Creditaccess Grameen Ltd
CREDITACC
Finance
₹ 1,169
Price
₹ 18,660
Market Cap
Mid Cap
35.11
P/E Ratio
📊 Score Snapshot
4.94 / 25
Performance
19.27 / 25
Valuation
0.0 / 20
Growth
7.0 / 30
Profitability
31.21 / 100
Avoid
🏢 Company Overview
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🤖 CARL Insights
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📈 Net Profit (Yearly)
📊 Sales (Yearly)
📉 Quarterly Sales Trend
📉 Quarterly Net Profit
📈 Yearly Ratios
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Adj Cash EPS | -34.02 | -314.18 | -237.90 | -210.33 | -55.35 | -170.04 | -102.23 | - |
| Adj Cash PAT | -543.00 | -5,008 | -3,716 | -3,277 | -859.00 | -2,452 | -1,469 | -1,800 |
| Adj Cash PAT To PAT | -1.02 | -3.46 | -4.50 | -9.28 | -6.05 | -7.48 | -4.56 | -8.49 |
| Adj EPS | 33.27 | 90.72 | 52.88 | 22.66 | 9.15 | 22.75 | 22.40 | - |
| Adj Number Of Shares | 15.96 | 15.94 | 15.62 | 15.58 | 15.52 | 14.42 | 14.37 | - |
| Adj PE | 29.05 | 16.33 | 17.31 | 38.74 | 72.89 | 14.12 | 24.40 | - |
| Adj Peg | - | 0.23 | 0.13 | 0.26 | - | 9.04 | - | - |
| Bvps | 435.84 | 412.17 | 326.95 | 267.46 | 234.21 | 185.09 | 164.65 | - |
| Cash Revenue | 5,752 | 10,238 | 6,974 | 5,338 | 4,056 | 3,366 | 2,569 | 1,737 |
| Cash Revenue To Revenue | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Dividend Yield | 1.03 | 0.67 | - | - | - | - | - | - |
| Fcfe | -2,010 | 525.00 | -304.00 | -1,276 | 85.00 | -25.00 | -409.05 | -1,801 |
| Fcfe Margin | -34.94 | 5.13 | -4.36 | -23.90 | 2.10 | -0.74 | -15.92 | -103.68 |
| Fcfe To Adj PAT | -3.79 | 0.36 | -0.37 | -3.61 | 0.60 | -0.08 | -1.27 | -8.50 |
| Market Cap | 15,428 | 23,614 | 14,295 | 13,674 | 10,350 | 4,632 | 7,855 | - |
| PB | 2.22 | 3.59 | 2.80 | 3.28 | 2.85 | 1.74 | 3.32 | - |
| PE | 29.05 | 16.33 | 17.31 | 38.75 | 72.89 | 14.12 | 24.39 | - |
| Peg | - | 0.23 | 0.13 | 0.26 | - | 9.31 | - | - |
| PS | 2.68 | 2.31 | 2.05 | 2.56 | 2.55 | 1.38 | 3.06 | - |
| ROE | 7.85 | 24.77 | 17.81 | 9.05 | 4.51 | 13.03 | 16.93 | 19.92 |
| Share Price | 966.65 | 1,481 | 915.20 | 877.65 | 666.90 | 321.25 | 546.60 | - |
📊 Quarterly Results
| Metric | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 | Mar 2023 | Dec 2022 | Sep 2022 | Jun 2022 | Mar 2022 | Dec 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 1,407 | 2,760 | 2,906 | 3,024 | 2,914 | 2,584 | 2,494 | 2,340 | 2,130 | 1,816 | 1,624 | 1,242 | 1,388 | 576.00 |
| Interest | 478.00 | 475.00 | 485.00 | 510.00 | 482.00 | 442.00 | 424.00 | 385.00 | 346.00 | 314.00 | 273.00 | 226.00 | 217.00 | 192.00 |
