CREDITACC

CreditAccess Grameen Ltd.

NSE: CREDITACC

BSE: 541770

Sector: Financial Services

Industry Group: Finance

Industry: Microfinance Institutions

1,546.10+9.4 (+0.61%)

9 Jul, 3:30 PM

Overview

Analysis Statements Technicals Forecast Peers Resources News

Stock Scores

Quality Score

37.7 / 100

Value Score

41.1 / 100

Price Momentum Score

88.4 / 100

QVM Score

58.5 / 100

Key Metrics

Market Cap

24668.00

P/E (TTM)

31.72

P/B

3.15

P/S (TTM)

4.11

EV/EBITDA

9.84

CAPE (5Y)

31.14

ROE (TTM)

10.51

ROCE (TTM)

15.95

ROA (TTM)

2.60

Avg 3Y ROE

14.38

Earnings 3Y CAGR

-2.22

Sales 3Y CAGR

19.90

Sales 5Y CAGR

19.57

Debt/Equity

3.01

Consensus TP

1750.00

Strong Buy %

43.75

Promoter Holding

66.24

Pledged %

0.00

Stock Analysis

Fundamental analysis overview of CreditAccess Grameen Ltd. covering key investment insights, growth drivers, risk factors, and potential red flags.

Views

Red Flags

Positive

Strong price momentum

Price Momentum score of 88.4 indicates that the stock has strong price momentum. Research has shown that stocks with higher momentum continue to outperform in the near term

What is Price Momentum score?

88.4 / 100

Analysts have been raising forward EPS estimates

Analyst EPS estimate (consensus) for forward EPS has increased by 4.91% in the last 3 months, indicating earnings momentum

What is Earnings upgrade (3M)?

Moderate ROE but improving trend

The company reported moderate ROE of 10.51% for 12-month ended 31 Mar 2026 but ROE improved by 265 bps from 1 year ago

What is ROE (FY)?

Strong EPS growth and in line with median growth of industry

The company delivered strong EPS growth of 45.72% for 12-month ended 31 Mar 2026 and the growth was 0.0 percentage points lower than median growth of industry

What is EPS growth (1Y)?

Negative

High Debt to Equity, not much change from last year

The company has high Debt to Equity of 3.01 as on 31 Mar 2026 and Debt to Equity increased marginally by 0.06 in the last 1 year

What is Debt to Equity?

Low dividend yield

The company has a low dividend yield of 0.0%

What is Dividend yield?

Neutral

Reasonably valued but PB is at a premium to industry median P/B

PB of 3.15 indicates that the stock is reasonably valued on a standalone basis but is at a 160.33% premium to industry median P/B

What is P/B Ratio?

Median: 1.21

Value 3.15

0.963.15

High operating margin but declining trend

The company reported strong operating margin of 78.31% for 12-month ended 31 Mar 2026 but operating margin declined by -176 bps from 1 year ago

What is Operating profit margin?

Low revenue growth but above median growth of industry

The company delivered low revenue growth of 4.97% for 12-month ended 31 Mar 2026 but the growth was 8.35 percentage points higher than median growth of industry

What is Sales growth (1Y)?

Median: -3.38

Value 4.97

-56.5221.13

Financial Snapshot

See detailed analysis

Multi-year trends for CreditAccess Grameen Ltd. covering revenue, net profit, ROE, and EBITDA for a quick view of financial health over time.

Net Revenue FY

Profit After Tax FY

ROE FY

ROA FY

CreditAccess Grameen Ltd. Shareholding Pattern

Quarterly breakdown of CreditAccess Grameen Ltd. ownership including promoter, FII, DII, mutual fund, and public holdings as disclosed to NSE/BSE.

