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CreditAccess Grameen
Large Cap•19,395 Employees•IPO 2018
Current Price
₹1160.90
-16.3 (-1.38%)Updated
Valuation vs Sector
P/E Ratio
40.12vs 18.54
P/B Ratio
2.71vs 2.09
Div Yield
0.00%vs 0.59%
Today's Range
1147
₹1160.90
1172.5
52 Week Range
52W Low₹914.00
52W High₹1496.70
₹1160.90
Downside27.01%
Upside28.93%
Price Chart
Compare with Peers
Historical Ratios
Track top 12 most important financial ratios
P/E Ratio: Price to Earnings - Most used valuation metric
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Analyzing Investment Quality
Processing 9 key metrics...
Key Metrics
Hover for details
Valuation
Market Cap
₹20,136.55 Cr
Market Cap
Total market value of companyP/E Ratio
41.49
P/E Ratio
Price to Earnings. Lower is generally better (<25 is good)P/B Ratio
3.02
P/B Ratio
Price to Book Value. <3 may indicate undervaluationEPS
₹30.23
EPS
Earnings Per Share. Higher and growing is positiveProfitability
ROE
2.45%
ROE
Return on Equity. >15% is good, >20% is excellentROCE
9.55%
ROCE
Return on Capital Employed. >15% is goodNet Margin
8.39%
Net Margin
Net profit as % of revenue. >10% is goodOperating Margin
-%
Operating Margin
Operating profit margin. >15% is goodGrowth
EPS Growth (5Y)
7.64%
EPS Growth (5Y)
5-year EPS growth. >15% is strongRevenue Growth (5Y)
27.27%
Revenue Growth (5Y)
5-year revenue growth. >10% is goodQtr Sales Growth
3.79%
Qtr Sales Growth
Quarter-over-quarter sales growthQtr Profit Growth
-32.40%
Qtr Profit Growth
Quarter-over-quarter profit growthFinancial Health
Debt/Equity
2.95
Debt/Equity
Financial leverage. <1 is good, <0.5 is excellentBook Value
₹435.51
Book Value
Net asset value per shareDividend Yield
-%
Dividend Yield
Annual dividend as % of price. >2% is goodPromoter Holding
66.40%
Promoter Holding
Promoter stake. >50% shows confidenceGood
Average
Needs Attention
SWOT Analysis
Strengths
4 points- •CreditAccess Grameen boasts a significant promoter holding of 66.4%, suggesting strong insider confidence and a reduced risk of hostile takeovers. This high ownership stake likely reflects a long-term commitment to the company's success.
- •The company maintains a healthy operating profit margin (OPM) of 37.20%, showcasing efficient cost management and robust pricing power within its niche market. This strong profitability is a key financial strength for CreditAccess Grameen.
Weaknesses
5 points- •CreditAccess Grameen exhibits a high debt-to-equity ratio of 2.94, indicating substantial reliance on debt financing. This high leverage increases financial risk and vulnerability to economic downturns or interest rate hikes.
- •The company experienced a significant -32.40% decrease in quarterly profit variation, raising concerns about the sustainability of its profitability and the potential impact of external factors. This volatility necessitates further investigation.
Opportunities
3 points- •The Microfinance Institutions sector, where CreditAccess Grameen operates, often benefits from significant untapped market potential in developing economies, offering a large customer base for future growth.
- •Favorable government policies and regulatory support aimed at financial inclusion can create a conducive environment, potentially boosting demand for microfinance services and expanding market reach.
Threats
3 points- •The presence of several competitors like Satin Creditcare, which shows positive quarterly profit growth (24.83%) and a better ROCE (11.53%), poses a significant competitive threat to CreditAccess Grameen.
- •Microfinance institutions are highly susceptible to changes in regulatory policies, which could impact lending practices, interest rate caps, or capital requirements, potentially affecting profitability.
Segment-wise Financial Analysis
Fetching Financials...
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Fetching Cash Flow...
