CreditAccess Grameen Ltd Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Consolidate Quarterly Results

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Jun'24

Net Sales

1,490.41

1,508.35

1,462.89

1,406.63

1,380.38

1,453.29

1,512.03

Other Operating Income

0.00

Total Operating income

1,490.41

1,508.35

1,462.89

1,406.63

1,380.38

1,453.29

1,512.03

Raw Material Cost

0.00

Purchase of Finished goods

0.00

(Increase) / Decrease In Stocks

0.00

Employee Cost

226.85

219.32

221.21

175.36

178.37

188.83

187.79

Power Cost

0.00

Manufacturing Expenses

0.56

0.54

0.97

0.14

0.63

0.13

0.20

Selling and Distribution Expenses

0.00

Other Expenses

450.26

624.68

662.95

688.19

841.46

511.18

265.19

Total Expenditure (Excl Depreciation)

677.67

844.54

885.13

863.69

1,020.46

700.14

453.18

Operating Profit (PBDIT) excl Other Income

812.74

663.81

577.76

542.94

359.92

753.15

1,058.85

Other Income

0.90

0.67

0.74

1.08

1.55

0.63

0.55

Operating Profit (PBDIT)

813.64

664.48

578.50

544.02

361.47

753.78

1,059.40

Interest

459.34

479.52

482.16

477.78

474.87

484.60

510.31

Exceptional Items

0.00

Gross Profit (PBDT)

354.30

184.96

96.34

66.24

-113.40

269.18

549.09

Depreciation

16.38

15.80

15.22

15.16

15.53

17.19

14.35

Profit Before Tax

337.92

169.16

81.12

51.08

-128.93

251.99

534.74

Tax

85.83

43.35

20.93

3.87

-29.41

65.93

137.08

Provisions and contingencies

0.00

Profit After Tax

252.09

125.81

60.19

47.21

-99.52

186.06

397.66

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

252.09

125.81

60.19

47.21

-99.52

186.06

397.66

Share in Profit of Associates

0.00

Minority Interest

0.00

Other related items

0.00

Consolidated Net Profit

252.09

125.81

60.19

47.21

-99.52

186.06

397.66

Equity Capital

160.08

159.74

159.72

159.57

159.46

159.41

Face Value

10.0

Reserves

0.00

Earnings per share (EPS)

15.75

7.88

3.77

2.96

-6.24

11.67

24.95

Diluted Earnings per share

15.68

7.83

3.76

2.95

-6.24

11.61

24.82

Operating Profit Margin (Excl OI)

54.53%

44.01%

39.49%

38.6%

26.07%

51.82%

70.03%

Gross Profit Margin

23.77%

12.26%

6.59%

4.71%

-8.22%

18.52%

36.31%

PAT Margin

16.91%

8.34%

4.11%

3.36%

-7.21%

12.8%

26.3%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Quarterly Analysis Highlights - QoQ

Net Sales

QoQ Growth in quarter ended Dec 2025 is -1.19% vs 3.11% in Sep 2025

Consolidate Net Profit

QoQ Growth in quarter ended Dec 2025 is 100.37% vs 109.02% in Sep 2025

Operating Profit (PBDIT) excl Other Income

QoQ Growth in quarter ended Dec 2025 is 22.44% vs 14.89% in Sep 2025

Interest

QoQ Growth in quarter ended Dec 2025 is -4.21% vs -0.55% in Sep 2025

Operating Profit Margin (Excl OI)

QoQ Growth in quarter ended Dec 2025 has improved from Sep 2025

Compare Quarterly Results Of CreditAcc. Gram. With

Select Peers

Figures in Cr

Consolidate Quarterly Results

Change(INR)

Change(%)

Net Sales

1,490.41

2,130.19

-639.78

-30.03%

Other Operating Income

0.00

Total Operating income

1,490.41

2,130.19

-639.78

-30.03%

Raw Material Cost

0.00

Purchase of Finished goods

0.00

(Increase) / Decrease In Stocks

0.00

Employee Cost

226.85

29.01

197.84

681.97%

Power Cost

0.00

Manufacturing Expenses

0.56

0.00

0.56

Selling and Distribution Expenses

0.00

Other Expenses

450.26

150.18

300.08

199.81%

Total Expenditure (Excl Depreciation)

677.67

179.19

498.48

278.19%

Operating Profit (PBDIT) excl Other Income

812.74

1,951.00

-1,138.26

-58.34%

Other Income

0.90

9.73

-8.83

-90.75%

Operating Profit (PBDIT)

813.64

1,960.73

-1,147.09

-58.50%

Interest

459.34

1,232.58

-773.24

-62.73%

Exceptional Items

0.00

Gross Profit (PBDT)

354.30

728.15

-373.85

-51.34%

Depreciation

16.38

10.95

5.43

49.59%

Profit Before Tax

337.92

717.20

-379.28

-52.88%

Tax

85.83

132.04

-46.21

-35.00%

Provisions and contingencies

0.00

Profit After Tax

252.09

585.16

-333.07

-56.92%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

252.09

585.16

-333.07

-56.92%

Share in Profit of Associates

0.00

Minority Interest

0.00

Other related items

0.00

Consolidated Net Profit

252.09

585.16

-333.07

-56.92%

Equity Capital

160.08

2,809.23

-2,649.15

-94.30%

Face Value

10.00

0.00

Reserves

0.00

Earnings per share (EPS)

15.75

2.08

13.67

657.21%

Diluted Earnings per share

15.68

2.09

13.59

650.24%

Operating Profit Margin (Excl OI)

54.53%

91.98%

0.00

-37.45%

Gross Profit Margin

23.77%

34.33%

0.00

-10.56%

PAT Margin

16.91%

27.59%

0.00

-10.68%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Quarterly - Net Sales

Net Sales 1,490.41 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is -1.19% vs 3.11% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 7.97% vs 6.82% in Dec 2024

Quarterly - Consolidate Net Profit

Consolidate Net Profit 252.09 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 100.37% vs 109.02% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 353.31% vs -128.17% in Dec 2024

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 812.74 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 22.44% vs 14.89% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 125.81% vs -61.18% in Dec 2024

Quarterly - Interest

Interest 459.34 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is -4.21% vs -0.55% in Sep 2025

YoY Growth in quarter ended Dec 2025 is -3.27% vs 7.56% in Dec 2024

Quarterly - Operating Profit Margin (Excl OI)

Operating Profit Margin (Excl OI) 54.53%

in Dec 2025

Figures in %

QoQ Growth in quarter ended Dec 2025 has improved from Sep 2025

YoY Growth in quarter ended Dec 2025 has improved from Dec 2024