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CreditAccess Grameen Ltd

CREDITACC·NSE
₹1,363.50-2.12%Tue, 22 Sept '26 13:30
Industry:Finance & Investments - Microfinance
Indices:

CreditAccess Grameen Ltd

CREDITACC
NSE
₹1,363.50
-2.12%
|Tue, 22 Sept '26 13:30
SOICxStockScans Reports
Industry
Finance & Investments - Microfinance
Indices
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Financials
Documents
Shareholdings
Corporate Actions
Segments
Quick Ratios
Quarterly Results
Profit & Loss
Balance Sheet
Cash Flow
Ratios
Peer Comparison
Financials
Documents
Shareholdings
Corporate Actions
Segments
Quick Ratios
Quarterly Results
Profit & Loss
Balance Sheet
Cash Flow
Ratios
Peer Comparison
6M
Price
Charts
Documents

Quick Ratios

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Mkt Cap
Market Capitalization
₹21,868Cr
Close
Close Price
₹1,362.60
Industry
Industry
Finance & Investments - Microfinance
PE
Price To Earnings
18.02
PS
Price To Sales
3.43
Revenue
Revenue
₹6,380Cr
Rev Gr TTM
Revenue Growth TTM
11.86%
PAT Gr TTM
PAT Growth TTM
524.34%

Quarterly Results

Consolidated
Standalone
Numbers
Percentage
QuarterSep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
RevenueCr
1,2471,2921,4571,5121,4531,3801,4071,4631,5081,4901,5971,783
Growth YoY
Revenue Growth YoY%
53.542.336.829.216.66.8-3.5-3.33.88.013.621.9
Interest Expended
Interest ExpendedCr
424442482510485475478482480459478550
Expenses
ExpensesCr
3453654344537001,020864885845678660558
Financing Profit
Financing ProfitCr
478486542549269-1156596184353459675
FPM
FPM%
38.437.637.236.318.5-8.34.66.512.223.728.837.9
Other Income
Other IncomeCr
132112111111
Depreciation
DepreciationCr
121314141716151516161616
PBT
PBTCr
467476529535252-1295181169338445660
Tax
TaxCr
12012213213766-294214386105167
PAT
PATCr
347353397398186-1004760126252340493
Growth YoY
PAT Growth YoY%
98.163.033.914.1-46.4-128.2-88.1-84.9-32.4353.3619.2719.7
NPM
NPM%
27.827.327.226.312.8-7.23.44.18.316.921.327.7
EPS
EPS₹
21.822.224.924.911.7-6.23.03.87.915.821.230.8
QuarterSep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
RevenueCr
1,2471,2921,4571,5121,4531,3801,4071,4631,5081,4901,5971,783
Growth YoY
Revenue Growth YoY%
53.542.336.829.216.66.8-3.5-3.33.88.013.621.9
Interest Expended
Interest ExpendedCr
424442482510485475478482480459478550
Expenses
ExpensesCr
3453654344537001,020864885845678660558
Financing Profit
Financing ProfitCr
478486542549269-1156596184353459675
FPM
FPM%
38.437.637.236.318.5-8.34.66.512.223.728.837.9
Other Income
Other IncomeCr
132112111111
Depreciation
DepreciationCr
121314141716151516161616
PBT
PBTCr
467476529535252-1295181169338445660
Tax
TaxCr
12012213213766-294214386105167
PAT
PATCr
347353397398186-1004760126252340493
Growth YoY
PAT Growth YoY%
98.163.033.914.1-46.4-128.2-88.1-84.9-32.4353.3619.2719.7
NPM
NPM%
27.827.327.226.312.8-7.23.44.18.316.921.327.7
EPS
EPS₹
21.822.224.924.911.7-6.23.03.87.915.821.230.8