Shareholding Pattern
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Company Insider Trading Activity
No insider trading data available
Corporate Action
Company Announcements
Technical Analysis & Indicators
Standard pivot points - most widely used
Pivot Points (CLASSIC)
| Level | Price | Distance | % Change |
|---|---|---|---|
| R4 | ₹1224.27 | +₹63.37 | +5.46% |
| R3 | ₹1198.77 | +₹37.87 | +3.26% |
| R2 | ₹1185.63 | +₹24.73 | +2.13% |
| R1 | ₹1173.27 | +₹12.37 | +1.07% |
| PIVOT | ₹1160.13 | -0.77 | -0.07% |
| CURRENT | ₹1160.90 | - | - |
| S1 | ₹1096.77 | -₹64.13 | -5.52% |
| S2 | ₹1122.27 | -₹38.63 | -3.33% |
| S3 | ₹1134.63 | -₹26.27 | -2.26% |
| S4 | ₹1147.77 | -₹13.13 | -1.13% |
CPR Levels
Support
Resistance
S4
N/A
S3
N/A
S2
N/A
S1
N/A
| CPR |
BC: N/AP: N/ATC: N/A
R1
N/A
R2
N/A
R3
N/A
R4
N/A
LTP: N/A
PDH: N/A
PDL: N/A
● Market Sentiment
is trading CPR, indicating
● CPR Width
CPR is
● Opening Range
Day's range: ~
● Price Position
Trading Inside opening range
Delivery Volume Analysis & Trading Activity
Latest Volume-27.0% vs avg
2.03L
(13 Mar 2026)Delivery %+12.4% vs avg
60.8%
(13 Mar 2026)Avg Volume (20D)20-day average
2.78L
(13 Feb - 13 Mar)Avg Delivery %Trend ↑
48.4%
(13 Feb - 13 Mar)Delivery % indicates the percentage of traded volume that resulted in actual delivery. Higher delivery % (>50%) suggests genuine buying interest and stronger hands.
Peer Comparison & Industry Benchmarking
Quick Compare
Largest by Market Cap
Bajaj Finance Ltd
6.31L ₹ Cr
Best Profit Growth
Capri Global Capital Ltd
131.00 %
Highest Dividend Yield
Mahindra & Mahindra Financial Services Ltd
2.18 %
Peer Comparison
| Company Name |
|---|
 Bajaj Finance Ltd |
 Capri Global Capital Ltd |
 Cholamandalam Financial Holdings Ltd |
 Five-Star Business Finance Ltd |
 HDB Financial Services Ltd |
 Manappuram Finance Ltd |
 MAS Financial Services Ltd |
 Mahindra & Mahindra Financial Services Ltd |
 Poonawalla Fincorp Ltd |
 SBFC Finance Ltd |
 Sundaram Finance Ltd |
About
CreditAccess Grameen Ltd
CreditAccess Grameen Limited (formerly Grameen Koota Financial Services Private Limited) is a non-banking financial company (NBFC) based in Bengaluru, India, operating as a subsidiary of CreditAccess India BV. Established in 1991, the company's core business revolves around providing microfinance services, primarily targeting women from impoverished and low-income households across India.
Their primary offering consists of microcredit loans designed to facilitate income generation activities. These loans are categorized for various purposes, including income generation itself, home improvements, emergency situations, and family welfare needs. Beyond basic microcredit, they also offer specialized loan products like Grameen Unnati, suggesting a focus on financial empowerment and sustainable development initiatives.
CreditAccess Grameen extends its services beyond microcredit loans. They provide a range of retail finance options, encompassing loans for diverse needs like home improvements (Gruha Vikas), two-wheeler purchases (Grameen two-wheeler), and gold loans (Grameen Swarna). This diversification shows an effort to cater to a broader spectrum of financial requirements within their target customer base.
In line with evolving financial technology, CreditAccess Grameen has integrated digital lending products into its portfolio. These digital offerings, including Pragathi digital and multi-purpose digital loans, reflect a commitment to modernizing their services and potentially expanding reach through increased accessibility and efficiency. This suggests a strategy to leverage technology for greater scalability and improved customer service.
Furthermore, the company demonstrates a holistic approach to financial inclusion by offering ancillary financial products such as Grameen Suraksha (life insurance) and participation in national pension schemes. By providing access to insurance and retirement planning, CreditAccess Grameen aims to support the long-term financial well-being of its clients, moving beyond simple credit provision.
