CreditAcc. Gram.

Why is CreditAccess Grameen Ltd falling/rising?

As of 28-Jul, CreditAccess Grameen Ltd's stock price is at 1,576.85, down 0.42% after a trend reversal. Despite this short-term decline, the stock has strong long-term fundamentals and has appreciated 23.79% year-to-date, indicating a positive long-term outlook.

As of 28-Jul, CreditAccess Grameen Ltd's stock price is currently at 1,576.85, reflecting a decrease of 6.7 points or 0.42%. This decline follows a trend reversal after three consecutive days of gains. Despite this short-term drop, the stock has shown strong performance over various periods, including a 2.78% increase over the past week and a 7.91% rise over the past month. Year-to-date, the stock has appreciated by 23.79%, significantly outperforming the broader market, which has seen a decline of 9.92%.<BR><BR>The stock's current price is also close to its 52-week high, being just 2.16% away from Rs 1,614.85. Additionally, the stock is trading above its moving averages across multiple time frames, indicating a generally positive trend. Investor participation has surged, with delivery volume on 27 July increasing by 664.32% compared to the five-day average, suggesting heightened interest in the stock.<BR><BR>However, the stock's valuation is considered expensive, with a return on equity (ROE) of 9.9 and a price-to-book value of 3.2, which may contribute to the current price decline as investors reassess its valuation relative to its peers. Despite the recent fall, the company has demonstrated strong long-term fundamentals, including a 27.65% compound annual growth rate in operating profits and a significant increase in net profit of 45.31% in its latest quarterly results. This combination of strong performance metrics and high institutional holdings indicates that while the stock is experiencing a temporary decline, its long-term outlook remains positive.

Which are the latest news on CreditAcc. Gram.?

Are CreditAccess Grameen Ltd latest results good or bad?

CreditAccess Grameen Ltd's latest Q1 FY27 results are strong, with a net profit of ₹493.39 crore, a 719.72% increase year-on-year, and significant growth in interest income and operating margins. However, the return on equity at 9.92% is below the industry average, indicating room for improvement despite the positive performance.

CreditAccess Grameen Ltd's latest results for Q1 FY27 indicate a strong performance, showcasing significant improvements across several key financial metrics. The company reported a net profit of ₹493.39 crore, which is a remarkable increase of 719.72% year-on-year. This turnaround is particularly notable given that the company faced a net loss of ₹99.52 crore in the same quarter last year.<BR><BR>Additionally, interest income rose to ₹1,783.49 crore, reflecting a year-on-year growth of 21.92%. The operating margin reached an all-time high of 68.71%, indicating enhanced operational efficiency. Furthermore, the profit after tax margin improved to 27.66%, up from 21.26% in the previous quarter.<BR><BR>While these results are impressive and demonstrate a strong recovery and operational momentum, there are some concerns regarding the company's return on equity (ROE), which stands at 9.92%, below the average of 12.96% for well-managed non-banking financial companies (NBFCs). This suggests that while the company is growing rapidly, there is still room for improvement in capital efficiency.<BR><BR>Overall, the results can be considered good, reflecting a strong rebound and operational improvements, but investors should remain cautious about the valuation and ROE metrics as they assess the sustainability of this growth.

Should I buy, sell or hold CreditAccess Grameen Ltd?

What does CreditAcc. Gram. do?

CreditAccess Grameen Ltd is a small-cap financial services company focused on providing microfinance solutions. As of March 2026, it reported net sales of ₹1,597 Cr and a net profit of ₹340 Cr, with a market cap of ₹20,276 Cr.

Overview:<BR>CreditAccess Grameen Ltd is a small-cap company operating in the finance industry, primarily focused on providing financial services.<BR><BR>History:<BR>The company was originally incorporated in 1991 as 'Sanni Collection Private Limited' and underwent several name changes, becoming a public limited company in 2017 and rebranding to CreditAccess Grameen Limited in 2018. The most recent quarterly results reported net sales and profit for March 2026.<BR><BR>Financial Snapshot:<BR>- Net Sales: 1,597 Cr (Quarterly Results - Mar 2026)<BR>- Net Profit: 340 Cr (Quarterly Results - Mar 2026)<BR>- Market cap: INR 20,276 Cr (Small Cap)<BR><BR>Key Metrics:<BR>- P/E: 26.00<BR>- Industry P/E: 20<BR>- Dividend Yield: 0.00%<BR>- Debt Equity: 3.01<BR>- Return on Equity: 9.92%<BR>- Price to Book: 2.60<BR><BR>Contact Details:<BR>Address: New No 49 (O No 725) 46th Cros, 8th Block Jayanagar Bangalore Karnataka : 560071<BR>Tel: 91-80-22637300<BR>Email: csinvestors@grameenkoota.org<BR>Website: http://www.creditaccessgrameen.in

How big is CreditAcc. Gram.?

As of 10th June, CreditAccess Grameen Ltd has a market capitalization of 20,276.00 Cr, with recent net sales of 6058.92 Cr and a net profit of 777.64 Cr over the last four quarters.

