CreditAccess Grameen Limited (CREDITACC) 📈: отчетность и дивиденды за 2024

Capitalization

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ₹			49.95	80.47	96.41	103.52	142.73	200.73		218.34
Выручка, млрд ₹	4.46	6.95	8.57	12.12	16.32	23.02	25.47	33.47	29.94	29.94
Чистая прибыль, млрд ₹	0.8324	0.803	1.25	3.22	3.34	1.34	3.53	8.26	14.46	14.46
EV, млрд ₹			106.11	149.47	240.97	251.56	253.82	292.82	431.39	431.39
EBIT, млрд ₹	1.41	-0.8795	0.629	1.68	0.1218	-3.3	3.27	12.17	21.57	21.57
EBITDA, млрд ₹	1.44	1.77	2.52	5.27	6.67	9.99	15.25	23.8	22.08	22.08
Баланс стоимость, млрд ₹	4.6	6.91	14.28	23.65	27.34	36.92	39.78	51.07	65.7	65.7
FCF, млрд ₹	-9.39	-4.33	-17.46	-13.96	-22.5	-4.69	-27.42	-33.07	-47.54	-47.54
Операционный денежный поток, млрд ₹	-9.31	-4.25	-17.39	-13.78	-22.28	-4.55	-27.14	-32.9	-47.34	-47.34
Операционная прибыль, млрд ₹	1.46	1.76	2.58	6.08	4.62	1.8	4.81	11.05	22.9	22.9
Операционные расходы, млрд ₹	0.577	1.63	2.01	1.34	1.85	1.25	2.24	3.14	7.04	7.04
CAPEX, млрд ₹	0.0781	0.085	0.0712	0.1772	0.2184	0.1456	0.2786	0.1732	0.1185	0.1185

	2018Q4	2019Q4	2020Q1	2020Q2	2020Q3	2020Q4	2021Q1	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
Капитализация, млрд ₹	48.89	105.59				109.12			95.77				149.16				255.47
Выручка, млрд ₹											7.38	7.76	8.6	9.73	11.11	12.17	12.72	14.46	15.04	14.34
Чистая прибыль, млрд ₹											1.38	1.72	2.16	3.04	3.48	3.47	3.53	3.97	3.98	1.86
EV, млрд ₹										251.54		271.97	266.46	292.92		376.7	437.57	429.1	412.73	381.08
EBIT, млрд ₹											3.46	3.64	3.71	4.23	5.02	5.99	6.84	6.7	7.09	6.52
EBITDA, млрд ₹											3.58	3.77	3.84	4.35	5.14	6.11	6.97	6.84	7.24	6.69
Баланс стоимость, млрд ₹											40.76	43.89	45.98	51.07	51.07	57.98	61.69	65.7	65.7	69.88
FCF, млрд ₹				-5.63	-5.63		0.0196			0.0545		0.2564	0.2522	0.1065	0.2412	0.2456	0.2612
Операционный денежный поток, млрд ₹					-5.57		0.0196	0.1643		0.0545		0.2564	0.2522	0.1065	0.2412	0.2456	0.2612
Операционная прибыль, млрд ₹											2.67	3.64	3.71	4.23	4.67	5.99	6.84	6.7	7.09	6.52
Операционные расходы, млрд ₹											0.6704	0.7703	0.889	0.8146	0.8407	0.9759	0.949	2.8	1.05	1.08
CAPEX, млрд ₹		0.0546	0.0546	0.0546	0.0546		0.1456	0.1284		0.2786		0.0684		0.1732		0.0527