COMPANY FACTS - CREDITACC
Registered Address
#49, 46th Cross, 8th Block, Jayanagar (Next to Rajalakshmi Kalayana Mantap) Bengaluru
Bangalore
KARNATAKA
IN
Tel: 918022637300
Website:https://www.creditaccessgrameen.in/
Investor Relations:http://www.creditaccessgrameen.in/investors/
Company Details
Group: Financial Services
Sector: Financials
Industry: Consumer Finance
Exchange: NATIONAL STOCK EXCHANGE OF INDIA
Employees: 19,395
IPO Date: 23/08/2018
MANAGEMENT - CREDITACC
Mr. Ganesh Narayanan
Chief Executive Officer, Managing Director, Director
Mr. Paolo Brichetti
Non-Executive Vice Chairman of the Board
Mr. Nilesh Dalvi
Chief Financial Officer
Mr. Gururaj Kumar Rao
Chief Operating Officer
Mr. Sudesh Puthran
Chief Technology Officer
Mr. Ravi Rathinam
Chief Information Security Officer
Ms. Deepti Ramani
Compliance Officer, Company Secretary
Mr. Firoz Anam
Chief Risk Officer
Ms. Haridarshini A
Head - Operational Excellence
Mr. Sundar Arumugam
Head - Strategy and Innovation, Digital Lending and Retail Finance Products
Mr. Arun B
Head - Operations and Business Analytics
Mr. Srivatsa H. N.
Chief Business Officer - Group Lending and Retail Finance
Investor Questions Answered
CreditAccess Grameen Ltd (CREDITACC) Stock FAQs
Get answers to the most common questions about CreditAccess Grameen Ltd stock price, fundamentals, financial metrics, and investment analysis
The current share price of CreditAccess Grameen Ltd (CREDITACC) is ₹1,160.9. Today, the stock has declined by ₹16.30 (1.38%), trading in a range of ₹1,147 to ₹1,172.5. The stock opened at ₹1,170 with a trading volume of 2,03,150 shares.
CreditAccess Grameen Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹20,136.55 crores, P/E ratio of 41.49, ROE of 2.45%, and ROCE of 9.55%. The dividend yield stands at 0.00%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
The 52-week high price of CreditAccess Grameen Ltd (CREDITACC) is ₹1,496.7, while the 52-week low is ₹914. Currently trading at ₹1,160.9, the stock is 42.4% away from its 52-week low and 22.4% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
Whether to buy CreditAccess Grameen Ltd stock at ₹1,160.9 depends on multiple factors. The stock is currently trading with a P/E ratio of 41.49 and P/B ratio of N/A. Today's performance shows a loss of 1.38%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
CreditAccess Grameen Ltd offers a dividend yield of 0.00%, which means for every ₹100 invested at the current price of ₹1,160.9, you can expect to receive approximately ₹0.00 annually as dividends. The face value of the stock is ₹10.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
CreditAccess Grameen Ltd's key financial metrics include: P/E Ratio: 41.49, P/B Ratio: N/A, ROE: 2.45%, ROCE: 9.55%, Dividend Yield: 0.00%, EPS: ₹30.23, Book Value: ₹435.51, Debt-to-Equity: 2.95, and Current Ratio: N/A. The company's market cap stands at ₹20,136.55 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
CreditAccess Grameen Ltd stock opened at ₹1,170 and is currently trading at ₹1,160.9, showing a decline of ₹16.30 (1.38%). The intraday high is ₹1,172.5 and low is ₹1,147. The trading volume stands at 2,03,150 shares, indicating moderate market participation today.
CreditAccess Grameen Ltd has a Price-to-Earnings (P/E) ratio of 41.49, which means investors are willing to pay ₹41.49 for every ₹1 of earnings. With an EPS of ₹30.23, this P/E ratio suggests the stock may be trading at a premium, possibly due to high growth expectations. Compare this with industry peers and historical P/E ratios for better context.
CreditAccess Grameen Ltd has a market capitalization of ₹20,136.55 crores, making it a mid-cap company. Market cap is calculated by multiplying the current stock price (₹1,160.9) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.
CreditAccess Grameen Ltd has a book value of ₹435.51 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹1,160.9, which is 166.6% above the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.
CreditAccess Grameen Ltd has a Return on Equity (ROE) of 2.45% and Return on Capital Employed (ROCE) of 9.55%. ROE measures how efficiently the company generates profits from shareholders' equity, while ROCE indicates how well the company uses its capital to generate profits. These returns may need improvement for better profitability. Higher percentages generally indicate better financial performance.
