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CreditAccess Grameen Ltd

CreditAccess Grameen Ltd

CREDITACC Share Price

NSE
₹1,073.001.34% (+14.20)
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With a market cap of ₹17,228 cr, stock is ranked 408

Stock is 2.78x 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

Avg

Average profitability - not good, not bad

Entry point

Good

The stock is underpriced and is not in the overbought zone

Red flags

Low

No red flag found

How to use scorecard? Learn more

With a market cap of ₹17,228 cr, stock is ranked 408

Stock is 2.78x as volatile as Nifty

CREDITACC Performance & Key Metrics

CREDITACC Performance & Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
10.862.20—
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
16.082.101.25%

CREDITACC Analyst Ratings & Forecast

Detailed Forecast Detailed Forecast 
100%
Analysts have suggested that investors can buy this stock

from 16 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 

Oct 22, 2026

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
32.20
32.20
1Y Return
6.20%
6.20%
Buy Reco %
87.50
87.50
PE Ratio
21.33
21.33
1Y Return
13.41%
13.41%
Buy Reco %
91.18
91.18
PE Ratio
99.07
99.07
1Y Return
26.86%
26.86%
Buy Reco %
100.00
100.00
PE Ratio
29.20
29.20
1Y Return
2.51%
2.51%
Buy Reco %
92.86
92.86
PE Ratio
27.17
27.17
1Y Return
5.36%
5.36%
Buy Reco %
87.50
87.50
Compare with Peers

CREDITACC Sentiment Analysis

CREDITACC Sentiment Analysis

New
Crisp summary & key insights to decode earnings calls instantly

CREDITACC Stock Summary · May 2026

A decisive recovery and institutional resilience underpinned the quarter, with Q4 disbursements reaching INR 8,313 crore (+44.1% QoQ) and AUM expanding 14.0% YoY. Management framed the results as validation of their growth strategy — scaling retail (retail share rose to 18.1% and is targeted at ~24–25% by end‑FY27), broadening funding via foreign borrowings, accelerating digital adoption and strengthening collections and controls — while maintaining a well‑capitalized balance sheet (capital adequacy 24.4%). They acknowledged clear tensions: strong volume and operating‑leverage gains (Q4 PPOP INR 780 crore; cost‑to‑income improved to 30.4%) have been accompanied by elevated credit costs (FY26 credit cost 6.74%), substantial write‑offs (491k) and an evolving forward‑looking ECL framework (Stage‑1 ECL 1.63% and incremental provisions). Margin dynamics improved in Q4 but management guided FY27 NIM lower (12.8–13.2%) as pricing actions are phased in, and they widened credit‑cost guidance to 3–4% to reflect model evolution and external risks; FY27 targets also include AUM growth 20–25%, cost‑income 33–35%, ROA 4.0–4.8% and ROE 16.0–20.0%.

CREDITACC Stock Growth Drivers
CREDITACC Stock Growth Drivers
7
  • Robust near-term profitability and operating efficiency

    Q4 FY26 delivered a marked improvement in core profitability and operating leverage, with PPOP rising

  • Strong loan origination, AUM growth and borrower acquisition with retail mix expansion

    The company achieved significant scale in originations and customer additions: Q4 disbursements rose to INR

CREDITACC Stock Challenges
CREDITACC Stock Challenges
5
  • Elevated credit costs and conservative provisioning drove near-term profit shortfalls

    The company recorded full-year credit cost of 6.74% versus prior guidance of 5.5–6.0%, driven largely

  • Provisioning and credit-cost outlook remains volatile and uncertain

    Management has implemented an evolving forward‑looking ECL model (Stage 1 ECL increased to 1.63%) and

CREDITACC Forecast

CREDITACC Forecasts

Price

Revenue

Earnings

CREDITACC

CREDITACC

Income

Balance Sheet

Cash Flow

CREDITACC Income Statement

CREDITACC Income Statement

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Quarterjun 2024sep 2024dec 2024mar 2025jun 2025sep 2025dec 2025mar 2026jun 2026sep 2026
Total Revenue1,512.581,453.921,381.931,407.711,463.631,509.021,491.311,598.581,784.411,904.80
Operating & Other expensessubtract963.491,184.741,495.331,341.471,367.291,324.061,137.011,137.891,108.171,217.19
Depreciation/Amortizationsubtract14.3517.1915.5315.1615.2215.8016.3815.6916.2116.66
Interest & Other Itemssubtract0.000.000.000.000.000.000.000.000.000.00
Taxes & Other Itemssubtract137.0865.93-29.413.8720.9343.3585.83105.45166.64169.38
EPS24.9511.67-6.242.963.777.8715.7621.2030.7931.27

CREDITACC Company Updates

Annual Report and Investor Presentation updates mentioned here are as reported by the company to the exchange
FY 2027FY 2027