	5 quarters average	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ₹		1.83	3.32	1.3	5.74	6.45	23.6	15.81	13.41	11.07	11.07
Short Term Investments ₹		-8.09	-6.47	-15.95	0.7603	0.8878	1.07	0.9921	6.99	15.35	15.35
Long term investments ₹	0.002	0.002	0.002	0.002	0.469
Total Receivables ₹		24.8	31.12	49.1	0.055	0.427	1.14	0.941	1.19	0.7855	0.7855
Total Current Assets ₹		19.75	28.51	35.7	51.75	73.38	99.92	106.98	211.16	180.68	180.68
Чистые активы, млрд ₹	0.0257	0.0532	0.0668	0.0948	0.1874	0.8629	0.9165	1.07	0.9683		0.9683
Активы, млрд ₹		28.08	35.64	52.18	73.57	125.9	150.59	173.95	218.58	288.46	288.46
Short Term Debt ₹		11.11	14.92	21.23	26.07	55.61	62.23	71.3	163.12	98.71	98.71
Long Term Debt ₹		11.22	26.85	36.23	48.67	95.4	109.41	129.21	163.12	218.41	218.41
Задолженность, млрд ₹		23.48	28.73	37.9	49.92	97.46	112.63	133.19	167.51	222.76	222.76
Чистый долг, млрд ₹		20.51	23.36	34.73	42.93	89.51	86.57	114.25	149.71	207.34	207.34
Долг, млрд ₹		22.33	41.78	57.46	74.74	151.01	171.64	200.5	163.12	218.41	218.41
Interest income ₹		1.89	2.99	3.52	4.12	5.78	9.29	9.84	10.91
Расходы на обслуживание долга ₹		0.1618	0.5197	0.6506	0.0878	0.0992	0.2293	0.2348	0.2308	2.18	2.18
Чист. проц. доходы, млрд ₹			0.0853	0.058	0.0699	0.0634	-1.34	-1.56	0.2332	0.8756	10.91
Goodwill ₹					3.18	3.18	3.18	3.18	3.76
Амортизация, млрд ₹		0.0261	2.65	1.9	3.59	6.55	13.29	11.98	11.63	0.5115	0.5115
Себестоимость, млрд ₹		2.63	3.69	4.16	5.67	8.04	12.45	13.52	17.3	21.02	21.02
Товарно материальные запасы ₹		17.73	24.77	34.28	45.16	-0.427	73.99	89.14	189.37	263.96	263.96

	2017Q2	2017Q3	2017Q4	2018Q1	2018Q3	2019Q1	2019Q3	2020Q1	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
Наличность, млрд ₹														15.81	15.81		6.65	10.02	13.41		12.78	11.69	13.14	8.88	5.21
Short Term Investments ₹												0.071	1.95	0.9921	0.9921		0.932	2.83	6.99		1.3		2.07		2.12
Long term investments ₹	1.67	1.67	0.002	0.002	0.3784	0.469	0.323
Total Receivables ₹								111.64	102.07		118.65		118.24		148.91		152.57	164.02	1.19		209.16		0.7855
Total Current Assets ₹												120.27	133.4	106.98	106.98		160.15	174.04	211.16		223.24		264.75		242.95
Чистые активы, млрд ₹							0.8443	0.8629	0.8866		0.9165		0.9294		1.07		0.9944	0.98	0.9683		1.02
Активы, млрд ₹														173.95	173.95		171.84	186.75	218.58		239.54	255.81	288.46	65.7	266.13
Short Term Debt ₹		18.18	21.23	21.23		26.07		55.61			62.23			71.3	71.3				163.12				98.71
Long Term Debt ₹									95.56		109.41	96.3	100.54		129.21		123.08	135.74	163.12		176.69		218.41
Задолженность, млрд ₹														133.19	133.19		126.91	139.68	167.51		181.56	194.13	222.76	-65.7	196.24
Чистый долг, млрд ₹														114.25	114.25		116.44	126.52	149.71		163.91	179.05	205.27	194.98	186.33
Долг, млрд ₹											171.64				200.5		123.08	136.54	326.25		176.69	190.74	218.41	203.86	191.54
Interest income ₹												2.49	2.29	2.39	2.67	2.74	2.56	2.87	2.74	3.82	4.15
Расходы на обслуживание долга ₹															1.59	1.59	1.39	0.8591	0.1484
Чист. проц. доходы, млрд ₹									0.0648	0.0783	-1.51				2.67	2.74	2.56	2.87	2.74	3.82	4.15
Goodwill ₹											3.18	3.18	3.18	3.18	3.18		3.18	3.18	3.76		3.76	3.76
Амортизация, млрд ₹																0.1192	0.1282	0.1261	0.1249	0.1206	0.1228	0.1306	0.1375	0.1435	0.1719
Себестоимость, млрд ₹																4.04	4.03	4.41	4.82	5.43	5.87	5.99	4.96	5.25	6.74
Товарно материальные запасы ₹																			189.37				263.96

