ScoreWhy is CreditAccess Grameen Ltd ?
1
Strong Long Term Fundamental Strength with a 19.75% CAGR growth in Net Sales
2
With a growth in Net Profit of 619.23%, the company declared Very Positive results in Mar 26
- The company has declared positive results for the last 2 consecutive quarters
- PBDIT(Q) Highest at Rs 937.43 cr.
- OPERATING PROFIT TO NET SALES(Q) Highest at 58.69%
- PBT LESS OI(Q) Highest at Rs 443.69 cr.
3
Stock is technically in a Mildly Bullish range
- The technical trend has improved from Sideways on 05-May-26 and has generated -15.38% returns since then
- Multiple factors for the stock are Bullish like MACD, KST and OBV
4
With ROE of 9.9, it has a Fair valuation with a 2.7 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 16.74%, its profits have risen by 46.3% ; the PEG ratio of the company is 0.6
5
High Institutional Holdings at 25.52%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 0.61% over the previous quarter.
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to CreditAcc. Gram. should be less than 10%
- Overall Portfolio exposure to Finance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is CreditAcc. Gram. for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
CreditAcc. Gram.
23.52%
0.43
38.80%
Sensex
-1.65%
-0.49
12.94%
Management Risk
Growth
Capital StructureValuationValuation Key Factors 
Factor
Value
P/E Ratio
20
Industry P/E
21
Price to Book Value
3.12
EV to EBIT
13.09
EV to EBITDA
12.86
EV to Capital Employed
1.55
EV to Sales
7.34
PEG Ratio
0.04
Dividend Yield
NA
ROCE (Latest)
9.71%
ROE (Latest)
9.92%
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend28What is working for the Company
PBDIT(Q)
Highest at Rs 1,225.37 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 68.71%
PBT LESS OI(Q)
Highest at Rs 659.11 cr.
PAT(Q)
Highest at Rs 493.39 cr.
NET SALES(Q)
Highest at Rs 1,783.49 cr
EPS(Q)
Highest at Rs 30.79
-1What is not working for the Company
DPR(Y)
Lowest at 0.00%
Loading Valuation Snapshot...
Here's what is working for CreditAcc. Gram.
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 659.11 cr has Grown at 156.1% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs 257.40 CrMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 493.39 cr has Grown at 153.8% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 194.41 CrMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 1,225.37 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 68.71% and Grown
each quarter in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 659.11 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 493.39 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Net Sales - Quarterly
Highest at Rs 1,783.49 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Net Sales (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 30.79
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Here's what is not working for CreditAcc. Gram.
Dividend Payout Ratio (DPR) - Annually
Lowest at 0.00%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
