CreditAccess Grameen Ltd. (CREDITACC) Ratios

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CreditAccess Grameen Ltd. Ratios

IN:CREDITACC's free cash flow for Q2 2026 was ₹0.66. For the 2026 fiscal year, IN:CREDITACC's free cash flow was decreased by ₹ and operating cash flow was ₹0.47. See a summary of the company’s cash flow.

Ratios	TTM	Mar 25	Mar 24	Mar 23	Mar 22
Liquidity Ratios
Current Ratio	0.00	1.56	1.77	1.26	1.44
Quick Ratio	0.00	1.56	1.77	0.13	0.24
Cash Ratio	0.00	0.12	0.11	0.08	0.21
Solvency Ratio	0.03	0.03	0.07	0.05	0.03
Operating Cash Flow Ratio	0.00	0.10	-0.46	-0.20	-0.37
Short-Term Operating Cash Flow Coverage	0.00	0.11	-0.48	-0.41	-0.38
Net Current Asset Value	₹ -211.54B	₹ -41.04B	₹ -42.08B	₹ 43.64B	₹ -26.21B
Leverage Ratios
Debt-to-Assets Ratio	0.73	0.74	0.76	0.75	0.75
Debt-to-Equity Ratio	2.81	2.95	3.32	3.19	3.12
Debt-to-Capital Ratio	0.74	0.75	0.77	0.76	0.76
Long-Term Debt-to-Capital Ratio	0.74	0.59	0.65	0.62	0.58
Financial Leverage Ratio	3.84	4.00	4.39	4.28	4.17
Debt Service Coverage Ratio	0.00	0.07	0.17	0.13	0.08
Interest Coverage Ratio	0.00	13.28	10.80	8.92	6.09
Debt to Market Cap	1.06	1.32	0.97	1.12	0.96
Interest Debt Per Share	1.31K	1.30K	1.39K	1.04K	832.85
Net Debt to EBITDA	19.20	19.90	9.39	11.39	15.99
Profitability Margins
Gross Profit Margin	63.42%	56.88%	57.15%	54.19%	53.33%
EBIT Margin	17.09%	16.37%	43.98%	38.34%	26.20%
EBITDA Margin	18.20%	17.49%	45.02%	39.85%	28.05%
Operating Profit Margin	47.49%	47.45%	47.97%	42.91%	44.60%
Pretax Profit Margin	11.29%	12.80%	39.54%	33.53%	18.88%
Net Profit Margin	8.57%	9.59%	29.48%	25.06%	13.86%
Continuous Operations Profit Margin	8.57%	9.59%	29.48%	25.06%	13.86%
Net Income Per EBT	75.91%	74.96%	74.56%	74.73%	73.44%
EBT Per EBIT	23.77%	26.97%	82.41%	78.13%	42.32%
Return on Assets (ROA)	1.70%	1.91%	5.01%	3.78%	2.03%
Return on Equity (ROE)	6.81%	7.64%	22.01%	16.18%	8.47%
Return on Capital Employed (ROCE)	9.41%	15.41%	12.62%	27.40%	11.39%
Return on Invested Capital (ROIC)	0.00%	7.16%	3.86%	8.05%	4.87%
Return on Tangible Assets	1.73%	1.94%	5.10%	3.87%	2.09%
Earnings Yield	2.47%	3.44%	6.45%	5.69%	2.62%
Efficiency Ratios
Receivables Turnover	0.00	236.72	62.44	27.73	27.07
Payables Turnover	0.00	74.51	57.55	34.28	34.18
Inventory Turnover	0.00	0.00	0.00	0.08	0.13
Fixed Asset Turnover	42.94	42.38	40.32	34.06	23.90
Asset Turnover	0.20	0.20	0.17	0.15	0.15
Working Capital Turnover Ratio	-270.19	0.80	0.80	0.86	0.75
Cash Conversion Cycle	0.00	-3.36	-0.50	4.58K	2.74K
Days of Sales Outstanding	0.00	1.54	5.85	13.16	13.48
Days of Inventory Outstanding	0.00	0.00	0.00	4.58K	2.74K
Days of Payables Outstanding	0.00	4.90	6.34	10.65	10.68
Operating Cycle	0.00	1.54	5.85	4.59K	2.75K
Cash Flow Ratios
Operating Cash Flow Per Share	19.78	70.39	-297.53	-207.25	-171.36
Free Cash Flow Per Share	19.34	68.72	-298.81	-208.34	-173.12
CapEx Per Share	0.44	1.67	0.74	1.09	1.76
Free Cash Flow to Operating Cash Flow	0.98	0.98	1.00	1.01	1.01
Dividend Paid and CapEx Coverage Ratio	44.82	6.05	-399.48	-189.94	-97.43
Capital Expenditure Coverage Ratio	44.82	42.18	-399.48	-189.94	-97.43
Operating Cash Flow Coverage Ratio	0.02	0.05	-0.22	-0.20	-0.21
Operating Cash Flow to Sales Ratio	0.06	0.20	-0.97	-1.00	-1.07
Free Cash Flow Yield	1.58%	7.11%	-21.21%	-22.76%	-20.37%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	40.41	29.08	15.50	17.59	38.12
Price-to-Sales (P/S) Ratio	3.47	2.79	4.57	4.41	5.28
Price-to-Book (P/B) Ratio	2.64	2.22	3.41	2.84	3.23
Price-to-Free Cash Flow (P/FCF) Ratio	63.43	14.07	-4.71	-4.39	-4.91
Price-to-Operating Cash Flow Ratio	61.97	13.73	-4.73	-4.42	-4.96
Price-to-Earnings Growth (PEG) Ratio	0.15	-0.46	0.21	0.13	0.26
Price-to-Fair Value	2.64	2.22	3.41	2.84	3.23
Enterprise Value Multiple	38.24	35.85	19.54	22.45	34.83
Enterprise Value	394.12B	347.36B	431.47B	294.98B	248.84B
EV to EBITDA	38.24	35.85	19.54	22.45	34.83
EV to Sales	6.96	6.27	8.80	8.95	9.77
EV to Free Cash Flow	127.39	31.62	-9.08	-8.92	-9.07
EV to Operating Cash Flow	124.55	30.87	-9.11	-8.97	-9.17
Tangible Book Value Per Share	441.61	405.31	382.00	289.84	227.83
Shareholders’ Equity Per Share	465.10	435.11	412.94	321.73	263.06
Tax and Other Ratios
Effective Tax Rate	0.24	0.25	0.25	0.25	0.27
Revenue Per Share	354.05	346.49	308.29	207.70	160.80
Net Income Per Share	30.34	33.24	90.88	52.04	22.29
Tax Burden	0.76	0.75	0.75	0.75	0.73
Interest Burden	0.66	0.78	0.90	0.87	0.72
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.00	0.01	<0.01	0.01	0.01
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	<0.01	<0.01
Income Quality	1.63	2.12	-3.27	-2.98	-5.65

Currency in INR