BSE: CREDITACC - CreditAccess Grameen Limited

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

Reporting CreditAccess Grameen Limited

Capitalization

IFRS

Reporting Annual Quarterly

	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Выручка, млрд ₹	16.32	23.02	25.47	33.47	49.05	49.05	29.47	24.62
Чистая прибыль, млрд ₹	3.34	1.34	3.63	8.26	14.46	14.46	6.21	34.06
EV, млрд ₹	135.23	189.73	249.57	292.37	427.69	427.69	258.92	25.90
EBITDA, млрд ₹	4.92	2.47	5.52	13.52		13.52	6.61	28.75
Баланс стоимость, млрд ₹	27.34	36.92	39.78	51.07	65.7	65.7	44.16	19.17
FCF, млрд ₹	-22.5	-4.69	-27.42	-33.07	-47.54	-47.54	-27.0440	16.14
Операционный денежный поток, млрд ₹	-22.53	-4.55	-27.14	-98.69	-47.34	-47.34	-40.0500	16.01
Операционная прибыль, млрд ₹	6.43	9.33	9.71	13.02	23.53	23.53	12.40	29.62
Операционные расходы, млрд ₹	9.89	13.7	15.76	20.44	25.52	25.52	17.06	20.88
CAPEX, млрд ₹	0.1436	0.0474	0.2016	0.4116	0.2031	0.2031	0.2015	7.18

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	5 quarters average	CAGR 5
Выручка, млрд ₹	6.52	7.38	7.76	8.6	9.73	11.11	12.17	12.72	13.05	14.64	12.74	5.67
Чистая прибыль, млрд ₹	1.57	1.38	1.72	2.12	3.04	3.48	3.47	3.53	3.97	3.98	3.69	2.72
EV, млрд ₹	249.57		270.68	264.51	292.06		369.34		427.69		324.86	9.58
EBITDA, млрд ₹	-1.61	2.79	3.08	3.42	4.22	4.96					3.69	12.20
Баланс стоимость, млрд ₹	39.78		43.89	45.98	51.07		57.98		65.7		52.92	8.40
Операционная прибыль, млрд ₹	2.94	2.67	2.96	3.3	4.1	4.84	5.33	5.78	7.58	6.61	6.03	6.43
Операционные расходы, млрд ₹	3.59	4.71	4.8	5.3	5.63	6.27	6.85	6.93	5.46	8.03	6.71	5.07

	5 quarters average	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ₹	6.45	23.6	15.81	13.41	11.07	11.07	14.07	11.41
Short Term Investments ₹	0.8878	1.07	0.9921	6.99	15.35	15.35	5.06	76.83
Total Receivables ₹	0.0022	118.66	148.91	572.49		572.49	210.02	2158.58
Total Current Assets ₹	119.52	143.83	166.88	616.53	180.68	180.68	245.49	8.62
Чистые активы, млрд ₹	0.8629	0.9165	1.07	2.9		2.9	1.44	35.40
Активы, млрд ₹	125.9	150.59	173.95	218.58	288.46	288.46	191.50	18.04
Short Term Debt ₹	55.51	62.14	71.18	163.12	98.71	98.71	90.13	12.20
Long Term Debt ₹	39.83	47.27	58.02	83.53	119.7	119.7	69.67	24.62
Задолженность, млрд ₹	97.46	112.63	133.19	167.51	222.76	222.76	146.71	17.98
Чистый долг, млрд ₹	88.89	85.81	113.4	149.71	207.34	207.34	129.03	18.46
Долг, млрд ₹	95.34	109.41	129.21	246.65	218.41	218.41	159.80	18.03
Interest income ₹	0.0634	0.2562	0.338	0.4966			0.2885	67.29
Расходы на обслуживание долга ₹	0.0992	0.2293	0.2348	0.2308	2.18	2.18	0.5948	85.52
Чист. проц. доходы, млрд ₹	-0.0737	-0.0614	0.0688	0.2332	0.8756	0.4966	0.2085	-264.05
Goodwill ₹	3.18	3.18	3.18	3.76			3.33	4.28
Себестоимость, млрд ₹	8.04	12.45	13.52	17.3	21.02	21.02	14.47	21.19

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	5 quarters average	CAGR 5
Наличность, млрд ₹	15.81		6.65	10.02	13.41		12.78		11.07		10.79	10.73
Short Term Investments ₹	0.9921		0.932		6.99		1.3		15.35		5.11	72.95
Total Receivables ₹				164.02	190.83		209.16				188.00	8.44
Total Current Assets ₹	106.98		160.15	174.04	205.51		223.85		180.68		188.85	2.44
Чистые активы, млрд ₹	106.98		160.15	0.98	0.9683		1.02				54.02	-60.57
Активы, млрд ₹	173.95		171.84	186.75	218.58		239.54		288.46		221.03	10.92
Short Term Debt ₹	71.18				163.12				98.71		111.00	11.52
Long Term Debt ₹	58.02		123.08	135.74	83.53		176.69		119.7		127.75	-0.56
Задолженность, млрд ₹	133.19		126.91	139.68	167.51		181.56		222.76		167.68	11.91
Чистый долг, млрд ₹	113.4		116.44	125.71	149.71		163.91		207.34		152.62	12.23
Долг, млрд ₹					246.65				218.41		232.53	-5.90
Goodwill ₹	3.18		3.18	3.18	3.76		3.76				3.41	3.41
Себестоимость, млрд ₹	3.09	4.04	4.03	4.41	4.82	5.43	5.87	5.99	3.73	6.98	5.60	5.15

