CreditAccess Grameen Ltd
CREDITACCCreditAccess Grameen Ltd
CREDITACC
Price Chart
Scorecard
Performance
AvgPrice return has been average, nothing exciting
Valuation
HighSeems to be overvalued vs the market average
Growth
LowLagging behind the market in financials growth
Profitability
AvgAverage profitability - not good, not bad
Entry point
AvgThe stock is overpriced but is not in the overbought zone
Red flags
LowNo red flag found
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Key Metrics
| No LabelNo Label | PB RatioPB Ratio | Dividend YieldDiv. Yield |
|---|---|---|
| 22.66 | 5.34 | — |
| Sector PESector PE | Sector PBSector PB | Sector Div YldSctr Div Yld |
|---|---|---|
| 18.82 | 2.55 | 0.92% |
Forecast & Ratings
Detailed Forecastfrom 16 analysts
Price
Price Upside
Earnings
Earnings Growth
Revenue
Rev. Growth
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 olderPeers
Compare with peersBajaj Finance Ltd
Jio Financial Services Ltd
Cholamandalam Investment and Finance Company Ltd
Shriram Finance Ltd
Muthoot Finance Ltd
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Forecasts
Price
Revenue
Earnings
Price Forecast
All values in ₹
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Revenue Forecast
All values in ₹ Thousand cr.
All values in ₹ Thousand cr.
Earnings Per Share Forecast
All values in ₹
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Income
Balance Sheet
Cash Flow
Income Statement
| Financial Year | FY 2015 | FY 2016 | FY 2017 | FY 2018 | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | TTM | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 281.43 | 466.72 | 709.26 | 871.53 | 1,283.32 | 1,705.48 | 2,466.07 | 2,750.13 | 3,550.79 | 4,394.27 | ||||||||||
Raw Materials | — | — | — | — | — | — | — | — | — | 2,723.11 | ||||||||||
| Power & Fuel Cost | — | — | — | — | — | — | — | — | — | |||||||||||
| Employee Cost | 43.64 | 70.67 | 104.69 | 130.44 | 186.05 | 262.05 | 379.99 | 437.66 | 515.24 | |||||||||||
| Selling & Administrative Expenses | — | — | — | — | 88.18 | 125.95 | 136.93 | 180.30 | 238.87 | |||||||||||
| Operating & Other expenses | 160.94 | 263.90 | 475.84 | 407.70 | 503.56 | 835.51 | 1,724.68 | 1,604.15 | 1,641.42 | |||||||||||
EBITDA | 76.85 | 132.15 | 128.73 | 333.39 | 505.53 | 481.97 | 224.47 | 528.02 | 1,155.26 | 1,671.16 | ||||||||||
| Depreciation/Amortization | 1.92 | 2.61 | 4.43 | 5.17 | 7.79 | 20.37 | 44.07 | 47.23 | 49.84 | 49.44 | ||||||||||
| PBIT | 74.93 | 129.54 | 124.30 | 328.22 | 497.74 | 461.60 | 180.40 | 480.79 | 1,105.42 | 1,621.72 | ||||||||||
| Interest & Other Items | — | — | — | — | — | — | — | — | — | — | ||||||||||
| PBT | 74.93 | 129.54 | 124.30 | 328.22 | 497.74 | 461.60 | 180.40 | 480.79 | 1,105.42 | 1,621.72 | ||||||||||
| Taxes & Other Items | 26.19 | 46.31 | 44.00 | 115.74 | 175.98 | 128.05 | 46.38 | 127.72 | 279.36 | 417.49 | ||||||||||
| Net Income | 48.74 | 83.23 | 80.30 | 212.48 | 321.76 | 333.55 | 134.02 | 353.07 | 826.06 | 1,204.23 | ||||||||||
| EPS | 7.74 | 11.41 | 10.12 | 19.85 | 23.66 | 23.20 | 8.95 | 22.67 | 52.49 | 75.78 | ||||||||||
| DPS | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | ||||||||||
| Payout ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Company Updates
Peers & Comparison
FinancialsConsumer Finance
Valuation
Technical
Forecast
Compare valuation on Screener| Stock | PE RatioPE Ratio | PB RatioPB Ratio | Div. YieldDividend Yield |
|---|---|---|---|
| CreditAccess Grameen Ltd | 33.04 | 5.34 | — |
| Bajaj Finance Ltd | 39.66 | 8.39 | 0.40% |
| Jio Financial Services Ltd | 5,065.35 | 1.39 | — |
| Cholamandalam Investment and Finance Company Ltd | 35.83 | 6.66 | 0.17% |
Price Comparison
Compare CREDITACC with any stock or ETFShareholdings
Promoter Holdings Trend
