CreditAccess Grameen Ltd (CREDITACC) share price, results, shareholding

Price

Drag to pan, scroll or pinch to zoom. Ruler (or Shift + drag) measures a move.Dashed lines: 52 week high and low. Prices adjusted for splits and bonuses.

Financials

Standalone, Rs crore

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Revenue	1,247	1,292	1,457	1,512	1,453	1,380	1,407	1,463	1,508	1,490	1,597	1,783
Interest	424	442	482	510	485	475	478	482	480	459	478	550
Expenses	342	365	434	453	700	1,020	864	885	845	678	660	558
Financing Profit	481	486	542	549	269	-115	65	96	184	353	459	675
Financing Margin %	39%	38%	37%	36%	18%	-8%	5%	7%	12%	24%	29%	38%
Other Income	1	3	2	1	1	2	1	1	1	1	1	1
Depreciation	12	13	14	14	17	16	15	15	16	16	16	16
Profit before tax	469	476	529	535	252	-129	51	81	169	338	445	660
Tax %	26%	26%	25%	26%	26%	-23%	8%	26%	26%	25%	24%	25%
Net Profit	349	353	397	398	186	-100	47	60	126	252	340	493
EPS in Rs	21.95	22.20	24.91	24.95	11.67	-6.24	2.96	3.77	7.87	15.75	21.20	30.79
Gross NPA %	0.77%	0.97%	1.18%	1.46%	2.44%	3.99%	4.76%	4.70%	3.65%	4.04%	3.17%	2.18%
Net NPA %	0.24%	0.29%	0.35%	0.45%	0.76%	1.28%	1.73%	1.78%	1.26%	1.36%	1.12%	0.76%

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Revenue	464	708	871	1,282	1,683	2,028	2,669	3,487	5,167	5,752	6,059	6,380
Interest	208	317	354	417	575	745	987	1,216	1,738	1,955	1,905	1,967
Expenses	126	264	184	361	639	1,069	1,235	1,179	1,444	3,030	3,061	2,740
Financing Profit	130	128	332	504	470	214	447	1,092	1,984	767	1,093	1,672
Financing Margin %	28%	18%	38%	39%	28%	11%	17%	31%	38%	13%	18%	26%
Other Income	2	1	1	1	1	3	81	64	6	4	4	4
Depreciation	3	4	5	8	20	23	47	50	51	62	63	64
Profit before tax	130	124	328	498	451	194	481	1,105	1,939	709	1,033	1,612
Tax %	36%	35%	35%	35%	27%	27%	27%	25%	25%	25%	25%
Net Profit	83	80	212	322	328	142	353	826	1,446	531	778	1,211
EPS in Rs	11.41	9.37	16.54	22.41	22.75	9.15	22.65	52.87	90.72	33.27	48.54	75.61
Dividend Payout %	0%	0%	0%	0%	0%	0%	0%	0%	11%	0%	0%

	10 Years	5 Years	3 Years	TTM	1 Year	Last Year
Compounded Sales Growth	29%	24%	20%	12%
Compounded Profit Growth	25%	40%	-2%	524%
Stock Price CAGR	%	14%	-3%		-10%
Return on Equity	13%	14%	14%			11%

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	73	73	86	128	144	144	156	156	159	159	160	160
Reserves	303	387	605	1,309	2,222	2,525	3,479	4,011	4,948	6,411	6,796	7,682
Borrowing	1,291	2,233	2,668	3,623	4,867	7,823	8,781	12,921	16,312	21,841	20,446	23,641
Other Liabilities	60	115	205	53	126	170	281	394	439	460	401	446
Total Liabilities	1,727	2,808	3,564	5,114	7,357	10,662	12,697	17,482	21,858	28,871	27,802	31,930
Fixed Assets	4	11	12	16	25	87	101	629	599	609	604	588
CWIP	2	0	3	1	2	3	1	3	4	5	4	0
Investments	0	0	0	0	0	661	663	1	455	1,439	893	1,075
Other Assets	1,720	2,796	3,549	5,096	7,330	9,911	11,932	16,849	20,801	26,818	26,302	30,267
Total Assets	1,727	2,808	3,564	5,114	7,357	10,662	12,697	17,482	21,858	28,871	27,802	31,930

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from Operating Activity	-931	-425	-1,726	-1,378	-2,302	-364	-1,969	-3,290	-4,734	1,125	-2,770
Cash from Investing Activity	-4	-5	54	-7	-636	-32	-189	-314	-994	708	-101
Cash from Financing Activity	934	579	1,470	1,829	2,929	1,706	1,684	3,365	5,494	-1,669	2,751
Net Cash Flow	-1	149	-202	444	-9	1,310	-473	-239	-234	164	-120
Free Cash Flow	-939	-433	-1,731	-1,396	-2,323	-376	-1,992	-3,307	-4,754	1,092	-2,788
CFO/OP	-262%	-79%	-241%	-130%	-205%	-27%	-129%	-132%	-112%	54%	-86%

