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CreditAcc. Gram.

  • Market Cap: Mid Cap
  • Industry: Finance/NBFC
  • ISIN: INE741K01010
  • NSEID: CREDITACC
  • BSEID: 541770
INR
1,019.45
1.45 (0.14%)
BSENSE

Apr 11, 12:53 PM

BSE+NSE Vol: 3.34 lacs

Click here to access the older version
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

1,000.001,033.10

52 Week

750.051,553.00
Valuation
Technical
Day's Volume

CASH

3.34 lacs (-36.86%) Volume

Shareholding (Dec 2024)

FII

9.76%

Held by 134 FIIs

DII

14.18%

Held by 25 DIIs

Promoter

66.50%

iScoreScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy
Dashboard
1

Negative results in Dec 24

  • PAT(9M) At Rs 484.20 cr has Grown at -53.83 %
  • PBT LESS OI(Q) At Rs -130.48 cr has Fallen at -129.2 %
  • OPERATING PROFIT TO NET SALES(Q) Lowest at 26.07%
2

Stock is technically in a Mildly Bearish range

3

Underperformed the market in the last 1 year

stock-summaryMojo Parameters
Mojo Parameters
Loading Valuation Snapshot...
Stock DNA
stock-summary
Industry

Finance/NBFC

stock-summary
Market cap

INR 16,283 Cr (Mid Cap)

stock-summary
P/E

18.00

stock-summary
Industry P/E

20

stock-summary
Dividend Yield

0.98%

stock-summary
Debt Equity

2.74

stock-summary
Return on Equity

19.09%

stock-summary
Price to Book

2.33

Revenue and Profits (1 Year):
Net Sales:
1,380 Cr
(Quarterly Results - Dec 2024)
Net Profit:
-100 Cr
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
Dividend Yield (0.98%)
TimePeriod
Price Return
Dividend Return
Total Return
6 Months
-5.73%
0%
-5.73%
1 Year
-28.63%
0.68%
-27.95%
2 Years
7.28%
1.01%
8.29%
3 Years
10.13%
1.15%
11.28%
4 Years
65.86%
1.69%
67.55%
5 Years
195.84%
2.51%
198.35%

Latest dividend: 10 per share ex-dividend date: Jul-26-2024

Risk Adjusted Returns v/s Sensex stock-summary
Returns Beta
Icon
Beta has not been calculated since enough price history is not available
stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Sales Growth (5y)
30.07%
EBIT Growth (5y)
24.57%
Net Debt to Equity (avg)
0
Institutional Holding
23.93%
ROE (avg)
13.90%
Valuation key factors
Factor
Value
P/E Ratio
18
Industry P/E
20
Price to Book Value
2.33
EV to EBIT
11.06
EV to EBITDA
10.85
EV to Capital Employed
1.36
EV to Sales
5.98
PEG Ratio
NA
Dividend Yield
0.98%
ROCE (Latest)
14.58%
ROE (Latest)
19.09%
Tecnicals key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Bullish
Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
No Trend
Bullish
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Dec 2024stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Promoters

Pledged Promoter Holdings

None

Mutual Funds

Held by 23 Schemes (11.95%)

FIIs

Held by 134 FIIs (9.76%)

Promoter with highest holding

Creditaccess India B.v. (66.5%)

Highest Public shareholder

Canara Robeco Mutual Fund A/c Canara Robeco Emerging Equities (3.48%)

