CreditAcc. Gram.

how big is CreditAcc. Gram.?

As of Jun 06, CreditAccess Grameen Ltd has a market capitalization of 19,008.00 Cr and reported net sales of 5752.33 Cr and net profit of 531.41 Cr over the latest four quarters. Shareholder's funds are 6,569.98 Cr, with total assets of 28,709.24 Cr as of Mar'24.

Market Cap: As of Jun 06, CreditAccess Grameen Ltd has a market capitalization of 19,008.00 Cr, categorizing it as a Mid Cap company.<BR><BR>Recent Quarterly Performance: For the latest 4 quarters, the sum of Net Sales is 5752.33 Cr and the sum of Net Profit is 531.41 Cr. This data is consolidated.<BR><BR>Balance Sheet Snapshot: This is consolidated data for the latest annual period ending in Mar'24. The Shareholder's Funds are reported at 6,569.98 Cr, and the Total Assets amount to 28,709.24 Cr.

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

As of March 2023, the management team of CreditAcc. Gram. includes Chairman George Joseph, Vice Chairman Paolo Brichetti, Managing Director & CEO Udaya Kumar Hebbar, and several non-executive and independent directors, with a focus on governance and strategic direction.

As of March 2023, the management team of CreditAcc. Gram. includes the following members:<BR><BR>1. George Joseph - Chairman (Remuneration: Rs. 42.2 lacs)<BR>2. Sumit Kumar - Non Executive Director (Remuneration: Rs. 10.05 lacs)<BR>3. Massimo Vita - Non Executive Director (Remuneration: Rs. 14.15 lacs)<BR>4. Paolo Brichetti - Vice Chairman (Non-executive) (Remuneration: Rs. 3.5 lacs)<BR>5. Jessie Paul - Independent Director (Remuneration: Rs. 20.3 lacs)<BR>6. Manoj Kumar - Independent Director (Remuneration: Rs. 31.2 lacs)<BR>7. Rekha Warriar - Independent Director (Remuneration: Rs. 15.85 lacs)<BR>8. Udaya Kumar Hebbar - Managing Director & CEO (Remuneration: Rs. 3.45 cr)<BR><BR>This team comprises a mix of executive and non-executive roles, with a focus on governance and strategic direction.

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.

Who are the peers of the CreditAcc. Gram.?

Peers of CreditAcc. Gram. include I R F C, Power Fin. Corpn., REC Ltd, HUDCO, Indian Renewable, IFCI, Muthoot Microfin, Tour. Fin. Corp., Spandana Sphoort, and Satin Creditcare. CreditAcc. Gram. shows excellent management and capital structure, with a 1-year return of -11.81%, better than Spandana Sphoort but worse than IFCI's 8.69%.

Peers: The peers of CreditAcc. Gram. are I R F C, Power Fin.Corpn., REC Ltd, HUDCO, Indian Renewable, IFCI, Muthoot Microfin, Tour. Fin. Corp., Spandana Sphoort, and Satin Creditcare.<BR><BR>Quality Snapshot: Excellent management risk is observed at Power Fin.Corpn. and REC Ltd, while Average management risk is found at I R F C, HUDCO, Indian Renewable, Muthoot Microfin, and Spandana Sphoort, and the rest. Good growth is noted at CreditAcc. Gram. and Indian Renewable, while Average growth is seen at I R F C, Power Fin.Corpn., REC Ltd, and the rest. Excellent capital structure is present at CreditAcc. Gram., HUDCO, IFCI, Muthoot Microfin, Tour. Fin. Corp., and the rest, while Good capital structure is noted at REC Ltd and Indian Renewable.<BR><BR>Return Snapshot: The peer with the highest 1-year return is IFCI at 8.69%, while the lowest is Spandana Sphoort at -66.08%. CreditAcc. Gram.'s 1-year return is -11.81%, which is better than Spandana Sphoort but worse than IFCI. Additionally, peers with a negative six-month return include Muthoot Microfin, Spandana Sphoort, and Satin Creditcare.