| Expenses - | 864.00 | 1,020 | 700.00 | 453.00 | 434.00 | 365.00 | 342.00 | 309.00 | 311.00 | 293.00 | 299.00 | 209.00 | 267.00 | 206.00 |
| Financing Profit | 65.00 | -115.00 | 269.00 | 549.00 | 542.00 | 486.00 | 481.00 | 477.00 | 409.00 | 301.00 | 240.00 | 186.00 | 210.00 | 177.00 |
| Financing Margin % | 4.62 | -4.17 | 9.26 | 18.15 | 18.60 | 18.81 | 19.29 | 20.38 | 19.20 | 16.57 | 14.78 | 14.98 | 15.13 | 30.73 |
| Other Income - | 1.08 | 1.55 | 0.63 | 0.55 | 1.61 | 3.03 | 0.65 | 0.69 | 0.81 | 1.82 | 2.09 | 0.50 | 0.21 | 0.97 |
| Depreciation | 15.00 | 16.00 | 17.00 | 14.00 | 14.00 | 13.00 | 12.00 | 12.00 | 12.00 | 13.00 | 13.00 | 7.00 | 7.00 | 6.00 |
| Profit Before Tax | 51.00 | -129.00 | 252.00 | 535.00 | 529.00 | 476.00 | 469.00 | 465.00 | 398.00 | 290.00 | 229.00 | 179.00 | 203.00 | 172.00 |
| Tax % | 7.84 | 22.48 | 26.19 | 25.61 | 24.95 | 25.84 | 25.59 | 25.59 | 25.38 | 25.52 | 23.58 | 25.70 | 25.62 | 25.00 |
| Net Profit - | 47.00 | -100.00 | 186.00 | 398.00 | 397.00 | 353.00 | 349.00 | 346.00 | 297.00 | 216.00 | 175.00 | 133.00 | 151.00 | 129.00 |
| Profit For PE | 47.00 | -100.00 | 186.00 | 398.00 | 397.00 | 353.00 | 349.00 | 346.00 | 297.00 | 216.00 | 175.00 | 133.00 | 151.00 | 129.00 |
| Profit For EPS | 47.00 | -100.00 | 186.00 | 398.00 | 397.00 | 353.00 | 349.00 | 346.00 | 297.00 | 216.00 | 175.00 | 133.00 | 151.00 | 129.00 |
| EPS In Rs | 2.96 | -6.24 | 11.67 | 24.95 | 24.91 | 22.20 | 21.95 | 22.16 | 18.98 | 13.82 | 11.22 | 8.50 | 9.71 | 8.29 |
| PAT Margin % | 3.34 | -3.62 | 6.40 | 13.16 | 13.62 | 13.66 | 13.99 | 14.79 | 13.94 | 11.89 | 10.78 | 10.71 | 10.88 | 22.40 |
| PBT Margin | 3.62 | -4.67 | 8.67 | 17.69 | 18.15 | 18.42 | 18.81 | 19.87 | 18.69 | 15.97 | 14.10 | 14.41 | 14.63 | 29.86 |
| Tax | 4.00 | -29.00 | 66.00 | 137.00 | 132.00 | 123.00 | 120.00 | 119.00 | 101.00 | 74.00 | 54.00 | 46.00 | 52.00 | 43.00 |
| Yoy Profit Growth % | -88.00 | -128.00 | -47.00 | 15.00 | 34.00 | 64.00 | 99.00 | 161.00 | 96.00 | 67.00 | 143.00 | 348.00 | 109.00 | 280.00 |
| Adj PAT | 47.00 | -100.00 | 186.00 | 398.00 | 397.00 | 353.00 | 349.00 | 346.00 | 297.00 | 216.00 | 175.00 | 133.00 | 151.00 | 129.00 |
| Adj PAT Margin | 3.34 | -3.62 | 6.40 | 13.16 | 13.62 | 13.66 | 13.99 | 14.79 | 13.94 | 11.89 | 10.78 | 10.71 | 10.88 | 22.40 |
💰 Profit & Loss
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 5,752 | 10,238 | 6,974 | 5,338 | 4,056 | 3,366 | 2,564 | 1,742 | 1,416 | 928.00 | 556.00 | 292.00 |