Decreased Total Promoter Holding
In last 6 months, promoter holding in the company has decreased by 6.99%
Low Pledged Promoter Holding
Pledged promoter holdings is insignificant
Institutional Holdings Trend
Total Retail Holding
In last 3 months, retail holding in the company has almost stayed constant
Increased Foreign Institutional Holding
In last 3 months, foreign institutional holding of the company has increased by 1.90%
Shareholding Pattern
Dec 2022
Mar 2023
Jun 2023
Sep 2023
Shareholding History
Mutual Funds Holding Trend
Increased Mutual Fund Holding
In last 3 months, mutual fund holding of the company has increased by 3.33%
Top 5 Mutual Funds holding CreditAccess Grameen Ltd
| Funds (Top 5) | The rupee value of the stock held by the fund divided by the stock’s market cap Market-cap held | Percentage of the fund’s portfolio invested in the stock Weight | Change in the portfolio weight of the stock over the last 3 months 3M holding change | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months Portfolio rank(3M change) |
|---|---|---|---|---|
Nippon India SMALL CAP FUND DIRECT PLAN GROWTH PLAN GROWTH Growth | The rupee value of the stock held by the fund divided by the stock’s market cap 2.1107% | Percentage of the fund’s portfolio invested in the stock 1.40% | Change in the portfolio weight of the stock over the last 3 months -0.12% | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months 6/215 (-1) |
AXIS SMALL CAP FUND - DIRECT PLAN GROWTH Growth | The rupee value of the stock held by the fund divided by the stock’s market cap 1.0715% | Percentage of the fund’s portfolio invested in the stock 1.79% | Change in the portfolio weight of the stock over the last 3 months 0.41% | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months 16/102 (+9) |
CANARA ROBECO AMC LTD-CANARA ROBECO MF-CANARA ROBECO EMERGING EQUITIES DIRECT PLAN GROWTH Growth | The rupee value of the stock held by the fund divided by the stock’s market cap 0.9709% | Percentage of the fund’s portfolio invested in the stock 1.51% | Change in the portfolio weight of the stock over the last 3 months 0.30% | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months 55/80 (0) |
Compare 3-month MF holding change on Screener
Hmm, looks like there hasn't been any net deal activity in the last 6 monthssmallcases
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
Events
Dividend Trend
No Dividends
CREDITACC has not given any dividends in last 5 years
Dividends
Corp. Actions
Announcements
Legal Orders
Dividends
Hmm, looks like data is unavailable here. Please come back after some timeNews & Opinions
News Video
Banking Results Shine In Q2, But Will The Sector Lose Its Sheen In Coming Quarters? | CNBC TV18
1 month ago•CNBC-TV18
MFI Income Analysis - Non-Core Revenue Contribution To RoAUM Stood Between 1-2% In FY23: ICICI Securities
3 months ago•Bloomberg Quint
In next 5 years, CreditAccess Grameen can grow 20-25% CAGR and Rs 50,000-crore AUM: MD
3 months ago•Economic Times
CreditAccess Grameen shares gain on board nod to raise up to Rs 1,000 crore
3 months ago•Moneycontrol
CreditAccess Grameen’s NCD tranche II to open on August 24, coupon rate up to 9.70%
3 months ago•Economic Times
CreditAccess Grameen to raise up to Rs 1000 crore via NCDs
3 months ago•Economic Times
CreditAccess Grameen appoints Ganesh Narayanan as CEO
4 months ago•The Hindu Businessline
Higher than Industry Revenue Growth
Over the last 5 years, revenue has grown at a yearly rate of 32.44%, vs industry avg of 14.81%
Increasing Market Share
Over the last 5 years, market share increased from 0.97% to 2.16%
Higher than Industry Net Income
Over the last 5 years, net income has grown at a yearly rate of 31.2%, vs industry avg of 22.78%