CreditAccess Grameen Ltd. (IN:CREDITACC)
:CREDITACC
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CREDITACC Stock Chart & Stats
₹1332.70
-₹28.45(-2.76%)
At close: 4:00 PM EST
₹1332.70
-₹28.45(-2.76%)
Day’s Range― - ―
52-Week Range₹1,101.00 - ₹1,566.00
Previous CloseN/A
Volume2.99M
Average Volume (3M)10.87K
Market Cap
₹225.19B
Enterprise Value₹453.01B
Total Cash (Recent Filing)₹9.37B
Total Debt (Recent Filing)₹201.03B
Price to Earnings (P/E)29.2
Beta1.08
Next Earnings
Jul 23, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield0.77%
Share Statistics
EPS (TTM)8.36
Shares Outstanding160,232,540
10 Day Avg. Volume9,672
30 Day Avg. Volume10,870
Financial Highlights & Ratios
PEG Ratio0.52
Price to Book (P/B)2.36
Price to Sales (P/S)3.08
P/FCF Ratio6.82
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)95.54
Revenue Forecast (FY)₹49.12B
Bulls Say, Bears Say
Bulls Say
Consistent Revenue GrowthSustained top-line expansion demonstrates continued demand for the company's microfinance loans across its markets. Over 2–6 months this supports earnings resilience, provides scale benefits for branch and field productivity, and gives room to absorb credit costs while funding measured growth.
Improving Cash GenerationA sustained shift to positive operating and free cash flow improves financial flexibility: it enables debt paydown, internal funding for growth, and reduced reliance on external capital. If maintained, stronger cash conversion makes earnings more durable across credit cycles.
Niche Microfinance FranchiseA specialized rural and semi-urban microfinance franchise with group-lending builds persistent customer relationships, high repeat borrowing and collection mechanics. Structural demand for small-ticket credit in underserved areas supports long-term organic growth and competitive moat in target segments.
Bears Say
Elevated LeverageHigh debt relative to equity increases vulnerability to funding shocks and rate rises. Over the medium term, leverage constrains capital allocation, forces higher interest obligations, and can magnify earnings volatility if asset quality deteriorates or funding costs climb.
Uneven Earnings And Cash Flow HistoryIrregular profitability and a history of negative cash flow before 2025 raise questions about consistency. Durable forecasting and investor confidence depend on sustained cash conversion; intermittent swings imply higher provisioning risk and make capital planning and dividend or buyback policies less predictable.
Sensitivity To Funding And Credit ConditionsThe business relies on external funding to grow loans; elevated leverage plus reliance on market or bank funding means rising rates or tighter liquidity can compress net interest margin and slow disbursements. This structural exposure can weaken profitability and limit expansion options.
CreditAccess Grameen Ltd. News
CREDITACC FAQ
What was CreditAccess Grameen Ltd.’s price range in the past 12 months?
CreditAccess Grameen Ltd. lowest stock price was ₹1101.00 and its highest was ₹1566.00 in the past 12 months.
What is CreditAccess Grameen Ltd.’s market cap?
CreditAccess Grameen Ltd.’s market cap is ₹225.19B.
When is CreditAccess Grameen Ltd.’s upcoming earnings report date?
CreditAccess Grameen Ltd.’s upcoming earnings report date is Jul 23, 2026 which is in 30 days.
How were CreditAccess Grameen Ltd.’s earnings last quarter?
CreditAccess Grameen Ltd. released its earnings results on May 08, 2026. The company reported ₹21.11 earnings per share for the quarter, beating the consensus estimate of ₹19.033 by ₹2.077.
Is CreditAccess Grameen Ltd. overvalued?
According to Wall Street analysts CreditAccess Grameen Ltd.’s price is currently Overvalued.
Does CreditAccess Grameen Ltd. pay dividends?
CreditAccess Grameen Ltd. pays a Notavailable dividend of ₹10 which represents an annual dividend yield of 0.77%. See more information on CreditAccess Grameen Ltd. dividends here
What is CreditAccess Grameen Ltd.’s EPS estimate?
CreditAccess Grameen Ltd.’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does CreditAccess Grameen Ltd. have?
CreditAccess Grameen Ltd. has 160,232,540 shares outstanding.
What happened to CreditAccess Grameen Ltd.’s price movement after its last earnings report?
CreditAccess Grameen Ltd. reported an EPS of ₹21.11 in its last earnings report, beating expectations of ₹19.033. Following the earnings report the stock price went up 0.517%.
Which hedge fund is a major shareholder of CreditAccess Grameen Ltd.?
Currently, no hedge funds are holding shares in IN:CREDITACC
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
CreditAccess Grameen Ltd.
Operating as a non-banking financial institution, CreditAccess Grameen Limited delivers microfinance solutions primarily to women from economically disadvantaged backgrounds across India. Its offerings encompass a variety of microcredit products tailored for income-generating activities, home improvements, emergency needs, and family well-being, including Grameen Suraksha. Beyond lending, it also facilitates access to life insurance and the national pension scheme. Additionally, the company extends retail financing options, specifically under the brands Grameen Unnati, Grameen Udyog, Grameen Savaari, Grameen Vikas, Grameen Suvidha, and Grameen Swarna. By March 31, 2022, its operational footprint encompassed 1,635 branches. Initially established in 1991 as Grameen Koota Financial Services Private Limited, the organization adopted its current name, CreditAccess Grameen Limited, in January 2018. Headquartered in Bengaluru, India, it functions as a subsidiary of CreditAccess India NV.
Technical Analysis
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