CreditAccess Grameen Limited (CREDITACC) 📈: отчетность и дивиденды за 2025

Capitalization

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
Капитализация, млрд ₹			49.95	80.47	96.41	103.52	142.73	200.73			218.34	124.77	20.06
Выручка, млрд ₹		6.95	8.57	12.12	16.32	23.02	25.47	33.47	29.94	56.48	29.94	33.68	19.66
Чистая прибыль, млрд ₹		0.803	1.25	3.22	3.34	1.34	3.53	8.26	14.46	5.31	14.46	6.58	31.70
EV, млрд ₹			106.11	149.47	240.97	251.56	253.82	292.88	428.25	343.79	428.25	314.06	6.45
EBIT, млрд ₹	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, млрд ₹	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, млрд ₹					11.99	12.12	16.53	26.59	30.52		30.52	19.55	20.55
Баланс стоимость, млрд ₹		6.91	14.28	23.65	27.34	36.92	39.78	51.07	65.7	69.56	65.7	52.61	13.51
FCF, млрд ₹		-4.33	-17.46	-13.96	-22.5	-4.69	-27.42	-33.07	-47.54	10.92	-47.54	-20.3600	-218.42
Операционный денежный поток, млрд ₹		-4.25	-17.39	-13.78	-22.28	-4.55	-27.14	-32.9	-47.34	11.25	-47.34	-20.1360	-219.85
Операционная прибыль, млрд ₹		1.76	2.58	6.08	4.62	1.8	4.81	11.05	22.9	25.31	22.9	13.17	69.67
Операционные расходы, млрд ₹		1.63	2.01	1.34	1.85	1.25	2.24	3.14	7.04	31.18	7.04	8.97	90.28
CAPEX, млрд ₹		0.085	0.0712	0.1772	0.2184	0.1456	0.2786	0.1732	0.1185	0.3365	0.1185	0.2105	18.24

	2018Q4	2019Q4	2020Q1	2020Q2	2020Q3	2020Q4	2021Q1	2021Q3	2021Q4	2022Q1	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	5 quarters average	CAGR 5
Капитализация, млрд ₹	48.89	105.59				109.12			95.77			149.16				255.47						143.02	19.33
Выручка, млрд ₹												8.6	9.73	11.11	12.17	12.72	14.46	15.04	14.34	13.64	13.87	14.27	-0.83
Чистая прибыль, млрд ₹												2.16	3.04	3.48	3.47	3.53	3.97	3.98	1.86	-0.9952	0.4721	1.86	-34.68
EV, млрд ₹										251.54	271.97	266.46	292.92		370.15	439.85	425.97	420.52	378.25		343.79	401.68	-4.81
EBIT, млрд ₹											3.64	3.71	4.23	5.02	5.99	6.84	6.7	7.09	6.52	6.05		6.64	-2.42
EBITDA, млрд ₹											3.77	3.84	4.35	5.14	6.11	6.97	6.84	7.24	6.69	6.2		6.79	-2.31
OIBDA, млрд ₹																10.27	9.56	10.35	11.35	13.24		10.95	5.21
Баланс стоимость, млрд ₹											43.89	45.98	51.07	51.07	57.98	61.69	65.7	65.7	69.88		69.56	66.51	2.43
FCF, млрд ₹				-5.63	-5.63		0.0196			0.0545	0.2564	0.2522	0.1065	0.2412	0.2456	0.2612						0.2213	0.70
Операционный денежный поток, млрд ₹					-5.57		0.0196	0.1643		0.0545	0.2564	0.2522	0.1065	0.2412	0.2456	0.2612						0.2213	0.70
Операционная прибыль, млрд ₹												3.71	4.23	4.67	5.99	6.84	6.7	7.09	6.52	6.05	6.13	6.50	-1.76
Операционные расходы, млрд ₹												0.889	0.8146	0.8407	0.9759	0.949	2.8	1.05	1.08	1.05	7.74	2.74	22.55
CAPEX, млрд ₹		0.0546	0.0546	0.0546	0.0546		0.1456	0.1284		0.2786	0.0684		0.1732		0.0527							0.1403	-16.31

