CreditAccess Grameen Ltd (CREDITACC)
₹1,517.60
Mkt cap
₹24,329 Cr
P/E ratio
20.10
P/B
3.10
Div yield
0.00%
ROE
10.50%
ROCE
9.98%
EPS (TTM)
₹75.50
Book value
₹490
52W range
1,135–1,587
Sector
Financial Services
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]
Health check
Mixed
ValuationFair
ProfitabilityWeak
TechnicalsBullish
52-week range
−4.38% from high₹1,518
₹1,135+33.72% from low₹1,587
Current
₹1,517.60
Prev close
₹1,518.60
Day
−0.07%
Price performance
1D
−0.07%
1W
+1.31%
1M
+3.78%
3M
+22.73%
6M
+22.13%
1Y
+17.77%
YTD
+17.85%
Financials
FRevenue, profit & margin
P/E ratio
20.1×
CREDITACC is 11% below the sector median of 22.5×
CREDITACC20.1×
Sector median22.5×
| 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
EResults 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 +1.24% · closed higher next day 17 of last 28
| 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% | — |
| +1 day | +7.45% | −3.04% | −0.03% | +1.45% | −4.37% | +4.84% | −8.53% | +6.71% | −0.35% | +16.67% | −7.09% | — |
| +5 days | +14.92% | −6.92% | −0.50% | +2.41% | −5.56% | +11.79% | −5.06% | −3.12% | −9.45% | +2.04% | −13.24% | — |
| +15 days | +20.49% | −2.63% | −6.87% | −3.07% | −12.23% | +5.40% | +0.03% | +1.34% | −10.07% | +2.03% | −12.13% | — |
| +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
CLast 6 monthsNo recent corporate actions
Dividends, splits, and bonuses in the last six months show up here.
Shareholding
Sas of Jun 202666.21%Promoter
Promoters66.21%0.03
FIIs13.48%0.54
DIIs12.67%0.08
Public7.64%0.59
Ownership trend
Peers
P5 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. | ₹1,517.60 | 20.09 | 24,329 | 0.00% | 493 | +719.72% | 1,783 | +21.92% | 9.98% |
| Muthoot Microfin | ₹250.11 | 24.97 | 4,264 | 0.00% | 71 | +117.73% | 632 | +13.83% | 9.31% |
| Fusion Finance | ₹216.48 | 252.72 | 3,500 | 0.00% | 114 | +169.39% | 424 | −9.02% | 5.92% |
| Satin Creditcare | ₹268.87 | 8.94 | 2,970 | 0.00% | 162 | +640.16% | 920 | +49.48% | 13.84% |
| Spandana Sphoort | ₹261.50 | — | 2,112 | 0.00% | 12 | +103.30% | 284 | −5.51% | −5.81% |
| Median: 5 Co. | ₹261.50 | 22.53 | 3,500 | 0.00% | 114 | +169.39% | 632 | +13.83% | 9.31% |
Filings
DAnnual reports9
Concall transcripts80
PPTJul 2026RECJul 2026TranscriptMay 2026PPTMay 2026TranscriptJan 2026PPTJan 2026RECJan 2026TranscriptNov 2025PPTNov 2025RECNov 2025TranscriptJul 2025PPTJul 2025RECJul 2025TranscriptMay 2025PPTMay 2025RECMay 2025PPTMay 2025TranscriptJan 2025PPTJan 2025TranscriptOct 2024PPTOct 2024RECOct 2024TranscriptJul 2024PPTJul 2024
Credit ratings6
Announcements5
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome 7h - Audio recording of Q1 FY27 results conference call available on company website.Results - Financial Results - 24-07-2026 9h - Board approved Q1 FY27 results and NCD fund raises: ₹2,000 crore public issue, ₹1,000 crore private placement.Announcement under Regulation 30 (LODR)-Press Release / Media Release 9h - Q1 FY27 results: AUM rose 16.4% YoY to Rs 30,319 crore; PAT jumped 719.7% to Rs 493 crore.Announcement under Regulation 30 (LODR)-Investor Presentation 9hBoard Meeting Outcome for Outcome Of The Board Meeting - 24-07-2026 9h - Board approved Q1 FY27 results and up to ₹3,000 crore NCD fundraising.