CreditAccess Grameen Ltd operates in the diversified sector and belongs to the general industry. The company competes with other players in this space and its performance is influenced by sector-specific trends, regulatory changes, and market dynamics. Understanding the sector helps investors assess growth potential, cyclical patterns, and industry-specific risks that may impact the stock's performance.
CreditAccess Grameen Ltd has a debt-to-equity ratio of 2.95, which measures the company's financial leverage by comparing total debt to shareholders' equity. A ratio above 2 indicates high leverage and potentially higher financial risk. Lower ratios generally indicate lower financial risk, but optimal levels vary by industry.
CreditAccess Grameen Ltd has an Earnings Per Share (EPS) of ₹30.23, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹1,160.9 and P/E ratio of 41.49, investors are paying 41.49 times the annual earnings per share. This moderate EPS suggests decent earnings generation. Track EPS growth over quarters to assess earnings momentum.
CreditAccess Grameen Ltd has reported a sales growth of N/A% and profit growth of N/A%. The company may be facing growth challenges or operating in a mature market. Consistent growth over multiple quarters is a positive indicator for long-term investors. Compare these growth rates with industry peers for better perspective.
CreditAccess Grameen Ltd has a current ratio of N/A, which measures the company's ability to pay short-term obligations with current assets. A ratio below 1 may indicate potential liquidity concerns. This metric is crucial for assessing the company's working capital management and financial safety.
To analyze CreditAccess Grameen Ltd stock, consider: 1) Fundamental Analysis - Review P/E (41.49), ROE (2.45%), debt-to-equity (2.95), and growth rates. 2) Technical Analysis - Check 52-week range (₹914.00 - ₹1496.70), moving averages, and chart patterns. 3) Valuation - Compare current price (₹1160.90) with book value (₹435.51) and industry peers. 4) Financial Health - Assess current ratio (N/A) and cash flows. 5) Growth Prospects - Evaluate sales growth (N/A%) and profit growth (N/A%). Always diversify and consult a financial advisor.
The face value (or par value) of CreditAccess Grameen Ltd share is ₹10.00. Face value is the nominal value of a share as stated in the company's charter and is used for accounting purposes and calculating dividends. The current market price of ₹1,160.9 is 11509x the face value. Face value remains constant unless the company undergoes a stock split or bonus issue, while market price fluctuates based on demand and supply.
Investing in CreditAccess Grameen Ltd carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹914.00 - ₹1496.70). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 2.95 indicates leverage. 4) Liquidity Risk - Based on trading volume of 2,03,150 shares. 5) Valuation Risk - P/E of 41.49 may indicate over/undervaluation. 6) Economic Risk - Macroeconomic factors affecting the industry. Diversify your portfolio and invest only what you can afford to lose.
CreditAccess Grameen Ltd operates in the industry with key metrics: P/E ratio of 41.49, ROE of 2.45%, market cap of ₹20,136.55 crores, and dividend yield of 0.00%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 2.95), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.
Target prices for CreditAccess Grameen Ltd vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹1,160.9, with a 52-week range of ₹914.00 to ₹1496.70. Based on fundamentals like P/E (41.49), ROE (2.45%), and growth rates, analysts may have different target prices. Always refer to recent research reports from reputed brokerages and make decisions based on your own analysis and risk appetite.
Consider selling CreditAccess Grameen Ltd stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹1160.90. 2) Fundamental Deterioration - Declining ROE (currently 2.45%), increasing debt (D/E: 2.95), or falling growth rates. 3) Better Opportunities - Finding stocks with superior risk-reward ratios. 4) Portfolio Rebalancing - When the stock becomes overweight in your portfolio. 5) Changed Investment Thesis - If reasons for buying no longer hold. 6) Stop Loss - If price falls below your risk threshold. Always base decisions on thorough analysis rather than emotions.
Tax implications for CreditAccess Grameen Ltd stock investments: 1) Short-term Capital Gains (STCG) - If sold within 1 year, gains taxed at 15% plus cess. 2) Long-term Capital Gains (LTCG) - If held over 1 year, gains above ₹1 lakh taxed at 10% without indexation. 3) Dividend Income - Dividends (current yield: 0.00%) are taxable as per your income tax slab. 4) Securities Transaction Tax (STT) - Applicable on both buy and sell transactions. 5) Intraday Trading - Treated as speculative income, taxed as per slab. Tax laws change periodically, so consult a tax advisor for personalized guidance and latest regulations.
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