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
Наличность, млрд ₹			3.32	1.3	5.74	6.45	23.6	15.81	13.41	11.07	12.71	11.07	15.32	-11.64
Short Term Investments ₹			-6.47	-15.95	0.7603	0.8878	1.07	0.9921	6.99	15.35	1.71	15.35	5.22	9.83
Long term investments ₹	0.002	0.002	0.002	0.002	0.469								0.0954	197.87
Total Receivables ₹		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	180.68	171.25	20.84
Чистые активы, млрд ₹	0.0257	0.0532	0.0668	0.0948	0.1874	0.8629	0.9165	1.07	0.9683			0.9683	0.8010	38.88
Активы, млрд ₹			35.64	52.18	73.57	125.9	150.59	173.95	218.58	288.46	278.02	288.46	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	218.41	204.46	218.41	164.92	13.32
Задолженность, млрд ₹			28.73	37.9	49.92	97.46	112.63	133.19	167.51	222.76	208.46	222.76	168.91	13.10
Чистый долг, млрд ₹			23.36	34.73	42.93	89.51	86.57	114.25	149.71	207.34	191.74	207.34	149.92	17.24
Долг, млрд ₹		22.33	41.78	57.46	74.74	151.01	171.64	200.5	163.12	218.41		218.41	180.94	7.66
Interest income ₹		1.89	2.99	3.52	4.12	5.78	9.29	9.84	10.91				7.99	21.50
Расходы на обслуживание долга ₹		0.1618	0.5197	0.6506	0.0878	0.0992	0.2293	0.2348	0.2308	2.18		2.18	0.5948	85.52
Чист. проц. доходы, млрд ₹			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
Амортизация, млрд ₹		0.0261	2.65	1.9	3.59	6.55	13.29	11.98	11.63	0.5115		0.5115	8.79	-39.95
Себестоимость, млрд ₹			3.69	4.16	5.67	8.04	12.45	13.52	17.3	21.02	26.79	21.02	18.22	16.56
Товарно материальные запасы ₹		17.73	24.77	34.28	45.16	-0.427	73.99	89.14	189.37	263.96		263.96	123.21	-461.59

	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	2024Q4	2025Q1	5 quarters average	CAGR 5
Наличность, млрд ₹															15.81		6.65	10.02	13.41		12.78	11.69	13.14	8.88	5.21		12.71	10.33	1.69
Short Term Investments ₹													1.95	0.9921	0.9921		0.932	2.83	6.99		1.3		2.07		2.12		1.71	2.84	-24.54
Long term investments ₹	1.67	1.67	0.002	0.002	0.3784	0.469	0.323																					0.2349	176.46
Total Receivables ₹								111.64	102.07		118.65		118.24		148.91		152.57	164.02	1.19		209.16		0.7855					105.55	-65.14
Total Current Assets ₹													133.4	106.98	106.98		160.15	174.04	211.16		223.24		264.75		242.95		257.5	239.92	4.05
Чистые активы, млрд ₹							0.8443	0.8629	0.8866		0.9165		0.9294		1.07		0.9944	0.98	0.9683		1.02							1.01	-0.95
Активы, млрд ₹															173.95		171.84	186.75	218.58		239.54	255.81	288.46	65.7	266.13		278.02	230.82	1.68
Short Term Debt ₹		18.18	21.23	21.23		26.07		55.61			62.23			71.3	71.3				163.12				98.71					93.33	9.67
Long Term Debt ₹												96.3	100.54		129.21		123.08	135.74	163.12		176.69		218.41		191.54		204.46	190.84	4.62
Задолженность, млрд ₹															133.19		126.91	139.68	167.51		181.56	194.13	222.76	-65.7	196.24		208.46	151.18	1.43
Чистый долг, млрд ₹															114.25		116.44	126.52	149.71		163.91	179.05	205.27	194.98	186.33		191.74	191.47	1.38
Долг, млрд ₹											171.64				200.5		123.08	136.54	326.25		176.69	190.74	218.41	203.86	191.54			196.25	1.63
Interest income ₹												2.49	2.29	2.39	2.67	2.74	2.56	2.87	2.74	3.82	4.15							3.23	10.14
Расходы на обслуживание долга ₹															1.59	1.59	1.39	0.8591	0.1484									1.12	-37.77
Чист. проц. доходы, млрд ₹									0.0648	0.0783	-1.51				2.67	2.74	2.56	2.87	2.74	3.82	4.15							3.23	10.14
Goodwill ₹											3.18	3.18	3.18	3.18	3.18		3.18	3.18	3.76		3.76	3.76						3.53	3.41
Амортизация, млрд ₹																	0.1282	0.1261	0.1249	0.1206	0.1228	0.1306	0.1375	0.1435	0.1719	0.1553		0.1478	3.53
Себестоимость, млрд ₹																		4.41	4.82	5.43	5.87	5.99	4.96	5.25	6.74	6.54	6.53	6.00	5.65
Товарно материальные запасы ₹																			189.37				263.96					226.66	18.06

