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CreditAccess Grameen Ltd

CREDITACC

CreditAccess Grameen Ltd

CREDITACC
FinancialsConsumer Finance
SmallcapWith a market cap of ₹23,434 cr, stock is ranked 266
High RiskStock is 3.44x as volatile as Nifty
1,460.000.71% (-10.40)
1,460.000.71% (-10.40)

Price Chart

High
Low
Returns
1D
1W
1M
1Y
5Y
Max
SIP
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1D
1W
1M
1Y
5Y
Max
SIP
FinancialsConsumer Finance
SmallcapWith a market cap of ₹23,434 cr, stock is ranked 266
High RiskStock is 3.44x as volatile as Nifty
Scorecard

Performance

Avg

Price return has been average, nothing exciting

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

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

FinancialsConsumer Finance
SmallcapWith a market cap of ₹23,434 cr, stock is ranked 266
High RiskStock is 3.44x as volatile as Nifty

Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
17.424.59
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
20.632.800.84%

Forecast & Ratings

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

from 16 analysts

Price

Price Upside

Earnings

Earnings Growth

Revenue

Rev. Growth

See Detailed Forecast

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 

Jul 21, 2023

PDF
View Older Presentations

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Forecasts

Price

Revenue

Earnings

Income

Balance Sheet

Cash Flow

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 32.44%, vs industry avg of 14.81%

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 0.97% to 2.16%

Higher 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 31.2%, vs industry avg of 22.78%

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Financial YearFY 2015FY 2016FY 2017FY 2018FY 2019FY 2020FY 2021FY 2022FY 2023TTM
Total Revenue281.43466.72709.26871.531,283.321,705.482,466.072,750.133,550.794,779.78
Raw Materialssubtract2,922.63
Power & Fuel Costsubtract
Employee Costsubtract43.6470.67104.69130.44186.05262.05379.99437.66515.24
Selling & Administrative Expensessubtract88.18125.95136.93180.30238.87
Operating & Other expensessubtract160.94263.90475.84407.70503.56835.511,724.681,604.151,641.42
Depreciation/Amortizationsubtract1.922.614.435.177.7920.3744.0747.2349.8449.89
Interest & Other Itemssubtract
Taxes & Other Itemssubtract26.1946.3144.00115.74175.98128.0546.38127.72279.36461.85
EPS7.7411.4110.1219.8523.6623.208.9522.6752.4984.67
DPS0.000.000.000.000.000.000.000.000.000.00
Payout ratio0.000.000.000.000.000.000.000.000.000.00

Company Updates

Annual Report and Investor Presentation updates mentioned here are as reported by the company to the exchange
FY 2021

Annual report

PDF

Investor Presentation

May 6PDF
FY 2022

Annual report

PDF

Investor Presentation

May 12PDF
Feb 5PDF
Nov 9PDF
Aug 11PDF
FY 2023

Annual report

PDF

Investor Presentation

May 16PDF
Feb 7PDF
Oct 21PDF
Jul 30PDF
FY 2024

Annual Report Pending

Investor Presentation

Jul 21PDF
 

Peers & Comparison

Comparing 3 stocks from 
FinancialsConsumer Finance

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StockPE RatioPE RatioPB RatioPB RatioDiv. YieldDividend Yield
CreditAccess Grameen Ltd28.374.59
Bajaj Finance Ltd38.048.050.41%
Jio Financial Services Ltd7,203.101.97
Cholamandalam Investment and Finance Company Ltd36.626.800.17%

Price Comparison

Compare CREDITACC with any stock or ETF
Compare CREDITACC with any stock or ETF
CREDITACC
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Shareholdings

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

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

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 almost stayed constant

Tickertape Separator

Shareholding Pattern

Retail and OthersForeign InstitutionsOther Domestic InstitutionsMutual FundsTotal Promoter Holding66.58%13.98%1.78%11.65%6.01%

Jun 2023

Sep 2023

Dec 2023

Mar 2024

Shareholding History

Dec '22MarJunSepDec '23Mar9.60%9.67%9.56%11.46%12.00%11.65%

Mutual Funds Holding Trend

Mutual Fund Holding

Increasing Mutual Fund holdings are generally considered good, as it reflects that fund managers are becoming more bullish about the stock

In last 3 months, mutual fund holding of the company has almost stayed constant

Top 5 Mutual Funds holding CreditAccess Grameen Ltd




Funds (Top 5)Market-cap heldWeight3M holding changePortfolio rank
(3M change)
Nippon India SMALL CAP FUND DIRECT PLAN GROWTH PLAN GROWTH

Growth
1.2820%0.66%-0.53%25/218 (-15)
Canara Robeco Emerging Equities - Growth - Direct Plan

Growth
1.2263%1.38%0.02%54/82 (-3)
Axis Small Cap Fund - Growth - Direct Plan

Growth
1.1261%1.39%-0.18%83/122 (-65)

Compare 3-month MF holding change on Screener

Insider Trades & Bulk Deals

Hmm, looks like there hasn't been any net deal activity in the last 6 months

smallcases

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

Dividends are the portion of earnings that a company distributes to all its shareholders every year

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 time