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CreditAccess Grameen Key Ratios

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NSE: CREDITACC | BSE: 541770

₹1,239.00

up-down-arrow ₹-33.00 (-2.59%)

As on 01-Oct-2026IST

Market cap

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₹19,887 Cr

Revenue (TTM)

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₹6,380 Cr

P/E Ratio

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16.4

P/B Ratio

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2.4

Div. Yield

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0 %

Key Ratios and Highlights

Growth Score (%) Quarterly Annual (TTM)
Particulars QoQ YoY 1-Year 3-Years 5-Years
Revenue 11.66 21.92 11.86 17.27 21.30
EBIT 31.18 114.95 64.71 9.86 27.78
Net Profit 45.31 719.72 16.62 18.71 24.38
EPS 45.25 717.06 521.95 4.83 61.36
Book Value -- -- 12.25 14.88 15.44
Key Ratios (%) Average Annual (TTM)
Particulars3-Years5-YearsTTMMar-26Mar-25
EBIT-Margin info 55.2557.5956.0448.4446.24
Net Margin info 16.6717.4018.9712.839.23
Return on equity info 14.4614.0516.1410.597.90
Return on Assets info 3.273.204.052.521.80

Profitability

View Detailed Peer Comparison

ROCE

--

--

Earning before interest and taxes / (Average net worth + Average total Debt) * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
CreditAccess Grameen
--
9.98
9.55
14.76
12.06
Peer Median
--
9.59
10.60
9.14
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROE

16.14

Higher than Peers by 7.65

Profit after tax / Average Net worth * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
CreditAccess Grameen
16.14
10.59
7.90
24.87
17.87
Peer Median
8.49
10.17
10.78
8.66
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROA

4.05

Higher than Peers by 1.48

Profit after tax / Average Total assets * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
CreditAccess Grameen
4.05
2.52
1.80
5.50
4.08
Peer Median
2.58
2.60
3.50
2.67
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Margin

56.04

Lower than Peers by 14.47

Operating profit (EBIT) / Net Sales * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
CreditAccess Grameen
56.04
48.44
46.24
71.06
65.33
Peer Median
70.52
62.35
61.18
97.28
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Margin

18.97

Lower than Peers by 5.39

Net profit / Total Income (Net sales plus other income) * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
CreditAccess Grameen
18.97
12.83
9.23
27.95
23.26
Peer Median
24.36
18.52
26.68
51.92
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Cash Profit Margin

--

--

(Net profit + Depreciation) / Gross Sales * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
CreditAccess Grameen
--
13.88
10.32
28.98
24.71
Peer Median
--
--
--
0.00
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Growth

View Detailed Peer Comparison

Revenue Growth

11.86

Lower than Peers by 6.81

Year on year growth in net sales

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
CreditAccess Grameen
11.86
5.33
11.34
45.74
29.25
Peer Median
18.67
15.00
17.06
34.70
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Growth

64.71

Higher than Peers by 46.86

Year on year growth in operating profit (EBIT)

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
CreditAccess Grameen
64.71
10.33
-27.55
58.54
58.52
Peer Median
17.85
25.91
15.67
38.04
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Profit Growth

16.62

Lower than Peers by 2.09

Year on year growth in profit after tax

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
CreditAccess Grameen
16.62
46.34
-63.25
75.04
133.96
Peer Median
18.71
42.82
11.48
49.18
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EPS Growth

521.95

Higher than Peers by 513.62

Year on year growth in earnings per share

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
CreditAccess Grameen
521.95
45.90
-63.33
74.52
129.49
Peer Median
8.33
28.48
-3.51
50.00
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Book Value Growth

--

--

Year on year growth in book value per share

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
CreditAccess Grameen
--
12.59
5.63
28.53
22.44
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Solvency

View Detailed Peer Comparison

Debt to Equity

--

--

Total debt / Net worth

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
CreditAccess Grameen
--
3.04
2.96
3.34
3.21
Peer Median
--
1.81
2.00
1.60
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Short term debt to equity ratio

--

--

(Short term borrowings / Net worth)

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
CreditAccess Grameen
--
1.65
1.50
1.50
0.00
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Current Ratio

1.29

Lower than Peers by 0.20

Current Assets / Current Liabilities and Provisions

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
CreditAccess Grameen
1.29
0.21
0.25
0.28
3.71
Peer Median
1.50
0.97
4.14
2.82
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Quick Ratio

1.29

Lower than Peers by 0.20

(Current Assets - Inventory) / Current Liabilities and Provisions

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
CreditAccess Grameen
1.29
0.21
0.25
0.28
3.71
Peer Median
1.50
1.52
1.54
1.36
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Interest Coverage

1.82

Lower than Peers by 0.18

Earning before interest and taxes (EBIT) / Interest Expenses

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
CreditAccess Grameen
1.82
1.54
1.36
2.12
1.91
Peer Median
2.00
1.79
1.98
2.17
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Valuation

View Detailed Peer Comparison

Price / Earnings

16.42

Lower than Peers by 3.55

Current share price divided by earning per share in the last twelve months

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
CreditAccess Grameen
16.42
23.80
28.63
15.87
17.60
Peer Median
19.97
20.39
20.09
19.35
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Price / Book Value

2.40

Higher than Peers by 0.61

Current share price divided by book value per share in the latest financial year

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
CreditAccess Grameen
2.40
2.38
2.20
3.51
2.86
Peer Median
1.80
1.83
1.53
1.83
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Dividend Yield

--

--

Dividend per share in the past twelve months divided by current share price

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
CreditAccess Grameen
--
--
--
0.69
--
Peer Median
0.13
0.09
0.05
0.16
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EV/EBITDA

11.60

--

Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
CreditAccess Grameen
11.60
13.62
12.59
11.68
12.41
Peer Median
--
15.05
13.42
23.06
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Market Cap

19,887

Higher than Peers by 12,583

Current Share price multiplied by latest total number of shares outstanding

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
CreditAccess Grameen
19,887
18,509
15,214
22,946
14,542
Peer Median
7,303
6,025
3,133
4,482
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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