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CreditAccess Grameen Ltd

CREDITACC Share Price

1,306.400.60% (+7.80)
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With a market cap of ₹20,744 cr, stock is ranked 349

Stock is 3.59x as volatile as Nifty

CREDITACC Stock Scorecard

Performance

Low

Hasn't fared well - amongst the low performers

Valuation

High

Seems to be overvalued vs the market average

Growth

Low

Lagging behind the market in financials growth

Profitability

High

Showing good signs of profitability & efficiency

Entry point

Avg

The stock is overpriced but is not in the overbought zone

Red flags

Low

No red flag found

How to use scorecard? Learn more

With a market cap of ₹20,744 cr, stock is ranked 349

Stock is 3.59x as volatile as Nifty

CREDITACC Performance & Key Metrics

CREDITACC Performance & Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
39.042.98
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
17.372.480.86%

CREDITACC Analyst Ratings & Forecast

Detailed Forecast Detailed Forecast 
67%
Analysts have suggested that investors can buy this stock

from 15 analysts

Price Upside

Earnings Growth

Rev. Growth

See Detailed Forecast

CREDITACC Company Profile

CreditAccess Grameen is a non-banking financial company engaged in microfinance sector. Its services are focused towards the rural poor and low income households particularly women

Investor Presentation

View older View older 

May 16, 2025

PDF
View Older Presentations

CREDITACC Similar Stocks (Peers)

Compare with peers Compare with peers 

CREDITACC Similar Stocks (Peers)

Compare with peers Compare with peers 
PE Ratio
34.66
34.66
1Y Return
31.43%
31.43%
Buy Reco %
62.50
62.50
PE Ratio
126.54
126.54
1Y Return
9.62%
9.62%
Buy Reco %
0.00
0.00
PE Ratio
30.72
30.72
1Y Return
10.15%
10.15%
Buy Reco %
61.76
61.76
PE Ratio
13.47
13.47
1Y Return
18.73%
18.73%
Buy Reco %
87.50
87.50
PE Ratio
19.99
19.99
1Y Return
44.62%
44.62%
Buy Reco %
64.71
64.71
Compare with Peers

CREDITACC Sentiment Analysis

CREDITACC Sentiment Analysis

New
Crisp summary & key insights to decode earnings calls instantly

CREDITACC Stock Summary · May 2025

In Q4 FY25, the company faced significant operational challenges, particularly in Karnataka, due to extreme weather and rising delinquencies, yet it maintained a focus on portfolio stability, leading to a revised growth guidance of 7-8% for FY25. Despite a net interest income growth of 1.7% and a healthy net interest margin of 12.7%, the company executed substantial write-offs to manage asset quality. Looking ahead, it targets AUM growth of 14-18% for FY26, emphasizing customer retention and strategic adjustments in regions like Bihar. Positive trends in delinquency management and improved collection efficiencies suggest a potential recovery, while proactive measures in credit cost management reflect a commitment to operational resilience amidst ongoing challenges.

CREDITACC Stock Growth Drivers
CREDITACC Stock Growth Drivers
7
  • Strong Borrower Growth

    In Q4 FY25, the company added 2.61 lakh new borrowers, with 43% being new-to-credit, contributing

  • Resilient Financial Performance

    In Q4 FY25, the company reported a net interest income growth of 1.7% QoQ, reaching

CREDITACC Stock Challenges
CREDITACC Stock Challenges
5
  • Decline in Portfolio Performance

    CreditAccess Grameen Limited has reported a decline in new PAR accretion rates across all states,

  • Operational Challenges in Key Regions

    The company faced operational challenges in Karnataka, which affected disbursement momentum, dropping to 57% in

CREDITACC Forecast

CREDITACC Forecasts

Price

Revenue

Earnings

CREDITACC

CREDITACC

Income

Balance Sheet

Cash Flow

CREDITACC Income Statement

CREDITACC Income Statement

Industry refers to the sub-sector this company belongs to.
Higher than Industry Revenue Growth
A higher-than-industry revenue growth represents increased potential for the company to increase their market share

Over the last 5 years, revenue has grown at a yearly rate of 27.54%, vs industry avg of 16.16%

Increasing Market Share
Market share is the percentage of an industry's total sales going to a particular company. It gives a general idea of the size of a company v/s its competitors

Over the last 5 years, market share increased from 1.12% to 1.92%

Lower than Industry Net Income
Net income is equal to net earnings (profit) less expenses. This number is an important measure of how profitable the company is

