CreditAccess Grameen Ltd. (CREDITACC) AI Stock Analysis

• Market Cap: ₹227.51B
• Dividend Yield: 0.68%
• Average Volume (3M): 10.87K
• Price to Earnings (P/E): 117.1
• Beta (1Y): 1.00
• Revenue Growth: 0.75%
• EPS Growth: -90.03%
• Country: IN
• Employees: 19,395
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 7.85
• Shares Outstanding: 159,903,050
• 10 Day Avg. Volume: 9,672
• 30 Day Avg. Volume: 10,870
• PEG Ratio: -0.46
• Price to Book (P/B): 2.22
• Price to Sales (P/S): 2.70
• P/FCF Ratio: 14.07
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 54 Neutral
• Price Target: ₹1,451.00 ▲(3.52% Upside)

The overall stock score of 54 reflects mixed financial performance with healthy profitability margins but significant challenges in revenue growth and cash flow management. Technical analysis shows a positive trend, but valuation concerns arise from a high P/E ratio and low dividend yield. The absence of earnings call data and corporate events limits further insights.

CreditAccess Grameen Ltd. Business Overview & Revenue Model

Company Description

CreditAccess Grameen Limited, a non-banking financial company, provides micro finance services for women from poor and low income households in India. The company offers microcredit loans for income generation, home improvement, emergency, family welfare, and Grameen Suraksha, as well as life insurance and national pension scheme. It also provides retail finance loans, such as Grameen Unnati, Grameen Udyog, Grameen Savaari, Grameen Vikas, Grameen Suvidha, and Grameen Swarna. As of March 31, 2022, the company operated 1,635 branches. The company was formerly known as Grameen Koota Financial Services Private Limited and changed its name to CreditAccess Grameen Limited in January 2018. CreditAccess Grameen Limited was incorporated in 1991 and is headquartered in Bengaluru, India. CreditAccess Grameen Limited is a subsidiary of CreditAccess India NV.

How the Company Makes Money

CreditAccess Grameen Ltd. makes money primarily through the interest earned on the microloans it provides to its clients. The company extends small loans to individuals, often women, in rural and semi-urban areas who do not have access to traditional banking services. These loans are typically used for income-generating activities, such as agriculture, trade, and small businesses. The revenue model is centered on earning interest income from these loans, which form the bulk of the company's earnings. CreditAccess Grameen Ltd. also focuses on maintaining high collection efficiency and low default rates to ensure profitability. The company may also benefit from partnerships with financial institutions and government programs aimed at promoting financial inclusion, as well as securing funding from international development organizations that support microfinance initiatives.

CreditAccess Grameen Ltd. Financial Statement Overview

Summary

CreditAccess Grameen Ltd. shows mixed financial performance with healthy profitability margins but declining revenue and negative cash flows. High leverage and cash flow issues present risks, though there's improvement in the equity ratio.

Income Statement

CreditAccess Grameen Ltd. has demonstrated fluctuating revenue growth over the years, with recent declines in total revenue from 2024 to 2025. Gross and net profit margins have been positive, reflecting profitability despite revenue drops. The EBIT and EBITDA margins are strong, indicating efficient operational performance. However, the decline in revenue growth is a concern for long-term growth prospects.

Balance Sheet

The company's balance sheet shows a high debt-to-equity ratio, indicating potential leverage risks. However, the equity ratio has shown improvement, suggesting strengthening equity position. Return on equity is moderate, reflecting reasonable returns to shareholders but could be improved. The high level of total debt remains a key risk factor.