	5 quarters average	CAGR 5

Share

IFRS

Reporting Annual Quarterly

	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS		17.72	23	8.9	23.29	51.98	90.72		90.72	39.58	31.58
Цена акции ао	383.15	767.15	756.65	598.2	914	1597.55	887.35	923.1	923.1	984.04	9.06
Число акций ао, млн			143.99	155.58	155.87	158.91	159.38		159.38	154.75	2.05
FCF/акцию			-156.29	-30.16	-175.93	-208.12	-298.29		-298.29	-173.7580	13.80

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	5 quarters average	CAGR 5
EPS		7.66	10.04	8.8	10.97	13.53	19.13	21.8	21.79	22.05	24.92	21.94	5.43
Цена акции ао	668.79	611.63	687.86	985.28	1010.56	950.79	919.07	1126.46	1370.68	1591.9		1191.78	10.86

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %	12.2	3.63	9.47	18.19	24.77		24.77	13.90	13.65	15.22
ROA, %	2.65	0.89	2.24	4.21	5.7		5.7	2.81	3.14	16.55
ROS, %	20.44	5.82	14.25	24.68	29.48	29.48	29.48	59.51	20.74	38.33
ROCE, %						0	0	2.58
Ebit margin, %						0	0
Рентаб EBITDA, %	30.14	10.75	21.65	40.4		27.57	27.57	10.51	26.10	-1.77
Чистая рентаб, %	20.44	5.82	14.25	24.68	29.48		29.48	59.51	18.93	7.60
Operation Margin, %	39.42	40.51	38.14	38.91	47.97	47.97	47.97	13.65	42.70	3.44

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	Industry average	5 quarters average	CAGR 5
ROE, %	3.95		3.92	4.61	6.95		8.5		8.55		13.90	6.51	16.88
ROA, %	0.9034		1	1.14	1.5		2.9		1.5		2.81	1.61	8.45
ROS, %	24.09	18.69	22.18	24.67	31.24	31.36	28.51	27.79	30.43	27.16	59.51	29.05	-2.83
Рентаб EBITDA, %	-24.67	37.82	39.77	39.81	43.39	44.67					10.51	41.09	3.39
Чистая рентаб, %	24.09	18.69	22.18	24.67	31.24	31.36	28.51	27.79	30.43	27.16	59.51	29.05	-2.83
Operation Margin, %	45.01	36.2	38.12	38.35	42.11	43.58	43.74	45.46	58.12	45.15	13.65	47.21	0.71

	Industry average	5 quarters average	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E	13.89	77.54	37.51	17.27	15.24		15.24	29.43	32.29	1.87
P/BV	1.63	2.74	3.34	2.79	3.35		3.35	3.11	2.77	15.50
P/S	2.84	4.51	5.35	4.26	4.49		4.49	12.16	4.29	9.59
P/FCF				0	0	0	0	5.80
E/P				0	0	0	0	0.10
EV/EBITDA	27.49	76.69	45.25	21.62			21.6	25.28	42.76	-5.83
EV/EBIT					0	0	0
EV/S	8.29	8.24	9.8	8.74	8.72	8.72	8.72	8.38	8.84	1.14
EV/FCF	-6.01	-40.44	-9.1	-8.84	-9	-9	-9	-6.20	-15.2760	-25.96
Debt/EBITDA	19.38	44.23	23.43	18.24	16.15	16.15	16.15	1.02	23.64	-18.25
Netdebt/Ebitda	18.07	34.69	20.56	11.07	15.33	15.33	15.33	0.86	19.40	-15.07
Debt/Ratio	0.7573	0.7266	0.7428	1.13	0.7572	0.7572	0.7572	0.24	0.8228	0.83
Debt/Equity	3.49	2.96	3.25	4.83	3.32	75.19	75.19	239.18	17.91	90.97
Debt/Net Income	28.58	81.64	35.59	29.86	15.11	15.11	15.11	12.31	35.46	-28.64
Бета				1.5	5.46	0.5259	0.5259	1.82	2.50	-29.49
Индекс Альтмана				0.709	0.3049	0.3049	0.3049	1.07	0.4396	-24.52

	2022Q1	2022Q3	2022Q4	2023Q1	2023Q3	2024Q1	2025Q1	Industry average	5 quarters average	CAGR 5
P/E	86.65	46.83	25.62	20.48	23.67	21		29.43	27.52	-14.82
P/BV	3.34	3.43	2.95	2.79	3.54	3.35		3.11	3.21	-0.47
P/S	20.87	10.79	6.06	5.4	6.69	6.3		12.16	7.05	-10.20
EV/EBITDA	-155.07	63.46	34.4	21.6				25.28	-8.9025	-161.09
EV/S					30.34	32.78		8.38	31.56	3.94
Netdebt/Ebitda	-70.46	37.75	36.72	35.45				0.86	9.87	-184.22
Debt/Ratio				1.13		0.7572		0.24	0.9436	-18.14
Debt/Equity				4.83		3.32		239.18	4.08	-17.09
Debt/Net Income						55		12.31	55.00	0.00
Бета							0.5259	1.82	0.5259	0.00
Индекс Альтмана							0.3049	1.07	0.3049	0.00

	Industry average	5 quarters average	CAGR 5

Dividends

IFRS

Reporting Annual Quarterly

	2021	2022	2024	LTM	Industry average	5 year average	CAGR 5
Дивиденд	0.04	0.04	10	10		3.36	529.96
Див доход, ао, %	0.0046	0.0044	0.7647	0.7647	1.40	0.2579	449.85

	2022Q1	Industry average	5 quarters average	CAGR 5
Дивиденд	0.04		0.0400	0.00
Див доход, ао, %	0.0058	1.40	0.0058	0.00

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2023	2024	CAGR 5
Персонал, чел	16759	16759	0.00

	CAGR 5

	CAGR 5