Over the last 5 years, net income has grown at a yearly rate of 9.76%, vs industry avg of 20.03%

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Financial YearFY 2019FY 2020FY 2021FY 2022FY 2023FY 2024FY 2025TTM
Total Revenue1,283.321,705.482,466.072,750.133,550.795,172.655,756.145,756.14
Raw Materialssubtract4,985.03
Power & Fuel Costsubtract
Employee Costsubtract186.05262.05379.99437.66515.24669.43730.36
Selling & Administrative Expensessubtract88.18125.95136.93180.30246.12295.46333.72
Operating & Other expensessubtract503.56835.511,724.681,604.151,641.422,217.433,920.97
Depreciation/Amortizationsubtract7.7920.3744.0747.2349.8451.1562.2262.23
Interest & Other Itemssubtract
Taxes & Other Itemssubtract175.98128.0546.38127.72279.36493.25177.47177.47
EPS22.4123.208.9522.6752.0390.8633.3133.27
DPS0.000.000.000.000.0010.000.0010.00
Payout ratio0.000.000.000.000.000.110.000.30

CREDITACC Company Updates

Annual Report and Investor Presentation updates mentioned here are as reported by the company to the exchange
FY 2025FY 2025

Annual report

PDF

Investor Presentation

May 16PDF
May 16PDF
Jan 24PDF
Oct 25PDF
FY 2024FY 2024

Annual report

PDF

Investor Presentation

Jul 21PDF
FY 2023FY 2023

Annual report

PDF

Investor Presentation

May 16PDF
Feb 7PDF
Oct 21PDF
Jul 30PDF
FY 2022FY 2022

Annual report

PDF

Investor Presentation

May 12PDF
FY 2021FY 2021

Annual report

PDF
FY 2020FY 2020

Annual report

PDF
FY 2019FY 2019

Annual report

PDF
FY 2018FY 2018

Annual report

PDF
 

CREDITACC Stock Peers

CREDITACC Past Performance & Peer Comparison

CREDITACC Past Performance & Peer Comparison

Comparing 3 stocks from 
FinancialsConsumer Finance

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StockPE RatioPE RatioPB RatioPB RatioDiv. YieldDividend Yield
CreditAccess Grameen Ltd39.042.98
Bajaj Finance Ltd34.665.830.60%
Jio Financial Services Ltd126.541.470.16%
Cholamandalam Investment and Finance Company Ltd30.725.530.13%

CREDITACC Stock Price Comparison

Compare CREDITACC with any stock or ETF
Compare CREDITACC with any stock or ETF
CREDITACC
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CREDITACC Holdings

CREDITACC Shareholdings

CREDITACC Promoter Holdings Trend

CREDITACC Promoter Holdings Trend

Total Promoter Holding
Increasing promoter holding is considered good and reflects management’s positive view about the future outlook

In last 6 months, promoter holding in the company has almost stayed constant

Low Pledged Promoter Holding
Lower pledged promoter holdings is considered better

Pledged promoter holdings is insignificant

CREDITACC Institutional Holdings Trend

CREDITACC Institutional Holdings Trend

Total Retail Holding
Increasing retail holding can be considered bad as it can reflect that institutions and promoters are selling their stake which is being absorbed by retail investors.

In last 3 months, retail holding in the company has almost stayed constant

Increased Foreign Institutional Holding
Foreign Institutional Holding is quantum of stock held by foreign large-quantities-trading entities. Increasing value indicates growing support and comfort for the stock

In last 3 months, foreign institutional holding of the company has increased by 1.62%

Tickertape Separator

CREDITACC Shareholding Pattern

CREDITACC Shareholding Pattern

Retail and OthersForeign InstitutionsOther Domestic InstitutionsMutual FundsTotal Promoter Holding66.43%10.64%2.04%11.38%9.51%

Jun 2024

Sep 2024

Dec 2024

Mar 2025

CREDITACC Shareholding History

CREDITACC Shareholding History

Dec '23MarJunSepDec '24Mar12.00%11.65%10.88%10.76%9.76%11.38%

Mutual Funds Invested in CREDITACC

Mutual Funds Invested in CREDITACC

No mutual funds holding trends are available

Top 5 Mutual Funds holding CreditAccess Grameen Ltd




Funds (Top 5)Market-cap heldWeight3M holding changePortfolio rank
(3M change)
1.2454%1.01%-0.03%25/117 (+4)
0.8768%0.70%0.06%48/140 (0)
0.7636%0.24%0.01%77/248 (0)