Cash Flow

Cash flow analysis reveals significant challenges, with negative free cash flow in most years. The operating cash flow to net income ratio is poor, indicating issues with cash generation relative to net income. The company's ability to maintain positive cash flow from operations is critical for future financial stability and requires attention.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	56.24B	57.27B	51.25B	34.93B	26.76B	24.50B
Gross Profit	30.86B	56.64B	50.70B	34.41B	26.26B	24.03B
EBITDA	25.57B	27.50B	22.08B	23.80B	15.25B	11.66B
Net Income	1.94B	5.31B	14.46B	8.26B	3.53B	1.34B
Balance Sheet
Total Assets	275.77B	278.02B	288.46B	218.58B	173.95B	150.59B
Cash, Cash Equivalents and Short-Term Investments	11.95B	22.92B	26.42B	20.41B	16.80B	24.67B
Total Debt	201.78B	205.53B	218.41B	163.12B	130.06B	110.17B
Total Liabilities	205.56B	208.46B	222.76B	167.51B	133.19B	112.63B
Stockholders Equity	70.22B	69.56B	65.70B	51.07B	41.67B	36.92B
Cash Flow
Free Cash Flow	0.00	10.99B	-47.54B	-33.07B	-27.42B	-4.69B
Operating Cash Flow	0.00	11.25B	-47.34B	-32.90B	-27.14B	-4.55B
Investing Cash Flow	0.00	7.08B	-9.94B	-3.14B	-329.60M	235.30M
Financing Cash Flow	0.00	-16.69B	54.94B	33.65B	19.68B	21.46B

CreditAccess Grameen Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1401.65
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:CREDITACC, the sentiment is Positive. The current price of 1401.65 is above the 20-day moving average (MA) of 1381.40, above the 50-day MA of 1367.20, and above the 200-day MA of 1168.30, indicating a bullish trend. The MACD of 14.98 indicates Negative momentum. The RSI at 53.15 is Neutral, neither overbought nor oversold. The STOCH value of 82.26 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:CREDITACC.

CreditAccess Grameen Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FIVESTAR	―	₹156.66B	14.23	―	0.37%	25.49%	19.81%
IIFL	―	₹211.62B	65.29	―	―	2.65%	-81.55%
CGCL	―	₹184.63B	27.70	―	0.10%	39.82%	96.14%
MANAPPURAM	―	₹236.96B	29.62	―	1.08%	4.83%	-64.41%
CREDITACC	―	₹227.51B	117.07	―	0.68%	0.75%	-90.03%
SPANDANA	―	₹21.43B	26.37	―	―	-26.77%	-431.45%

CreditAccess Grameen Ltd. Corporate Events

CreditAccess Grameen Ltd. Allots 11,250 ESOP Shares to Employees

CreditAccess Grameen Ltd. has announced the allotment of 11,250 equity shares to five employees under its Employees Stock Option Plan – 2011. This move reflects the company’s commitment to employee ownership and aligns with its strategy to incentivize and retain talent, potentially enhancing its operational efficiency and market competitiveness.

CreditAccess Grameen Ltd. Schedules Q2 FY26 Earnings Call

CreditAccess Grameen Ltd. has announced a conference call for investors and analysts to discuss its Q2 FY26 financial results. The call, hosted by Motilal Oswal Financial Services Ltd., is scheduled for October 28, 2025, and will feature key company executives. This event underscores the company’s commitment to transparency and engagement with stakeholders, potentially impacting investor confidence and market perception.

CreditAccess Grameen Ltd. Announces Investor Meeting Schedule

CreditAccess Grameen Ltd. has announced a schedule for upcoming investor meetings, which are set to take place with Elara Securities and HSBC Securities on October 9, 2025. These meetings, part of the company’s ongoing investor engagement efforts, are crucial for maintaining transparency and fostering relationships with key financial stakeholders, potentially impacting the company’s market perception and investor confidence.

CreditAccess Grameen Schedules Investor Meeting with Muddy Waters Asia

CreditAccess Grameen Ltd. has announced a scheduled investor meeting with Muddy Waters Asia, set to take place on September 25, 2025. This one-on-one meeting, conducted physically, indicates the company’s ongoing efforts to engage with investors and stakeholders, potentially impacting its market positioning and investor relations.

CreditAccess Grameen Schedules Investor Meeting with Ambit Capital

CreditAccess Grameen Ltd. has announced a scheduled investor meeting with Ambit Capital, set to take place on September 18, 2025. This one-on-one meeting, conducted physically, is part of the company’s ongoing efforts to engage with investors and provide updates on its operations and strategic initiatives.