| Interest | 1,948 | 1,738 | 1,216 | 987.00 | 745.00 | 575.00 | 417.00 | 354.00 | 317.00 | 208.00 | 129.00 | 72.00 |
| Expenses - | 3,037 | 1,444 | 1,179 | 1,235 | 1,069 | 639.00 | 361.00 | 184.00 | 264.00 | 126.00 | 76.00 | 50.00 |
| Financing Profit | 767.00 | 1,937 | 1,092 | 447.00 | 214.00 | 470.00 | 504.00 | 332.00 | 128.00 | 130.00 | 74.00 | 24.00 |
| Financing Margin % | 13.33 | 18.92 | 15.66 | 8.37 | 5.28 | 13.96 | 19.66 | 19.06 | 9.04 | 14.01 | 13.31 | 8.22 |
| Other Income - | 3.81 | 53.67 | 63.73 | 81.46 | 3.35 | 0.87 | 1.13 | 0.95 | 1.08 | 2.26 | 3.25 | 1.81 |
| Exceptional Items | - | - | - | - | - | - | -0.07 | - | - | - | - | - |
| Depreciation | 62.00 | 51.00 | 50.00 | 47.00 | 23.00 | 20.00 | 8.00 | 5.00 | 4.00 | 3.00 | 2.00 | 1.00 |
| Profit Before Tax | 709.00 | 1,939 | 1,105 | 481.00 | 194.00 | 451.00 | 498.00 | 328.00 | 124.00 | 130.00 | 75.00 | 25.00 |
| Tax % | 25.11 | 25.43 | 25.25 | 26.61 | 26.80 | 27.27 | 35.34 | 35.37 | 35.48 | 36.15 | 34.67 | 32.00 |
| Net Profit - | 531.00 | 1,446 | 826.00 | 353.00 | 142.00 | 328.00 | 322.00 | 212.00 | 80.00 | 83.00 | 49.00 | 17.00 |
| Profit For PE | 531.00 | 1,446 | 826.00 | 353.00 | 142.00 | 328.00 | 322.00 | 212.00 | 80.00 | 83.00 | 49.00 | 17.00 |
| Profit For EPS | 531.00 | 1,446 | 826.00 | 353.00 | 142.00 | 328.00 | 322.00 | 212.00 | 80.00 | 83.00 | 49.00 | 17.00 |
| EPS In Rs | 33.27 | 90.72 | 52.87 | 22.65 | 9.15 | 22.75 | 22.41 | - | - | - | - | - |
| Dividend Payout % | 30.00 | 11.00 | - | - | - | - | - | - | - | - | - | - |
| PAT Margin % | 9.23 | 14.12 | 11.84 | 6.61 | 3.50 | 9.74 | 12.56 | 12.17 | 5.65 | 8.94 | 8.81 | 5.82 |
| PBT Margin | 12.33 | 18.94 | 15.84 | 9.01 | 4.78 | 13.40 | 19.42 | 18.83 | 8.76 | 14.01 | 13.49 | 8.56 |
| Tax | 178.00 | 493.00 | 279.00 | 128.00 | 52.00 | 123.00 | 176.00 | 116.00 | 44.00 | 47.00 | 26.00 | 8.00 |
| Adj PAT | 531.00 | 1,446 | 826.00 | 353.00 | 142.00 | 328.00 | 321.95 | 212.00 | 80.00 | 83.00 | 49.00 | 17.00 |
| Adj PAT Margin | 9.23 | 14.12 | 11.84 | 6.61 | 3.50 | 9.74 | 12.56 | 12.17 | 5.65 | 8.94 | 8.81 | 5.82 |
🏦 Balance Sheet
| Metric | Mar 2025 | Sep 2024 | Mar 2024 | Sep 2023 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|---|---|
| Accumulated Depreciation | - | - | 217.00 | - | 178.00 | 131.00 | 65.00 | 42.00 | 23.00 | 16.00 |
| Average Total Assets | 28,324 | 25,283 | 25,352 | - | 19,670 | 15,090 | 11,680 | 9,010 | 6,236 | 4,339 |
| Average Total Equity | 6,763 | 6,393 | 5,838 | - | 4,637 | 3,901 | 3,152 | 2,518 | 1,902 | 1,064 |