	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Total Promoter	79.94	79.91	79.87	74.03	73.99	73.97	73.91	73.89	73.85	73.82	73.74	73.71	73.68	66.77	66.69	66.66	66.58	66.56	66.54	66.50	66.43	66.43	66.37	66.28	66.24
Indian Promoter	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Foreign Promoter	79.94	79.91	79.87	74.03	73.99	73.97	73.91	73.89	73.85	73.82	73.74	73.71	73.68	66.77	66.69	66.66	66.58	66.56	66.54	66.50	66.43	66.43	66.37	66.28	66.24
Institutions	14.25	14.56	14.27	18.91	19.16	19.36	19.57	18.88	19.18	19.42	22.01	22.13	21.95	21.47	27.23	27.79	27.41	27.13	25.62	23.93	24.06	24.89	25.62	24.91	25.53
Mutual Funds / UTI	5.74	5.61	6.16	6.76	6.53	7.11	8.62	10.01	10.88	10.67	10.09	10.22	10.20	10.27	13.61	13.89	13.98	14.31	12.84	11.95	10.64	10.54	10.97	10.65	9.95
FI/Bank/Insurance	0.01	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	2.45	2.17	1.95	1.50	2.03	1.70	1.48	1.63	1.75	2.00	1.61	1.79	1.90	1.50	1.48
Govt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
FII	5.59	6.16	5.40	9.52	10.14	10.08	9.29	8.84	8.24	8.67	9.33	9.60	9.67	9.55	11.46	12.00	11.65	10.88	10.76	9.76	11.38	12.13	12.29	11.68	12.94
Other Institutions	2.91	2.79	2.71	2.63	2.49	2.17	1.66	0.03	0.06	0.08	0.14	0.14	0.12	0.13	0.14	0.20	0.30	0.31	0.27	0.22	0.42	0.43	0.46	1.08	1.16
Non-Institution	5.80	5.53	5.86	7.06	6.86	6.67	6.52	7.23	6.97	6.76	4.25	4.16	4.37	11.77	6.08	5.55	6.01	6.31	7.83	9.57	9.51	8.68	8.02	8.81	8.24
Bodies Corporate	0.37	0.32	0.15	0.12	0.11	0.13	0.14	0.17	0.17	0.18	0.22	0.20	0.21	0.26	0.27	0.28	0.28	0.33	0.43	0.48	0.49	0.47	0.46	0.58	0.42
Others (incl. Retail) No. of shareholders	5.43 41,323	5.21 42,271	5.71 37,159	6.94 37,295	6.75 38,221	6.54 38,052	6.38 39,793	7.06 39,292	6.80 34,286	6.58 33,815	4.03 39,267	3.96 40,520	4.16 41,604	11.51 40,208	5.81 50,676	5.27 57,379	5.73 69,224	5.98 82,969	7.40 1,03,332	9.09 1,24,376	9.02 1,19,185	8.21 1,01,277	7.56 83,299	8.23 84,881	7.82 83,054

Holdings and Presence

Indices and prominent investors with a stake in this stock.

Index Presence

#	Index	Weight	Rank
1	Nifty Smallcap 250	0.38%	99 / 249
2	Nifty 500	0.04%	343 / 499
3	Nifty Total Market	0.04%	370 / 749

Bulk, Block and Insider Trades

Recent bulk deals, block deals, and insider trading activity in CreditAccess Grameen Ltd. shares as reported to NSE and BSE.

Name	Month	Transaction	Holding % pre transaction	Average price	Qty.	Transaction value
HARIDARSHINI A Designated Person	February-2022	Market Sale (Disposal) 25th Feb 2022	0.03 %	₹ 732.82	1.77 k	₹ 12.97 lac
PIYUSH SARAOGI Designated Person	February-2022	Market Sale (Disposal) 17th Feb 2022	0.00 %	₹ 720.77	3.00 k	₹ 21.62 lac
HARIDARSHINI A Designated Person	February-2022	Market Sale (Disposal) 15th Feb 2022	0.03 %	₹ 757.31	2.04 k	₹ 15.42 lac
UDAYA KUMAR HEBBAR Designated Person	February-2022	Market Sale (Disposal) 11th Feb 2022	0.17 %	₹ 760.82	35.66 k	₹ 2.71 cr
SRIVATSA H N Designated Person	February-2022	Market Sale (Disposal) 11th Feb 2022	0.05 %	₹ 753.66	15.77 k	₹ 1.19 cr
HARIDARSHINI A Designated Person	February-2022	Market Sale (Disposal) 11th Feb 2022	0.03 %	₹ 759.00	500.00	₹ 3.79 lac
LOKESH M K Designated Person	February-2022	Market Sale (Disposal) 11th Feb 2022	0.00 %	₹ 729.40	5.00 k	₹ 36.47 lac
HARIDARSHINI A Designated Person	February-2022	Market Sale (Disposal) 9th Feb 2022	0.03 %	₹ 729.86	3.54 k	₹ 25.82 lac
UDAYA KUMAR HEBBAR Designated Person	December-2021	Market Sale (Disposal) 30th Dec 2021	0.17 %	₹ 615.00	5.20 k	₹ 31.97 lac
UDAYA KUMAR HEBBAR Designated Person	December-2021	Market Sale (Disposal) 21st Dec 2021	0.19 %	₹ 668.24	29.18 k	₹ 1.95 cr

Corporate Actions

History of CreditAccess Grameen Ltd. dividends, bonus issues, stock splits, rights issues, and other corporate events.

