Credit Access Grameen

961.00
+37.20
(4.03%)
Market Cap
15,334.42
Eps
90.88
PE Ratio (TTM)
16.89
Dividend Yield
1.07
Industry
Financial Services
52 Week High
1,660.00
52 Week low
750.20
PB Ratio
2.13
Debt to Equity
3.27
Sector
Microfinance
Add Ratio

Investment Returns

In Long Term
In Short Term
1 Year
0.00%
2 Years
0.00%
3 Years
0.00%
4 Years
0.00%
5 Years
0.00%

Company News

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positive
CRED: First Fintech to Launch E-Rupee Wallet with RBI16 hours ago
CRED has launched an e-rupee pilot in collaboration with RBI and Yes Bank, becoming the first fintech platform to partner with RBI on central bank digital currency. The wallet supports transactions up to Rs 10,000 per transfer, with a daily limit of Rs 50,000 and storage up to Rs 1 lakh. Future updates will include programmable merchant payments and PIN-less transactions for small amounts.
negative
CreditAccess Grameen: Share Price Plummets 18% Post Q3 Results1 day ago
CreditAccess Grameen's share price dropped 18% to a 52-week low of ₹750.05 following the release of its Q3 results. The stock opened at ₹851 and was trading at ₹779.95, down 14.66% at 10:15 AM.
negative
CreditAccess Grameen: Shares Plummet 17% on Revised Guidance1 day ago
CreditAccess Grameen's shares fell 17% after lowering FY guidance. Loan growth forecast reduced to 7-8%. Credit costs expected to rise to 6.7-6.9%. Q3 results show increased NPAs and a net loss of ₹99.5 crore. Provisions jumped 500% year-over-year.
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Growth Rate
Revenue Growth
45.67 %
Net Income Growth
75.03 %
Cash Flow Change
-43.89 %
ROE
36.03 %
ROCE
19.41 %
EBITDA Margin (Avg.)
7.92 %

Yearly Financial Results

Annual Financials
2019
2020
2021
2022
2023
2024
TTM
Revenue
1,283
1,706
2,466
2,750
3,551
5,173
5,808
Expenses
361
645
1,313
1,238
1,183
1,450
2,608
EBITDA
922
1,060
1,153
1,512
2,368
3,723
3,200
Operating Profit %
72 %
62 %
47 %
54 %
66 %
72 %
55 %
Depreciation
8
20
44
47
50
51
61
Interest
417
578
929
984
1,213
1,732
1,952
Profit Before Tax
498
462
180
481
1,105
1,939
1,187
Tax
176
126
49
128
279
493
306
Net Profit
322
336
131
353
826
1,446
881
EPS in ₹
23.37
23.20
8.96
22.29
52.04
90.88
55.30

Balance Sheet

Balance Sheet
2019
2020
2021
2022
2023
2024
Total Assets
7,357
12,590
15,060
17,482
21,858
28,846
Fixed Assets
25
577
573
629
599
609
Current Assets
684
809
2,662
1,929
1,676
1,552
Capital Work in Progress
2
3
1
3
4
5
Investments
0
46
1
1
455
1,439
Other Assets
7,330
11,965
14,486
16,849
20,801
26,794
Total Liabilities
7,357
12,590
15,060
17,482
21,858
28,846
Current Liabilities
284
207
323
394
439
435
Non Current Liabilities
4,708
9,540
10,941
12,921
16,312
21,841
Total Equity
2,365
2,843
3,796
4,167
5,107
6,570
Reserve & Surplus
2,222
2,590
3,536
4,011
4,948
6,411
Share Capital
144
144
156
156
159
159

Cash Flow

Cash Flow
2019
2020
2021
2022
2023
2024
Net Cash Flow
444
54
1,715
-780
-239
-234
Investing Activities
-7
-608
24
-33
-314
-994
Operating Activities
-1,378
-2,253
-455
-2,714
-3,290
-4,734
Financing Activities
1,829
2,915
2,146
1,967
3,365
5,494

Share Holding

% Holding
Mar 2021
Jun 2021
Sept 2021
Dec 2021
Mar 2022
Jun 2022
Sept 2022
Dec 2022
Mar 2023
Jun 2023
Sept 2023
Dec 2023
Mar 2024
Jun 2024
Sept 2024
Dec 2024
Promoter
73.99 %
73.97 %
73.91 %
73.89 %
73.85 %
73.82 %
73.74 %
73.71 %
73.68 %
66.77 %
66.69 %
66.66 %
66.58 %
66.56 %
66.54 %
66.50 %
FIIs
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
11.65 %
10.88 %
10.76 %
9.76 %
DIIs
6.53 %
7.11 %
8.62 %
10.01 %
10.88 %
10.67 %
12.54 %
12.55 %
12.28 %
11.78 %
15.77 %
15.58 %
15.76 %
16.25 %
14.86 %
14.18 %
Government
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
Public / Retail
3.09 %
2.97 %
3.36 %
3.59 %
3.37 %
3.57 %
3.58 %
3.51 %
3.72 %
4.56 %
5.06 %
4.78 %
5.20 %
5.41 %
6.71 %
8.28 %
No of Share Holders
0
38,456
38,300
40,033
39,559
34,568
34,142
39,645
41,979
40,622
51,172
57,989
69,824
83,603
1,03,928
1,25,004

Dividend History

Dividends per share (FY)
Dividend yield (FY) %
Annual Cash Flows 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Dividend Per Share (₹) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1 0.00
Dividend Yield (%) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.11 0.00
Competitors LTP Market Cap (₹ Cr.) P/E Ratio Revenue (₹ Cr.) YoY Revenue Growth % Net Profit (₹ Cr.) YoY Profit Growth % RSI
961.00 15,334.42 16.89 5,172.60 45.67 1,446 -128.16 53.58
163.10 2,780.73 6.61 2,285.50 58.02 450 -43.80 31.87
310.05 2,210.82 25.54 2,533.90 71.56 501 -445.53 38.41
161.20 1,628.51 5.13 2,412.40 34.02 505 -342.64 35.36
145.16 1,603.60 4.07 2,240.50 44.46 436 -58.15 42.70

Corporate Action

Technical Indicators

RSI(14)
Neutral
53.58
ATR(14)
Volatile
72.95
STOCH(9,6)
Neutral
55.00
STOCH RSI(14)
Oversold
17.23
MACD(12,26)
Bearish
-0.57
ADX(14)
Weak Trend
24.99
UO(9)
Bearish
56.50
ROC(12)
Downtrend But Slowing Down
-1.56
WillR(14)
Neutral
-25.64