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	17%	20%	14%	20%	17%	13%	5%	9%	18%	25%	8%	11%

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Promoters	66.69%	66.66%	66.58%	66.56%	66.54%	66.50%	66.43%	66.43%	66.37%	66.28%	66.24%	66.21%
FIIs	11.46%	12.00%	11.65%	10.88%	10.76%	9.76%	11.38%	12.13%	12.29%	11.68%	12.94%	13.48%
DIIs	15.78%	15.79%	15.76%	16.25%	14.86%	14.17%	12.67%	12.76%	13.33%	13.23%	12.59%	12.67%
Public	6.08%	5.57%	6.01%	6.31%	7.83%	9.57%	9.50%	8.67%	8.02%	8.81%	8.23%	7.64%
No. of Shareholders	51,172	57,989	69,824	83,603	1,03,928	1,25,004	1,19,819	1,01,902	83,943	85,666	83,884	79,071

Fundamentals

Market Cap₹ 19,520 Cr.

Current Price₹ 1,216

Stock P/E16.1

Book Value₹ 490

ROCE9.98 %

ROE10.5 %

Dividend Yield0.00 %

Face Value₹ 10.0

Compounded Sales Growth (TTM)12%

Compounded Profit Growth (TTM)524%

Standalone figures.

Valuation

Market capRs 19,789 Cr

Enterprise valueRs 42,104 Cr

P/E (TTM)16.34x

Price to book2.52x

Price to sales3.10x

EV / EBITDA11.56x

EV / EBIT11.76x

EV / sales6.60x

Earnings yield6.12%

P/E, 3-year average22.76x

P/B, 3-year average2.68x

P/E, 5-year average24.68x

P/B, 5-year average2.81x

Profitability

Operating margin (excl. other income)49.48%

Operating margin (incl. other income)49.54%

EBITDA margin57.11%

Pre-tax margin25.27%

Net profit margin18.98%

Net margin, latest quarter27.66%

ROE10.51%

ROCE9.98%

ROA2.60%

ROE, 3-year average14.38%

ROCE, 3-year average11.43%

ROA, 3-year average3.39%

ROE, 5-year average14.00%

ROCE, 5-year average11.26%

ROA, 5-year average3.34%

ROIC (approx.)8.93%

Tax rate24.73%

Other income / net worth0.05%

Growth

Sales growth (latest year)5.33%

Profit growth (latest year)46.34%

Sales CAGR, 3 years20.22%

Sales CAGR, 5 years24.47%

Profit CAGR, 3 years-1.99%

Profit CAGR, 5 years40.43%

Sales growth QoQ11.66%

Profit growth QoQ45.31%

Sales growth YoY (latest quarter)21.92%

Profit growth YoY (latest quarter)719.72%

Per share

EPS (TTM)Rs 75.81

EPS (latest year)Rs 48.69

EPS (latest quarter)Rs 30.89

EPS, 3-year averageRs 57.56

EPS, 5-year averageRs 49.46

Book value per shareRs 491.00

Sales per shareRs 399.42

Cash flow per shareRs -173.45

Free cash flow per shareRs -174.56

Dividend per share, 3-year averageRs 10.00

Dividend per share, 5-year averageRs 10.00

Dividends

Dividend payout, 3-year average11.02%

Dividend payout, 5-year average11.02%

Efficiency

Asset turnover0.19x

Fixed asset turnover10.31x

Leverage

Total debtRs 23,641 Cr

Cash and bankRs 1,327 Cr

Net debtRs 22,314 Cr

Debt to equity3.01x

Net debt / EBITDA6.13x

Interest coverage1.82x

Owners' fund to total sources24.56%

Debt to assets74.04%

Cash flow

Cash from Operating Activity (latest year)Rs -2,770 Cr

Cash from Investing Activity (latest year)Rs -101 Cr

Cash from Financing Activity (latest year)Rs 2,751 Cr

Net Cash Flow (latest year)Rs -120 Cr

Free cash flow (latest year)Rs -2,788 Cr

FCFE (approx.: FCF + change in debt)Rs 407 Cr

Cash from ops / profit, 5 years-2.96x

Statement figures

Net sales (TTM)Rs 6,380 Cr

Net sales (latest year)Rs 6,059 Cr

Sales (latest quarter)Rs 1,783 Cr

Operating profit excl. other income (latest year)Rs 2,998 Cr

Operating profit (latest quarter)Rs 1,225 Cr

Other income (TTM)Rs 4 Cr

EBITDA (TTM)Rs 3,643 Cr

