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    Finance/Rental/Leasing
CreditAccess Grameen Ltd.

CreditAccess Grameen Ltd.

1,029.75
INR
-59.90
(-5.50%)
185.08BMarket Cap
Jan 22Next Earn
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
13.37
25.43
43.88
86.63
83.94
88.06
114.19
152.92
160.8
207.7
308.29
347.31
364.79
- -
Basic EPS, GAAP
1.64
4.79
8.19
9.38
20.91
23.37
23.2
8.96
22.29
52.04
90.88
33.32
48.63
- -
Free Cash Flow per Basic Share
-26.65
-68.72
-91.61
-54.01
-170.48
-101.36
-158.2
-31.38
-173.06
-208.34
-298.81
68.44
-174.34
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
10
- -
- -
Book Value per Share
16.14
29.31
35.81
53.79
111.93
164.75
189.9
243.37
261.03
321.38
412.23
435.51
489.54
- -
Tangible Book Value per Share
16.11
29.02
35.34
53.12
111.41
164.17
155.65
208.67
227.32
289.53
381.34
405.69
461.05
- -
Basic Weighted Avg Shares
102
102
102
80
102
138
144
150
158
159
159
159
160
160
Sales/Revenue/Turnover
1,359
2,584
4,460
6,950
8,532
12,127
16,416
22,868
25,470
32,970
49,050
55,392
58,332
- -
Operating Margin (%)
10.99
22.07
28.19
22.34
49.32
48.82
46.53
45.7
44.6
42.91
47.97
47.45
47.42
- -
Depreciation Expense
5
19
26
44
52
78
204
441
472
498
512
622
631
- -
Net Income, GAAP
166
487
832
753
2,125
3,218
3,336
1,340
3,531
8,261
14,459
5,314
7,776
- -
Effective Tax Rate (%)
32.96
34.95
35.74
35.45
35.26
35.36
27.32
27.16
26.56
25.27
25.44
25.04
24.73
- -
Profit Margin (%)
12.24
18.86
18.66
10.83
24.91
26.53
20.32
5.86
13.86
25.06
29.48
9.59
13.33
- -
Working Capital
3,705
6,080
7,597
11,838
13,820
24,453
16,340
36,255
32,842
47,324
78,680
59,916
49,809
- -
LT Debt
3,700
5,850
11,221
11,759
14,842
22,595
40,351
47,937
58,761
83,527
119,705
99,852
107,121
- -
Total Equity
2,073
3,764
4,599
6,908
14,375
23,651
28,432
38,913
41,669
51,070
65,700
69,560
78,423
- -
Return on Invested Capital (%)
1.43
2.82
3.72
3.32
6.77
5.5
3.89
1.54
2.8
4.61
6.11
2.01
2.84
- -
Return on Capital (%)
2.28
3.83
4.3
3.6
6.95
6.18
3.99
1.8
3.09
4.9
6.46
2.44
3
- -
Return on Common Equity (%)
10.46
16.7
19.91
13.08
19.97
16.92
13.08
4.11
8.99
18.01
24.77
7.86
10.51
- -

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
129,290
- -
LT Borrowings
- -
107,121
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
160
160
160
Market Capitalization
203,918
185,082
238,787

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
182,362
- -
Cash, Cash Equivalents & STI
- -
24,185
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
132,553
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
129,290
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
35.68%
15.38%
12.74%
Free Cash Flow
28.08%
14.05%
-355.39%
Net Income, GAAP
52.36%
71.11%
46.34%
Sales/Revenue/Turnover
30.32%
21.57%
5.31%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
14,644
14,338
13,637
13,866
55,392
2026
14,144
- -
14,685
15,733
58,332
2027
17,486
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
24.95
11.67
-6.24
2.96
33.32
2026
3.77
- -
15.76
21.2
48.63
2027
30.79
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
10
2026
- -
- -
- -
- -
- -
2027
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Ganesh Narayanan
Full Time Employees
21,941
Sector
Finance
Industry
Finance/Rental/Leasing
Address
New No. 49 (Old No725) 46th Cross Bangalore KA India 560070
IPO Date
Aug 23, 2018
Website
creditaccessgrameen.in
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Business
CreditAccess Grameen Limited, India's largest non-banking financial company-microfinance institution headquartered in Bengaluru and founded in 1991, provides microfinance services exclusively to rural women organized in joint liability groups across 477 districts in 16 states and one union territory. The company offers a comprehensive suite of microloan products including Grameen Vikas Loan for income generation and business capital; Grameen Two-Wheeler Loan for asset acquisition; Unnati Loan and Grameen Vishesh Loan for family welfare and emergencies; Grameen Housing Loan and Gruha Vikas Loan for home improvement and affordable housing; Grameen Swarna Loan for festival celebrations and education; as well as digital lending solutions such as MAHI customer app, Pragathi Digital Loan, and Multi-Purpose Digital Loan to enhance accessibility; all tailored to lifecycle needs like health care, water, and sanitation. It operates through 2,209 branches with gross assets under management exceeding INR 25,000 crore, serving over 44.4 lakh borrowers and employing 21,701 staff, with CreditAccess India B.V. as its promoter. Recent developments include securing a landmark USD 100 million multi-currency syndicated social loan facility in June 2025 led by Standard Chartered Bank, following a USD 50 million investment from the International Finance Corporation in February 2025 and a Euro 25 million co-financing facility with DEG and Citi in November 2024; appointing Ganesh Narayanan as managing director and CEO in August 2025 and Nilesh Dalvi as CFO in September 2024; expanding with approximately 200 new branches in FY25 to support 24-25% AUM growth; and accelerating asset quality improvements through write-offs, targeting normalization by late 2025 while increasing retail financing to 12-15% of the loan book by FY28.