Profit & Loss

Consolidated
Standalone
Numbers
Percentage
Financial YearMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
RevenueCr
1,2821,7042,4612,6693,4875,1195,7526,0596,380
Growth
Revenue Growth%
32.944.48.430.746.812.45.311.9
Interest Expended
Interest ExpendedCr
4175789299841,2131,7321,9481,8991,967
Expenses
ExpensesCr
3616451,3131,2381,1831,4503,0373,0672,740
Financing Profit
Financing ProfitCr
5044812194471,0921,9377671,0931,672
FPM
FPM%
39.328.28.916.731.337.813.318.026.2
Other Income
Other IncomeCr
115816454444
Depreciation
DepreciationCr
82044475051626364
PBT
PBTCr
4984621804811,1051,9397091,0331,612
Tax
TaxCr
17612649128279493177256401
PAT
PATCr
3223351313538261,4465317781,211
Growth
PAT Growth%
4.3-60.8168.7134.075.0-63.346.3524.3
NPM
NPM%
25.119.75.313.223.728.39.212.819.0
EPS
EPS₹
23.423.29.023.352.090.933.348.675.6
Financial YearMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
RevenueCr
1,2821,7042,4612,6693,4875,1195,7526,0596,380
Growth
Revenue Growth%
32.944.48.430.746.812.45.311.9
Interest Expended
Interest ExpendedCr
4175789299841,2131,7321,9481,8991,967
Expenses
ExpensesCr
3616451,3131,2381,1831,4503,0373,0672,740
Financing Profit
Financing ProfitCr
5044812194471,0921,9377671,0931,672
FPM
FPM%
39.328.28.916.731.337.813.318.026.2
Other Income
Other IncomeCr
115816454444
Depreciation
DepreciationCr
82044475051626364
PBT
PBTCr
4984621804811,1051,9397091,0331,612
Tax
TaxCr
17612649128279493177256401
PAT
PATCr
3223351313538261,4465317781,211
Growth
PAT Growth%
4.3-60.8168.7134.075.0-63.346.3524.3
NPM
NPM%
25.119.75.313.223.728.39.212.819.0
EPS
EPS₹
23.423.29.023.352.090.933.348.675.6

Balance Sheet

Consolidated
Standalone
Numbers
Percentage
Financial YearMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
Equity CapitalCr
144144156156159159160160
Reserves
ReservesCr
2,2222,5903,5364,0114,9486,4116,7967,682
Borrowings
BorrowingsCr
4,8679,54010,94112,92116,31221,84120,44623,641
Other Liabilities
Other LiabilitiesCr
126316427394439435401447
Total Liabilities
Total LiabilitiesCr
7,35712,59015,06017,48221,85828,84627,80231,930
Fixed Assets
Fixed AssetsCr
27262256256227238231212
Cash Equivalents
Cash EquivalentsCr
6167182,4841,7611,4361,3141,4431,327
Other Assets
Other AssetsCr
6,71411,61112,32015,46420,19427,29426,12830,391
Total Assets
Total AssetsCr
7,35712,59015,06017,48221,85828,84627,80231,930
Financial YearMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
Equity CapitalCr
144144156156159159160160
Reserves
ReservesCr
2,2222,5903,5364,0114,9486,4116,7967,682
Borrowings
BorrowingsCr
4,8679,54010,94112,92116,31221,84120,44623,641
Other Liabilities
Other LiabilitiesCr
126316427394439435401447
Total Liabilities
Total LiabilitiesCr
7,35712,59015,06017,48221,85828,84627,80231,930
Fixed Assets
Fixed AssetsCr
27262256256227238231212
Cash Equivalents
Cash EquivalentsCr
6167182,4841,7611,4361,3141,4431,327
Other Assets
Other AssetsCr
6,71411,61112,32015,46420,19427,29426,12830,391
Total Assets
Total AssetsCr
7,35712,59015,06017,48221,85828,84627,80231,930

Cash Flow

Consolidated
Standalone
Financial YearMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow
Operating Cash FlowCr
-1,378-2,228-455-2,713-3,290-4,7341,125-2,770
Investing Cash Flow
Investing Cash FlowCr
-7-63824-33-314-994708-101
Financing Cash Flow
Financing Cash FlowCr
1,8292,9212,1461,9673,3655,494-1,6692,751
Net Cash Flow
Net Cash FlowCr
444541,715-780-239-234164-120
Free Cash Flow
Free Cash FlowCr
-1,393-2,243-459-2,734-3,303-4,7461,099-2,785
CFO To EBITDA
CFO To EBITDA%
-273.2-463.5-207.2-607.6-301.4-244.4146.7-253.5
Financial YearMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow
Operating Cash FlowCr
-1,378-2,228-455-2,713-3,290-4,7341,125-2,770
Investing Cash Flow
Investing Cash FlowCr
-7-63824-33-314-994708-101
Financing Cash Flow
Financing Cash FlowCr
1,8292,9212,1461,9673,3655,494-1,6692,751
Net Cash Flow
Net Cash FlowCr
444541,715-780-239-234164-120
Free Cash Flow
Free Cash FlowCr
-1,393-2,243-459-2,734-3,303-4,7461,099-2,785
CFO To EBITDA
CFO To EBITDA%
-273.2-463.5-207.2-607.6-301.4-244.4146.7-253.5