Dividend₹ 10/share
Record date: 26th Jul 2024Ex-date: 26th Jul 2024
Announced on: 7th May 2024

Company Profile

Overview of CreditAccess Grameen Ltd. covering business description, industry classification, key management, financial ratios, and listed exchange details.

CreditAccess Grameen Limited is a microfinance company which offers women entrepreneurs loans for various needs such as income generation, medical expenses, and education. It is also focused on lending to members. It has a presence in approximately 16 states and one union territory of India, through...

Key personnel

Mr. Nilesh Shrikrishn Dalvi

Chief Financial Officer

Mr. Gururaj K.S Rao

Chief Operating Officer

Mr. Sudesh Dinesh Puthran

Chief Technology Officer

Mr. Ravi Rathinam

Chief Information Security Officer

Deepti Ramani

Compliance Officer, Company Secretary

Mr. Firoz Anam

Chief Risk Officer

Ms. Haridarshini A

Head - Operational Excellence

Mr. Sundar Arumugam

Head - Strategy and Innovation, Digital Lending and Retail Finance Products

View all

Incorporated on

12 Jun 1991

Last Annual

31 Mar 2026

Last Interim

31 Mar 2026

No. of Employees

21,941

IPO date

23 Aug 2018

Free Float

5,41,50,505

Website

https://www.creditaccessgrameen.in/

Phone no.

+918022637300

Address

NEW NO.49(OLDNO725), 46TH CROSS, 8TH BLOCK JAYANAGAR (NEXT TO RAJALAKSHMI KALYANA MANTAP), , 560070, India

Frequently Asked Questions

What is the current share price of CreditAccess Grameen Ltd.?

The current share price of CreditAccess Grameen Ltd. is ₹ 1,546.10 as of 9 Jul 2026.

What is the market capitalisation of CreditAccess Grameen Ltd.?

The market capitalisation of CreditAccess Grameen Ltd. stands at ₹ 24,668.00 Cr.

What is the PE ratio of CreditAccess Grameen Ltd.?

The Price-to-Earnings (PE) ratio of CreditAccess Grameen Ltd. is 31.72 as of the latest trailing twelve months data.

What is the ROE and ROCE of CreditAccess Grameen Ltd.?

CreditAccess Grameen Ltd. has a Return on Equity (ROE) of 10.51% and a Return on Capital Employed (ROCE) of 15.95% as per the latest financial reports.

What is the 52-week high and low of CreditAccess Grameen Ltd.?

The 52-week high of CreditAccess Grameen Ltd. is - and the 52-week low is -.

What is the dividend yield of CreditAccess Grameen Ltd.?

The dividend yield of CreditAccess Grameen Ltd. is 0.00% based on the current market price.

What is the FII and DII holding in CreditAccess Grameen Ltd.?

Foreign Institutional Investors (FII) hold 12.94%, Domestic Institutional Investors (DII) hold 11.43% and retail/public investors hold 7.82% of CreditAccess Grameen Ltd. shares.

What sector does CreditAccess Grameen Ltd. belong to?

CreditAccess Grameen Ltd. operates in the Financial Services sector. 93.75% of analysts have a Buy or Strong Buy rating on CreditAccess Grameen Ltd. with a consensus target price of ₹ 1,750.00, implying 13.71% upside from current levels.

What is the beta of CreditAccess Grameen Ltd.?

The beta of CreditAccess Grameen Ltd. is 0.93, indicating its price volatility relative to the broader market. Over the past 1 year, CreditAccess Grameen Ltd. has delivered an absolute return of 27.22%.

What is the RSI of CreditAccess Grameen Ltd.?

The 14-day Relative Strength Index (RSI) of CreditAccess Grameen Ltd. is 64.74, placing it approaching overbought territory. An RSI above 70 is considered overbought and below 30 is considered oversold.

CreditAccess Grameen Ltd.

Stock Scores

Key Metrics

Share Price

Stock Analysis

Financial Snapshot

CreditAccess Grameen Ltd. Shareholding Pattern

Holdings and Presence

Bulk, Block and Insider Trades

Corporate Actions

Company Profile

Frequently Asked Questions

Stock Analysis

Company Profile

Holdings and Presence

Corporate Actions