Annual Report Pending

Investor Presentation

Oct 22PDF
Jul 24PDF
FY 2026FY 2026

Annual report

PDF

Investor Presentation

May 8PDF
Jan 20PDF
Oct 28PDF
Jul 22PDF
FY 2025FY 2025

Annual report

PDF

Investor Presentation

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

Annual report

PDF
FY 2023FY 2023

Annual report

PDF
FY 2022FY 2022

Annual report

PDF
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 Ltd22.152.20—
Bajaj Finance Ltd32.205.290.60%
Shriram Finance Limited21.333.240.95%
Jio Financial Services Limited99.071.140.25%
ScreenerCompare valuation on Screener

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

Decreased 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 decreased by 2.41%

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 1.24%

Tickertape Separator

CREDITACC Shareholding Pattern

CREDITACC Shareholding Pattern

Retail and OthersForeign InstitutionsOther Domestic InstitutionsMutual FundsTotal Promoter Holding63.83%11.31%2.45%14.73%7.68%

Dec 2025

Mar 2026

Jun 2026

Sep 2026

CREDITACC Shareholding History

CREDITACC Shareholding History

JunSepDec '25MarJunSep12.13%12.29%11.68%12.94%13.48%14.73%

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)
1.5232%1.35%-0.36%23/114 (-14)
1.2740%0.71%-0.07%50/141 (+1)
0.9130%0.83%-0.17%14/183 (-2)

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.
7.38%
7.38%
CAGR
7.26%
Banking Privately Theme

Banking Privately Theme

Created by Windmill Capital

CREDITACC's Wtg.
6.10%
6.10%
CAGR
6.35%

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
Corporate
CreditAccess Grameen Limited allotted shares to employees under its 2011 stock option plan

CreditAccess Grameen Limited announced the allotment of 6,484 equity shares of Rs 10 each to 10 employees on November 4, 2026, under the company’s Employees Stock Option Plan – 2011, according to a filing with the BSE Limited and National Stock Exchange of India Limited.

11 hours agoCapital Market - Live
Earnings
Earnings
CreditAccess Grameen Ltd consolidated sales up 6.74% on year in Q3FY2026

CreditAccess Grameen Ltd share price slipped 4.71% to Rs 1089.65. The Company's net profit inched up 1.66% to Rs 501.57 crore, while revenue from operations slightly gained 6.74% to Rs 1903.74 crore in Q3FY26 over Q2FY26. The market capitalization of Microfinance Institutions industry group stocks on BSE stood at Rs 38196.87 crore, declining 0.39%. It has declined by 12.20% over last one week and collapsed sharply by 28.88% in last one month while the market capitalization of CreditAccess Grameen Ltd has reduced by 11.68% and 28.06% in the same period respectively. Profit before tax (PBT) of CreditAccess Grameen Ltd stood at Rs 670.95 crore in Q3 FY26, surging by 296.64% year-on-year, and gaining 1.65% quarter-on-quarter. EBITDA came in at Rs 685 crore, rallying 273.32% YoY and easing 1.64% sequentially. Total expenses saw a slight increase of 9.74% to Rs 1233.85 crore in Q3FY26 over Q3FY25. During the quarter, employee benefits expense was at Rs 254.48 crore, inching up 5.15% YoY. For the TTM ended FY26, revenue from operations grew marginally by 5.33% to Rs 6058.92 crore, while net profit jumped 46.34% to Rs 777.64 crore, compared to previous TTM. EBITDA jumped by 76333% to Rs 1089.04 crore, and PBT surged 45.75% to Rs 1033.2 crore compared to previous TTM. CreditAccess Grameen Ltd crashed 18.64% in last one year, underperforming the benchmark BSE Sensex which has reduced by 13.37% during the same period.

1 week agoCapital Market - Live
Earnings
Earnings
CreditAccess Grameen Ltd consolidated sales up 6.74% on year in Q3FY2026

CreditAccess Grameen Ltd share price retreated by 6.77% to Rs 1143.5. The Company's net profit grew slightly 1.66% to Rs 501.57 crore, while revenue from operations slightly gained 6.74% to Rs 1903.74 crore in Q3FY26 over Q2FY26. The market capitalization of Microfinance Institutions industry group stocks on BSE stood at Rs 38196.87 crore, slipping 0.39%. It has declined by 10.11% over last one week and tumbled 26.09% in last one month while the market capitalization of CreditAccess Grameen Ltd has slipped by 9.48% and 24.51% in the same period respectively. Profit before tax (PBT) of CreditAccess Grameen Ltd stood at Rs 670.95 crore in Q3 FY26, jumping 296.64% year-on-year, and gaining 1.65% quarter-on-quarter. EBITDA came in at Rs 685 crore, rallying 273.32% YoY and easing 1.64% sequentially. Total expenses saw a slight increase of 9.74% to Rs 1233.85 crore in Q3FY26 over Q3FY25. During the quarter, employee benefits expense was at Rs 254.48 crore, ticking higher by 5.15% YoY. For the TTM ended FY26, revenue from operations posted a slight growth of 5.33% to Rs 6058.92 crore, while net profit soared by 46.34% to Rs 777.64 crore, compared to previous TTM. EBITDA witnessed a strong improvement of 76333% to Rs 1089.04 crore, and PBT witnessed a strong rise of 45.75% to Rs 1033.2 crore compared to previous TTM. CreditAccess Grameen Ltd nosedived by 11.73% in last one year, performing in line with the benchmark BSE Sensex which has declined by 12.69% during the same period.

