CreditAccess Grameen Ltd. (CREDITACC) AI Stock Analysis

• Market Cap: ₹216.12B
• Dividend Yield: 0.72%
• Average Volume (3M): 15.67K
• Price to Earnings (P/E): 111.3
• Beta (1Y): 1.10
• Revenue Growth: 3.79%
• EPS Growth: -87.06%
• Country: IN
• Employees: 19,395
• Sector: Financial
• Sector Strength: 77
• Industry: Financial - Credit Services
• EPS (TTM): 3.80
• Shares Outstanding: 159,804,640
• 10 Day Avg. Volume: 14,321
• 30 Day Avg. Volume: 15,670
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ₹1,203.50
• Price Target Upside: -10.25% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 4

• Rating: 51 Neutral
• Price Target: ₹1,254.00 ▼(-6.49% Downside)

The overall stock score is primarily influenced by mixed financial performance and high valuation concerns. While technical indicators provide some positive signals, the high P/E ratio and negative cash flows highlight significant risks.

CreditAccess Grameen Ltd. Business Overview & Revenue Model

Company Description

CreditAccess Grameen Ltd. (CREDITACC) is a leading microfinance institution in India, primarily focused on providing financial services to underserved rural and semi-urban populations. The company offers microloans aimed at promoting financial inclusion and supporting the entrepreneurial activities of its clients, particularly women, to improve their socioeconomic status. Operating predominantly in the southern and western regions of India, CreditAccess Grameen Ltd. plays a vital role in the microfinance sector by facilitating access to credit for small entrepreneurs and low-income households.

How the Company Makes Money

CreditAccess Grameen Ltd. makes money primarily through the interest earned on the microloans it provides to its clients. The company extends small loans to individuals, often women, in rural and semi-urban areas who do not have access to traditional banking services. These loans are typically used for income-generating activities, such as agriculture, trade, and small businesses. The revenue model is centered on earning interest income from these loans, which form the bulk of the company's earnings. CreditAccess Grameen Ltd. also focuses on maintaining high collection efficiency and low default rates to ensure profitability. The company may also benefit from partnerships with financial institutions and government programs aimed at promoting financial inclusion, as well as securing funding from international development organizations that support microfinance initiatives.

CreditAccess Grameen Ltd. Financial Statement Overview

Summary

CreditAccess Grameen Ltd. shows mixed financial performance with healthy profitability margins but declining revenue and negative cash flows. High leverage and cash flow issues present risks, though there's improvement in the equity ratio.

Income Statement

CreditAccess Grameen Ltd. has demonstrated fluctuating revenue growth over the years, with recent declines in total revenue from 2024 to 2025. Gross and net profit margins have been positive, reflecting profitability despite revenue drops. The EBIT and EBITDA margins are strong, indicating efficient operational performance. However, the decline in revenue growth is a concern for long-term growth prospects.

Balance Sheet

The company's balance sheet shows a high debt-to-equity ratio, indicating potential leverage risks. However, the equity ratio has shown improvement, suggesting strengthening equity position. Return on equity is moderate, reflecting reasonable returns to shareholders but could be improved. The high level of total debt remains a key risk factor.

Cash Flow

Cash flow analysis reveals significant challenges, with negative free cash flow in most years. The operating cash flow to net income ratio is poor, indicating issues with cash generation relative to net income. The company's ability to maintain positive cash flow from operations is critical for future financial stability and requires attention.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	57.01B	18.79B	29.94B	34.93B	26.76B	24.50B
Gross Profit	24.38B	18.79B	8.92B	16.17B	11.95B	10.57B
EBITDA	26.62B	27.50B	22.08B	23.80B	15.25B	11.66B
Net Income	5.31B	5.31B	14.46B	8.26B	3.53B	1.34B
Balance Sheet
Total Assets	278.02B	278.02B	288.46B	218.58B	173.95B	150.59B
Cash, Cash Equivalents and Short-Term Investments	22.92B	22.92B	26.42B	20.41B	16.80B	24.67B
Total Debt	204.46B	204.46B	218.41B	163.12B	130.06B	110.17B
Total Liabilities	208.46B	208.46B	222.76B	167.51B	133.19B	112.63B
Stockholders Equity	69.56B	69.56B	65.70B	51.07B	41.67B	36.92B
Cash Flow
Free Cash Flow	0.00	10.99B	-47.54B	-33.07B	-27.42B	-4.69B
Operating Cash Flow	0.00	11.25B	-47.34B	-32.90B	-27.14B	-4.55B
Investing Cash Flow	0.00	7.08B	-9.94B	-3.14B	-329.60M	235.30M
Financing Cash Flow	0.00	-16.69B	54.94B	33.65B	19.68B	21.46B

CreditAccess Grameen Ltd. Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 1341.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:CREDITACC, the sentiment is Neutral. The current price of 1341 is below the 20-day moving average (MA) of 1344.02, above the 50-day MA of 1300.44, and above the 200-day MA of 1083.88, indicating a neutral trend. The MACD of 25.33 indicates Positive momentum. The RSI at 51.35 is Neutral, neither overbought nor oversold. The STOCH value of 34.88 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IN:CREDITACC.

CreditAccess Grameen Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.06B	11.97	10.24%	3.74%	9.75%	1.30%
CGCL	56 Neutral	₹178.43B	26.77		0.08%	39.82%	96.14%
FIVESTAR	56 Neutral	₹155.26B	14.23		0.38%	25.49%	19.81%
IIFL	56 Neutral	₹183.87B	56.72		0.75%	2.65%	-81.55%
MANAPPURAM	56 Neutral	₹240.43B	30.06		1.06%	4.83%	-64.41%
CREDITACC	51 Neutral	₹216.12B	111.27		0.72%	3.79%	-87.06%
SPANDANA	46 Neutral	₹23.37B	26.37		―	-26.77%	-431.45%