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STOCKS

CreditAccess Grameen Ltd. (IN:CREDITACC)

:CREDITACC

CREDITACC

CreditAccess Grameen Ltd.

RESEARCH TOOLSreports

CreditAccess Grameen Ltd. (CREDITACC) Ratios

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2 Followers

CreditAccess Grameen Ltd. Ratios

IN:CREDITACC's free cash flow for Q1 2026 was ₹0.50. For the 2026 fiscal year, IN:CREDITACC's free cash flow was decreased by ₹ and operating cash flow was ₹0.43. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.00	1.56	1.77	1.77	1.26
Quick Ratio	0.00	1.56	1.77	1.77	0.13
Cash Ratio	0.00	0.12	0.11	0.11	0.08
Solvency Ratio	0.03	0.03	0.07	0.07	0.12
Operating Cash Flow Ratio	0.00	0.10	-0.46	-0.46	-0.20
Short-Term Operating Cash Flow Coverage	0.00	0.11	-0.48	-0.48	-0.41
Net Current Asset Value	₹ -211.54B	₹ -41.04B	₹ -42.08B	₹ -42.08B	₹ 43.64B
Leverage Ratios
Debt-to-Assets Ratio	0.73	0.74	0.76	0.76	0.75
Debt-to-Equity Ratio	2.81	2.95	3.32	3.32	3.19
Debt-to-Capital Ratio	0.74	0.75	0.77	0.77	0.76
Long-Term Debt-to-Capital Ratio	0.74	0.59	0.65	0.65	0.62
Financial Leverage Ratio	3.84	4.00	4.39	4.39	4.28
Debt Service Coverage Ratio	0.00	0.07	0.17	0.17	0.26
Interest Coverage Ratio	0.00	13.28	10.51	10.51	47.90
Debt to Market Cap	0.99	1.32	0.97	0.97	1.12
Interest Debt Per Share	1.31K	1.30K	1.39K	1.39K	1.03K
Net Debt to EBITDA	19.20	19.90	9.39	9.39	6.29
Profitability Margins
Gross Profit Margin	63.99%	56.88%	29.80%	29.80%	48.31%
EBIT Margin	17.09%	16.37%	72.05%	72.05%	37.77%
EBITDA Margin	18.20%	17.49%	73.76%	73.76%	71.11%
Operating Profit Margin	47.49%	47.45%	76.48%	76.48%	33.03%
Pretax Profit Margin	11.29%	12.80%	64.77%	64.77%	33.03%
Net Profit Margin	8.57%	9.59%	48.30%	48.30%	24.68%
Continuous Operations Profit Margin	8.57%	9.59%	48.30%	48.30%	24.68%
Net Income Per EBT	75.91%	74.96%	74.56%	74.56%	74.73%
EBT Per EBIT	23.77%	26.97%	84.69%	84.69%	100.00%
Return on Assets (ROA)	1.70%	1.91%	5.01%	5.01%	3.78%
Return on Equity (ROE)	6.81%	7.64%	22.01%	22.01%	16.18%
Return on Capital Employed (ROCE)	9.41%	15.41%	12.28%	12.28%	21.41%
Return on Invested Capital (ROIC)	0.00%	7.16%	3.75%	3.75%	6.29%
Return on Tangible Assets	1.73%	1.94%	5.10%	5.10%	3.87%
Earnings Yield	2.31%	3.44%	6.45%	6.45%	5.69%
Efficiency Ratios
Receivables Turnover	0.00	236.72	38.11	0.00	0.00
Payables Turnover	0.00	74.51	57.55	57.55	39.27
Inventory Turnover	0.00	0.00	0.00	0.00	0.09
Fixed Asset Turnover	42.94	42.38	24.61	24.61	34.57
Asset Turnover	0.20	0.20	0.10	0.10	0.15
Working Capital Turnover Ratio	-270.19	0.80	0.29	0.49	0.87
Cash Conversion Cycle	0.00	-3.36	3.23	-6.34	3.99K
Days of Sales Outstanding	0.00	1.54	9.58	0.00	0.00
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	4.00K
Days of Payables Outstanding	0.00	4.90	6.34	6.34	9.29
Operating Cycle	0.00	1.54	9.58	0.00	4.00K
Cash Flow Ratios
Operating Cash Flow Per Share	0.00	70.39	-297.53	-297.53	-207.25
Free Cash Flow Per Share	0.00	68.72	-298.81	-298.81	-208.34
CapEx Per Share	0.00	1.67	0.74	0.74	1.09
Free Cash Flow to Operating Cash Flow	0.00	0.98	1.00	1.00	1.01
Dividend Paid and CapEx Coverage Ratio	0.00	6.05	-399.48	-399.48	-189.94
Capital Expenditure Coverage Ratio	0.00	42.18	-399.48	-399.48	-189.94
Operating Cash Flow Coverage Ratio	0.00	0.05	-0.22	-0.22	-0.20
Operating Cash Flow to Sales Ratio	0.00	0.20	-1.58	-1.58	-0.98
Free Cash Flow Yield	0.00%	7.11%	-21.21%	-21.21%	-22.76%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	43.28	29.08	15.50	15.50	17.59
Price-to-Sales (P/S) Ratio	3.71	2.79	7.49	7.49	4.34
Price-to-Book (P/B) Ratio	2.82	2.22	3.41	3.41	2.84
Price-to-Free Cash Flow (P/FCF) Ratio	0.00	14.07	-4.71	-4.71	-4.39
Price-to-Operating Cash Flow Ratio	0.00	13.73	-4.73	-4.73	-4.42
Price-to-Earnings Growth (PEG) Ratio	0.16	-0.46	0.21	0.21	0.13
Price-to-Fair Value	2.82	2.22	3.41	3.41	2.84
Enterprise Value Multiple	39.60	35.85	19.54	19.54	12.40
Enterprise Value	408.07B	347.36B	431.47B	431.47B	294.98B
EV to EBITDA	39.60	35.85	19.54	19.54	12.40
EV to Sales	7.21	6.27	14.41	14.41	8.81
EV to Free Cash Flow	0.00	31.62	-9.08	-9.08	-8.92
EV to Operating Cash Flow	0.00	30.87	-9.11	-9.11	-8.97
Tangible Book Value Per Share	441.61	405.31	382.00	382.00	289.84
Shareholders’ Equity Per Share	465.10	435.11	412.94	412.94	321.73
Tax and Other Ratios
Effective Tax Rate	0.24	0.25	0.25	0.25	0.25
Revenue Per Share	354.05	346.49	188.17	188.17	210.83
Net Income Per Share	30.34	33.24	90.88	90.88	52.04
Tax Burden	0.76	0.75	0.75	0.75	0.75
Interest Burden	0.66	0.78	0.90	0.90	0.87
Research & Development to Revenue	0.00	0.00	0.00	0.00	<0.01
SG&A to Revenue	0.00	0.01	0.02	0.02	0.01
Stock-Based Compensation to Revenue	0.00	<0.01	<0.01	<0.01	<0.01
Income Quality	0.00	2.12	-3.27	-3.27	-2.98

Currency in INR