1 week agoCapital Market - Live
Corporate
Corporate
CreditAccess Grameen Limited allotted shares to employees under its 2011 stock option plan

CreditAccess Grameen Limited announced the allotment of 14,575 equity shares of Rs 10 each to 7 employees on October 20, 2026, under the company’s Employees Stock Option Plan – 2011, according to a filing with the Bombay Stock Exchange and National Stock Exchange of India. The allotment included 11,050 equity shares to Mr. Ganesh Narayanan, Managing Director & CEO.

2 weeks agoCapital Market - Live
Corporate
Corporate
CreditAccess Grameen Limited’s board will meet October 22 to review financial results

CreditAccess Grameen Limited will hold a board meeting on Thursday, October 22, 2026, to consider and approve the unaudited financial results for the quarter and half year ended September 30, 2026, as previously announced on September 28, 2026; the trading window for company insiders remains closed from October 1, 2026, until 48 hours after the results are declared.

3 weeks agoCapital Market - Live
Corporate
Corporate
CreditAccess Grameen reports securities details to Indian exchanges, complying with SEBI regulations

CreditAccess Grameen Limited, through its Registrar KFin Technologies Limited, confirmed the details of dematerialized and rematerialized securities for the quarter ended September 30, 2026, have been furnished to the Bombay Stock Exchange and the National Stock Exchange of India Limited, as per Regulation 74(5) of the SEBI (Depositories & Participants) Regulations, 2018.

3 weeks agoCapital Market - Live
Corporate
Corporate
CreditAccess Grameen Limited allotted shares to employees under its 2011 stock option plan

CreditAccess Grameen Limited announced the allotment of 19,360 equity shares of Rs 10 each to 22 employees on October 6, 2026, under the company’s Employees Stock Option Plan – 2011, according to a filing with the Bombay Stock Exchange and National Stock Exchange of India.

4 weeks agoCapital Market - Live
Corporate
Corporate
CreditAccess Grameen Limited allotted Rs 215 crore in debentures maturing September 2028

CreditAccess Grameen Limited announced that its Executive, Borrowings & Investment Committee approved the allotment of 21,500 senior, secured, rated, listed, redeemable, transferable, taxable, non-convertible debentures with a face value of Rs 100,000 each, totaling Rs 215 crore, on a private placement basis. The debentures, maturing on September 30, 2028, carry a coupon rate of 9.15% per annum and are proposed to be listed on the Wholesale Debt Market segment of BSE Limited.

1 month agoCapital Market - Live
Corporate
Corporate
CreditAccess Grameen closes trading window for insiders ahead of financial results release

CreditAccess Grameen Limited informed the Bombay Stock Exchange and National Stock Exchange of India that the trading window for dealing in securities of the company will be closed for designated persons and their immediate relatives from October 1, 2026, until 48 hours after the publication of unaudited financial results for the quarter and half year ending September 30, 2026.

1 month agoCapital Market - Live
Corporate
Corporate
CreditAccess Grameen allocates shares to employees under its 2011 stock option plan

CreditAccess Grameen Limited announced the allotment of 33,689 equity shares of Rs 10 each to 18 employees who exercised options under the CAGL Employees Stock Option Plan – 2011, according to a filing with the BSE Limited and National Stock Exchange of India Limited on September 18, 2026.

1 month agoCapital Market - Live

Frequently asked questions

  1. The share price of CREDITACC as on 4th November 2026 is ₹1073. The stock prices are volatile and keep changing through the day depending upon various factors and market conditions.

  2. The past returns of CreditAccess Grameen Ltd (CREDITACC) share are
    • Past 1 week: 5.71%
    • Past 1 month: -14.18%
    • Past 3 months: -31.40%
    • Past 6 months: -19.07%
    • Past 1 year: -22.45%
    • Past 3 years: -35.98%
    • Past 5 years: 67.27%

  3. 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 ₹17228.45 Cr as of 4th November 2026.

  4. The 52-week high of CreditAccess Grameen Ltd (CREDITACC) is ₹1634 and the 52-week low is ₹993.90.

  5. The P/E (price-to-earnings) ratio of CreditAccess Grameen Ltd (CREDITACC) is 22.15. The P/B (price-to-book) ratio is 2.20.

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

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