Stock CREDITACC CREDITACCESS GRAMEEN LIMITED
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Financials CreditAccess Grameen Limited

Equities

CREDITACC

INE741K01010

Consumer Lending

Market Closed - NSE India S.E.
Other stock markets
 07:43:47 2024-04-26 am EDT 		5-day change 1st Jan Change
1,468 INR -0.68% Intraday chart for CreditAccess Grameen Limited +2.13% -8.06%
Apr. 08 Nomura Adjusts CreditAccess Grameen’s Price Target to INR1,625 From INR1,550, Keeps at Buy MT
Mar. 14 Nomura Adjusts CreditAccess Grameen’s Price Target to INR1,550 From INR1,990, Keeps at Buy MT

Valuation

Fiscal Period: March 2021 2022 2023 2024 2025 2026
Capitalization 1 104,357 132,440 145,431 233,895 - -
Enterprise Value (EV) 1 104,357 132,440 145,431 233,895 233,895 233,895
P/E ratio 75.4 x 36.6 x 17.7 x 16.4 x 13.6 x 11.4 x
Yield - - - 0.22% 0.27% 0.27%
Capitalization / Revenue 6.81 x 7.5 x 6.22 x 6.98 x 5.67 x 4.66 x
EV / Revenue 6.81 x 7.5 x 6.22 x 6.98 x 5.67 x 4.66 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 2.83 x 3.36 x 2.85 x 3.58 x 2.83 x 2.27 x
Nbr of stocks (in thousands) 155,582 155,866 158,906 159,340 - -
Reference price 2 670.8 849.7 915.2 1,468 1,468 1,468
Announcement Date 5/6/21 5/12/22 5/16/23 - - -
1INR in Million2INR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: March 2021 2022 2023 2024 2025 2026
Net sales 1 15,320 17,660 23,379 33,529 41,263 50,156
EBITDA - - - - - -
EBIT 1 9,518 10,775 15,082 23,204 28,245 34,211
Operating Margin 62.13% 61.01% 64.51% 69.21% 68.45% 68.21%
Earnings before Tax (EBT) 1 1,804 4,808 11,054 18,964 23,121 27,715
Net income 1 1,340 3,630 8,261 14,217 17,165 20,499
Net margin 8.75% 20.56% 35.33% 42.4% 41.6% 40.87%
EPS 2 8.900 23.22 51.82 89.23 108.1 129.2
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share 2 - - - 3.200 4.000 4.000
Announcement Date 5/6/21 5/12/22 5/16/23 - - -
1INR in Million2INR
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: March 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales - - - - - - 4,798 5,390 5,937 7,206 - 7,758 8,458 9,368 9,831
EBITDA - - - - - - - - - - - - - - -
EBIT 1 1,703 3,291 2,164 2,187 2,735 3,688 2,897 3,343 3,795 5,046 5,438 5,291 5,776 6,596 -
Operating Margin - - - - - - 60.38% 62.02% 63.92% 70.03% - 68.2% 68.3% 70.41% -
Earnings before Tax (EBT) 1 - - - - - 2,178 1,888 1,761 2,900 3,976 4,674 4,300 4,637 5,242 -
Net income 1 - - - - - 1,571 1,379 1,762 2,168 2,966 3,485 3,410 3,563 3,875 -
Net margin - - - - - - 28.74% 32.68% 36.51% 41.16% - 43.95% 42.13% 41.36% -
EPS 2 - - - - - - 8.800 10.97 13.53 - 21.80 21.20 22.30 24.40 -
Dividend per Share - - - - - - - - - - - - - - -
Announcement Date 1/29/21 5/6/21 8/11/21 11/9/21 2/4/22 5/12/22 7/29/22 10/21/22 2/7/23 5/16/23 7/21/23 - - - -
1INR in Million2INR
Estimates

Balance Sheet Analysis

Fiscal Period: March 2021 2022 2023 2024 2025 2026
Net Debt - - - - - -
Net Cash position - - - - - -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 4.17% 9.47% 17.8% 24.4% 23.4% 22%
ROA (Net income/ Total Assets) 0.97% 2.24% 4.2% 5.63% 5.46% 5.31%
Assets 1 138,250 162,274 196,700 252,619 314,123 385,772
Book Value Per Share 2 237.0 253.0 321.0 410.0 519.0 647.0
Cash Flow per Share - - - - - -
Capex - - - - - -
Capex / Sales - - - - - -
Announcement Date 5/6/21 5/12/22 5/16/23 - - -
1INR in Million2INR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for CreditAccess Grameen Limited

Trading Rating
Investor Rating
ESG Refinitiv
B
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
17
Last Close Price
1,468 INR
Average target price
1,837 INR
Spread / Average Target
+25.14%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

Sector Microfinancing

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Microfinancing
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