PBDT (TTM)Rs 1,676 Cr

Profit before tax (TTM)Rs 1,612 Cr

Tax (latest year)Rs 256 Cr

Net profit (TTM)Rs 1,211 Cr

Net profit (latest year)Rs 778 Cr

Net profit (latest quarter)Rs 493 Cr

Depreciation (TTM)Rs 64 Cr

Depreciation (latest quarter)Rs 16 Cr

Interest (TTM)Rs 1,967 Cr

Cost of goods sold (latest year)Rs 69 Cr

Total expenditure (latest year)Rs 3,061 Cr

Total income (latest year)Rs 6,063 Cr

Share capitalRs 160 Cr

ReservesRs 7,682 Cr

Shareholders' fundsRs 7,842 Cr

Total assetsRs 31,930 Cr

Net blockRs 588 Cr

Capital work in progressRs 0 Cr

InvestmentsRs 1,075 Cr

Other liabilitiesRs 446 Cr

Shares outstanding (crore)15.97

Ownership

Promoter holding66.21% (-0.22 in a year)

Computed by MarketFriction from the standalone statements. Returns use average balances.

P/E 16.3 is at the 8th percentile of its own 8.2-year range (median 32.8, low 9.8, high 159.7).

P/B 2.52 is at the 7th percentile (median 3.54).

Monthly. Market cap from split-adjusted price; profit and book value as reported by that month. A low percentile means cheap versus its own history, not cheap versus peers.

Period	CREDITACC	Nifty 50	Difference
1 week	-5.8%	-2.8%	-3.0 pts
1 month	-11.1%	-6.8%	-4.3 pts
3 months	-20.4%	-7.6%	-12.8 pts
6 months	+7.0%	+0.4%	+6.6 pts
1 year	-12.5%	-9.9%	-2.6 pts
2 years	-0.4%	-13.6%	+13.2 pts
3 years	-5.8%	+14.2%	-20.0 pts
5 years	+94.3%	+27.9%	+66.4 pts

106 mutual fund schemes hold about ₹2,655 Cr. Over three months 86 bought more and 11 sold (share counts, price move removed).

Fund	Weight	Est. Cr	3m shares
Edelweiss Mid Cap Fund	1.40%	278	+3%
Axis Small Cap Fund	0.74%	232	+20%
ICICI Pru Multi Cap Fund	0.85%	166	+7%
ICICI Pru Multi Cap Fund	0.85%	160	+7%
Canara Rob Small Cap Fund	1.05%	155	+10%
HSBC Small Cap Fund	0.75%	143	+104%
Nippon India Small Cap Fund	0.17%	142	+43%
Aditya Birla SL Flexi Cap Fund	0.47%	135	+6%
UTI Mid Cap Fund	0.96%	123	+17%
HDFC Large & Mid Cap Fund	0.32%	98	+11%
HSBC Flexi Cap Fund	1.28%	77	+21%
HDFC Retirement Fund-Equity Plan	1.07%	75	+12%
ICICI Pru Banking & Fin Serv Fund	0.42%	48	+100%
ICICI Pru Banking & Fin Serv Fund	0.42%	47	+100%
Edelweiss Large & Mid Cap Fund	0.78%	39	+9%
ICICI Pru Active Momentum Fund	1.78%	39	+97%
Canara Rob Large and Mid Cap Fund	0.14%	38	-38%
HDFC Banking & Financial Services Fund	0.74%	35	+100%
Edelweiss Flexi Cap Fund	0.87%	32	+8%
Axis Business Cycles Fund	1.45%	31	+11%
Altiva Equity Ex-Top 100 Long-Short Fund	3.25%	31	+127%
Edelweiss Multi Cap Fund	0.86%	30	+8%
Bank of India Flexi Cap Fund	1.02%	30	+2%
HDFC Multi Asset Allocation Fund	0.45%	27	+12%
Bank of India Small Cap Fund	0.81%	27	-11%

Red flags

F-score 4 of 8

explain	Weak cash conversion Cash from operations was -232% of net profit over the last 3 years
explain	High accruals Profit exceeded operating cash by 11% of total assets in 2026
look	Regulator order or action Regulator order or action 2026-02-28: CREDITACCESS GRAMEEN LIMITED has informed the Exchange about Action(s) taken or orders passed

Checks on the latest reported years: cash vs profit, accruals, receivables and inventory vs sales, dilution, debt, interest cover, equity, other income, losses, and auditor, top-management, insolvency and regulator filings in the last 12 months. A flag asks for an explanation; it is not a verdict.

