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CreditAccess Grameen Ltd.

Finance - NBFC - MFI

Rating :
54/99

BSE: 541770 | NSE: CREDITACC

NSE BSE
1237.80
08-Aug-2025
  • Open
  • High
  • Low
  • Previous Close
  •  1233.9
  •  1253.4
  •  1221
  •  1244.60
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  153500
  •  189382990.6
  •  1401.3
  •  750.2

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 19,766.37
  • 101.92
  • 10
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 38,868.78
  • N/A
  • 2.84

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 66.43%
  • 0.47%
  • 7.14%
  • FII
  • DII
  • Others
  • 12.13%
  • 12.33%
  • 1.50%

Chart

Price | P:E | P:BV | EV:EBITDA | MCap:Sales | EPS

Revenue CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 28.82
  • 18.51
  • 17.51

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 23.47
  • 18.75
  • 2.85

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 20.29
  • 31.72
  • -13.67

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • -
  • 25.81
  • 21.33

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • -
  • 3.22
  • 3.31

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • -
  • 14.14
  • 12.07

Earnings Forecasts:

(Updated: 06-06-2025)
Description
2024
2025
2026
2027
Adj EPS
90.88
33.27
54.99
88.92
P/E Ratio
13.62
37.20
22.51
13.92
Revenue
5173
5756
3929
4492
EBITDA
3723
2719
2815
3353
Net Income
1446
531
866
1399
ROA
5.7
1.9
3.4
4.8
P/B Ratio
3.00
2.84
2.52
2.11
ROE
24.77
7.86
14.05
19.14
FCFF
-4746
1099
FCFF Yield
-12.5
2.89
Net Debt
20634
19036
BVPS
412.23
435.51
491.54
587.27

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Jun 25
Jun 24
Var%
Mar 25
Mar 24
Var%
Dec 24
Dec 23
Var%
Sep 24
Sep 23
Var%
Net Sales
1,462.89
1,512.03
-3.25%
1,406.63
1,457.49
-3.49%
1,380.38
1,292.20
6.82%
1,453.29
1,246.94
16.55%
Expenses
885.13
453.18
95.32%
863.69
433.74
99.13%
1,020.46
365.10
179.50%
700.14
344.67
103.13%
EBITDA
577.76
1,058.85
-45.44%
542.94
1,023.75
-46.97%
359.92
927.10
-61.18%
753.15
902.27
-16.53%
EBIDTM
39.49%
70.03%
38.60%
70.24%
26.07%
71.75%
51.82%
72.36%
Other Income
0.74
0.55
34.55%
1.08
1.61
-32.92%
1.55
3.03
-48.84%
0.63
0.65
-3.08%
Interest
482.16
510.31
-5.52%
477.78
482.15
-0.91%
474.87
441.50
7.56%
484.60
423.87
14.33%
Depreciation
15.22
14.35
6.06%
15.16
13.75
10.25%
15.53
13.06
18.91%
17.19
12.28
39.98%
PBT
81.12
534.74
-84.83%
51.08
529.46
-90.35%
-128.93
475.57
-
251.99
466.77
-46.01%
Tax
20.93
137.08
-84.73%
3.87
132.38
-97.08%
-29.41
122.23
-
65.93
119.73
-44.93%
PAT
60.19
397.66
-84.86%
47.21
397.08
-88.11%
-99.52
353.34
-
186.06
347.04
-46.39%
PATM
4.11%
26.30%
3.36%
27.24%
-7.21%
27.34%
12.80%
27.83%
EPS
3.77
24.95
-84.89%
2.96
24.91
-88.12%
-6.24
22.20
-
11.67
21.81
-46.49%

Annual Results

Standalone Figures in Rs. Crores /

Consolidated
Description
TTM
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Net Sales
5,703.19
5,752.33
5,166.67
3,545.12
2,742.82
2,461.00
1,704.31
1,282.26
Net Sales Growth
3.53%
11.34%
45.74%
29.25%
11.45%
44.40%
32.91%
 
