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₹1,000.00 - ₹1,496.60
Previous CloseN/A
Volume2.99M
Average Volume (3M)10.87K
Market Cap
₹195.82B
Enterprise Value₹394.12B
Total Cash (Recent Filing)₹9.37B
Total Debt (Recent Filing)₹201.03B
Price to Earnings (P/E)20.2
Beta1.04
Next Earnings
May 13, 2026EPS Estimate
19.03Next 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
Microfinance Business ModelCreditAccess Grameen’s core microfinance model targets low-income households via small-ticket, group-based loans in rural and semi-urban markets. This structure supports high client retention, predictable collection mechanics via joint-liability, and steady demand from a large underserved addressable market over the medium term.
Sustainable Operating MarginsReported positive gross and net margins alongside strong EBIT/EBITDA margins indicate efficient operations and disciplined cost management. Durable margin performance provides a buffer against credit cycles, allowing the company to sustain lending operations and reinvest in distribution even if top-line growth moderates.
Improving Equity RatioAn improving equity ratio signals a stronger capital base and greater loss-absorption capacity. Over time this reduces solvency risk, permits more conservative leverage management, and increases flexibility to support loan growth or weather asset-quality stress without immediate reliance on external capital.
Bears Say
High LeverageA high debt-to-equity ratio raises funding-cost sensitivity and constrains strategic flexibility. In a rising-rate environment or under collection stress, heavy leverage can quickly compress net interest margins and restrict the company’s ability to grow loans or absorb credit losses without raising costly capital.
Weak Cash GenerationPersistent negative free cash flow and poor cash conversion versus net income mean the firm depends on external funding to sustain lending and operations. This elevates refinancing and liquidity risk, making medium-term growth and capital return plans contingent on market access and favorable funding conditions.
Recent Revenue DeclineA recent top-line decline weakens scale economics and could erode operating leverage if sustained. Falling revenues may reflect slower disbursements or demand shifts; without recovery or product diversification, margin maintenance and long-term ROE improvement will be more challenging.
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 ₹1000.00 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 ₹195.82B.
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 30 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 160,196,030 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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