CreditAccess Grameen Limited

NSE
CREDITACC
Stock
Yield per half year: +20.82%
Dividend yield: 0%
Sector: Financials

Reporting CreditAccess Grameen Limited

Capitalization

IFRS
Reporting Annual Quarterly
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Average for 5 years CAGR 5
Capitalization, bln ₹
49.95 80.47 96.41 103.52 142.73 200.73 216.45 216.45 151.97 17.56
Revenue, bln ₹
6.95 8.57 12.12 16.32 23.02 25.47 33.47 29.94 18.79 18.79 26.14 -3.98
Net profit, bln ₹
0.803 1.25 3.22 3.34 1.34 3.53 8.26 14.46 5.31 5.31 6.58 31.70
EV, bln ₹
106.11 149.47 240.97 251.56 253.82 292.88 428.25 342.21 342.21 313.74 6.35
EBIT, bln ₹
1.41 -0.8795 0.629 1.68 0.1218 -3.3 3.27 12.17 21.57 21.57 6.77 181.61
EBITDA, bln ₹
1.44 1.77 2.52 5.27 6.67 9.99 15.25 23.8 22.08 22.08 15.56 27.05
OIBDA ₹
11.99 12.12 16.53 26.59 30.52 30.52 19.55 20.55
Book value, bln ₹
6.91 14.28 23.65 27.34 36.92 39.78 51.07 65.7 69.56 69.56 52.61 13.51
FCF, bln ₹
-4.33 -17.46 -13.96 -22.5 -4.69 -27.42 -33.07 -47.54 10.99 10.99 -20.3460 -218.57
Operating Cash Flow, bln ₹
-4.25 -17.39 -13.78 -22.28 -4.55 -27.14 -32.9 -47.34 11.25 11.25 -20.1360 -219.85
Operating profit, bln ₹
1.76 2.58 6.08 4.62 1.8 4.81 11.05 22.9 11.49 11.49 10.41 44.88
Operating expenses, bln ₹
1.63 2.01 1.34 1.85 1.25 2.24 3.14 7.04 7.3 7.3 4.19 42.33
CAPEX, bln ₹
0.085 0.0712 0.1772 0.2184 0.1456 0.2786 0.1732 0.1185 0.2668 0.2668 0.1965 12.88


Balance sheet

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Average for 5 years CAGR 5
Cash, bln ₹
3.32 1.3 5.74 6.45 23.6 15.81 13.41 11.07 14.43 14.43 15.66 -9.37
Short-Term Investments ₹
-6.47 -15.95 0.7603 0.8878 1.07 0.9921 6.99 15.35 1.71 1.71 5.22 9.83
Long-Term Investments ₹
0.002 0.002 0.002 0.002 0.469 0.0954 197.87
Accounts Receivable ₹
24.8 31.12 49.1 0.055 0.427 1.14 0.941 1.19 0.7855 0.7855 0.8967 12.96
Total Current Assets ₹
28.51 35.7 51.75 73.38 99.92 106.98 211.16 180.68 257.5 257.5 171.25 20.84
Net assets, bln ₹
0.0668 0.0948 0.1874 0.8629 0.9165 1.07 0.9683 1.21 1.31 1.31 1.09 7.41
Assets, bln ₹
35.64 52.18 73.57 125.9 150.59 173.95 218.58 288.46 278.02 278.02 221.92 13.05
Short-Term Debt ₹
11.11 14.92 21.23 26.07 55.61 62.23 71.3 163.12 98.71 98.71 90.19 12.16
Long-Term Debt ₹
26.85 36.23 48.67 95.4 109.41 129.21 163.12 120.58 100.68 100.68 124.60 -1.65
Liabilities, bln ₹
28.73 37.9 49.92 97.46 112.63 133.19 167.51 222.76 208.46 208.46 168.91 13.10
Net debt, bln ₹
23.36 34.73 42.93 89.51 86.57 114.25 149.71 207.34 190.03 190.03 149.58 17.03
Debt, bln ₹
41.78 57.46 74.74 151.01 171.64 200.5 163.12 218.41 204.46 204.46 191.63 3.56
Interest Income ₹
1.89 2.99 3.52 4.12 5.78 9.29 9.84 10.91 7.99 21.50
Interest Expense, bln ₹
0.1618 0.5197 0.6506 0.0878 0.0992 0.2293 0.2348 0.2308 2.18 2.18 0.5948 85.52
Net interest income, bln ₹
0.0853 0.058 0.0699 0.0634 -1.34 -1.56 0.2332 0.8756 10.91 -0.3456 69.06
Goodwill ₹
3.18 3.18 3.18 3.18 3.76 3.30 3.41
Amortization, bln ₹
0.0261 2.65 1.9 3.59 6.55 13.29 11.98 11.63 0.5115 0.5115 8.79 -39.95
Cost of production, bln ₹
3.69 4.16 5.67 8.04 12.45 13.52 17.3 21.02 26.79 26.79 18.22 16.56
Inventory ₹
17.73 24.77 34.28 45.16 -0.427 73.99 89.14 189.37 263.96 263.96 123.21 -461.59