	5 quarters average	CAGR 5

Share

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
EPS				23.15	23	8.9	22.2	51.82	90.41	90.41
Цена акции ао			383.25	767.95	755.85	597.85	915.3	1596.55	841.2	841.2
Число акций ао, млн	83.34	128.43	144.76	145.15	150.96	156.42	159.02	159.42	159.93	159.93
FCF/акцию	-112.66	-33.74	-120.63	-96.16	-149.07	-30	-172.44	-207.45	-297.26	-297.26

	2014Q4	2015Q4	2016Q4	2017Q4	2018Q4	2019Q4	2020Q4	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
EPS											8.8	10.97	13.76	19.05	21.8	21.69	22.05	24.85	24.82	11.61
Цена акции ао								668.7	612.22	688.07	985.64	1010.71	951.25	918.94	1126.32	1370.57	1594.24
Число акций ао, млн	55.13	72.95	83.34	128.43	144.76	145.15	150.96		156.42				156.81				160.24
FCF/акцию		-32.17	-13	-33.99	-24.11	-38.76							1.61	0.6676	1.51	1.54	1.63

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Industry average	5 year average	CAGR 5
ROE, %	18.1	11.62	8.73	13.6	12.2	3.63	9.21	18.19	24.77	24.77	15.18
ROA, %	2.96	2.25	2.39	4.37	2.65	0.89	2.18	4.21	5.7	5.7	3.71
ROS, %	18.66	11.55	14.55	26.55	20.44	5.82	13.86	24.68	48.3	48.3	43.97
ROCE, %	30.74	-12.73	4.41	7.11	0.4284	-8.69	3.28	23.57	11.57	11.57	-10.66
Рентаб EBITDA, %	32.29	25.42	29.46	43.46	40.9	43.38	59.88	71.11	73.76	73.76	27.21
Чистая рентаб, %	18.66	11.55	14.55	26.55	20.44	5.82	13.86	24.68	48.3	48.3	43.97
Operation Margin, %	32.67	25.36	30.1	50.19	28.28	7.84	18.88	33.03	76.48	76.48	31.93
Доходность FCF, %			-34.96	-17.35	-23.34	-4.53	-19.21	-16.48

	2018Q4	2019Q4	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	Industry average	5 quarters average	CAGR 5
ROE, %					3.38	3.92	4.69	5.95	6.82	6.97	6.61	6.93	6.53	2.9	15.18
ROA, %			0.6888	0.9034		1	1.16	1.39		2.9	1.43	1.46	2.25	1.12	3.71
ROS, %					18.69	22.18	25.09	31.24	31.36	28.51	27.79	27.46	26.43	12.98	43.97
ROCE, %			9.51	-2.16		8.11	7.89	8.28		3.79	3.77	2.58	3.36	2.99	-10.66
Рентаб EBITDA, %					48.55	48.63	44.64	44.73	46.25	50.2	54.79	47.27	48.1	46.67	27.21
Чистая рентаб, %					18.69	22.18	25.09	31.24	31.36	28.51	27.79	27.46	26.43	12.98	43.97
Operation Margin, %					36.2	46.97	43.18	43.45	42.06	49.19	53.76	46.32	47.15	45.47	31.93
Доходность FCF, %	-7.14	-5.33					0.1691				0.1022

