CreditAcc. Gram.

Why is CreditAccess Grameen Ltd falling/rising?

As of 25-Aug, CreditAccess Grameen Ltd's stock price is currently at 1,414.35, reflecting a decline of 1.84% and significant underperformance over the past week. Despite strong long-term fundamentals, the stock's high valuation and low return on equity are contributing to its recent downward trend.

As of 25-Aug, CreditAccess Grameen Ltd's stock price is falling, currently at 1,414.35, which reflects a decrease of 26.45 or 1.84%. The stock has been underperforming significantly, with a decline of 7.14% over the past week, compared to a 0.54% increase in the Sensex. Over the last three days, the stock has experienced consecutive falls, totaling a drop of 7.74%. <BR><BR>Today, the stock reached an intraday low of Rs 1403.85, marking a decrease of 2.56%. Additionally, it is currently trading lower than its 5-day, 20-day, and 50-day moving averages, although it remains above the 100-day and 200-day moving averages. Despite a notable increase in investor participation, with delivery volume rising by 249.85% against the 5-day average, the overall performance today indicates that the stock has underperformed its sector by 2.19%.<BR><BR>While the company has shown strong long-term fundamental strength, including a 27.65% CAGR growth in operating profits and a significant increase in net profit, the stock's current valuation appears expensive, with a Price to Book Value of 2.9. This premium valuation, combined with a relatively low return on equity of 9.9, may be contributing to the downward pressure on the stock price.

Which are the latest news on CreditAcc. Gram.?

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

The management team of CreditAcc. Gram. includes George Joseph (Chairman), Udaya Kumar Hebbar (Managing Director & CEO), Paolo Brichetti (Vice Chairman), and several non-executive and independent directors, bringing diverse expertise to the company.

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.

What does CreditAcc. Gram. do?

CreditAccess Grameen Ltd is a small-cap financial services company that provides microfinance solutions. As of June 2026, it reported net sales of ₹1,783 Cr and a net profit of ₹493 Cr, with a market cap of ₹24,751 Cr.

Overview:<BR>CreditAccess Grameen Ltd operates in the finance industry as a small-cap company, providing 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 latest quarterly results reported net sales and profit for June 2026.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 1,783 Cr (Quarterly Results - Jun 2026) <BR>Most recent Net Profit: 493 Cr (Quarterly Results - Jun 2026) <BR>Market-cap value: INR 24,751 Cr (Small Cap)<BR><BR>Key Metrics:<BR>P/E: 20.00 <BR>Industry P/E: 21 <BR>Dividend Yield: 0.00% <BR>Debt Equity: 3.01 <BR>Return on Equity: 9.92% <BR>Price to Book: 3.17 <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 peers of the CreditAcc. Gram.?

Peers of CreditAcc. Gram. include Power Fin. Corpn., I R F C, REC Ltd, HUDCO, Indian Renewable, IFCI, Tour. Fin. Corp., Muthoot Microfin, Fusion Finance, and Satin Creditcare, with varying management and growth risks. CreditAcc. Gram. has good management risk and an excellent capital structure, with a 1-year return of 19.23%, higher than I R F C but lower than IFCI's 43.60%.

Peers: The peers of CreditAcc. Gram. are Power Fin.Corpn., I R F C, REC Ltd, HUDCO, Indian Renewable, IFCI, Tour. Fin. Corp., Muthoot Microfin, Fusion Finance, 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 Fusion Finance, and the rest. Good management risk is attributed to CreditAcc. Gram., while Below Average management risk is noted for IFCI and Tour. Fin. Corp. In terms of Growth, Excellent growth is seen at REC Ltd, while Average growth is found at I R F C, HUDCO, and the rest, and Good growth is noted for Indian Renewable and Satin Creditcare, while Below Average growth is observed at Power Fin.Corpn., Muthoot Microfin, and Fusion Finance. Capital Structure ratings show Excellent at CreditAcc. Gram., IFCI, Tour. Fin. Corp., Muthoot Microfin, Fusion Finance, and Satin Creditcare, while Good is noted for REC Ltd and Indian Renewable, and Average is seen at Power Fin.Corpn., I R F C, HUDCO, and the rest.<BR><BR>Return Snapshot: The peer with the highest 1-year return is IFCI at 43.60%, while the lowest is I R F C at -29.65%. CreditAcc. Gram.'s 1-year return of 19.23% is higher than that of I R F C but lower than IFCI. Additionally, the peers with negative six-month returns include REC Ltd and Indian Renewable.

How big is CreditAcc. Gram.?

As of 14th August, CreditAccess Grameen Ltd has a market capitalization of 24,831.67 Cr, with recent net sales of 6,379.52 Cr and a net profit of 1,210.84 Cr over the latest four quarters.

As of 14th August, <BR><BR>Market Cap: CreditAccess Grameen Ltd has a market capitalization of 24,831.67 Cr and is classified as a Small Cap company.<BR><BR>Recent Quarterly Performance: The sum of Net Sales for the latest four quarters is 6,379.52 Cr, while the sum of Net Profit for the same period is 1,210.84 Cr.<BR><BR>Balance Sheet Snapshot: The reporting period is March 2026, with Shareholder's Funds amounting to 7,842.25 Cr and Total Assets totaling 31,602.37 Cr.

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?

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.