Share

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS			23.15	23	8.9	22.2	51.82	90.41	33.27	90.41	41.32	30.18
Цена акции ао		383.25	767.95	755.85	597.85	915.3	1596.55	886.55	1181.4	1181.4	1035.53	14.59
Число акций ао, млн	128.43	144.76	145.15	150.96	156.42	159.02	159.42	159.93	159.72	159.93	158.90	0.42
FCF/акцию	-33.74	-120.63	-96.16	-149.07	-30	-172.44	-207.45	-297.26	68.34	-297.26	-127.7620	-217.90

	2014Q4	2015Q4	2016Q4	2017Q4	2018Q4	2019Q4	2020Q4	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	5 quarters average	CAGR 5
EPS												13.76	19.05	21.8	21.69	22.05	24.85	24.82	11.61	-6.24	2.96		11.60	-34.66
Цена акции ао									688.07	985.64	1010.71	951.25	918.94	1126.32	1370.57	1594.24					921.55	1181.4	1238.82	0.96
Число акций ао, млн	55.13	72.95	83.34	128.43	144.76	145.15	150.96	156.42				156.81				160.24							153.92	2.00
FCF/акцию		-32.17	-13	-33.99	-24.11	-38.76						1.61	0.6676	1.51	1.54	1.63							1.39	0.25

Efficiency

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %	11.62	8.73	13.6	12.2	3.63	9.21	18.19	24.77	7.86	24.77	16.86	12.73	16.71
ROA, %	2.25	2.39	4.37	2.65	0.89	2.18	4.21	5.7	1.88	5.7	4.25	2.97	16.13
ROIC, %								5.65		5.65	9.97	5.65	0.00
ROS, %	11.55	14.55	26.55	20.44	5.82	13.86	24.68	48.3	48.3	48.3	55.32	28.19	52.69
ROCE, %	-12.73	4.41	7.11	0.4284	-8.69	3.28	23.57	11.57	32.83	32.83	8.56	12.51	-230.45
Ebit margin, %				25.45	-7.09	12.84	36.37	72.05	72.05	72.05		37.24	-259.00
Рентаб EBITDA, %	25.42	29.46	43.46	40.9	43.38	59.88	71.11	73.76	73.76	73.76	61.72	64.38	11.20
Чистая рентаб, %	11.55	14.55	26.55	20.44	5.82	13.86	24.68	48.3	9.41	48.3	55.32	20.41	10.09
Operation Margin, %	25.36	30.1	50.19	28.28	7.84	18.88	33.03	76.48	76.48	76.48	56.13	42.54	57.71
Доходность FCF, %		-34.96	-17.35	-23.34	-4.53	-19.21	-16.48					-16.1820	-1.02

	2018Q4	2019Q4	2022Q1	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
ROE, %				3.92	4.69	5.95	6.82	6.97	6.61	6.93	6.53	2.9		0.8417		16.86	4.76	-33.78
ROA, %			0.9034	1	1.16	1.39		2.9	1.43	1.46	2.25	1.12		0.3396		4.25	1.32	-24.99
ROS, %						31.24	31.36	28.51	27.79	27.46	26.43	12.98	-7.3	3.4	48.3	55.32	16.76	12.82
ROCE, %			-2.16	8.11	7.89	8.28		3.79	3.77	2.58	3.36	2.99			32.83	8.56	9.11	54.17
Ebit margin, %								49.19	53.76	46.32	47.15	45.47	44.34		72.05		51.07	9.24
Рентаб EBITDA, %					44.64	44.73	46.25	50.2	54.79	47.27	48.1	46.67	45.48		73.76	61.72	52.26	9.31
Чистая рентаб, %					25.09	31.24	31.36	28.51	27.79	27.46	26.43	12.98	-7.3	3.4		55.32	12.59	-34.15
Operation Margin, %						43.45	42.06	49.19	53.76	46.32	47.15	45.47	44.34	44.2	76.48	56.13	51.53	10.16
Доходность FCF, %	-7.14	-5.33			0.1691				0.1022								-3.0497	-134.59