Ratios

Consolidated
Standalone
Financial YearMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Current
Valuation Ratios
Valuation Ratios
Market Cap
Market CapitalizationCr
7,1934,87210,43113,23414,29722,94615,21418,50821,868
Price To Earnings
Price To Earnings
22.414.677.937.517.615.928.623.818.0
Price To Sales
Price To Sales
5.62.94.25.04.14.42.63.03.4
Price To Book
Price To Book
3.01.82.83.22.93.52.22.42.8
EV To EBITDA
EV To EBITDA
22.728.586.154.626.722.444.637.426.7
Profitability Ratios
Profitability Ratios
FPM
FPM%
39.328.28.916.731.337.813.318.026.2
NPM
NPM%
25.119.75.313.223.728.39.212.819.0
ROCE
ROCE%
12.78.57.68.610.812.99.79.39.3
ROE
ROE%
13.612.33.68.516.222.07.69.99.9
ROA
ROA%
4.42.70.92.03.85.01.92.42.4
Solvency Ratios
Solvency Ratios
Financial YearMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Current
Valuation Ratios
Valuation Ratios
Market Cap
Market CapitalizationCr
7,1934,87210,43113,23414,29722,94615,21418,50821,868
Price To Earnings
Price To Earnings
22.414.677.937.517.615.928.623.818.0
Price To Sales
Price To Sales
5.62.94.25.04.14.42.63.03.4
Price To Book
Price To Book
3.01.82.83.22.93.52.22.42.8
EV To EBITDA
EV To EBITDA
22.728.586.154.626.722.444.637.426.7
Profitability Ratios
Profitability Ratios
FPM
FPM%
39.328.28.916.731.337.813.318.026.2
NPM
NPM%
25.119.75.313.223.728.39.212.819.0
ROCE
ROCE%
12.78.57.68.610.812.99.79.39.3
ROE
ROE%
13.612.33.68.516.222.07.69.99.9
ROA
ROA%
4.42.70.92.03.85.01.92.42.4
Solvency Ratios
Solvency Ratios

