CREDITACC
CREDITACCESS GRAMEEN LIMITED (CREDITACC) Stock Analysis
CREDITACCESS GRAMEEN LIMITED is a leading Indian microfinance institution serving women borrowers. It provides small group loans in rural and semi-urban India with a Grameen-style model. Portfolio growth and collection efficiency are critical metrics. The company is listed on Indian stock exchanges and is headquartered in India.
Financial Services › Credit Services
₹1,233.20
-2.71% 1W | -9.30% 52W
Market Cap
19.8k CR
P/E Ratio
16.4
52W High
₹1634
52W Low
₹1113
Div. Yield
0%
Beta
0.1
50 DMA
₹1388.2
200 DMA
₹1346.2
Profit Margin
39.8%
Inst. Own.
20.7%
✅ BOUNCE FROM SUPPORT
✅ BOUNCE FROM SUPPORT
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,170 | 1,247 | 1,292 | 1,457 | 1,512 | 1,453 | 1,380 | 1,407 | 1,463 | 1,508 | 1,490 | 1,597 | 1,783 |
| Interest | 385 | 424 | 442 | 482 | 510 | 485 | 475 | 478 | 482 | 480 | 459 | 478 | 550 |
| Expenses | 306 | 345 | 365 | 434 | 453 | 700 | 1,020 | 864 | 885 | 845 | 678 | 660 | 558 |
| Financing Profit | 479 | 478 | 486 | 542 | 549 | 269 | -115 | 65 | 96 | 184 | 353 | 459 | 675 |
| Financing Margin % | 41% | 38% | 38% | 37% | 36% | 18% | -8% | 5% | 7% | 12% | 24% | 29% | 38% |
| Other Income | 1 | 1 | 3 | 2 | 1 | 1 | 2 | 1 | 1 | 1 | 1 | 1 | 1 |
| Depreciation | 12 | 12 | 13 | 14 | 14 | 17 | 16 | 15 | 15 | 16 | 16 | 16 | 16 |
| Profit before tax | 467 | 467 | 476 | 529 | 535 | 252 | -129 | 51 | 81 | 169 | 338 | 445 | 660 |
| Tax % | 25% | 26% | 26% | 25% | 26% | 26% | -23% | 8% | 26% | 26% | 25% | 24% | 25% |
| Net Profit | 348 | 347 | 353 | 397 | 398 | 186 | -100 | 47 | 60 | 126 | 252 | 340 | 493 |
| EPS in Rs | 22.30 | 21.81 | 22.20 | 24.91 | 24.95 | 11.67 | -6.24 | 2.96 | 3.77 | 7.87 | 15.75 | 21.20 | 30.79 |
| Gross NPA % | 0.89% | 0.77% | 0.97% | 1.18% | 1.46% | 2.44% | 3.99% | 4.76% | 4.70% | 3.65% | 4.04% | 3.17% | 2.18% |
| Net NPA % | 0.27% | 0.24% | 0.29% | 0.35% | 0.45% | 0.76% | 1.28% | 1.73% | 1.78% | 1.26% | 1.36% | 1.12% | 0.76% |
| Metric | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,282 | 1,704 | 2,461 | 2,669 | 3,487 | 5,167 | 5,752 | 6,059 | 6,380 |
| Interest | 417 | 584 | 933 | 987 | 1,216 | 1,738 | 1,955 | 1,905 | 1,967 |
| Expenses | 361 | 640 | 1,308 | 1,235 | 1,179 | 1,444 | 3,030 | 3,061 | 2,740 |
| Financing Profit | 504 | 481 | 219 | 447 | 1,092 | 1,984 | 767 | 1,093 | 1,672 |
| Financing Margin % | 39% | 28% | 9% | 17% | 31% | 38% | 13% | 18% | 26% |
| Other Income | 1 | 1 | 5 | 81 | 64 | 6 | 4 | 4 | 4 |
| Depreciation | 8 | 20 | 44 | 47 | 50 | 51 | 62 | 63 | 64 |
| Profit before tax | 498 | 462 | 180 | 481 | 1,105 | 1,939 | 709 | 1,033 | 1,612 |
| Tax % | 35% | 27% | 27% | 27% | 25% | 25% | 25% | 25% | |
| Net Profit | 322 | 335 | 131 | 353 | 826 | 1,446 | 531 | 778 | 1,211 |
| EPS in Rs | 22.41 | 23.17 | 8.61 | 22.65 | 52.87 | 90.72 | 33.27 | 48.54 | 75.61 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 11% | 0% | 0% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 20.0% | 20.0% | – |
| Profit CAGR | -2.0% | 42.0% | – |
Shareholding Pattern
Promoters66.43%
FIIs12.13%
DIIs12.76%
Public8.67%
Promoters66.37%
FIIs12.29%
DIIs13.33%
Public8.02%
Promoters66.28%
FIIs11.68%
DIIs13.23%
Public8.81%
Promoters66.24%
FIIs12.94%
DIIs12.59%
Public8.23%
Promoters66.21%
FIIs13.48%
DIIs12.67%
Public7.64%
Promoters73.68%
FIIs9.67%
DIIs12.27%
Public4.38%
Promoters66.58%
FIIs11.65%
DIIs15.76%
Public6.01%
Promoters66.43%
FIIs11.38%
DIIs12.67%
Public9.50%
Promoters66.24%
FIIs12.94%
DIIs12.59%
Public8.23%
Promoters66.21%
FIIs13.48%
DIIs12.67%
Public7.64%
CREDITACC
Holdings Analysis
Key strengths & risk signals
65
Overall
63
Fundamental
68
Technical
Risks (4)
Cannot calculate PEG - insufficient growth data.
