt-to-equity increases refinancing and interest-rate sensitivity, restricting strategic flexibility. High leverage can raise funding costs, force more conservative lending, and heighten solvency risk if macro or credit conditions deteriorate, posing a persistent structural constraint.
Weak Cash GenerationPersistent negative free cash flow limits the firm's ability to self-fund loan growth, investments or buffer costs. Reliance on external funding raises liquidity and rollover risk and makes the company vulnerable to tighter credit markets or higher funding costs over the medium term.
Recent Revenue DeclineA recent drop in revenue signals potential demand, penetration or pricing challenges in core markets. Reduced top-line scale can erode operating leverage, pressure margins and slow portfolio expansion, creating sustained headwinds for earnings growth absent a clear recovery.
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 ₹860.00 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 ₹185.35B.
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 51 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 for its next earnings report is not yet available.
How many shares outstanding does CreditAccess Grameen Ltd. have?
CreditAccess Grameen Ltd. has 160,146,730 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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