Documents — CreditAccess Grameen Ltd

  • Q1 FY2027 Earnings Call Transcript (Jun 2026, PDF): https://www.stockscans.in/document/s0zj9m2jcaasb7di6utsyldi.pdf
  • Q4 FY2026 Earnings Call Transcript (Mar 2026, PDF): https://www.stockscans.in/document/5f2r6v7tuuq68j91vkhq5q4j.pdf
  • Q3 FY2026 Earnings Call Transcript (Dec 2025, PDF): https://www.stockscans.in/document/4s7vqea6gk8zqmtnmyxs6d2w.pdf
  • Q2 FY2026 Earnings Call Transcript (Sep 2025, PDF): https://www.stockscans.in/document/3xt878zudlgmyxssyk0q7ju8.pdf
  • Q1 FY2026 Earnings Call Transcript (Jun 2025, PDF): https://www.stockscans.in/document/i4lcdm7e8u94wwlsj4ysm021.pdf
  • Q4 FY2025 Earnings Call Transcript (Mar 2025, PDF): https://www.stockscans.in/document/0q555fnaqs63kwg3mcys7p44.pdf
  • Q3 FY2025 Earnings Call Transcript (Dec 2024, PDF): https://www.stockscans.in/document/9i5zfp7xwro94jfn7lkt37v9.pdf
  • Q2 FY2025 Earnings Call Transcript (Sep 2024, PDF): https://www.stockscans.in/document/1dj0h7v52yzau33q8p9o27x6.pdf
  • Q1 FY2027 Quarterly Result (Jun 2026, PDF): https://www.stockscans.in/document/lq7rfqqvyr65hjs204lolqd9.pdf
  • Q4 FY2026 Quarterly Result (Mar 2026, PDF): https://www.stockscans.in/document/7xb8pnhrfqul97v1ez9lslje.pdf
  • Q3 FY2026 Quarterly Result (Dec 2025, PDF): https://www.stockscans.in/document/gfsrcywtwep9703q8mrapjvh.pdf
  • Q2 FY2026 Quarterly Result (Sep 2025, PDF): https://www.stockscans.in/document/iip1gqa2pu36q2n2alch9dnn.pdf
  • Q1 FY2026 Quarterly Result (Jun 2025, PDF): https://www.stockscans.in/document/5rx32ibj1ghwwrsmzv7rus8d.pdf
  • Q4 FY2025 Quarterly Result (Mar 2025, PDF): https://www.stockscans.in/document/75m9scl0dmtdwna6ngxpk4rv.pdf
  • Q3 FY2025 Quarterly Result (Dec 2024, PDF): https://www.stockscans.in/document/dfo7bimpv1f4wkcu5cnl58xi.pdf
  • Q2 FY2025 Quarterly Result (Sep 2024, PDF): https://www.stockscans.in/document/5auzhjk2y5wli2nf4pxe38ao.pdf
  • Q1 FY2027 Investor Presentation (Jun 2026, PDF): https://www.stockscans.in/document/4kpvyxvvr0qe5zr9a4em2xaa.pdf
  • Q4 FY2026 Investor Presentation (Mar 2026, PDF): https://www.stockscans.in/document/waeisa45vjnyoipsxxjhmm2n.pdf
  • Q3 FY2026 Investor Presentation (Dec 2025, PDF): https://www.stockscans.in/document/n9rby6xonxmxnqm23d9ghb2p.pdf
  • Q2 FY2026 Investor Presentation (Sep 2025, PDF): https://www.stockscans.in/document/o0l77y77tr7i1js84ij5fzhi.pdf
  • Q1 FY2026 Investor Presentation (Jun 2025, PDF): https://www.stockscans.in/document/67317otxyk7156gswem8yie2.pdf
  • Q4 FY2025 Investor Presentation (Mar 2025, PDF): https://www.stockscans.in/document/5ikops5tof9h7jncz6tau894.pdf
  • Q3 FY2025 Investor Presentation (Dec 2024, PDF): https://www.stockscans.in/document/x1c0kmxydlj7ax92p5yxun4d.pdf
  • Q2 FY2025 Investor Presentation (Sep 2024, PDF): https://www.stockscans.in/document/mjo623lw9g657fv5edcpc1dg.pdf
  • FY2026 Annual Report (PDF): https://www.stockscans.in/document/0darj433irvziimex59bzbpd.pdf
  • FY2025 Annual Report (PDF): https://www.stockscans.in/document/8b4ky7q5si64gvgk4txm2bny.pdf
  • FY2024 Annual Report (PDF): https://www.stockscans.in/document/1q4anqzwqi0q3qxqs7rehs1l.pdf
  • FY2023 Annual Report (PDF): https://www.stockscans.in/document/honhftcr43iysxtqj8yheufl.pdf
  • FY2022 Annual Report (PDF): https://www.stockscans.in/document/x01t9tzgiyt4hlwbwry9g2u4.pdf
  • FY2021 Annual Report (PDF): https://www.stockscans.in/document/xwj5wfcdj5gxvt6uvso1xxo5.pdf

Concall Transcript Summaries — CreditAccess Grameen Ltd

  • Q1 FY2027 Concall Transcript Summary (Jun 2026): https://www.stockscans.in/company/NSE%3ACREDITACC/transcript-notes/202606/s0zj9m2jcaasb7di6utsyldi.pdf
  • Q4 FY2026 Concall Transcript Summary (Mar 2026): https://www.stockscans.in/company/NSE%3ACREDITACC/transcript-notes/202603/5f2r6v7tuuq68j91vkhq5q4j.pdf
  • Q3 FY2026 Concall Transcript Summary (Dec 2025): https://www.stockscans.in/company/NSE%3ACREDITACC/transcript-notes/202512/4s7vqea6gk8zqmtnmyxs6d2w.pdf
  • Q2 FY2026 Concall Transcript Summary (Sep 2025): https://www.stockscans.in/company/NSE%3ACREDITACC/transcript-notes/202509/3xt878zudlgmyxssyk0q7ju8.pdf
  • Q1 FY2026 Concall Transcript Summary (Jun 2025): https://www.stockscans.in/company/NSE%3ACREDITACC/transcript-notes/202506/i4lcdm7e8u94wwlsj4ysm021.pdf
  • Q4 FY2025 Concall Transcript Summary (Mar 2025): https://www.stockscans.in/company/NSE%3ACREDITACC/transcript-notes/202503/0q555fnaqs63kwg3mcys7p44.pdf
  • Q3 FY2025 Concall Transcript Summary (Dec 2024): https://www.stockscans.in/company/NSE%3ACREDITACC/transcript-notes/202412/9i5zfp7xwro94jfn7lkt37v9.pdf
  • Q2 FY2025 Concall Transcript Summary (Sep 2024): https://www.stockscans.in/company/NSE%3ACREDITACC/transcript-notes/202409/1dj0h7v52yzau33q8p9o27x6.pdf

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