As of 10th June, <BR><BR>Market Cap: CreditAccess Grameen Ltd has a market capitalization of 20,276.00 Cr, categorizing it as a Small Cap company.<BR><BR>Recent Quarterly Performance: The sum of Net Sales for the latest 4 quarters is 6058.92 Cr, while the sum of Net Profit for the same period is 777.64 Cr.<BR><BR>Balance Sheet Snapshot: The reporting period for the balance sheet is March 2025. Shareholder's Funds are valued at 6,955.97 Cr, and Total Assets amount to 27,447.20 Cr.

Who are in the management team of CreditAcc. Gram.?

The management team of CreditAcc. Gram. includes Chairman George Joseph, Managing Director & CEO Udaya Kumar Hebbar, Vice Chairman Paolo Brichetti, Non-Executive Directors Sumit Kumar and Massimo Vita, and Independent Directors Jessie Paul, Manoj Kumar, and Rekha Warriar. This diverse team offers a wide range of expertise and leadership.

The management team of CreditAcc. Gram. includes the following individuals:<BR><BR>1. **George Joseph** - Chairman<BR>2. **Udaya Kumar Hebbar** - Managing Director & CEO<BR>3. **Paolo Brichetti** - Vice Chairman (Non-executive)<BR>4. **SUMIT KUMAR** - Non Executive Director<BR>5. **Massimo Vita** - Non Executive Director<BR>6. **Jessie Paul** - Independent Director<BR>7. **Manoj Kumar** - Independent Director<BR>8. **Rekha Warriar** - Independent Director<BR><BR>This team brings a diverse range of expertise and leadership to the company.

Who are the peers of the CreditAcc. Gram.?

CreditAcc. Gram.'s peers include I R F C, REC Ltd, HUDCO, Indian Renewable, IFCI, Tour. Fin. Corp., Muthoot Microfin, Fusion Finance, Satin Creditcare, and Spandana Sphoort, with varying management risks and growth rates. Tour. Fin. Corp. leads in 1-year returns at 61.69%, while CreditAcc. Gram. has a return of 3.30%.

Peers: The peers of CreditAcc. Gram. are I R F C, REC Ltd, HUDCO, Indian Renewable, IFCI, Tour. Fin. Corp., Muthoot Microfin, Fusion Finance, Satin Creditcare, and Spandana Sphoort.<BR><BR>Quality Snapshot: Excellent management risk is observed at REC Ltd, while Good management risk is found at CreditAcc. Gram. Average management risk is present at I R F C, HUDCO, Indian Renewable, and Muthoot Microfin, and the rest. Below Average management risk is noted at IFCI, Tour. Fin. Corp., Fusion Finance, Satin Creditcare, and Spandana Sphoort. In terms of Growth, Excellent growth is seen at Indian Renewable, while Average growth is noted at CreditAcc. Gram., I R F C, REC Ltd, HUDCO, and the rest. Below Average growth is present at IFCI, Muthoot Microfin, Fusion Finance, and the rest. Excellent capital structure is observed at CreditAcc. Gram., IFCI, Tour. Fin. Corp., Muthoot Microfin, Fusion Finance, Satin Creditcare, and Spandana Sphoort, while Good capital structure is found at REC Ltd and Average capital structure at I R F C, HUDCO, Indian Renewable, and the rest.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Tour. Fin. Corp. at 61.69%, while the lowest is I R F C at -35.64%. CreditAcc. Gram.'s 1-year return is 3.30%, which is higher than I R F C's but lower than Tour. Fin. Corp.'s. Additionally, the peers IFCI, Fusion Finance, and Spandana Sphoort have negative six-month returns.

Is CreditAcc. Gram. technically bullish or bearish?

As of November 27, 2025, CreditAcc. Gram. shows a mildly bullish trend, supported by positive daily moving averages and monthly MACD, though caution is advised due to mixed signals from weekly indicators.

As of 27 November 2025, the technical trend for CreditAcc. Gram. has changed from bullish to mildly bullish. The current stance is mildly bullish, driven by a combination of indicators. The daily moving averages are mildly bullish, while the monthly MACD is bullish, supporting the overall positive outlook. However, the weekly MACD and KST are mildly bearish, indicating some caution in the short term. The Bollinger Bands show bullish momentum on the weekly and mildly bullish on the monthly, while the On-Balance Volume remains bullish for both time frames. Overall, the mixed signals suggest a cautiously optimistic view, with strength in the longer-term indicators.

How has been the historical performance of CreditAcc. Gram.?

CreditAcc. Gram. has shown significant growth in net sales, increasing from 1,282.26 Cr in Mar'19 to 5,752.33 Cr in Mar'25, but has experienced a decline in profit margins and profits, with profit after tax dropping from 1,445.93 Cr in Mar'24 to 531.40 Cr in Mar'25. Despite this, cash flow from operating activities improved to 1,125.00 Cr in Mar'25.