Insider trades

NSE insider and takeover-code disclosures

Date	Who	Role	Side	Shares	Value	How
2022-02-17	HARIDARSHINI A	Employees/Designated Employe	sell	1,770	Rs 0.13 Cr	Market Sale
2022-02-11	Shrivatsa H N	Employees/Designated Employe	sell	15,765	Rs 1.19 Cr	Market Sale
2022-02-11	HARIDARSHINI A	Employees/Designated Employe	sell	2,036	Rs 0.15 Cr	Market Sale
2022-02-10	UDAYA KUMAR HEBBAR	Employees/Designated Employe	sell	35,660	Rs 2.71 Cr	Market Sale
2022-02-09	HARIDARSHINI A	Employees/Designated Employe	sell	500	Rs 0.04 Cr	Market Sale
2022-02-08	LOKESH M K	Employees/Designated Employe	sell	5,000	Rs 0.36 Cr	Market Sale
2022-02-08	PIYUSH SARAOGI	Employees/Designated Employe	sell	3,000	Rs 0.22 Cr	Market Sale
2022-02-07	HARIDARSHINI A	Employees/Designated Employe	sell	3,538	Rs 0.26 Cr	Market Sale
2021-12-29	UDAYA KUMAR HEBBAR	-	sell	5,199	Rs 0.32 Cr	Market Sale
2021-12-15	UDAYA KUMAR HEBBAR	-	sell	29,180	Rs 1.95 Cr	Market Sale
2021-09-08	MANJUNATHA	-	sell	2,000	Rs 0.14 Cr	Market Sale
2021-08-27	Reshma Mehaboob	-	sell	2,000	Rs 0.13 Cr	Market Sale

Latest disclosed trades by insiders, promoters and large holders. Grants, option exercises and pledges show as "other". A filing is a fact, not a signal on its own.

Latest quarter

Jun 2026

Revenue ₹1,783 Cr +21.9% vs Jun 2025. Net profit ₹493 Cr +721.7%.

Activity

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No bulk or block deals on record.

Ex-date	Action	Factor
2024-07-26	Annual General Meeting/Dividend - Rs 10 Per Share
2020-08-06	Annual General Meeting
2019-07-25	Annual General Meeting

Date	Type	What it says
2026-10-01	Allotment	Allotment of 21500 securities pursuant to Non Convertible Debentures at its meeting held on October 01, 2026
2026-09-30	General Updates	General Updates
2026-09-29	Concall / analyst meet	Schedule of meet
2026-09-25	Concall / analyst meet	Schedule of meet
2026-09-18	ESOP	Allotment of 33689 Shares.
2026-09-18	Concall / analyst meet	Schedule of meet
2026-09-18	Concall / analyst meet	Schedule of meet
2026-09-17	Concall / analyst meet	Schedule of meet
2026-09-04	ESOP	Allotment of 30135 Shares.
2026-09-03	Press Release	A press release dated September 03, 2026, titled "Press Release".
2026-09-02	Allotment	Allotment of 30000 Non Convertible Debentures
2026-08-20	ESOP	Allotment of 43025 Shares.
2026-08-19	Concall / analyst meet	Schedule of meet
2026-08-13	Concall / analyst meet	Schedule of meet
2026-08-11	Concall / analyst meet	Schedule of meet
2026-08-10	Concall / analyst meet	Schedule of meet
2026-08-07	Allotment	Allotment of 101320 securities pursuant to ESOP/ESPS at its meeting held on August 06, 2026
2026-08-06	General Updates	General Updates
2026-08-05	Reply to Clarification- Fina	The Exchange had sought clarification from CREDITACCESS GRAMEEN LIMITED for the quarter ended 30-Jun-2026 with respect to Regulation 33 of the SEBI (L...
2026-08-03	Concall / analyst meet	Schedule of meet
2026-07-31	Clarification - Financial Re	The Exchange has sought clarification from CREDITACCESS GRAMEEN LIMITED for the quarter ended 30-Jun-2026 with respect to Regulation 33 of the SEBI (L...
2026-07-29	Concall / analyst meet	Transcript
2026-07-24	Concall / analyst meet	Link of Recording
2026-07-24	Press Release	A press release dated July 24, 2026, titled "Press Release".
2026-07-24	Investor Presentation	Investor Presentation

Company filings to NSE, newest first. Routine notices (trading window, newspaper copies) are left out. Click a row for the filing.

No short selling reported to NSE in our files.

Short sales disclosed by brokers to NSE, by trade date. Collected since late September 2026.

Not on any NSE surveillance list in the latest file.