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.

What does CreditAcc. Gram. do?

CreditAccess Grameen Ltd is a large-cap financial services company, originally founded in 1991, with a market cap of INR 20,769 Cr and reported net sales of 14,066 Cr and net profit of 472 Cr for March 2025. Key metrics include a P/E of 39.00, a dividend yield of 0.77%, and a debt-equity ratio of 2.94.

Overview:<BR>CreditAccess Grameen Ltd is a large-cap company in the finance industry that provides financial services.<BR><BR>History:<BR>The company was originally incorporated in 1991 as 'Sanni Collection Private Limited', converted to a public limited company in 2017, and changed its name to CreditAccess Grameen Limited in 2018. The most recent quarterly results reported net sales and profit for March 2025.<BR><BR>Financial Snapshot:<BR>Net Sales: 14,066 Cr (Quarterly Results - Mar 2025) <BR>Net Profit: 472 Cr (Quarterly Results - Mar 2025) <BR>Market cap: INR 20,769 Cr (Large Cap)<BR><BR>Key Metrics:<BR>P/E: 39.00 <BR>Industry P/E: 23 <BR>Dividend Yield: 0.77% <BR>Debt Equity: 2.94 <BR>Return on Equity: 7.64% <BR>Price to Book: 2.98 <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

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.

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.

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.

Are CreditAccess Grameen Ltd latest results good or bad?

CreditAccess Grameen Ltd's Q4 FY25 results show strong operational performance with a net profit increase of 619.23% and a record high operating margin, but the high P/E ratio of 49x raises valuation concerns, suggesting investors should be cautious. Overall, the results indicate a positive turnaround, but the elevated valuation poses risks.

CreditAccess Grameen Ltd's latest results for Q4 FY25 present a mixed picture. On one hand, the company has shown remarkable resilience with a net profit of ₹339.55 crore, reflecting a staggering 619.23% year-on-year increase. Additionally, the operating margin reached a record high of 58.69%, up 2016 basis points from the previous year, indicating significant operational efficiency improvements.<BR><BR>However, despite these impressive figures, there are concerns regarding the company's valuation. The stock trades at a high P/E ratio of 49x, which is considered "Very Expensive" relative to its peers. This premium valuation raises questions about sustainability, especially given the inherent volatility of the microfinance sector and the company's elevated leverage ratios.<BR><BR>Overall, while the operational performance is strong and indicates a positive turnaround, the high valuation and associated risks suggest that investors should approach with caution. The results are good in terms of operational recovery, but the valuation concerns could temper the enthusiasm.

Should I buy, sell or hold CreditAccess Grameen Ltd?

Why is CreditAccess Grameen Ltd falling/rising?

As of 19-May, CreditAccess Grameen Ltd's stock price is rising to 1,311.15, following a trend reversal after six days of decline, and has outperformed its sector by 0.33%. Despite a drop in investor participation, the company's strong fundamentals and significant net profit growth indicate continued confidence from institutional investors.

As of 19-May, CreditAccess Grameen Ltd's stock price is rising, currently at 1,311.15, reflecting a change of 13.0 (1.0%) upward. This increase comes after a trend reversal, as the stock has gained after six consecutive days of decline. Additionally, the stock has outperformed its sector by 0.33% today. <BR><BR>Despite a recent decline in investor participation, with delivery volume falling by 67.98% against the 5-day average, the stock's long-term fundamentals remain strong. The company reported a significant net profit growth of 34.69% in its latest results, with key performance indicators such as PBDIT reaching their highest levels. Furthermore, high institutional holdings at 25.52% indicate confidence from larger investors, who have increased their stake by 0.61% over the previous quarter.<BR><BR>In the context of market performance, while the broader market (BSE500) has seen negative returns of -2.09% over the last year, CreditAccess Grameen Ltd has managed to generate a return of 16.92%, showcasing its ability to outperform the market. Overall, these factors contribute to the stock's rising price.

Which are the latest news on CreditAcc. Gram.?