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Reported as ticker: CREDITACC· We're continuously improving data quality. Contact support if this persists.
CREDITACCESS GRAMEEN LIMITED
CREDITACC · General/Diversified · NSE
₹1,268
Current Market Price
Fair Value (P/B + Residual Income)
₹863
Discount to FV
-31.9%
Updated 34m ago
YieldIQ Score
50/100
Piotroski F-Score
7/9
Economic Moat
None
Confidence
90%
ROE
9.9%
Debt/Equity
3.01
Cost of Equity
9.8%
Market Cap
₹20,295 Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
8.6%
Return on capital employed
Revenue CAGR (3Y)
21.4%
3-year revenue growth
Revenue CAGR (5Y)
—
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹1,267.8
Bear case
Discount -109.9%
Base case
Discount -46.9%
Bull case
Discount -13.0%
Ratio Trends
CREDITACC · last 7 annual periods
ROE
9.9%
ROCE
8.6%
Operating Margin
—
Debt / Equity
3.01×
PE
23.8×
EV / EBITDA
15.2×
Historical Financials
CREDITACC · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2022 NSE_XBRL | 2023 NSE_XBRL | 2024 NSE_XBRL | 2025 yfinance | 2026 yfinance | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹2547 Cr | ₹3297 Cr | ₹4905 Cr | ₹5648 Cr | ₹5899 Cr | +23.4% |
| EBITDA | ₹715 Cr | ₹1314 Cr | ₹2208 Cr | ₹2593 Cr | ₹2708 Cr | +39.5% |
| EBIT | ₹1465 Cr | ₹2318 Cr | ₹3672 Cr | — | — | +25.8% |
| PAT | ₹353 Cr | ₹826 Cr | ₹1446 Cr | ₹531 Cr | ₹778 Cr | +21.8% |
| EPS (diluted) | ₹23.22 | ₹51.82 | ₹90.41 | — | — | +40.5% |
| CFO | ₹-2713 Cr | ₹-3290 Cr | ₹-4734 Cr | ₹1125 Cr | ₹-2770 Cr | — |
| CapEx | ₹-27.9 Cr | ₹-17.3 Cr | ₹-20.3 Cr | ₹-33.6 Cr | ₹-17.6 Cr | — |
| FCF | ₹-2741 Cr | ₹-3307 Cr | ₹-4754 Cr | ₹1092 Cr | ₹-2788 Cr | — |
| Total Assets | ₹17.5K Cr | ₹21.9K Cr | ₹28.9K Cr | ₹27.8K Cr | ₹31.9K Cr | +16.3% |
| Total Debt | ₹13.0K Cr | ₹16.3K Cr | ₹21.8K Cr | ₹20.4K Cr | ₹23.6K Cr | +16.1% |
| Shareholders' Equity | ₹4167 Cr | ₹5107 Cr | ₹6570 Cr | ₹6956 Cr | ₹7842 Cr | +17.1% |
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 |
|---|---|---|---|---|---|
 CHOLAHLDNG CHOLAHLDNG | — | — | Pending | 15.8% | 10.5× |
 MANAPPURAM MANAPPURAM | — | — | Pending | 6.3% | 23.5× |
 POONAWALLA POONAWALLA | — | — | Pending | -1.2% | — |
 IREDA IREDA | — | — | Pending | 16.5% | — |
 HUDCO HUDCO | — | — | Pending | 18.4% | 7.9× |
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 converted using the per-ticker face value (defaults to ₹10).
AI Analysis Summary
Model-generated description of metrics. Not investment advice. CREDITACCESS GRAMEEN LIMITED (CREDITACC.NS) trades at 1267.80 vs a model fair value of 862.96, a gap of -31.9%. Piotroski F-score: 7/9. M...
Read full AI analysis →Risk Analysis
Volatility & drawdown
Risk profile of CREDITACC →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
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News & Filings
Recent activity
BSE filings + news for CREDITACC →
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P/B + Residual Income breakdown, peer comparison, and more.
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.