Compare 3-month MF holding change on Screener

CREDITACC Insider Trades & Bulk Stock Deals

CREDITACC Insider Trades & Bulk Stock Deals

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smallcases containing CREDITACC stock

smallcases containing CREDITACC stock

A smallcase is a basket of stocks/ETFs that represents an idea or theme.Diversify your risk and buy smallcases that have CreditAccess Grameen Ltd

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Rising Rural Demand Theme

Rising Rural Demand Theme

Created by Windmill Capital

CREDITACC's Wtg.
5.51%
5.51%
CAGR
15.83%
Banking Privately Theme

Banking Privately Theme

Created by Windmill Capital

CREDITACC's Wtg.
5.00%
5.00%
CAGR
19.14%

CREDITACC Events

CREDITACC Events

CREDITACC Dividend Trend

No dividend trend available

Dividends

Corp. Actions

Announcements

Legal Orders

CREDITACC Dividend Trend

No dividend trend available

CREDITACC Upcoming Dividends

CREDITACC Upcoming Dividends

No upcoming dividends are available

CREDITACC Past Dividends

CREDITACC Past Dividends

Cash Dividend

Ex DateEx DateJul 26, 2024

Final
Final | Div/Share: ₹10.00

Dividend/Share

10.00

Ex DateEx Date

Jul 26, 2024

CREDITACC Stock News & Opinions

CREDITACC Stock News & Opinions

Corporate
CreditAccess Grameen to announce Quarterly Result

CreditAccess Grameen will hold a meeting of the Board of Directors of the Company on 22 July 2025.Powered by Capital Market - Live

1 week agoCapital Market - Live
Corporate
CreditAccess Grameen allots 3,750 equity shares under ESOP

CreditAccess Grameen has allotted 3,750 equity shares under ESOP on 03 July 2025. Powered by Capital Market - Live

1 week agoCapital Market - Live
Corporate
CreditAccess Grameen AGM scheduled

CreditAccess Grameen announced that the 34th Annual General Meeting(AGM) of the company will be held on 30 July 2025.Powered by Capital Market - Live

1 week agoCapital Market - Live
Corporate
CreditAccess Grameen allots Equity Shares

CreditAccess Grameen allotted 1,400 Equity Shares of Rs. 10/- each to 4 employees, who have exercised Options under CAGL Employees Stock Option Plan ' 2011.Powered by Capital Market - Live

3 weeks agoCapital Market - Live
Corporate
CreditAccess Grameen appoints MD & CEO

The Board of CreditAccess Grameen at the meeting held on 18 June 2025 has approve the interim designation of Mr. Ganesh Narayanan as 'CEO & MD (Designate)' with effect from June 26, 2025, until the date of receipt of approval by RBI for his appointment as MD & CEO.Powered by Capital Market - Live

3 weeks agoCapital Market - Live
Earnings
CreditAccess Grameen consolidated net profit declines 88.11% in the March 2025 quarter

Net profit of CreditAccess Grameen declined 88.11% to Rs 47.21 crore in the quarter ended March 2025 as against Rs 397.08 crore during the previous quarter ended March 2024. Sales declined 3.49% to Rs 1406.63 crore in the quarter ended March 2025 as against Rs 1457.49 crore during the previous quarter ended March 2024. For the full year,net profit declined 63.25% to Rs 531.40 crore in the year ended March 2025 as against Rs 1445.93 crore during the previous year ended March 2024. Sales rose 11.34% to Rs 5752.33 crore in the year ended March 2025 as against Rs 5166.67 crore during the previous year ended March 2024. ParticularsQuarter EndedYear EndedMar. 2025Mar. 2024% Var.Mar. 2025Mar. 2024% Var. Sales1406.631457.49 -3 5752.335166.67 11 OPM %38.6070.24 -47.2071.94 - PBDT66.24543.21 -88 771.091990.33 -61 PBT51.08529.46 -90 708.871939.18 -63 NP47.21397.08 -88 531.401445.93 -63 Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
Board of CreditAccess Grameen approves Rs 2000 cr public issue of NCDs

The Board of CreditAccess Grameen at its meeting held on 16 May 2025 has approved the proposal for raising funds through public issue of Non-Convertible Debentures in domestic market up to Rs 2000 crore in one or more tranches. Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
CreditAccess Grameen schedules board meeting

CreditAccess Grameen will hold a meeting of the Board of Directors of the Company on 16 May 2025.Powered by Capital Market - Live

