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CreditAccess Grameen Limited (CREDITACC.NS)

INR1,477.50 +8.20 (+0.56%)
IN NSE Financial Services Financial - Credit Services
Address New No. 49 (Old No725) 46th Cross 560070
Bengaluru, KA, IN
CEO Ganesh Narayanan
Website creditaccessgrameen.in
IPO 2018-08-23
ISIN INE741K01010

Explore sections of this company profile

Also trades on Bombay Stock Exchange · CREDITACC.BO (INR) National Stock Exchange of India · CREDITACC.NS (INR)
Description

CreditAccess Grameen Limited, a non-banking financial company, provides micro finance services for women from poor and low-income households in India. The company offers microcredit loans for income generation, home improvement, emergency, family welfare, and Grameen Unnati, as well as Grameen Suraksha, Grameen Sanchay, life insurance, and national pension schemes. It also provides retail finance loans, such as Grameen Vikas, Unnati loan, Grameen two-wheeler, and Grameen housing loan. In addition, the company offers digital lending products comprising Grameen Mahi, a customer app, Pragathi digital and multi-purpose digital loans. The company was formerly known as Grameen Koota Financial Services Private Limited and changed its name to CreditAccess Grameen Limited in January 2018. CreditAccess Grameen Limited was incorporated in 1991 and is headquartered in Bengaluru, India. CreditAccess Grameen Limited is a subsidiary of CreditAccess India BV.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
INR1,477.50 +8.20 (+0.56%)
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Volume Profile
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Liquidity & share structure
Average Volume
611.8K
Beta
0.20
Float Shares
53.75M
Free Float %
33.6%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-1.08% -0.60% +21.09% +16.40% +8.15% +16.27% +27.38% +40.87% +148.92% +250.86% +250.86%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
1,477.50
DCF (Unlevered) 3,216.53 +117.7%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 87% Bullish
Rating 2026-05 Change
Strong Buy 4 +1
Buy 9 0
Hold 1 0
Sell 1 0
Strong Sell 0 0
Quality scores
Altman Z-Score
1.09
Distress
Piotroski F-Score
3 / 9
Average
MOAT Score
6 / 10
Developing
Composite Rating
C+
Overall Score
2 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
3 / 5
Medium
ROA Score
5 / 5
High
D/E Score
1 / 5
Low
P/E Score
1 / 5
Low
P/Book Score
1 / 5
Low
Operational MOAT
✗ Below peers
  • ✓
    Revenue growth Financial - Credit Services: +13.2%
    +8.6% Q1'26: +24.2% (vs Q1'25)
  • ✓
    EPS growth Financial - Credit Services: +24.0%
    +45.7% ★ Q1'26: +615.6% (vs Q1'25)
  • ✓
    FCF margin FCF growth · Financial - Credit Services: +70.9%
    +15.6% ★ Q1'26: +19.5% (vs Q1'25)
  • ✗
    EBIT margin Financial - Credit Services: +28.7%
    +17.2% Q1'26: +28.0% (vs Q1'25)
  • ✗
    ROIC Financial - Credit Services: +5.0%
    +2.6% Q1'26: +4.5% (vs Q1'25)
  • ✗
    Share dilution Financial - Credit Services: +0.0%
    +0.4% Q1'26: +0.5% (vs Q1'25)
  • ✗
    Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×
    21.56× Q1'26: 12.83× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
▶ WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.60) × ERP
WACC = 50% × Ke + 50% × Kd (4.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
—
Intrinsic value (base): 3,143.97 Current price: 1,477.50
Enterprise Value: — Equity Value: — Terminal Value: — TV as % of EV: —