Cost Of Goods Sold
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Gross Profit
5,703.19
5,752.33
5,166.67
3,545.12
2,742.82
2,461.00
1,704.31
1,282.26
GP Margin
100.00%
100%
100%
100%
100%
100%
100%
100%
Total Expenditure
3,469.42
3,030.07
1,443.96
1,179.41
1,234.69
1,308.29
641.38
360.69
Power & Fuel Cost
-
7.15
6.68
5.43
4.23
3.47
2.82
1.96
% Of Sales
-
0.12%
0.13%
0.15%
0.15%
0.14%
0.17%
0.15%
Employee Cost
-
730.36
669.43
515.24
437.66
379.99
262.05
186.05
% Of Sales
-
12.70%
12.96%
14.53%
15.96%
15.44%
15.38%
14.51%
Manufacturing Exp.
-
123.90
103.97
82.26
62.34
45.92
29.50
23.91
% Of Sales
-
2.15%
2.01%
2.32%
2.27%
1.87%
1.73%
1.86%
General & Admin Exp.
-
217.95
201.18
165.65
117.97
91.01
96.45
64.27
% Of Sales
-
3.79%
3.89%
4.67%
4.30%
3.70%
5.66%
5.01%
Selling & Distn. Exp.
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
% Of Sales
-
0%
0%
0%
0%
0%
0%
0%
Miscellaneous Exp.
-
1,957.86
469.38
416.26
616.72
791.37
253.38
86.46
% Of Sales
-
34.04%
9.08%
11.74%
22.48%
32.16%
14.87%
6.74%
EBITDA
2,233.77
2,722.26
3,722.71
2,365.71
1,508.13
1,152.71
1,062.93
921.57
EBITDA Margin
39.17%
47.32%
72.05%
66.73%
54.98%
46.84%
62.37%
71.87%
Other Income
4.00
3.81
5.98
5.67
7.31
5.08
1.17
1.18
Interest
1,919.41
1,954.98
1,738.36
1,216.12
987.42
933.32
582.13
417.22
Depreciation
63.10
62.22
51.15
49.84
47.23
44.07
20.37
7.79
PBT
255.26
708.87
1,939.18
1,105.42
480.79
180.40
461.60
497.74
Tax
61.32
177.47
493.25
279.36
127.72
49.00
126.11
175.98
Tax Rate
24.02%
25.04%
25.44%
25.27%
26.56%
27.16%
27.32%
35.36%
PAT
193.94
531.40
1,445.93
826.06
353.07
134.02
333.55
321.76
PAT before Minority Interest
193.94
531.40
1,445.93
826.06
353.07
131.40
335.49
321.76
Minority Interest
0.00
0.00
0.00
0.00
0.00
2.62
-1.94
0.00
PAT Margin
3.40%
9.24%
27.99%
23.30%
12.87%
5.45%
19.57%
25.09%
PAT Growth
-87.03%
-63.25%
75.04%
133.96%
163.45%
-59.82%
3.66%
 
EPS
12.14
33.27
90.54
51.73
22.11
8.39
20.89
20.15

Results Balance Sheet

Standalone Figures in Rs. Crores /

Consolidated
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Shareholder's Funds
6,955.97
6,569.98
5,106.97
4,166.91
3,691.55
2,734.22
2,365.06
Share Capital
159.72
159.38
158.91
155.87
155.58
143.99
143.55
Total Reserves
6,746.99
6,379.43
4,928.65
3,999.32
3,527.45
2,581.62
2,212.72
Non-Current Liabilities
10,906.12
13,244.71
16,801.71
13,202.69
11,333.51
9,963.78
5,142.88
Secured Loans
9,972.60
11,945.24
16,009.67
12,710.17
10,652.06
9,436.64
4,829.50
Unsecured Loans
12.64
25.24
277.33
184.95
289.27
103.03
37.07
Long Term Provisions
1,186.76
1,323.35
528.84
462.96
496.27
481.55
319.45
Current Liabilities
11,117.30
10,219.97
624.68
595.61
390.36
201.10
121.37
Trade Payables
154.42
256.35
303.70
259.02
201.69
108.65
103.73
Other Current Liabilities
80.16
68.22
31.18
102.62
94.31
78.41
9.90
Short Term Borrowings
10,460.53
9,870.53
25.26
25.57
0.00
0.00
0.00
Short Term Provisions
422.19
24.87
264.54
208.40
94.36
14.04
7.74
Total Liabilities
28,979.39
30,034.66
22,533.36
17,965.21
15,520.25
13,008.05
7,629.31
Net Block
603.58
609.08
599.03
628.89
572.77
576.50
24.75
Gross Block
867.81
826.14
777.54
759.57
658.44
619.59
47.97
Accumulated Depreciation
264.23
217.06
178.51
130.68
85.67
43.09
23.22
Non Current Assets
26,187.41
27,194.34
20,218.81
15,903.69
12,816.12
12,221.20
6,959.75
Capital Work in Progress
3.50
4.54
3.94
3.07
0.62
2.84
2.36
Non Current Investment
0.70
0.54
0.54
0.54
0.54
45.56
0.20
Long Term Loans & Adv.
1,192.29
1,356.39
571.96
492.91
521.71
497.39
328.54
Other Non Current Assets
112.89
118.80
0.00
12.95
0.00
0.00
1.07
Current Assets
2,791.98
2,840.32
2,314.55
2,061.52
2,704.13
786.85
669.56
Current Investments
892.30
1,438.36
453.98
0.00
0.00
0.00
0.00
Inventories
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Sundry Debtors
0.00
0.00
0.00
0.00
0.00
0.22
0.09
Cash & Bank
1,343.36
1,222.01
1,436.43
1,761.39
2,484.38
717.64
615.55
Other Current Assets
556.32
179.95
165.81
86.08
219.75
68.99
53.92
Short Term Loans & Adv.
372.78
0.00
258.33
214.05
108.82
28.04
19.04
Net Current Assets
-8,325.32
-7,379.65
1,689.87
1,465.91
2,313.77
585.75
548.19
Total Assets
28,979.39
30,034.66
22,533.36
17,965.21
15,520.25
13,008.05
7,629.31