Share

IFRS
Reporting Annual Quarterly
2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Average for 5 years CAGR 5
EPS 23.15 23 8.9 22.2 51.82 90.41 33.24 33.24 41.31 30.15
Share price 383.25 767.95 755.85 597.85 915.3 1596.55 886.55 1353.9 1353.9 1070.03 17.76
Number of shares, mln 128.43 144.76 145.15 150.96 156.42 159.02 159.42 159.93 159.87 159.87 158.93 0.44
FCF/share -33.74 -120.63 -96.16 -149.07 -30 -172.44 -207.45 -297.26 68.72 68.72 -127.6860 -218.03


Efficiency

IFRS
Reporting Annual Quarterly
2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average Average for 5 years CAGR 5
ROE, % 11.62 8.73 13.6 12.2 3.63 9.21 16.18 22.01 7.64 7.64 14.62 11.73 16.05
ROA, % 2.25 2.39 4.37 2.65 0.89 2.18 3.78 5.01 1.91 1.91 4.26 2.75 16.50
ROIC, % 5.65 5.65 11.05 5.65 0.00
ROS, % 11.55 14.55 26.55 20.44 5.82 13.86 24.68 48.3 28.28 28.28 49.41 24.19 37.19
ROCE, % -12.73 4.41 7.11 0.4284 -8.69 3.28 23.83 32.83 31.01 31.01 28.39 16.45 -228.97
EBIT margin 25.45 -7.09 12.84 36.37 72.05 114.79 114.79 41.53 45.79 -274.52
EBITDA margin 25.42 29.46 43.46 40.9 43.38 59.88 71.11 73.76 117.51 117.51 43.27 73.13 22.06
Net margin 11.55 14.55 26.55 20.44 5.82 13.86 24.68 48.3 28.28 28.28 49.41 24.19 37.19
Operational efficiency, % 25.36 30.1 50.19 28.28 7.84 18.88 33.03 76.48 61.13 61.13 56.11 39.47 50.80
FCF yield, % -34.96 -17.35 -23.34 -4.53 -19.21 -16.48 5.08 5.08 -17.03 -11.6960 -173.71


Coefficients

IFRS
Reporting Annual Quarterly
2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average Average for 5 years CAGR 5
P/E
40.08 25.01 28.9 77.24 39.53 17.33 15.28 40.73 40.73 26.75 38.02 -12.01
P/BV
3.5 3.4 3.53 2.8 3.42 2.8 3.36 3.11 3.11 4.10 3.10 2.12
P/S
5.83 6.64 5.91 4.5 5.48 4.28 7.38 11.52 11.52 11.39 6.63 20.68
P/FCF
-2.86 -5.76 -4.28 -22.06 -5.2 -6.07 -4.59 19.7 19.7 3.26 -3.6440 -197.76
E/P
0.025 0.04 0.0346 0.0129 0.0247 0.0412 0.0662 0.0246 0.0246 0.07 0.0339 13.78
EV/EBIT
32.77 -114.55 77.6 24.07 19.85 15.87 15.87 8.82 4.57 -167.35
EV/EBITDA
42.04 28.38 36.1 25.19 16.64 12.31 19.39 19.39 37.71 21.93 -11.69
EV/S
12.38 12.33 14.76 10.93 9.97 8.75 14.3 18.21 18.21 13.39 12.43 10.75
EV/FCF
-6.08 -10.71 -10.71 -53.61 -9.26 -8.86 -9.01 31.15 31.15 1.52 -9.9180 -189.71
Debt/EBITDA
23.64 22.77 14.19 22.63 17.19 13.15 6.85 9.89 9.26 9.26 10.65 11.27 -11.64
Netdebt/Ebitda
13.22 13.76 8.15 13.41 8.67 7.49 6.29 9.39 8.61 8.61 -211.00 8.09 -0.14
Debt/Ratio
1.17 1.1 1.02 1.2 1.14 1.15 0.7463 0.7572 0.7354 0.7354 0.27 0.9058 -8.39
Debt/Equity
6.05 4.02 3.16 5.52 4.65 5.04 3.19 3.32 3 3 6.54 3.84 -8.39
Debt/Net Income
52.03 46.1 23.23 45.27 128.07 56.79 19.75 15.11 38.48 38.48 11.86 51.64 -21.38
PEG
-1.39 -1.39 13.83 -1.3900 0.00
Beta
0.8543 5.48 3.33 3.33 1.31 3.22 57.38
Altman Index
1.51 1.78 1.27 1.22 1.37 1.55 1.15 1.17 1.17 1.78 1.29 -0.83


Dividends

IFRS
Reporting Annual Quarterly
2024 2025 LTM Industry average Average for 5 years CAGR 5
Dividend payout, bln
1.59 1.59 1.59 0.00
Dividend
10 0 10.00 0.00
Dividend yield, %
0.7711 0 0.96 0.7711 0.00
Dividends / profit, %
11.03 30 30 19.60 20.52 64.92
Dividend coverage ratio
9.07 3.33 3.33 9.13 6.20 -39.41


Pay for your subscription

More functionality and data for company and portfolio analysis is available by subscription

Subscribe

Other

IFRS
Reporting Annual Quarterly
2020 2021 2022 2023 2024 2025 LTM CAGR 5
CAPEX/Revenue, %
1.34 0.6324 1.09 0.5175 0.3958 1.42 1.42 17.56
Staff, people
16 759 16 759 0.00