Answer:<BR>The historical performance of CreditAcc. Gram. shows significant growth in net sales and profits over the years, although there has been a notable decline in profit margins recently.<BR><BR>Breakdown:<BR>CreditAcc. Gram. has experienced a steady increase in net sales from 1,282.26 Cr in Mar'19 to 5,752.33 Cr in Mar'25. Total operating income has followed a similar trend, reaching 5,752.33 Cr in Mar'25, up from 1,282.26 Cr in Mar'19. Operating profit (PBDIT) peaked at 3,722.77 Cr in Mar'24 but fell to 2,718.65 Cr in Mar'25, indicating a decline in operational efficiency. Profit before tax also saw a decrease from 1,939.18 Cr in Mar'24 to 708.87 Cr in Mar'25, while profit after tax dropped from 1,445.93 Cr to 531.40 Cr in the same period. The earnings per share (EPS) decreased from 90.72 in Mar'24 to 33.27 in Mar'25. Despite the growth in sales, the operating profit margin declined from 71.94% in Mar'24 to 47.2% in Mar'25, and the PAT margin also decreased from 27.99% to 9.24%. Total liabilities rose from 21,777.17 Cr in Mar'23 to 27,447.20 Cr in Mar'25, while total assets increased from 21,777.17 Cr to 27,447.20 Cr in the same period. The cash flow from operating activities improved to 1,125.00 Cr in Mar'25 from negative figures in previous years, indicating a recovery in cash generation.

Who are the top shareholders of the CreditAcc. Gram.?

The top shareholders of CreditAcc. Gram. include Creditaccess India B.V. with 66.43%, 28 mutual fund schemes holding 10.64%, and 139 foreign institutional investors with 11.38%. Individual investors own 8.12%, while the highest public shareholder is Canara Robeco Mutual Fund at 2.7%.

The top shareholders of CreditAcc. Gram. include the following:<BR><BR>1. **Promoters**: The majority shareholder is Creditaccess India B.V., which holds 66.43% of the shares.<BR>2. **Mutual Funds**: There are 28 mutual fund schemes collectively holding 10.64% of the shares.<BR>3. **Foreign Institutional Investors (FIIs)**: A total of 139 FIIs hold 11.38% of the shares.<BR>4. **Highest Public Shareholder**: Canara Robeco Mutual Fund A/c Canara Robeco Emerging Equities holds 2.7%.<BR>5. **Individual Investors**: They collectively hold 8.12% of the shares.<BR><BR>There are no pledged promoter holdings reported.

Is CreditAcc. Gram. overvalued or undervalued?

As of May 19, 2025, CreditAccess Grameen Ltd. is considered very expensive with a PE ratio of 36.22, indicating it is overvalued compared to its peers, despite a recent 1-week return of 4.35% against the Sensex's 1.37%, while its long-term performance shows a decline of -19.48% compared to the Sensex's 7.55%.

As of 19 May 2025, the valuation grade for CreditAccess Grameen Ltd. has moved from fair to very expensive, indicating a significant shift in its perceived value. The company is currently overvalued, with a PE ratio of 36.22, a Price to Book Value of 2.77, and an EV to EBITDA of 14.09. These ratios suggest that the stock is trading at a premium compared to its earnings and book value.<BR><BR>In comparison to its peers, CreditAccess Grameen Ltd. stands out with a PE ratio of 36.22, which is notably higher than many competitors in the industry. For instance, if we consider similar companies in the sector, they typically exhibit lower PE ratios, indicating that CreditAccess Grameen is priced at a significant premium. Additionally, the company's recent performance shows a 1-week return of 4.35% compared to the Sensex's 1.37%, but its long-term performance has lagged behind, with a 1-year return of -19.48% versus the Sensex's 7.55%. This further reinforces the notion that the stock may be overvalued in the current market environment.

When is the next results date for CreditAcc. Gram.?

No Upcoming Board Meetings

Has CreditAcc. Gram. declared dividend?

CreditAccess Grameen Ltd has declared a 100% dividend, amounting to ₹10 per share, with an ex-date of July 26, 2024. Total returns have varied, showing positive growth over the 4 and 5-year periods, with total returns of 67.8% and 148.09%, respectively.

CreditAccess Grameen Ltd has declared a 100% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 100%<BR>- Amount per share: 10<BR>- Ex-date: 26 Jul 24<BR><BR>Dividend Yield: 0.84%.<BR><BR>Total Returns by Period:<BR>In the 6-month period, the price return was 31.91%, with a dividend return of 0%, resulting in a total return of 31.91%.<BR><BR>For the 1-year period, there was a price return of -18.16% and a dividend return of 0.67%, leading to a total return of -17.49%.<BR><BR>Over the 2-year period, the price return was -0.93% with a dividend return of 0.79%, culminating in a total return of -0.14%.<BR><BR>In the 3-year period, the price return was 14.19% and the dividend return was 1.12%, resulting in a total return of 15.31%.<BR><BR>For the 4-year period, the price return was 66.47% with a dividend return of 1.33%, leading to a total return of 67.8%.<BR><BR>In the 5-year period, the price return was 146.2% and the dividend return was 1.89%, resulting in a total return of 148.09%.<BR><BR>Overall, CreditAccess Grameen Ltd has declared a significant dividend, and while the total returns vary across periods, there are positive returns in the longer term, particularly over the 4 and 5-year periods.