WEAK POSITION! Current price (1233.2) is below both moving averages.
NEGATIVE MOMENTUM! Price declined across timeframes - down 2.7% (1 week), 12.9% (1 month), 16.6% (3 months).
WEAK YEAR! Stock declined 9.3% in the last year.
Strengths (4)
EXCELLENT EFFICIENCY! 39.8% profit margin - company keeps strong profits.
BULLISH TREND! 50-day average (1388.2) is above 200-day average (1346.2) - positive signal.
LOW VOLATILITY! Beta of 0.10 - stable stock, less market risk.
BULLISH SENTIMENT! In last 30 days: 13 up days, 17 down days. Avg volume on up days: 199,073 vs down days: 154,489. Ratio: 1.29x
Fundamental & Technical Analysis
65Overall
63Fundamental
68Technical
Fundamental Breakdown
Growth Quality
17/30
Revenue CAGR: 20.9% (EXCELLENT, 15/15). Profit CAGR: -2.0% (DECLINING, 2/15).
Profit Margin
10/10
EXCELLENT EFFICIENCY! 39.8% profit margin - company keeps strong profits.
PEG Valuation
1/10
Cannot calculate PEG - insufficient growth data.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
Debt to Equity
2/10
VERY HIGH DEBT! D/E of 2.94 - significant risk.
Public Holding
20/20
VERY LESS PUBLIC HOLDING! 11.77% public ownership - strong promoter/institutional control.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
10/10
BULLISH TREND! 50-day average (1388.2) is above 200-day average (1346.2) - positive signal.
Price Position
2/10
WEAK POSITION! Current price (1233.2) is below both moving averages.
Trend Pattern
16/20
TESTING SUPPORT! Stock is at key support level.
52W Performance
3/10
WEAK YEAR! Stock declined 9.3% in the last year.
Volume Sentiment
25/30
BULLISH SENTIMENT! In last 30 days: 13 up days, 17 down days. Avg volume on up days: 199,073 vs down days: 154,489. Ratio: 1.29x
RSI
4/5
APPROACHING OVERSOLD! RSI at 36.3 - watch for reversal.
52W Range
2/5
LOWER HALF! Trading at 23.1% of 52W range - weakness visible.
Momentum
1/5
NEGATIVE MOMENTUM! Price declined across timeframes - down 2.7% (1 week), 12.9% (1 month), 16.6% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.10 - stable stock, less market risk.
CREDITACC
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-07-29 | Concall PDF | |
| Q2FY262026-01-27 | Concall PDF |
Peer Comparison
Financial Services · Credit Services · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| CREDITACC | ₹1,233.20 | 16.4 | 39.8% | 20.9% | -2.0% | -9.3% | 65 | BOUNCE FROM SUPPORT | +719.6% | +45.3% | +23.6% | +11.1% |
| IFCI | ₹67.00 | 104.7 | 12.7% | 11.5% | – | +23.0% | 62 | CONSOLIDATING DOWN | -16.0% | +153.8% | -28.5% | -34.4% |
| FIVESTAR | ₹506.10 | 13.5 | 47.8% | 27.5% | 22.1% | -2.9% | 63 | APPROACHING SUPPORT | +1.9% | +0.8% | +6.1% | +1.4% |
| SBFC | ₹85.20 | 19.7 | 44.9% | 37.0% | 44.4% | -22.3% | 66 | APPROACHING SUPPORT | +28.9% | +5.9% | +28.3% | +8.2% |
| PAISALO | ₹81.50 | 29.4 | 45.8% | 52.7% | 36.3% | +104.4% | 89 | CONSOLIDATING UP | +29.9% | -15.1% | +18.9% | -0.5% |
| TFCILTD | ₹155.70 | 46.8 | 67.8% | 6.1% | 12.0% | +118.8% | 75 | BREAKOUT | +100.0% | +91.3% | +32.1% | +7.4% |
| KISSHT | ₹346.80 | 18.2 | 15.1% | 16.6% | 140.9% | +77.2% | 74 | BREAKDOWN | +59.3% | +59.3% | +44.6% | +44.6% |
| FEDFINA | ₹161.90 | 14.1 | 30.2% | 23.5% | 24.0% | +5.1% | 82 | BOUNCE FROM SUPPORT | +52.5% | +13.8% | +30.8% | +9.0% |
Data from TradeAlone · Updated daily
CREDITACC News
Creditaccess Grameen Limited (creditacc) Q2 & H1 FY27: Financial Performance and Strategic Vision2026-10-22Creditaccess Grameen Limited Expands its Global Lender Base with USD 175 Million Syndicated Social Loan Facility2026-10-12Creditaccess Grameen Limited Secures INR 300 Crore Through Bilateral NCD Issuance2026-09-03CreditAccess Grameen Limited (NSE: CREDITACC) gains 5% intraday, nears resistance2026-07-27Creditaccess Grameen Limited (creditacc) Q1 FY27: AUM Growth, Retail Finance Share Up2026-07-24CreditAccess Grameen Limited (CREDITACC) gains 6% intraday2026-06-24CreditAccess Grameen Limited’s Q4 FY25-26 Results Show Strong Growth2026-05-08Q4 & FY26 Results: CreditAccess Grameen Limited’s Profitable Growth2026-05-08