Individual Investors Holdings

8.28%

stock-summaryFinancial
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  {
    "link": "quarterly",
    "btn_text": "All Quarterly Results",
    "header": "Quarterly Results Snapshot (Consolidated) - Dec'24 - QoQ",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "QoQ Growth in quarter ended Dec 2024 is -5.02% vs -3.88% in Sep 2024",
        "dir": -1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "QoQ Growth in quarter ended Dec 2024 is -153.49% vs -53.21% in Sep 2024",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Sep'24",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "1,380.38",
          "val2": "1,453.29",
          "chgp": "-5.02%",
          "chgp_class": "negative"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "359.92",
          "val2": "753.15",
          "chgp": "-52.21%",
          "chgp_class": "negative"
        },
        {
          "field": "Interest",
          "val1": "474.87",
          "val2": "484.60",
          "chgp": "-2.01%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "-99.52",
          "val2": "186.06",
          "chgp": "-153.49%",
          "chgp_class": "negative"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "26.07%",
          "val2": "51.82%",
          "chgp": "-25.75%",
          "chgp_class": "negative"
        }
      ]
    }
  },
  {
    "link": "half-yearly",
    "btn_text": "All Half Yearly Results",
    "header": "Half Yearly Results Snapshot (Consolidated) - Sep'24",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": " Growth in half year ended Sep 2024 is 22.69% vs 53.77% in Sep 2023",
        "dir": -1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": " Growth in half year ended Sep 2024 is -16.07% vs 124.41% in Sep 2023",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Sep'24",
        "Sep'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "2,965.32",
          "val2": "2,416.98",
          "chgp": "22.69%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "1,812.00",
          "val2": "1,765.94",
          "chgp": "2.61%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "994.91",
          "val2": "808.79",
          "chgp": "23.01%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "583.72",
          "val2": "695.51",
          "chgp": "-16.07%",
          "chgp_class": "negative"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "61.11%",
          "val2": "73.06%",
          "chgp": "-11.95%",
          "chgp_class": "negative"
        }
      ]
    }
  },
  {
    "link": "nine-monthly",
    "btn_text": "All Nine Monthly Results",
    "header": "Nine Monthly Results Snapshot (Consolidated) - Dec'24",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in nine months ended Dec 2024 is 17.16% vs 49.58% in Dec 2023",
        "dir": -1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in nine months ended Dec 2024 is -53.84% vs 100.89% in Dec 2023",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Dec'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "4,345.70",
          "val2": "3,709.18",
          "chgp": "17.16%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "2,171.92",
          "val2": "2,693.04",
          "chgp": "-19.35%",
          "chgp_class": "negative"
        },
        {
          "field": "Interest",
          "val1": "1,469.78",
          "val2": "1,250.29",
          "chgp": "17.56%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "484.20",
          "val2": "1,048.85",
          "chgp": "-53.84%",
          "chgp_class": "negative"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "49.98%",
          "val2": "72.60%",
          "chgp": "-22.62%",
          "chgp_class": "negative"
        }
      ]
    }
  },
  {
    "link": "annual",
    "btn_text": "All Annual Results",
    "header": "Annual Results Snapshot (Consolidated) - Mar'24",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in year ended Mar 2024 is 45.74% vs 29.25% in Mar 2023",
        "dir": 1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in year ended Mar 2024 is 75.04% vs 127.54% in Mar 2023",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Mar'24",
        "Mar'23",
        "Change(%)"
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      "body": [
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          "field": "Net Sales",
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          "val2": "3,545.12",
          "chgp": "45.74%",
          "chgp_class": "positive"
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          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "3,716.79",
          "val2": "2,362.47",
          "chgp": "57.33%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "1,732.44",
          "val2": "1,212.88",
          "chgp": "42.84%",
          "chgp_class": "negative"
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          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
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        {
          "field": "Consolidate Net Profit",
          "val1": "1,445.93",
          "val2": "826.06",
          "chgp": "75.04%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "71.94%",
          "val2": "66.64%",
          "chgp": "5.30%",
          "chgp_class": "positive"
        }
      ]
    }
  }
]
Quarterly Results Snapshot (Consolidated) - Dec'24 - QoQstock-summary
Dec'24
Sep'24
Change(%)
Net Sales
1,380.38
1,453.29
-5.02%
Operating Profit (PBDIT) excl Other Income
359.92
753.15
-52.21%
Interest
474.87
484.60
-2.01%
Exceptional Items
0.00
0.00
Consolidate Net Profit
-99.52
186.06
-153.49%
Operating Profit Margin (Excl OI)
26.07%
51.82%
-25.75%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Net Sales