	Industry average	5 quarters average	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Industry average	5 year average	CAGR 5
P/E			40.08	25.01	28.9	77.24	39.53	17.32	15.5	15.5	39.84
P/BV			3.5	3.4	3.53	2.8	3.42	2.8	3.41	3.41	3.20
P/S			5.83	6.64	5.91	4.5	5.48	4.28	7.48	7.48	9.29
P/FCF			-2.86	-5.76	-4.28	-22.06	-5.2	-6.07	-4.59	-4.59	13.88
E/P			0.025	0.04	0.0346	0.0129	0.0247	0.0412	0.0662	0.0662	0.38
EV/EBITDA			42.04	28.38	36.1	25.19	16.64	12.3	19.54	19.54	128.40
EV/Ebit					32.77	-114.55	77.6	24.06	20	20
EV/S			12.38	12.33	14.76	10.93	9.97	8.75	14.41	14.41	11.23
EV/FCF			-6.08	-10.71	-10.71	-53.61	-9.26	-8.85	-9.07	-9.07	24.11
Debt/EBITDA	15.51	23.64	22.77	14.19	22.63	17.19	13.15	6.85	9.89	9.89	25.10
Netdebt/Ebitda	14.24	13.22	13.76	8.15	13.41	8.67	7.49	6.29	9.39	9.39	-18.50
Debt/Ratio	0.7953	1.17	1.1	1.02	1.2	1.14	1.15	0.7463	0.7572	0.7572	0.36
Debt/Equity	4.86	6.05	4.02	3.16	5.52	4.65	5.04	3.19	225.56	225.56	278.77
Debt/Net Income	26.83	52.03	46.1	23.23	45.27	128.07	56.79	19.75	15.11	15.11	15.69
Бета								0.8543	4.38	4.38	0.69
Индекс Альтмана			1.51	1.78	1.27	1.22	1.37	1.55	1.15	1.15	0.15

	2018Q4	2019Q1	2019Q4	2020Q1	2020Q4	2021Q1	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	Industry average	5 quarters average	CAGR 5
P/E									32.86	26.47	69.13	17.12	20.64	17.43	19.07	15.5	14.55	14.58	39.84
P/BV							2.47	3.37		3.46	3.24	2.8		3.67	4.19	3.41	1.66	2.79	3.20
P/S									5.85	5.44	17.34	4.24	5.77	5.09	5.64	4.44	4	3.44	9.29
P/FCF	-14.01		-18.77								591.45				978.06				13.88
E/P	0.0204		0.0102		-0.0071		0.0125				0.0145				0.0138				0.38
EV/EBITDA								108.87		32.77	25.53	18.84		19.55	19.54	17.25	15.2	13.74	128.40
EV/Ebit														62.9	64.01	64.07	58.19	58.45
EV/S														30.94	34.41	29.67	27.43	26.58	11.23
EV/FCF														1533.79	1675.23				24.11
Debt/EBITDA						-290.03		-265.18		32.64	35.56	74.95		28.91	27.38	31.95	28.17	28.62	25.10
Netdebt/Ebitda							28.62	-151.11		30.87	32.95	34.39		26.82	25.7	30.03	26.94	27.85	-18.50
Debt/Ratio		0.6615		1.2		1.14		1.15				1.49		0.7376	0.7456	0.7572	3.1	0.7197	0.36
Debt/Equity		2.06		5.52		4.65		5.04				6.39		3.05	3.09	3.32	3.1	2.74	278.77
Debt/Net Income		63.76		523.78		285.64		127.59				107.32		50.91	53.98	55	51.26	102.94	15.69
Индекс Альтмана											1.09								0.15

	Industry average	5 quarters average	CAGR 5

Dividends

IFRS

Reporting Annual

	2024	LTM	Industry average	5 year average	CAGR 5
Дивиденд	10	10
Див доход, ао, %	0.7642	0.7642	1.39
Дивиденды / прибыль, %		0	27.26

	Industry average	5 quarters average	CAGR 5

	Industry average	5 quarters average	CAGR 5

Other

IFRS

Reporting Annual Quarterly

	2020	2021	2022	2023	2024	LTM	CAGR 5
ebit_margin	25.45	-7.09	12.84	36.37	72.05	72.05
Персонал, чел				16759	16759

	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	CAGR 5
ebit_margin	49.19	53.76	46.32	47.15	45.47

	CAGR 5

Investing Port

NSE: CREDITACC - CreditAccess Grameen Limited

Reporting CreditAccess Grameen Limited

Capitalization

Balance sheet

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Efficiency

Coefficients

Dividends

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