2 months agoCapital Market - Live
Corporate
CreditAccess Grameen allots 775 equity shares under ESOP

CreditAccess Grameen has allotted 775 Equity Shares of Rs. 10/- each to 1 employee, who has exercised his Options under CAGL Employees Stock Option Plan - 2011.Powered by Capital Market - Live

4 months agoCapital Market - Live
Spotlight
CreditAccess Grameen jumps on strong business update, despite Karnataka challenges

The microfinance institution reported robust loan portfolio growth across most of its operational geographies, adding over 150,000 new borrowers in January and February. This brings its Gross Loan Portfolio (GLP) to Rs 25,395 crore in February 2025, up from Rs 24,810 crore in December 2024. However, the report also highlighted challenges in the Karnataka region, where asset quality has deteriorated. PAR 0+% (loans overdue by any amount) rose to 7.9% in February from 4.3% in December, and PAR 90+% (loans overdue by 90 days or more) increased to 2.1% from 1.2% over the same period. The company attributed the increase in delinquencies in Karnataka to the recent Karnataka Ordinance, which introduced new regulations on microfinance lenders. The Karnataka Micro Loan and Small Loan (Prevention of Coercive Action) ordinance 2025, effective 12 February 2025, created initial ambiguities and on-ground sensitivities that impacted collections. CreditAccess Grameen emphasized that the situation in Karnataka is stabilizing following clarifications and communication with borrowers and stakeholders. Despite the temporary increase in delinquencies, Karnataka's PAR 0+ remains lower than some other operating regions, and the company expects a gradual return to normal conditions within 1-2 months. CreditAccess Grameen is a leading Indian microfinance institution headquartered in Bengaluru, focused on providing micro-loans to women customers predominantly in rural areas across India. The company is now operating across 422 districts in 16 states (Andhra Pradesh, Bihar, Chhattisgarh, Goa, Gujarat, Jharkhand, Karnataka, Kerala, Madhya Pradesh, Maharashtra, Odisha, Rajasthan, Tamil Nadu, Telangana, Uttar Pradesh & West Bengal) and one union territory (Puducherry) through 2,059 branches. On a consolidated basis, CreditAccess Grameen reported net loss of Rs 99.52 crore in Q3 December 2024 as against net profit of Rs 353.34 crore in Q3 December 2023. Total income rose 6.7% year-on-year to Rs 1381.93 crore in Q3 December 2024. Powered by Capital Market - Live

4 months agoCapital Market - Live

Frequently asked questions

Frequently asked questions

  1. What is the share price of CreditAccess Grameen Ltd (CREDITACC) today?

    The share price of CREDITACC as on 16th July 2025 is ₹1306.40. The stock prices are volatile and keep changing through the day depending upon various factors and market conditions.

  2. What is the return on CreditAccess Grameen Ltd (CREDITACC) share?

    The past returns of CreditAccess Grameen Ltd (CREDITACC) share are
    • Past 1 week: 3.96%
    • Past 1 month: 12.51%
    • Past 3 months: 23.47%
    • Past 6 months: 44.19%
    • Past 1 year: 1.22%
    • Past 3 years: 27.61%
    • Past 5 years: 136.09%

  3. What are the peers or stocks similar to CreditAccess Grameen Ltd (CREDITACC)?
  4. What is the market cap of CreditAccess Grameen Ltd (CREDITACC) share?

    Market capitalization, short for market cap, is the market value of a publicly traded company's outstanding shares. The market cap of CreditAccess Grameen Ltd (CREDITACC) is ₹20744.36 Cr as of 16th July 2025.

  5. What is the 52 week high and low of CreditAccess Grameen Ltd (CREDITACC) share?

    The 52-week high of CreditAccess Grameen Ltd (CREDITACC) is ₹1354.80 and the 52-week low is ₹750.20.

  6. What is the PE and PB ratio of CreditAccess Grameen Ltd (CREDITACC) stock?

    The P/E (price-to-earnings) ratio of CreditAccess Grameen Ltd (CREDITACC) is 39.04. The P/B (price-to-book) ratio is 2.98.

  7. Which sector does CreditAccess Grameen Ltd (CREDITACC) belong to?

    CreditAccess Grameen Ltd (CREDITACC) belongs to the Financials sector & Consumer Finance sub-sector.

  8. How to buy CreditAccess Grameen Ltd (CREDITACC) shares?

    You can directly buy CreditAccess Grameen Ltd (CREDITACC) shares on Tickertape. Simply sign up, connect your demat account and place your order.