Cash Flow

Standalone Figures in Rs. Crores /

Consolidated
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Cash From Operating Activity
1,125.24
-4,733.78
-3,289.78
-2,713.47
-454.67
-2,252.64
-1,378.09
PBT
708.87
1,939.18
1,105.42
480.79
180.40
461.60
497.74
Adjustment
1,836.38
341.59
386.62
555.70
652.79
168.01
97.32
Changes in Working Capital
-1,074.09
-6,453.62
-4,541.73
-3,629.64
-1,172.64
-2,718.23
-1,791.10
Cash after chg. in Working capital
1,471.16
-4,172.85
-3,049.69
-2,593.15
-339.45
-2,088.62
-1,196.04
Interest Paid
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Tax Paid
-345.92
-560.93
-240.09
-120.32
-115.22
-164.02
-182.05
Other Direct Exp. Paid
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Extra & Other Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Cash From Investing Activity
708.34
-994.20
-314.43
-32.96
23.53
-607.64
-7.14
Net Fixed Assets
-40.65
-49.20
-18.84
-596.43
-34.37
-81.49
Net Investments
545.90
-984.38
-453.98
662.38
-1.49
-661.24
Others
203.09
39.38
158.39
-98.91
59.39
135.09
Cash from Financing Activity
-1,669.38
5,493.86
3,365.07
1,966.89
2,146.36
2,914.71
1,828.93
Net Cash Inflow / Outflow
164.20
-234.12
-239.14
-779.54
1,715.22
54.43
443.70
Opening Cash & Equivalents
1,107.29
1,341.41
1,580.55
2,360.09
644.87
590.44
130.03
Closing Cash & Equivalent
1,271.49
1,107.29
1,341.41
1,580.55
2,360.09
644.87
573.73

Financial Ratios

Standalone /

Consolidated
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Book Value (Rs.)
432.43
410.27
320.15
266.58
236.73
189.29
164.14
ROA
1.80%
5.50%
4.08%
2.11%
0.92%
3.25%
4.22%
ROE
7.90%
24.87%
17.87%
9.01%
4.10%
13.20%
13.66%
ROCE
9.55%
14.76%
12.06%
9.26%
8.28%
10.70%
12.65%
Fixed Asset Turnover
6.79
6.44
4.61
3.87
3.85
5.11
26.73
Receivable days
0.00
0.00
0.00
0.00
0.00
0.03
0.03
Inventory Days
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Payable days
0.00
0.00
0.00
0.00
0.00
122.57
171.26
Cash Conversion Cycle
0.00
0.00
0.00
0.00
0.00
-122.54
-171.23
Total Debt/Equity
2.96
3.34
3.21
3.11
2.97
3.50
2.07
Interest Cover
1.36
2.12
1.91
1.49
1.19
1.79
2.19

Annual Reports:

FY 2025
FY 2024
FY 2023
FY 2022
FY 2021
FY 2020
FY 2019
FY 2018
FY 2017

News Update:


  • CreditAccess Grameen secures $100 million multi-currency syndicated social loan facility
    11th Jun 2025, 12:00 PM

    This transaction marks the second syndicated loan facility led by Standard Chartered Bank for the Company and builds on the strong track record in international borrowings

    Read More

Source: www.accordfintech.com | DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.