BSE: CREDITACC - CreditAccess Grameen Limited

Yield per half year: -26.95%
Dividend yield: +0.76%
Sector: Financials

CreditAccess Grameen Limited

1600.001600.001400.001400.001200.001200.001000.001000.00800.00800.00600.00600.00Apr '24Apr '24May '24May '24Jun '24Jun '24Jul '24Jul '24Aug '24Aug '24Sep '24Sep '24Oct '24Oct '24Nov '24Nov '24Dec '24Dec '2420252025Feb '25Feb '25Mar '25Mar '25

Underestimation

Parameter Grade Value Sector average Difference with sector, % Average for 5 years Difference from average, %
P/E
7/10
15.24 27.59 -44.76% 32.29 -52.8%
P/S 4.49 11.87 -62.15%
P/BV 3.35 2.8 19.73%
P/FCF 0 5.35 -100%
Ev/Ebitda 21.6 19.26 12.18%
Ev/S 8.72 9.06 -3.78%
Ev/FCF -9 -9.35 -3.81%
E/P 0 0.1051 -100%

Efficiency

Parameter Grade Value Sector average Difference with sector, % Average for 5 years Difference from average, %
Ebitda margin
8/10
27.57 37.61 -26.71% 26.1 +5.61%
ROE 24.77 13.43 84.37%
ROA 5.7 3.05 87.02%
ROIC 0 6.14 -100%
ROS 29.48 81.87 -63.99%
ROCE 0 2.02 -100%

Debt

Parameter Grade Value Sector average Difference with sector, % Average for 5 years Difference from average, %
Debt/Ebitda
0/10
16.15 2.03 697.32% 23.64 -31.67%
Nеt Debt/Ebitda 15.33 1.76 772.43%
Debt/Ratio 0.7572 0.2469 206.61%
Debt/Equity 75.19 291.19 -74.18%
Debt/Net Income 15.11 16.42 -7.99%

Dividends

Parameter Grade Value Sector average Difference with sector, % Average for 5 years Difference from average, %
Dividend yield
1.9/10
0.7647 1.33 -42.37% 0.2579 +196.51%
Number of years of dividend growth 0 1.16 -100%
DSI 1 0.8394 19.13%
Average dividend growth 49.8 -13.1 -480.26%
Average percentage for 5 years 0.2579 1.91 -86.49%
Average percentage for payments 0 19.32 -100%
Difference from average difference in sector -0.5623

Growth impulse

Parameter Grade Value Sector average Difference with sector, %
Growth impulse Revenue in 5 years
10/10
200.54 97.63 105.41%
Growth impulse Ebitda in 5 years 174.88 125.67 39.16%
Growth impulse Net Income in 5 years 333.5 344.17 -3.1%
Growth impulse FCF in 5 years 111.26 528.66 -78.95%
Growth impulse EPS in 5 years 294.45 117.77 150.02%
IP Score
5.21/10

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