| Borrowing | 20,446 | - | 21,841 | - | 16,312 | 12,921 | 8,781 | 7,823 | 4,867 | 3,623 |
| Cwip | - | - | 5.00 | - | 4.00 | 3.00 | 1.00 | 3.00 | 2.00 | 1.00 |
| Cash Equivalents | 1,443 | 732.00 | 1,314 | 1,408 | 1,436 | 1,761 | 1,946 | 580.00 | 616.00 | 143.00 |
| Fixed Assets | 607.00 | 628.00 | 609.00 | 599.00 | 599.00 | 629.00 | 101.00 | 87.00 | 25.00 | 16.00 |
| Gross Block | - | - | 826.00 | - | 778.00 | 760.00 | 166.00 | 129.00 | 48.00 | 32.00 |
| Investments | 893.00 | 1,303 | 1,439 | 741.00 | 455.00 | 1.00 | 663.00 | 661.00 | - | - |
| Loans N Advances | 24,274 | 23,530 | 85.00 | - | 64.00 | 59.00 | 41.00 | 27.00 | 22.00 | 9.00 |
| Long Term Borrowings | - | 19,154 | - | 17,669 | - | - | - | 7,823 | 4,708 | 3,623 |
| Net Debt | -2,336 | 17,119 | 19,088 | 15,520 | 14,421 | 11,159 | 6,172 | 6,582 | 4,251 | 3,480 |
| Other Asset Items | 585.00 | 419.00 | 25,395 | 21,206 | 19,300 | 15,029 | 9,945 | 9,303 | 6,692 | 4,944 |
| Other Borrowings | - | - | 21,841 | - | 16,312 | 12,921 | 8,781 | - | - | - |
| Other Liability Items | 368.00 | 411.00 | 399.00 | 427.00 | 395.00 | 359.00 | 263.00 | 152.00 | 117.00 | 49.00 |
| Reserves | 6,796 | 6,829 | 6,411 | 5,639 | 4,948 | 4,011 | 3,479 | 2,525 | 2,222 | 1,309 |
| Share Capital | 160.00 | 159.00 | 159.00 | 159.00 | 159.00 | 156.00 | 156.00 | 144.00 | 144.00 | 128.00 |
| Short Term Borrowings | - | - | - | - | - | - | - | - | 159.00 | - |
| Short Term Loans And Advances | - | - | - | - | 14.00 | 15.00 | 8.00 | 6.00 | 5.00 | 5.00 |
| Total Assets | 27,802 | 26,612 | 28,846 | 23,954 | 21,858 | 17,482 | 12,697 | 10,662 | 7,357 | 5,114 |
| Total Borrowings | - | 19,154 | 21,841 | 17,669 | 16,312 | 12,921 | 8,781 | 7,823 | 4,867 | 3,623 |
| Total Equity | 6,956 | 6,988 | 6,570 | 5,798 | 5,107 | 4,167 | 3,635 | 2,669 | 2,366 | 1,437 |
| Total Equity And Liabilities | 27,802 | 26,612 | 28,846 | 23,954 | 21,858 | 17,482 | 12,697 | 10,662 | 7,357 | 5,114 |
| Total Liabilities | 20,846 | 19,624 | 22,276 | 18,156 | 16,751 | 13,315 | 9,062 | 7,993 | 4,991 | 3,677 |
| Trade Payables | 32.00 | 60.00 | 37.00 | 60.00 | 44.00 | 35.00 | 18.00 | 18.00 | 8.00 | 4.00 |
💵 Cash Flows
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Cash From Financing Activity | - | 5,494 | 3,365 | 1,967 | 1,706 | 2,929 | 1,829 | 1,470 |
| Cash From Investing Activity | - | -994.00 | -314.00 | -33.00 | -32.00 | -636.00 | -7.00 | 54.00 |
| Cash From Operating Activity | - | -4,734 | -3,290 | -2,713 | -364.00 | -2,302 | -1,378 | -1,726 |
