CreditAccess Grameen Ltd. (CREDITACC) AI Stock Analysis

• Market Cap: ₹205.79B
• Dividend Yield: 0.72%
• Average Volume (3M): 10.87K
• Price to Earnings (P/E): 105.9
• Beta (1Y): 0.99
• Revenue Growth: 3.79%
• EPS Growth: -87.06%
• Country: IN
• Employees: 19,395
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 3.80
• Shares Outstanding: 159,903,050
• 10 Day Avg. Volume: 9,672
• 30 Day Avg. Volume: 10,870
• PEG Ratio: -0.46
• Price to Book (P/B): 2.22
• Price to Sales (P/S): 2.70
• P/FCF Ratio: 14.07
• 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: ₹1,355.33
• Price Target Upside: 5.31% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3

• Rating: 53 Neutral
• Price Target: ₹1,306.00 ▲(1.48% Upside)

CreditAccess Grameen Ltd. faces significant challenges with high leverage and negative cash flows, impacting its financial performance. The technical indicators suggest potential bearish momentum, though a rebound is possible. The stock appears overvalued with a high P/E ratio and low dividend yield, limiting its attractiveness. Stabilizing revenue growth and improving cash flow management are critical for future performance.

CreditAccess Grameen Ltd. Business Overview & Revenue Model

Company Description

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.

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	56.24B	57.27B	51.25B	34.93B	26.76B	24.50B
Gross Profit	30.86B	56.64B	50.70B	34.41B	26.26B	24.03B
EBITDA	25.57B	27.50B	22.08B	23.80B	15.25B	11.66B
Net Income	1.94B	5.31B	14.46B	8.26B	3.53B	1.34B
Balance Sheet
Total Assets	275.77B	278.02B	288.46B	218.58B	173.95B	150.59B
Cash, Cash Equivalents and Short-Term Investments	11.95B	22.92B	26.42B	20.41B	16.80B	24.67B
Total Debt	201.78B	205.53B	218.41B	163.12B	130.06B	110.17B
Total Liabilities	205.56B	208.46B	222.76B	167.51B	133.19B	112.63B
Stockholders Equity	70.22B	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: Negative
• Last Price: 1286.95
• 50DMA: Negative
• 100DMA: Negative
• 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 Negative. The current price of 1286.95 is below the 20-day moving average (MA) of 1376.50, below the 50-day MA of 1350.85, and above the 200-day MA of 1151.81, indicating a neutral trend. The MACD of 3.19 indicates Positive momentum. The RSI at 37.99 is Neutral, neither overbought nor oversold. The STOCH value of 29.89 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FIVESTAR	64 Neutral	₹156.95B	14.38	―	0.38%	25.49%	19.81%
CGCL	56 Neutral	₹185.60B	27.84	―	0.10%	39.82%	96.14%
IIFL	56 Neutral	₹212.35B	65.29	―	0.75%	2.65%	-81.55%
MANAPPURAM	56 Neutral	₹240.47B	30.06	―	1.06%	4.83%	-64.41%
CREDITACC	53 Neutral	₹205.79B	105.89	―	0.72%	3.79%	-87.06%
SPANDANA	44 Neutral	₹21.43B	26.37	―	―	-26.77%	-431.45%