CreditAccess Grameen Peer Comparison

NSE: CREDITACC | BSE: 541770

₹1,027.40

₹-61.10 (-5.61%)

As on 23-Oct-2026IST

Market cap

₹16,533 Cr

Revenue (TTM)

₹6,775 Cr

P/E Ratio

10.4

P/B Ratio

1.9

Div. Yield

0 %

Edit

	CreditAccess Grameen	Paisalo Digital	Fedbank Financial	Aye Finance	Regency Fincorp
Market cap (₹ Cr)	16,533	7,220	5,602	3,321	554
Revenue (₹ Cr)	6,775	1,039	2,561	1,963	65
Net Profit (₹ Cr)	1,586.60	265.45	433.57	289.73	22.97
Net Margin (%)	23.40	25.56	16.91	14.36	32.34
RoE (%)	18.93	14.27	14.24	11.09	13.13
Price to Earnings	10.42	27.20	12.92	11.46	24.12
Price-To-Book	1.85	3.80	1.77	1.23	2.92

Income Statement (₹ Cr)

	CreditAccess Grameen	Paisalo Digital	Fedbank Financial	Aye Finance	Regency Fincorp
Operating Income	6,058.92	943.70	2,223.60	1,814.73	19.96
Other Income	3.62	--	21.88	48.51	1.71
Total Income	6,062.54	943.70	2,245.48	1,863.24	21.66
Interest Expense	1,905.13	374.33	879.32	538.75	8.01
PBT & Exceptional Items	1,033.20	319.19	461.01	247.30	6.69
Operating Expenses	3,061.13	244.58	850.68	1,050.88	6.23
Exceptional Income/Expenses	--	-0.78	--	--	--
Profit before Tax	1,033.20	318.41	461.01	247.30	6.69
Taxes	255.56	81.20	117.41	53.67	1.72
Profit after Tax	777.64	237.21	343.60	193.63	4.98
Minority Interest	--	--	--	--	--
Share of Associate	--	--	--	--	--
Consolidated Profit	777.64	237.21	343.60	193.63	4.98

	CreditAccess Grameen	Paisalo Digital	Fedbank Financial	Aye Finance	Regency Fincorp
Shareholder's Funds	7,842.25	1,792.98	2,926.10	2,532.71	121.84
Minority Interest	--	--	--	--	--
Non-Current Liabilities	11,521.13	4,236.61	8,386.42	2,593.00	49.23
Current Liabilities	13,462.67	343.26	5,552.88	2,593.85	58.05
Total Liabilities	33,153.91	6,372.84	16,874.78	7,772.94	229.11

	CreditAccess Grameen	Paisalo Digital	Fedbank Financial	Aye Finance	Regency Fincorp
Non-Current Assets	29,933.70	102.49	15,350.10	6,461.60	177.64
Current Assets	2,892.35	6,233.31	1,515.30	1,257.96	51.47
Total Assets	33,153.91	6,372.84	16,874.78	7,772.94	229.11
Contingent Liabilities	4.00	--	1.16	15.80	--

	CreditAccess Grameen	Paisalo Digital	Fedbank Financial	Aye Finance	Regency Fincorp
Cash From Operating Activities	-2,770.21	-782.76	-1,664.16	-1,354.64	11.39
Cash Flow from Investing Activities	-100.65	-15.21	-30.60	-125.36	-48.17
Cash from Financing Activities	2,750.95	843.17	2,309.89	1,169.22	68.11
Net Cash Inflow / Outflow	-119.91	45.20	615.13	-310.78	31.33

	CreditAccess Grameen	Paisalo Digital	Fedbank Financial	Aye Finance	Regency Fincorp
ROCE (%)	9.98	12.38	9.17	11.45	7.91
ROE (%)	10.59	14.52	12.60	9.39	6.47
ROA (%)	2.52	4.06	2.28	2.77	2.64
EBIT Margin (%)	49.54	74.08	62.73	44.76	77.35
Net Margin (%)	12.83	25.14	15.30	10.39	22.97
Cash Profit Margin (%)	13.88	25.73	17.90	12.12	28.59

	CreditAccess Grameen	Paisalo Digital	Fedbank Financial	Aye Finance	Regency Fincorp
Revenue Growth (%)	5.33	22.38	7.84	24.32	30.64
EBIT Growth (%)	10.10	16.49	15.62	13.02	24.68
Net Profit Growth (%)	46.34	18.53	52.59	13.06	152.97
EPS Growth (%)	45.90	17.57	51.98	-12.63	52.07
Book Value Growth (%)	12.59	15.66	14.68	53.37	113.16

	CreditAccess Grameen	Paisalo Digital	Fedbank Financial	Aye Finance	Regency Fincorp
Price / Earnings	23.80	12.94	13.51	12.05	36.04
Price / Book Value	2.38	1.75	1.59	0.93	1.71
Dividend Yield (%)	0.00	0.30	0.00	0.00	0.00
EV/EBITDA	13.62	10.41	12.00	7.86	15.44
Market Cap (₹ Cr)	18,508.79	3,069.66	4,641.99	2,332.47	179.34

	CreditAccess Grameen	Paisalo Digital	Fedbank Financial	Aye Finance	Regency Fincorp
Debt to Equity	3.04	2.49	4.63	2.01	1.00
Short term debt to equity ratio	1.65	0.09	1.80	0.96	0.45
Current Ratio	0.21	18.16	0.27	0.49	0.89
Quick Ratio	0.21	18.16	0.27	0.49	0.89
Interest Coverage	1.54	1.85	1.52	1.46	1.84

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.