| Cash Paid For Investment In Subsidaries And Associates | - | - | - | - | -1.00 | -661.00 | - | - |
| Cash Paid For Loan Advances | -1,054 | -6,536 | -4,674 | -3,775 | -1,144 | -2,805 | -1,801 | -2,061 |
| Cash Paid For Purchase Of Fixed Assets | -34.00 | -20.00 | -17.00 | -28.00 | -12.00 | -22.00 | -18.00 | -6.00 |
| Cash Paid For Purchase Of Investments | -6,385 | -12,801 | -7,987 | -7,349 | -7,201 | -9,126 | -7,056 | -3,350 |
| Cash Paid For Redemption Of Debentures | - | - | - | -257.00 | - | - | -223.00 | - |
| Cash Paid For Repayment Of Borrowings | -10,795 | -53.00 | - | -25.00 | - | -11.00 | -47.00 | - |
| Cash Receipts From Deposits | - | - | - | - | - | - | - | - |
| Cash Received From Borrowings | 9,300 | 5,169 | 3,123 | 2,264 | 934.00 | 3,101 | 1,340 | - |
| Cash Received From Issue Of Debentures | - | 386.00 | 256.00 | - | - | - | - | - |
| Cash Received From Issue Of Shares | 18.00 | 15.00 | 5.00 | 3.00 | 803.00 | 4.00 | 631.00 | 353.00 |
| Cash Received From Sale Of Investments | 7,025 | 11,898 | 7,573 | 7,367 | 7,218 | 9,140 | 7,067 | 3,358 |
| Change In Other Working Capital Items | 75.00 | 130.00 | 87.00 | 88.00 | 52.00 | 49.00 | -64.00 | 38.00 |
| Change In Payables | -96.00 | -47.00 | 45.00 | 57.00 | 90.00 | -24.00 | 69.00 | 16.00 |
| Change In Receivables | - | - | - | - | - | - | 5.00 | -5.00 |
| Change In Working Capital | -1,074 | -6,454 | -4,542 | -3,630 | -1,001 | -2,780 | -1,791 | -2,012 |
| Direct Taxes Paid | -346.00 | -561.00 | -240.00 | -120.00 | -105.00 | -164.00 | -182.00 | -67.00 |
| Dividends Paid | -159.00 | - | - | - | - | - | - | - |
| Interest Received | 61.00 | - | - | - | - | - | - | - |
| Net Cash Flow | - | -234.00 | -239.00 | -780.00 | 1,310 | -9.00 | 444.00 | -202.00 |
| Other Cash Financing Items Paid | -32.00 | -24.00 | -19.00 | -18.00 | -31.00 | -165.00 | 129.00 | 1,116 |
| Other Cash Investing Items Paid | 40.00 | -71.00 | 117.00 | -23.00 | -37.00 | 32.00 | - | 52.00 |
| Profit From Operations | 2,545 | 2,281 | 1,492 | 1,037 | 742.00 | 642.00 | 595.00 | 354.00 |
🧾 Shareholding Pattern
| Nse Code | Date | Promoters | Fii | Dii | Public | Others |
|---|---|---|---|---|---|---|
| Creditacc | 2025-03-31 | - | 11.38 | 12.67 | 9.50 | 0.00 |
| Creditacc | 2024-12-31 | - | 9.76 | 14.17 | 9.57 | 0.00 |
| Creditacc | 2024-09-30 | - | 10.76 | 14.86 | 7.83 | 0.00 |
| Creditacc | 2024-06-30 | - | 10.88 | 16.25 | 6.31 | 0.00 |
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