QoQ Growth in quarter ended Dec 2024 is -5.02% vs -3.88% in Sep 2024

Direction Arrows
Consolidated Net Profit

QoQ Growth in quarter ended Dec 2024 is -153.49% vs -53.21% in Sep 2024

All Quarterly Resultsstock-summary
Half Yearly Results Snapshot (Consolidated) - Sep'24stock-summary
Sep'24
Sep'23
Change(%)
Net Sales
2,965.32
2,416.98
22.69%
Operating Profit (PBDIT) excl Other Income
1,812.00
1,765.94
2.61%
Interest
994.91
808.79
23.01%
Exceptional Items
0.00
0.00
Consolidate Net Profit
583.72
695.51
-16.07%
Operating Profit Margin (Excl OI)
61.11%
73.06%
-11.95%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Net Sales

Growth in half year ended Sep 2024 is 22.69% vs 53.77% in Sep 2023

Direction Arrows
Consolidated Net Profit

Growth in half year ended Sep 2024 is -16.07% vs 124.41% in Sep 2023

All Half Yearly Resultsstock-summary
Nine Monthly Results Snapshot (Consolidated) - Dec'24stock-summary
Dec'24
Dec'23
Change(%)
Net Sales
4,345.70
3,709.18
17.16%
Operating Profit (PBDIT) excl Other Income
2,171.92
2,693.04
-19.35%
Interest
1,469.78
1,250.29
17.56%
Exceptional Items
0.00
0.00
Consolidate Net Profit
484.20
1,048.85
-53.84%
Operating Profit Margin (Excl OI)
49.98%
72.60%
-22.62%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Net Sales

YoY Growth in nine months ended Dec 2024 is 17.16% vs 49.58% in Dec 2023

Direction Arrows
Consolidated Net Profit

YoY Growth in nine months ended Dec 2024 is -53.84% vs 100.89% in Dec 2023

All Nine Monthly Resultsstock-summary
Annual Results Snapshot (Consolidated) - Mar'24stock-summary
Mar'24
Mar'23
Change(%)
Net Sales
5,166.67
3,545.12
45.74%
Operating Profit (PBDIT) excl Other Income
3,716.79
2,362.47
57.33%
Interest
1,732.44
1,212.88
42.84%
Exceptional Items
0.00
0.00
Consolidate Net Profit
1,445.93
826.06
75.04%
Operating Profit Margin (Excl OI)
71.94%
66.64%
5.30%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Net Sales

YoY Growth in year ended Mar 2024 is 45.74% vs 29.25% in Mar 2023

Direction Arrows
Consolidated Net Profit

YoY Growth in year ended Mar 2024 is 75.04% vs 127.54% in Mar 2023

All Annual Resultsstock-summary
stock-summaryCompany CV
About CreditAccess Grameen Ltd stock-summary
stock-summary
CreditAccess Grameen Ltd
Mid Cap
Finance/NBFC
CreditAccess Grameen Limited (formerly known Grameen Koota Financial Services Pvt. Ltd.) is Bengaluru headquartered microfinance institution offering affordable financial products and services. The lending products cater to income generation, education, medical, festival, home improvement, water and sanitation and emergency needs of customers.
Company Coordinates stock-summary
Company Details
New No 49 (O No 725) 46th Cros, 8th Block Jayanagar Bangalore Karnataka : 560071
stock-summary
Tel: 91-80-22637300
stock-summary
http://www.creditaccessgrameen.in
stock-summary
csinvestors@grameenkoota.org
Registrar Details
Karvy Computershare Pvt Ltd., Karvy Selenium, Tower-B Plot No 31 & 32, Survey No 116/22, 115/24, 115/25, Financial District, Nanakramguda, Serilingampally, Mandal Ranga Reddy Dist, Hyderabad
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