CreditAccess Grameen Ltd.
NSE: CREDITACC · Microfinance Institutions
Snapshot
Unlock CreditAccess Grameen Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
CreditAccess Grameen Limited is a non-banking financial company that provides microfinance services primarily to women from low-income households in India. The company offers a diverse range of credit products for income generation, home improvement, and emergency needs, alongside insurance and pension schemes.
Business Model
The company operates on a microfinance model, generating revenue through interest income on small-ticket loans provided to rural and semi-urban borrowers. It leverages a vast network of branches to maintain high-touch engagement with its customer base.
- Branches:1,635
Growth Outlook
Growth is driven by the expansion of its retail finance portfolio and the deepening of its presence in rural markets across India. The company continues to diversify its product offerings to include home improvement and livelihood-related credit.
Key Risks
- Credit Risk. The company is exposed to potential defaults from low-income borrowers who may be vulnerable to economic downturns or income volatility.
- Regulatory Risk. Changes in microfinance regulations by the Reserve Bank of India regarding interest rate caps or lending practices could impact profitability.
- Operational Risk. Managing a large, geographically dispersed branch network requires robust internal controls to mitigate fraud and ensure efficient loan collection.
- Interest Rate Risk. Fluctuations in the cost of funds can compress net interest margins, particularly if the company cannot pass on increased costs to its price-sensitive customer base.
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Key Metrics
REVENUE
₹6,380 Cr
TTM · consolidated
NET PROFIT
₹1,211 Cr
TTM · consolidated
EPS
₹75.62
TTM · consolidated
RETURN ON EQUITY
16.4%
TTM · consolidated
P/E
19.1x
Q1 FY27 · consolidated
EBITDA MARGIN
57.1%
TTM · consolidated
NET PROFIT MARGIN
27.7%
Q1 FY27 · consolidated
Peers · Microfinance Institutions
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
CreditAccess Grameen Ltd.CREDITACC | ₹23,125 Cr | 19.08 | — | 11.9% | 57.1% | 16.4% | 24.0% | +6.4% |
Muthoot Microfin LimitedMUTHOOTMF | ₹3,500 Cr | 14.02 | — | 0.8% | 51.0% | 8.9% | — | +21.9% |
Fusion FinanceFUSION | ₹3,285 Cr | 19.77 | — | -17.0% | 37.3% | 8.2% | — | +19.7% |
Satin Creditcare Network LimitedSATIN | ₹2,439 Cr | 5.93 | — | 20.5% | 57.0% | 15.2% | 89.1% | +50.7% |
Spandana Sphoorty Financial LimitedSPANDANA | ₹1,710 Cr | -5.64 | — | -48.5% | 7.4% | -13.7% | — | -9.0% |
As of Q1 FY27
Financials
CreditAccess Grameen Ltd.
NSE: CREDITACC · Microfinance Institutions
Snapshot
Unlock CreditAccess Grameen Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
CreditAccess Grameen Limited is a non-banking financial company that provides microfinance services primarily to women from low-income households in India. The company offers a diverse range of credit products for income generation, home improvement, and emergency needs, alongside insurance and pension schemes.
Business Model
The company operates on a microfinance model, generating revenue through interest income on small-ticket loans provided to rural and semi-urban borrowers. It leverages a vast network of branches to maintain high-touch engagement with its customer base.
- Branches:1,635
Growth Outlook
Growth is driven by the expansion of its retail finance portfolio and the deepening of its presence in rural markets across India. The company continues to diversify its product offerings to include home improvement and livelihood-related credit.
Key Risks
- Credit Risk. The company is exposed to potential defaults from low-income borrowers who may be vulnerable to economic downturns or income volatility.
- Regulatory Risk. Changes in microfinance regulations by the Reserve Bank of India regarding interest rate caps or lending practices could impact profitability.
- Operational Risk. Managing a large, geographically dispersed branch network requires robust internal controls to mitigate fraud and ensure efficient loan collection.
- Interest Rate Risk. Fluctuations in the cost of funds can compress net interest margins, particularly if the company cannot pass on increased costs to its price-sensitive customer base.
Start your research today
Unlock AI insights, financials, peers and live data on CreditAccess Grameen Ltd. and 5,000+ companies — free.
Key Metrics
REVENUE
₹6,380 Cr
TTM · consolidated
NET PROFIT
₹1,211 Cr
TTM · consolidated
EPS
₹75.62
TTM · consolidated
RETURN ON EQUITY
16.4%
TTM · consolidated
P/E
19.1x
Q1 FY27 · consolidated
EBITDA MARGIN
57.1%
TTM · consolidated
NET PROFIT MARGIN
27.7%
Q1 FY27 · consolidated
Peers · Microfinance Institutions
As of Q1 FY27