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INVESTMENT INSIGHTS

Check Before You Invest : CreditAccess Grameen Ltd

BSE: 541770 NSE: CREDITACC ISIN: INE741K01010
  |   Sector:  BFSI   |   Industry:  Finance - NBFC

Snapshot

Q.1 Which industry/sub-sector does CreditAccess Grameen Ltd belong to?
CreditAccess Grameen Ltd belongs to the BFSI sector, operating specifically within the Finance - NBFC segment.
Q.2 Is CreditAccess Grameen Ltd a good quality company?
CreditAccess Grameen Ltd is a good quality company, based on a consistently good 10-year financial track record.
Q.3 Is CreditAccess Grameen Ltd undervalued or overvalued?
CreditAccess Grameen Ltd appears Somewhat Undervalued, as its key valuation ratios are below with their past averages.
Q.4 Is CreditAccess Grameen Ltd a good buy now?
CreditAccess Grameen Ltd is a good buy now, based on strong price trend analysis suggesting prices may rise. However, you need to check its quality and valuation before making a decision

Performance Analysis

Q.1 Total Income growth of CreditAccess Grameen Ltd?
CreditAccess Grameen Ltd Operating Income growth is 11.34% for FY-2025, which is below its 5-year CAGR of 27.86%, indicating slower growth.
Q.2 Return on Assets of CreditAccess Grameen Ltd?
CreditAccess Grameen Ltd Return on Asset is 1.8%, which is below its 5-year historical median of 2.3%, indicating deteriorated earnings on assets.
Current Level 5-year
Historic Median
NPM% 9.24 12.87
PPOP% 10.71 28.27
RoA% 1.8 2.3
Q.3 Return on Equity (ROE) of CreditAccess Grameen Ltd?
CreditAccess Grameen Ltd Return on Equity is 7.9% for FY-2025, which is below its 5-year historical median of 9.1%, indicating the business is making worse use of its shareholders capital.
Q.4 Pre-provisioning operating profit margin of CreditAccess Grameen Ltd?
CreditAccess Grameen Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is 10.71% for FY-2025, which is below its 5-year median(28.27%), indicating decreasing margins.
Q.5 Net Profit Margin of CreditAccess Grameen Ltd?
CreditAccess Grameen Ltd Net Profit Margin, which is the difference between the rate of interest earned on assets and the rate of interest paid on liabilities, is 9.24% for FY-2025, which is below its 5-year median( 12.87%), indicating decreasing margins.
Q.6 Total Asset growth of CreditAccess Grameen Ltd?
CreditAccess Grameen Ltd Total Asset growth is -3.52% for FY-2025, which is below its 5-year CAGR of 21.26%, indicating slower growth.
Q.7 Capital Adequacy ratio of CreditAccess Grameen Ltd?
CreditAccess Grameen Ltd Capital Adequacy ratio (CAR) is 25.4% for FY-2025, which is above the regulatory requirement of 15%, indicating strong capital position.

Ownership & governance

Q.1 Promoter shareholding and pledge status of CreditAccess Grameen Ltd?
Promoters hold 66.24% of the CreditAccess Grameen Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

Q.1 AUM Growth of CreditAccess Grameen Ltd vs Industry Peers?
CreditAccess Grameen Ltd AUM CAGR is 21.26%, compared to the 5-year industry median CAGR of 9.9%, indicating faster growth and gaining its market share.
Q.2 Profit metrics (NPM, PPOP, RoA) of CreditAccess Grameen Ltd vs industry peers
CreditAccess Grameen Ltd profit metrics are in line with the industry median level of 7.31%, indicating similar profitability compared to peers.
Profit Metrics
Current Level 5-year
Industry Median
NPM% 9.24 15.95
PPOP% 10.71 4.54
RoA% 1.8 1.45
Q.3 Operating efficiency of CreditAccess Grameen Ltd vs industry peers?
CreditAccess Grameen Ltd ROCE (10) is above the industry median of (4.4); while the current ROE (9.1) are above than the 5-year average Industry ROE (2.7). This shows that the business is positioned in the top quartile of the industry.
Operating Efficiency
Current Level 5-year
Industry Median
NPM% 9.24 15.95
PPOP% 10.71 4.54
RoA% 1.8 1.45
ROCE% 9.6 4.4
ROE% 7.9 2.7

Valuation & price assessment

Q.1 Stock return of CreditAccess Grameen Ltd over the last decade?
Over the last 5 years, the stock has delivered a CAGR of 16.92% based on the current price.
Q.2 What return has the stock given over the last decade?
9Y 5Y 3Y 1Y
Share Price
CAGR		 - 16.9% 10% 11.8%
Q.3 How do the current valuation ratios compare with 5-year historical median and industry numbers?
Valuation Ratios Current 5-year
Historic Median		 5-year
Industry Median
Price to Earnings 42.88 26.01 28.96
Price to Book 2.81 3.13 1.11
Price to Sales 3.57 4.96 9.10
EV to EBITDA 14.91 14.10 11.77
Q.4 Valuation ratios of CreditAccess Grameen Ltdvs historical and industry averages?
The current Price to book ratio (P/B) 2.81% is lower than its historical median of 3.13%, indicating that at the current price the stock is undervalued. However, you need a deeper analysis to make a better judgement.

Strategic outlook

Q.1 Does its ROIC exceed its WACC?
CreditAccess Grameen Ltd return on invested capital (ROIC) is 6.81% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 13.5%, indicating value erosion.

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3. CreditAccess Grameen
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5. Five Star Business
6. Edelweiss Financial
7. SBFC Finance
8. Bengal & Assam
9. MAS Financial Serv
10. Fedbank Financial

Check trending companies

1. Force Motors Ltd.
2. KEI Industries Ltd.
3. Aadhar Housing Finance Ltd.
4. State Bank Of India
5. Power Finance Corporation Ltd.
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