Coefficients

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E		40.08	25.01	28.9	77.24	39.53	17.33	15.28	28.61	15.28	36.28	35.60	-18.01
P/BV		3.5	3.4	3.53	2.8	3.42	2.8	3.36	2.19	3.36	3.47	2.91	-4.80
P/S		5.83	6.64	5.91	4.5	5.48	4.28	7.38	2.69	7.38	11.12	4.87	-9.78
P/FCF		-2.86	-5.76	-4.28	-22.06	-5.2	-6.07	-4.59	-4.59	-4.59	9.16	-8.5020	-26.95
E/P		0.025	0.04	0.0346	0.0129	0.0247	0.0412	0.0662	0.0662	0.0662	0.14	0.0422	38.69
EV/EBIT				32.77	-114.55	77.6	24.07	19.85	19.85	19.85		5.36	-170.43
EV/EBITDA		42.04	28.38	36.1	25.19	16.64	12.31	19.39		19.39	38.04	21.93	-11.69
EV/S		12.38	12.33	14.76	10.93	9.97	8.75	14.3	14.3	14.3	13.61	11.65	5.52
EV/FCF		-6.08	-10.71	-10.71	-53.61	-9.26	-8.86	-9.01	-9.01	-9.01	11.74	-17.9500	-30.00
Debt/EBITDA	23.64	22.77	14.19	22.63	17.19	13.15	6.85	9.89	9.89	9.89	17.17	11.39	-10.47
Netdebt/Ebitda	13.22	13.76	8.15	13.41	8.67	7.49	6.29	9.39	9.39	9.39	-0.25	8.25	1.61
Debt/Ratio	1.17	1.1	1.02	1.2	1.14	1.15	0.7463	0.7572	0.7572	0.7572	0.30	0.9101	-7.86
Debt/Equity	6.05	4.02	3.16	5.52	4.65	5.04	3.19	3.32	3.39	3.39	3.05	3.92	-6.13
Debt/Net Income	52.03	46.1	23.23	45.27	128.07	56.79	19.75	15.11	15.11	15.11	13.96	46.97	-34.78
PEG									-0.1918	-0.1918		-0.1918	0.00
Бета							0.8543	5.48	4.37	4.37	1.20	3.57	72.30
Индекс Альтмана		1.51	1.78	1.27	1.22	1.37	1.55	1.15	1.22	1.22	1.01	1.30	0.00

	2018Q4	2019Q4	2020Q1	2020Q4	2021Q1	2021Q4	2022Q1	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E								26.47	69.13	17.12	20.64	16.89	19.24	15.28	15.07	14.37		28.72		36.28	18.54	8.34
P/BV							3.37	3.46	3.24	2.8		3.56	4.23	3.36	1.72	2.75		2.19		3.47	2.85	-12.34
P/S									17.34	4.24	5.77	4.93	5.69	4.38	4.14	3.39	2.53	2.68		11.12	3.42	-9.36
P/FCF	-14.01	-18.77							591.45				978.06						-4.59	9.16	306.43	-20.00
E/P	0.0204	0.0102		-0.0071		0.0125			0.0145				0.0138						0.0662	0.14	0.0200	-256.29
EV/EBIT												61.81	64.34	63.6	59.28	58.02			19.85		53.02	-20.96
EV/EBITDA							108.87	32.77	25.53	18.84		19.21	19.64	17.12	15.49	13.64				38.04	17.02	-6.62
EV/S												30.4	34.59	29.46	27.95	26.38		24.79	14.3	13.61	24.58	-13.46
EV/FCF												1507.11	1683.97						-9.01	11.74	1060.69	-118.15
Debt/EBITDA							-265.18	32.64	35.56	74.95		28.91	27.38	31.95	28.17	28.62			9.89	17.17	25.20	-18.43
Netdebt/Ebitda							-151.11	30.87	32.95	34.39		26.82	25.7	30.03	26.94	27.85			9.39	-0.25	23.98	-18.24
Debt/Ratio			1.2		1.14		1.15			1.49		0.7376	0.7456	0.7572	3.1	0.7197			0.7572	0.30	1.22	0.31
Debt/Equity			5.52		4.65		5.04			6.39		3.05	3.09	3.32	3.1	2.74			3.39	3.05	3.13	1.87
Debt/Net Income			523.78		285.64		127.59			107.32		50.91	53.98	55	51.26	102.94			15.11	13.96	55.66	-22.48
PEG																			-0.1918		-0.1918	0.00
Бета																		0.2124	4.37	1.20	2.29	353.59
Индекс Альтмана									1.09									1.21	1.22	1.01	1.17	3.83

Dividends

IFRS

Reporting Annual Quarterly

	2024	2025	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	1.59		1.59		1.59	0.00
Дивиденд	10		10		10.00	0.00
Див доход, ао, %	0.7642		0.7642	1.35	0.7642	0.00
Дивиденды / прибыль, %	11.03	30	11.03	18.71	20.52	64.92
Dividend Coverage Ratio		9.07	9.07		9.07	0.00

	2025Q2	Industry average	5 quarters average	CAGR 5
Dividend Coverage Ratio	9.07		9.07	0.00

	Industry average	5 quarters average	CAGR 5

Other

IFRS

Reporting Annual

	2020	2021	2022	2023	2024	2025	LTM	CAGR 5
CAPEX/Выручка, %	1.34	0.6324	1.09	0.5175	0.3958	0.5957	0.3958	-1.19
Персонал, чел				16 759	16 759			0.00

	CAGR 5

	CAGR 5

Investing Port

CreditAccess Grameen Limited

Reporting CreditAccess Grameen Limited

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