CreditAccess Grameen Ltd.

₹1,292.3

-28.3 (-2.1%)

CREDITACC Share Price

Finance

As on January 28, 2026

SectorFinancial Services

IndustryFinance

Basic IndustryMicrofinance Institutions

Market Cap₹ 20,614 Cr

P/E Ratio38.84

Dividend YieldN/A

Trendline Performance

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T&C*

Technicals

Indicators	Value	Signal
5-DMA	1,362.12	Bearish
10-DMA	1,320.75	Bearish
20-DMA	1,310.76	Bearish
50-DMA	1,311.45	Bearish
100-DMA	1,340.48	Bearish
200-DMA	1,277.9	Bullish

Historical Performance

1 Year

34.5%

3 Years

48.7%

5 Years

82.1%

10 Years

N/A

Shareholding Pattern

Values Analysis

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Profit & Loss

Below figures are in Rs. Crores

Particulars	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021
Other Income	38	60	57	73	51
Operating Profit	27,261	37,287	23,714	15,154	11,578
Interest	19,550	17,384	12,161	9,874	9,333
Depreciation	622	512	498	472	441
Profit Before Tax	7,089	19,392	11,054	4,808	1,804
Consolidated Net Profit	5,314	14,459	8,261	3,531	1,340
Adjusted EPS	33	91	52	23	9

Compounded Sales Growth

10 Years:84.6

5 Years:27.9

3 Years:16

TTM:2.2

Compounded Profit Growth

10 Years:60.8

5 Years:10.2

3 Years:8.5

TTM:-18.1

Stock Price CAGR

10 Years:N/A

5 Years:13.2

3 Years:14.1

TTM:20.9

Return on Equity

10 Years:11.5

5 Years:9.2

3 Years:52

last year:33.3

Quarterly Results

Below figures are in Rs. Crores

Particulars	Sep-2024	Dec-2024	Mar-2025	Jul-2025	Sep-2025
Sales	1,70,754	1,35,936	1,28,552	1,22,189	1,05,161
Expenses	63,042	56,557	52,457	45,459	34,856
Operating Profit	1,07,712	79,379	76,096	76,730	70,304
OPM %	63%	58%	59%	63%	67%
Other Income	33,912	31,759	27,333	24,879	18,947
Interest	77,780	58,584	59,248	62,137	53,713
Depreciation	2,345	1,681	1,385	1,277	1,221
Profit Before Tax	61,498	50,873	42,796	38,195	34,318
Tax %	25%	25%	26%	29%	35%
Net Profit	46,149	38,151	31,857	27,296	22,446
EPS in Rs	83	69	58	50	42

Balance Sheet

Below figures are in Rs. Crores

Particulars	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021
Share Capital	1,597	1,594	1,589	1,559	1,556
Total Reserves	67,470	63,794	49,286	39,993	35,274
Minority Interest	---	---	---	---	1,048
Total Non-Current Liabilities	1,09,061	1,32,447	1,68,017	1,32,027	1,13,335
Total Liabilities	2,89,794	3,00,347	2,25,334	1,79,652	1,55,202
Capital Work in Progress	---	---	---	---	---
Total Assets	2,89,794	3,00,347	2,25,334	1,79,652	1,55,202

Positive

(80 to 100)

Neutral

(60 to 79)

Negative

(0 to 59)

The stock has a high PE of 38.84, indicating expensive valuation or elevated growth expectations.
Over the last three years, the stock delivered a moderate 3-year price CAGR of 14.8%, reflecting average market performance.
The stock carries a beta of 1.0, indicating volatility broadly in line with the market.
In the last financial year, the company reported an EBITDA of ₹27261 million, reflecting positive operating performance.
In the previous financial year, the company generated revenue of ₹57523 million, indicating a large and established business.

Investment Calculator

Investment Amount:

₹

Investment Amount: ₹ 1000000

Current Value: ₹ 1208660.7

No. of Shares: 935 (Approx)

Performance:20.9%

P/L: ₹208660.7

NIFTY Performance: 9.4%

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