CreditAccess Grameen Ltd (CREDITACC)
₹1,426.30
Mkt cap
₹23,155 Cr
P/E ratio
19.10
P/B
2.91
Div yield
0.00%
ROE
10.50%
ROCE
9.98%
EPS (TTM)
₹74.68
Book value
₹490
52W range
1,135–1,614
Sector
Financial Services
Price history
Previous close
CreditAccess Grameen Limited is registered as a non-deposit accepting NBFC - Microfinance Institution with the RBI. It is engaged in providing microfinance services to women who are enrolled as members and organized as Joint Liability Groups. It also uses its distribution channel to provide certain other financial products and services to the members. [1]
NSE CREDITACCBSE 541770
Health check
Cautious
ValuationFair
ProfitabilityWeak
TechnicalsNeutral
52-week range
−11.63% from high₹1,426
₹1,135+25.68% from low₹1,614
Current
₹1,426.30
Prev close
₹1,440.00
Day
−0.95%
Price performance
1D
−0.95%
1W
+4.61%
1M
−6.39%
3M
+12.27%
6M
+16.39%
1Y
+1.65%
YTD
+10.76%
Financials
Revenue, profit & margin
P/E ratio
19.1×
CREDITACC is 14% above the sector median of 16.7×
CREDITACC19.1×
Sector median16.7×
| 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 | Trend | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 | 309 | 342 | 365 | 434 | 453 | 700 | 1,020 | 864 | 885 | 845 | 678 | 660 | 558 | |
| Financing Profit | 477 | 481 | 486 | 542 | 549 | 269 | -115 | 65 | 96 | 184 | 353 | 459 | 675 | |
| Financing Margin % | 41% | 39% | 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 | 465 | 469 | 476 | 529 | 535 | 252 | -129 | 51 | 81 | 169 | 338 | 445 | 660 | |
| Tax % | 26% | 26% | 26% | 25% | 26% | 26% | -23% | 8% | 26% | 26% | 25% | 24% | 25% | |
| Net Profit | 346 | 349 | 353 | 397 | 398 | 186 | -100 | 47 | 60 | 126 | 252 | 340 | 493 | |
| EPS in Rs | 22.16 | 21.95 | 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% | |
| Raw PDF |
Earnings
Results dates & reactionsNo upcoming results date on calendar.
Fresh quarters land in the Financials table above, tagged NSE until screener catches up.
Avg earnings-day move +1.37% · closed higher next day 18 of last 29
| Q2FY24 | Q3FY24 | Q4FY24 | Q1FY25 | Q2FY25 | Q3FY25 | Q4FY25 | Q1FY26 | Q2FY26 | Q3FY26 | Q4FY26 | Q1FY27 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Broadcast | 20 Oct '23◦ | 19 Jan '24◦ | 7 May '24◦ | 19 Jul '24◦ | 25 Oct '24◦ | 24 Jan '25◦ | 16 May '25◦ | 22 Jul '25◦ | 28 Oct '25◦ | 20 Jan '26◦ | 8 May '26◦ | 24 Jul '26◦ |
| Earnings day | +8.46% | −0.49% | +0.56% | −1.35% | −2.45% | +0.79% | −6.99% | +5.88% | −4.97% | +9.06% | −1.08% | +4.84% |
| +1 day | +7.45% | −3.04% | −0.03% | +1.45% | −4.37% | +4.84% | −8.53% | +6.71% | −0.35% | +16.67% | −7.09% | +3.89% |
| +5 days | +14.92% | −6.92% | −0.50% | +2.41% | −5.56% | +11.79% | −5.06% | −3.12% | −9.45% | +2.04% | −13.24% | +2.68% |
| +15 days | +20.49% | −2.63% | −6.87% | −3.07% | −12.23% | +5.40% | +0.03% | +1.34% | −10.07% | +2.03% | −12.13% | +1.38% |
| +30 days | +23.38% | −14.36% | +4.25% | −5.82% | −8.94% | +2.20% | +0.42% | +4.71% | −13.53% | −3.20% | −8.43% | — |
| Filing | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL |
Corporate actions
Last 6 monthsNo recent corporate actions
Dividends, splits, and bonuses in the last six months show up here.
Shareholding
as of Jun 202666.21%Promoter
Promoters66.21%0.03
FIIs13.48%0.54
DIIs12.67%0.08
Public7.64%0.59
Ownership trend
Peers
5 companiesValuation vs quality
P/E × ROCE · bubble = market cap| Name | CMP | P/E | Mkt Cap | Div Yld | NP Qtr | Qtr Profit Var | Sales Qtr | Qtr Sales Var | ROCE |
|---|---|---|---|---|---|---|---|---|---|
| CREDITACC | ₹1,443.10 | 19.12 | 23,155 | 0.00% | 493 | +719.72% | 1,783 | +21.92% | 9.98% |
| MUTHOOTMF | ₹205.29 | 14.26 | 3,500 | 0.00% | 81 | +1,216.18% | 669 | +19.69% | 9.31% |
| FUSION | ₹203.19 | 19.52 | 3,290 | 0.00% | 62 | +167.65% | 458 | +3.59% | 5.92% |
| SATIN | ₹220.75 | 5.95 | 2,439 | 0.00% | 123 | +172.00% | 762 | +8.39% | 13.84% |
| SPANDANA | ₹239.81 | — | 1,710 | 0.00% | 12 | +103.30% | 284 | −5.51% | −5.78% |
| Median: 5 Co. | ₹220.75 | 16.69 | 3,290 | 0.00% | 81 | +172.00% | 669 | +8.39% | 9.31% |
Filings
Annual reports9
Concall transcripts81
TranscriptJul 2026PPTJul 2026RECJul 2026TranscriptMay 2026PPTMay 2026TranscriptJan 2026PPTJan 2026RECJan 2026TranscriptNov 2025PPTNov 2025RECNov 2025TranscriptJul 2025PPTJul 2025RECJul 2025TranscriptMay 2025PPTMay 2025RECMay 2025PPTMay 2025TranscriptJan 2025PPTJan 2025TranscriptOct 2024PPTOct 2024RECOct 2024TranscriptJul 2024
Credit ratings6
Announcements5
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS 4 Sep - Allotment of Equity Shares under Employee Stock option Plan of the CompanyAnnouncement under Regulation 30 (LODR)-Press Release / Media Release 3 Sep - CreditAccess Grameen raised INR 300 crore via fully subscribed bilateral NCDs on September 3, 2026.Announcement under Regulation 30 (LODR)-Allotment 2 Sep - Allotted ₹300 crore secured NCDs in two series on September 2, 2026.Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS 20 Aug - Allotment of Equity Shares under Employee Stock Option Plan of the CompanyAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 19 Aug - Intimation of Schedule of Investor's Meeting on 21st August 2026