CreditAccess Grameen Ltd (CREDITACC)
₹1,023.60
Mkt cap
₹16,434 Cr
P/E ratio
10.40
P/B
1.84
Div yield
0.00%
ROE
10.50%
ROCE
9.98%
EPS (TTM)
₹98.42
Book value
₹556
52W range
994–1,634
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
TechnicalsBearish
52-week range
−37.36% from high₹1,024
₹994+2.99% from low₹1,634
Current
₹1,023.60
Prev close
₹1,038.40
Day
−1.43%
Price performance
1D
−1.60%
1W
−0.55%
1M
−15.99%
3M
−36.69%
6M
−20.74%
1Y
−23.40%
YTD
−20.51%
Financials
Revenue, profit & margin
P/E ratio
10.4×
CREDITACC is 5% above the sector median of 9.9×
CREDITACC10.4×
Sector median9.9×
| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 | Trend | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,247 | 1,292 | 1,457 | 1,512 | 1,453 | 1,380 | 1,407 | 1,463 | 1,508 | 1,490 | 1,597 | 1,783 | 1,904 | |
| Interest | 424 | 442 | 482 | 510 | 485 | 475 | 478 | 482 | 480 | 459 | 478 | 550 | 553 | |
| Expenses | 342 | 365 | 434 | 453 | 700 | 1,020 | 864 | 885 | 845 | 678 | 660 | 558 | 664 | |
| Financing Profit | 481 | 486 | 542 | 549 | 269 | -115 | 65 | 96 | 184 | 353 | 459 | 675 | 687 | |
| Financing Margin % | 39% | 38% | 37% | 36% | 18% | -8% | 5% | 7% | 12% | 24% | 29% | 38% | 36% | |
| Other Income | 1 | 3 | 2 | 1 | 1 | 2 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |
| Depreciation | 12 | 13 | 14 | 14 | 17 | 16 | 15 | 15 | 16 | 16 | 16 | 16 | 17 | |
| Profit before tax | 469 | 476 | 529 | 535 | 252 | -129 | 51 | 81 | 169 | 338 | 445 | 660 | 671 | |
| Tax % | 26% | 26% | 25% | 26% | 26% | -23% | 8% | 26% | 26% | 25% | 24% | 25% | 25% | |
| Net Profit | 349 | 353 | 397 | 398 | 186 | -100 | 47 | 60 | 126 | 252 | 340 | 493 | 502 | |
| EPS in Rs | 21.95 | 22.20 | 24.91 | 24.95 | 11.67 | -6.24 | 2.96 | 3.77 | 7.87 | 15.75 | 21.20 | 30.79 | 31.25 | |
| Gross NPA % | 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 % | 0.24% | 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 +1.13% · closed higher next day 18 of last 30
| Q3FY24 | Q4FY24 | Q1FY25 | Q2FY25 | Q3FY25 | Q4FY25 | Q1FY26 | Q2FY26 | Q3FY26 | Q4FY26 | Q1FY27 | Q2FY27 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Broadcast | 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◦ | 22 Oct '26◦ |
| Earnings day | −0.49% | +0.56% | −1.35% | −2.45% | +0.79% | −6.99% | +5.88% | −4.97% | +9.06% | −1.08% | +4.84% | −5.61% |
| +1 day | −3.04% | −0.03% | +1.45% | −4.37% | +4.84% | −8.53% | +6.71% | −0.35% | +16.67% | −7.09% | +3.89% | −8.36% |
| +5 days | −6.92% | −0.50% | +2.41% | −5.56% | +11.79% | −5.06% | −3.12% | −9.45% | +2.04% | −13.24% | +2.68% | −6.13% |
| +15 days | −2.63% | −6.87% | −3.07% | −12.23% | +5.40% | +0.03% | +1.34% | −10.07% | +2.03% | −12.13% | +1.38% | — |
| +30 days | −14.36% | +4.25% | −5.82% | −8.94% | +2.20% | +0.42% | +4.71% | −13.53% | −3.20% | −8.43% | −5.96% | — |
| 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 Sep 202663.83%Promoter
Promoters63.83%2.38
FIIs14.73%1.25
DIIs13.77%1.10
Public7.68%0.04
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. Gram. | ₹1,023.60 | 10.36 | 16,434 | 0.00% | 502 | +298.67% | 1,904 | +26.21% | 9.98% |
| Satin Creditcare | ₹238.91 | 4.96 | 2,639 | 0.00% | 176 | +230.93% | 926 | +18.61% | 13.84% |
| Muthoot Microfin | ₹134.88 | 9.37 | 2,300 | 0.00% | 81 | +1,216.18% | 669 | +19.69% | 9.31% |
| Fusion Finance | ₹129.24 | 12.42 | 2,093 | 0.00% | 62 | +167.65% | 458 | +3.59% | 5.92% |
| Spandana Sphoort | ₹189.06 | — | 1,993 | 0.00% | 18 | +107.32% | 325 | +41.54% | −5.78% |
| Median: 5 Co. | ₹189.06 | 9.86 | 2,300 | 0.00% | 81 | +230.93% | 669 | +19.69% | 9.31% |
Filings
Annual reports9
Concall transcripts84
TranscriptOct 2026PPTOct 2026RECOct 2026TranscriptJul 2026PPTJul 2026RECJul 2026TranscriptMay 2026PPTMay 2026TranscriptJan 2026PPTJan 2026RECJan 2026TranscriptNov 2025PPTNov 2025RECNov 2025TranscriptJul 2025PPTJul 2025RECJul 2025TranscriptMay 2025PPTMay 2025PPTMay 2025RECMay 2025TranscriptJan 2025PPTJan 2025TranscriptOct 2024
Credit ratings6
Announcements5
Announcement under Regulation 30 (LODR)-Earnings Call Transcript 26 Oct - Transcript of the Conference Call For Q2 FY27 ResultsAnnouncement under Regulation 30 (LODR)-Newspaper Publication 23 Oct - The copies of newspaper publications of the unaudited financial results of the quarter and half year ended 30-09-2026.Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome 22 Oct - Q2 FY27 results conference call audio recording available on website after October 22, 2026 call.Announcement under Regulation 30 (LODR)-Change in Management 22 Oct - Board approved Q2 FY27 results and appointed Sharp & Tannan as joint statutory auditor for 3 years.Announcement under Regulation 30 (LODR)-Press Release / Media Release 22 Oct - Q2 FY27 PAT rose 298.7% YoY to INR 502 crore; FY27 ROA and ROE guidance raised.