ScoreWhy is CreditAccess Grameen Ltd ?
1
Strong Long Term Fundamental Strength with a 22.00% CAGR growth in Net Sales
2
Flat results in Sep 25
- PAT(Latest six months) At Rs 186.00 cr has Grown at -68.14%
- DPR(Y) Lowest at 0.00%
3
With ROE of 1.9, it has a Very Expensive valuation with a 3 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 39.34%, its profits have fallen by -90%
4
High Institutional Holdings at 25.61%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 0.72% over the previous quarter.
5
Market Beating Performance
- The stock has generated a return of 39.34% in the last 1 year, much higher than market (BSE500) returns of 2.13%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to CreditAcc. Gram. should be less than 10%
- Overall Portfolio exposure to Finance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is CreditAcc. Gram. for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
CreditAcc. Gram.
38.53%
0.82
48.03%
Sensex
4.75%
0.41
11.83%
Management Risk
Growth
Capital StructureValuationValuation Key Factors 
Factor
Value
P/E Ratio
160
Industry P/E
23
Price to Book Value
2.98
EV to EBIT
19.46
EV to EBITDA
18.90
EV to Capital Employed
1.54
EV to Sales
7.04
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
7.91%
ROE (Latest)
1.87%
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend10What is working for the Company
PBT LESS OI(Q)
At Rs 168.49 cr has Grown at 168.2% (vs previous 4Q average
PAT(Q)
At Rs 125.81 cr has Grown at 159.5% (vs previous 4Q average
OPERATING CF(Y)
Highest at Rs 1,125.24 Cr
NET SALES(Q)
Highest at Rs 1,508.35 cr
-7What is not working for the Company
PAT(Latest six months)
At Rs 186.00 cr has Grown at -68.14%
DPR(Y)
Lowest at 0.00%
Loading Valuation Snapshot...
Here's what is working for CreditAcc. Gram.
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 168.49 cr has Grown at 168.2% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs 62.82 CrMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 125.81 cr has Grown at 159.5% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 48.49 CrMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Operating Cash Flow - Annually
Highest at Rs 1,125.24 Cr
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (Rs Cr)
Net Sales - Quarterly
Highest at Rs 1,508.35 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Net Sales (Rs Cr)
Here's what is not working for CreditAcc. Gram.
Dividend Payout Ratio (DPR) - Annually
Lowest at 0.00%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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