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Mar 2019
actual 		Mar 2020
actual 		Mar 2021
actual 		Mar 2022
actual 		Mar 2023
actual 		Mar 2024
actual 		Mar 2025
actual 		Mar 2026
11 Rev. Ana.
13 EPS Ana. 		Mar 2027
11 Rev. Ana.
13 EPS Ana. 		Mar 2028
11 Rev. Ana.
13 EPS Ana. 		Mar 2029
2 Rev. Ana.
2 EPS Ana.
Revenue
12.13B
est: 8.67B (+39.9%)
16.42B
est: 11.22B (+46.3%)
22.87B
est: 14.33B (+59.6%)
25.47B
est: 17.57B (+44.9%)
32.97B
est: 23.34B (+41.3%)
49.05B
est: 31.12B (+57.6%)
55.39B
est: 38.14B (+45.2%)
41.40B
40.65B – 42.04B
+8.6% YoY
49.09B
40.11B – 52.17B
+18.6% YoY
58.28B
43.55B – 63.58B
+18.7% YoY
69.55B
67.89B – 71.20B
+19.3% YoY
EBITDA
5.95B
est: 2.54B (+133.9%)
5.65B
est: 1.36B (+314.9%)
3.75B
est: -1.22B (+407.3%)
7.15B
est: -1.50B (+576.2%)
13.14B
est: -1.85B (+809.8%)
22.08B
est: 9.25B (+138.7%)
9.69B
est: -2.86B (+438.8%)
12.31B
12.08B – 12.50B
+530.4% YoY
14.59B
11.92B – 15.51B
+18.6% YoY
17.33B
12.95B – 18.90B
+18.7% YoY
20.68B
20.18B – 21.17B
+19.3% YoY
EBIT
5.87B
est: 2.42B (+143.2%)
5.45B
est: 3.13B (+74.2%)
3.31B
est: 12.92B (-74.4%)
6.67B
est: 15.87B (-58.0%)
12.64B
est: 19.58B (-35.4%)
21.57B
est: 8.84B (+143.9%)
9.07B
est: 11.06B (-18.0%)
11.76B
11.55B – 11.94B
+6.4% YoY
13.95B
11.40B – 14.82B
+18.6% YoY
16.56B
12.37B – 18.07B
+18.7% YoY
19.76B
19.29B – 20.23B
+19.3% YoY
Net Income
3.22B
est: 3.58B (-10.1%)
3.34B
est: 4.71B (-29.2%)
1.34B
est: 4.16B (-67.8%)
3.53B
est: 5.12B (-31.0%)
8.26B
est: 6.31B (+30.9%)
14.46B
est: 14.95B (-3.3%)
5.31B
est: 5.25B (+1.3%)
7.78B
7.13B – 8.22B
+48.2% YoY
14.67B
13.90B – 17.16B
+88.7% YoY
19.13B
17.35B – 21.69B
+30.3% YoY
23.21B
22.23B – 25.59B
+21.4% YoY
SGA
171.70M
est: 107.54M (+59.7%)
364.60M
est: 4.07B (-91.1%)
337.70M
est: 4.95B (-93.2%)
322.30M
est: 6.08B (-94.7%)
461.90M
est: 7.50B (-93.8%)
486.50M
est: 294.30M (+65.3%)
592.70M
est: 367.96M (+61.1%)
391.53M
384.39M – 397.50M
+6.4% YoY
464.23M
379.28M – 493.35M
+18.6% YoY
551.16M
411.82M – 601.27M
+18.7% YoY
657.65M
641.98M – 673.32M
+19.3% YoY
EPS
23.37
est: 22.40 (+4.3%)
23.20
est: 24.01 (-3.4%)
8.96
est: 13.47 (-33.5%)
22.29
est: 22.37 (-0.4%)
52.04
est: 52.05 (0.0%)
90.88
est: 93.90 (-3.2%)
33.32
est: 36.01 (-7.5%)
47.78
44.43 – 51.20
+32.7% YoY
95.82
86.57 – 106.87
+100.6% YoY
122.11
108.06 – 135.08
+27.4% YoY
148.94
138.50 – 159.39
+22.0% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-11 C+ 2/5 1/5 3/5 5/5 1/5 1/5 1/5
2026-05-08 C 2/5 1/5 2/5 4/5 1/5 1/5 1/5
2026-05-07 C 2/5 1/5 2/5 4/5 1/5 1/5 1/5
2026-05-06 C 2/5 1/5 2/5 4/5 1/5 1/5 1/5
2026-05-05 C 2/5 1/5 2/5 4/5 1/5 1/5 1/5
2026-05-04 C 2/5 1/5 2/5 4/5 1/5 1/5 1/5
2026-04-30 C 2/5 1/5 2/5 5/5 1/5 1/5 1/5
2026-04-29 C+ 2/5 1/5 3/5 5/5 1/5 1/5 1/5
2026-04-28 C+ 2/5 1/5 3/5 5/5 1/5 1/5 1/5
2026-04-27 C+ 2/5 1/5 3/5 5/5 1/5 1/5 1/5
2026-04-24 C+ 2/5 1/5 3/5 5/5 1/5 1/5 1/5
2026-04-23 C+ 2/5 1/5 3/5 5/5 1/5 1/5 1/5
2026-04-22 C+ 2/5 1/5 3/5 5/5 1/5 1/5 1/5
2026-04-21 C+ 2/5 1/5 3/5 5/5 1/5 1/5 1/5
2026-04-20 C+ 2/5 1/5 3/5 5/5 1/5 1/5 1/5
2026-04-17 C+ 2/5 1/5 3/5 5/5 1/5 1/5 1/5
2026-04-16 C+ 2/5 1/5 3/5 5/5 1/5 1/5 1/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
126.09M
OE per share TTM
0.79
Owner's Yield
0.05%
Maintenance CapEx ratio
2.42%
Maint CapEx / Avg PPE
2.9%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock Held by 9 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 Vanguard FTSE Emerging Markets Shares ETF VGE.AX 0.01% 86.5K 0.48%
2 Vanguard FTSE Emerging Markets All Cap Index ETF VEE.TO 0.01% 195.1K 0.26%
3 Vanguard FTSE Global All Cap ex Canada Index ETF VXC.TO 0.00% 15.5K 0.22%
4 Vanguard All-Equity ETF Portfolio VEQT.TO 0.00% 46.6K 0.22%
5 Vanguard Growth ETF Portfolio VGRO.TO 0.00% 25.0K 0.22%
6 Vanguard Balanced ETF Portfolio VBAL.TO 0.00% 11.0K 0.22%
7 Vanguard Conservative ETF Portfolio VCNS.TO 0.00% 1.3K 0.22%
8 Vanguard Retirement Income ETF Portfolio VRIF.TO 0.00% 418.82 0.31%
9 Vanguard Conservative Income ETF Portfolio VCIP.TO 0.00% 199.44 0.22%

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
492.7K
Shares Outstanding
160.08M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Deepti Ramani Company Secretary & Compliance Officer — female
Firoz Anam Chief Risk Officer — male
Ganesh Narayanan MD, Chief Executive Officer & Director — male
Gopal A. R. Reddy Chief Business Officer of Retail Finance & Group Lending & Chief Business Officer of Rest Of India — male
Gururaj Kumar Kumar Rao Chief Operating Officer — male
H. N. Srivatsa Chief Business Officer of Retail Finance & Group Lending and Chief Business Officer – South — male
K. N. Nagananda Kumar Head of Internal Audit — male
Manian Head of Human Resources — male
Nilesh Shrikrishna Dalvi Chief Financial Officer and Head of Investor Relations & ESG — male
Sudesh Puthran Chief Technology Officer — male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend history

Earnings history

Earnings reports

Stock splits

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