CreditAccess Grameen Ltd. (IN:CREDITACC)
:CREDITACC
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CreditAccess Grameen Ltd.
(CREDITACC)
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Rating:56Neutral
Price Target:
₹1,289.00
▼(-3.28% Downside)
Action:ReiteratedDate:01/23/26
The score is held back primarily by weak cash flow and high leverage alongside recent revenue decline (financial performance), partially offset by strong technical uptrend signals. Valuation is a notable headwind due to the high P/E and low dividend yield.
Positive Factors
Strong operating margins
Sustained strong EBIT/EBITDA margins indicate efficient field operations and cost control across branches. Over 2-6 months this supports resilience to credit-cost shocks and funds reinvestment in distribution, helping maintain profitability even if top-line growth weakens.
Negative Factors
High leverage
A high debt-to-equity ratio increases interest burden and reduces financial flexibility. For an NBFC, elevated leverage raises sensitivity to funding-cost moves and liquidity squeezes, constraining growth finance and amplifying downside risk if asset quality deteriorates.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong operating margins
Sustained strong EBIT/EBITDA margins indicate efficient field operations and cost control across branches. Over 2-6 months this supports resilience to credit-cost shocks and funds reinvestment in distribution, helping maintain profitability even if top-line growth weakens.
Read all positive factors
CreditAccess Grameen Ltd. (CREDITACC) vs. iShares MSCI India ETF (INDA)
Market Cap
₹211.35B
Dividend Yield0.77%
Average Volume (3M)10.87K
Price to Earnings (P/E)20.2
Beta (1Y)1.04
Revenue Growth0.90%
EPS Growth-45.12%
CountryIN
Employees19,395
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)8.36
Shares Outstanding160,202,840
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)92.94
Revenue Forecast (FY)₹48.02B
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 ...
How the Company Makes Money
CreditAccess Grameen makes money primarily through interest income and fees earned from lending activities. Its core revenue stream is interest charged on microfinance loans (typically small-ticket, short-to-medium tenure loans) disbursed to custo...
CreditAccess Grameen Ltd. Financial Statement Overview
Summary
Income Statement
60
Neutral
Balance Sheet
55
Neutral
Cash Flow
45
Neutral
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 55.48B | 55.39B | 49.05B | 32.97B | 25.47B | 22.87B |
| Gross Profit | 33.15B | 31.51B | 28.03B | 17.87B | 13.58B | 11.69B |
| EBITDA | 9.54B | 9.69B | 22.08B | 13.14B | 7.15B | 3.75B |
| Net Income | 1.34B | 5.31B | 14.46B | 8.26B | 3.53B | 1.34B |
Balance Sheet | ||||||
| Total Assets | 276.79B | 278.02B | 288.46B | 218.58B | 173.95B | 150.59B |
| Cash, Cash Equivalents and Short-Term Investments | 9.37B | 22.92B | 26.42B | 20.41B | 16.80B | 24.67B |
| Total Debt | 201.03B | 205.53B | 218.41B | 163.12B | 130.06B | 110.17B |
| Total Liabilities | 205.15B | 208.46B | 222.76B | 167.51B | 133.19B | 112.63B |
| Stockholders Equity | 71.64B | 69.56B | 65.70B | 51.07B | 41.67B | 36.92B |
Cash Flow | ||||||
| Free Cash Flow | 3.09B | 10.99B | -47.54B | -33.07B | -27.42B | -4.69B |
| Operating Cash Flow | 3.16B | 11.25B | -47.34B | -32.90B | -27.14B | -4.55B |
| Investing Cash Flow | -3.00B | 7.08B | -9.94B | -3.14B | -329.60M | 235.30M |
| Financing Cash Flow | -5.24B | -16.69B | 54.94B | 33.65B | 19.68B | 21.46B |
CreditAccess Grameen Ltd. Technical Analysis
Positive
1332.70
Price Trends
1229.68
Positive
1269.54
Negative
1301.21
Negative
Market Momentum
7.36
Negative
61.72
Neutral
60.20
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:CREDITACC, the sentiment is Positive. The current price of 1332.7 is above the 20-day moving average (MA) of 1193.12, above the 50-day MA of 1229.68, and above the 200-day MA of 1301.21, indicating a neutral trend. The MACD of 7.36 indicates Negative momentum. The RSI at 61.72 is Neutral, neither overbought nor oversold. The STOCH value of 60.20 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:CREDITACC.
