CREDITACCESS GRAMEEN LIMITED
CREDITACC · General/Diversified · NSE
₹1,223
Current Market Price
Fair Value (DCF)
₹349
Margin of Safety
-71.5%
Updated 1d ago
YieldIQ Score
56/100
Piotroski F-Score
7/9
Economic Moat
Narrow
Confidence
12%
ROE
7.6%
Debt/Equity
0.00
WACC
9.8%
Market Cap
₹0.20 Lakh Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
5.3%
Return on capital employed
EV / EBITDA
40.8×
Enterprise multiple
Debt / EBITDA
21.1×
Leverage vs earnings
Interest Coverage
4.6×
EBIT covers interest
Current Ratio
1.56×
Short-term liquidity
Asset Turnover
0.20×
Revenue per ₹ of assets
Revenue CAGR (3Y)
34.3%
3-year revenue growth
Revenue CAGR (5Y)
—
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹1,223.4
Bear case
₹322.81
MoS -279.0%
Base case
₹348.98
MoS -250.6%
Bull case
₹1,007
MoS -21.5%
Ratio Trends
CREDITACC · last 6 annual periods
ROE
7.6%
ROCE
3.5%
Operating Margin
—
Debt / Equity
2.94×
PE
17.7×
EV / EBITDA
21.2×
Historical Financials
CREDITACC · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹2461 Cr | ₹2289 Cr | ₹3545 Cr | ₹5167 Cr | ₹5539 Cr | +22.5% |
| EBITDA | — | ₹715 Cr | ₹1314 Cr | ₹2208 Cr | ₹969 Cr | +7.9% |
| EBIT | ₹1109 Cr | ₹1301 Cr | ₹2318 Cr | ₹3672 Cr | — | +34.9% |
| PAT | ₹131 Cr | ₹382 Cr | ₹826 Cr | ₹1446 Cr | ₹531 Cr | +41.8% |
| EPS (diluted) | ₹8.90 | ₹24.44 | ₹51.82 | ₹90.41 | — | +78.5% |
| CFO | ₹-455 Cr | ₹-1969 Cr | ₹-3290 Cr | ₹-4734 Cr | ₹1125 Cr | — |
| CapEx | — | — | — | — | ₹-33.6 Cr | — |
| FCF | — | — | — | — | ₹1092 Cr | +0.0% |
| Total Assets | — | ₹17.5K Cr | ₹21.9K Cr | ₹28.8K Cr | ₹27.8K Cr | +12.3% |
| Total Debt | ₹9164 Cr | ₹9112 Cr | ₹14.6K Cr | ₹19.8K Cr | ₹20.4K Cr | +22.2% |
| Shareholders' Equity | — | — | ₹5107 Cr | ₹6570 Cr | ₹6956 Cr | +8.0% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
CREDITACC vs 5 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
| MANAPPURAM Manappuram Finance Limited | -21.1% | 18 | Above Fair Value | 9.8% | — |
| CHOLAHLDNG Cholamandalam Financial Holdings Limited | +96.1% | 70 | Data Limited | 8.1% | — |
| POONAWALLA Poonawalla Fincorp Limited | +23.5% | 79 | Below Fair Value | -120.3% | — |
| IREDA Indian Renewable Energy Development Agency Limited | +19.8% | 67 | Below Fair Value | 16.5% | — |
| PIRAMALFIN PIRAMALFIN | — | — | Pending | -4.0% | — |
Click a ticker to view its fair-value analysis.
Dividend History
1 ex-dividend event on file. Source: NSE corporate-actions feed.
Total paid (5Y)
₹10.00/sh
Last payout
2024-07-26
₹10.00
Peak payout
₹10.00
Trailing yield
—
Amounts parsed from NSE subject lines; percent-of-face-value declarations are not converted and shown as missing.
Reverse DCF
Market-implied growth
What FCF growth is priced in →
Risk Analysis
Volatility & drawdown
Risk profile of CREDITACC →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
Reference indicators →
News & Filings
Recent activity
BSE filings + news for CREDITACC →
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Head-to-head with peers
Compare CREDITACC side by side →
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Analyse CREDITACCNow →Model estimates using publicly available data. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.