CreditAccess Grameen Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ₹142.08B | 9.65 | ― | 0.36% | 13.26% | 1.90% | |
66 Neutral | ₹187.43B | 14.16 | ― | 0.11% | 45.87% | 74.12% | |
58 Neutral | ₹195.21B | 7.80 | ― | ― | 34.64% | 316.68% | |
56 Neutral | ₹211.35B | 20.20 | ― | 0.77% | 0.90% | -45.12% | |
49 Neutral | ₹258.37B | 27.09 | ― | 0.80% | -5.36% | -17.52% | |
44 Neutral | ₹21.19B | -5.67 | ― | ― | -55.39% | -139.16% |
* Financial Sector Average
IN:CREDITACC
CreditAccess Grameen Ltd.
1,319.25
218.35
19.83%
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482.35
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IN:SPANDANA
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CreditAccess Grameen Ltd. Corporate Events
CreditAccess Grameen Closes Trading Window Ahead of FY26 Results
Mar 30, 2026
CreditAccess Grameen Limited has announced the closure of its trading window for designated persons and their immediate relatives, effective from April 1, 2026. This restriction will remain in place until 48 hours after the company publishes its a...
CreditAccess Grameen Raises USD 40 Million via Secured Dollar Bonds Listed on NSE IFSC
Mar 18, 2026
CreditAccess Grameen Ltd. has completed the issuance and allotment of 4,000 secured, rated, listed U.S. dollar-denominated non-convertible bonds with a face value of USD 10,000 each, aggregating to USD 40 million. The bonds, which will be listed o...
CreditAccess Grameen to Hold One-on-One Investor Meet with WhiteOak Capital
Mar 17, 2026
CreditAccess Grameen Limited has informed the stock exchanges that it will hold a one-to-one investor meeting with WhiteOak Capital Management on March 18, 2026, in a physical format. The scheduled interaction underscores the company’s ongoi...
CreditAccess Grameen Secures USD 75 Million Syndicated Social Loan to Bolster Inclusive Growth
Mar 10, 2026
CreditAccess Grameen Limited has raised a USD 75 million syndicated social loan, structured as external commercial borrowing under the Reserve Bank of India’s automatic route, with HSBC acting as sole mandated lead arranger and bookrunner an...
CreditAccess Grameen Schedules March 2026 Investor Meetings With Key Institutions
Mar 9, 2026
CreditAccess Grameen Limited has announced a schedule of investor meetings in March 2026 with several prominent institutional investors and intermediaries. The company will participate in the Investec India Promoter Founder Conference 2026 and ho...
CreditAccess Grameen Promoter Weighs New Investors to Enable Exit for Long-Term Backers
Feb 9, 2026
CreditAccess Grameen Ltd. disclosed that its promoter, CreditAccess India B.V., is exploring the possibility of bringing in new investors to offer an exit opportunity to its long-term backers, as reported in a recent Economic Times article. While ...
CreditAccess Grameen Allots 10,925 ESOP Shares to Employees
Feb 6, 2026
CreditAccess Grameen Limited has allotted 10,925 equity shares of Rs 10 each to nine employees who exercised their stock options under the company’s 2011 Employee Stock Option Plan, following approval by a committee of the board on 5 Februar...
CreditAccess Grameen Rejects Speculation Over Promoter Stake Sale to Axis Bank
Feb 2, 2026
CreditAccess Grameen Limited has denied media speculation that Axis Bank is in the lead to buy out the company, stating that while its promoters periodically evaluate liquidity options, no decisions have been taken regarding any sale of promoter s...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.