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CreditAccess Grameen Ltd

Updated on January 21, 2020

Stock/Share Code - CREDITACC

CreditAccess Grameen is a microfinance institution providing a wide range of financial services to the rural poor and low-income households, particularly women.(Source : Company web-site)

Below is the details of CREDITACC CreditAccess Grameen Ltd

Market Cap₹11,534 Cr.
Current Price ₹792.7 as on 10 Dec 19
52 Week High / Low Price₹849 / ₹329.9
Face Value₹10
Stock P/E30.94
Book Value₹177.66
Dividend Yield0.00 %
ROCE14.89 %
ROE16.93 %
Sales Growth (3yrs)40.25 %
IndustryFinance & Investments
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros: Company is expected to give good quarter Company has good consistent profit growth of 80.86% over 5 years
Cons: Though the company is reporting repeated profits, it is not paying out dividend

CreditAccess Grameen Ltd Price Chart

CreditAccess Grameen Ltd Price Chart

CreditAccess Grameen Ltd Peer Comparison in Finance

S.No. Name CMP Rs. P/E Mar Cap Rs.Cr. Div Yld % NP Qtr Rs.Cr. Qtr Profit Var % Qtr Sales Var % Sales Qtr Rs.Cr. ROCE %
1. Bajaj Fin. ₹3,232.5 52.86 ₹245,140.16 Cr. 0.14 ₹1,376.67 Cr. 49.59 40.69 5696.63 13.02
2. Bajaj Finserv ₹3,232.5 38.78 ₹144,978.05 Cr. 0.03 ₹1,203.72 Cr. 70.98 46.65 14221.86 14.02
3. HDFC AMC ₹2,295.15 63.76 ₹75,205.79 Cr. 0.68 ₹368.24 Cr. 78.84 3.67 498.00 51.64
4. Bajaj Holdings ₹3,232.5 12.13 ₹39,667.65 Cr. 0.91 ₹1,028.66 Cr. 34.54 -9.09 117.60 12.16
5. Muthoot Finance ₹691.25 11.40 ₹27,180.62 Cr. 1.77 ₹857.92 Cr. 77.32 29.55 2136.89 16.22
6. Shriram Trans. ₹5.7 9.16 ₹25,573.91 Cr. 1.06 ₹768.29 Cr. 25.39 7.10 4217.54 11.36
7. Aditya Birla Cap ₹96.35 25.37 ₹25,316.05 Cr. 0.00 ₹255.78 Cr. 37.46 10.72 3975.94 9.32
8. CreditAcc. Gram. 30.94 ₹11,534.49 Cr. 0.00 ₹100.88 Cr. 37.33 26.41 391.53 14.89

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CreditAccess Grameen Ltd Fundamentals

Quarterly Results

Quarterly reports are issued by companies every three months. Most companies have a financial year-end of Mar. 31 and quarters that end on June 30, Sept. 30, Dec. 31 and March 31.

Standalone Figures in Rs. Crores

Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019
Employee Cost %16.45%14.67%13.74%15.48%14.18%15.04%13.98%14.89%15.6%16.71%
Financing Profit239399112114116155119150132
Financing Margin %13%43%43%45%40%37%44%35%40%34%
Other Income0020000111
Profit before tax229299111112114154118148127
Tax %36%34%35%35%36%36%35%35%35%21%
Net Profit1461647272731007696101
EPS in Rs0.997.126.596.736.055.566.965.776.677.02
Gross NPA %0.00%5.80%0.00%0.82%0.00%1.00%0.00%0.61%0.00%0.00%
Net NPA %0.00%0.20%0.00%0.00%0.00%0.05%0.00%0.00%0.00%0.00%

Profit & Loss

The profit and loss (P&L) statement is a financial statement that summarizes the revenues, costs and expenses incurred during a specified period, usually a fiscal quarter or year. The P&L statement is synonymous with the income statement. These records provide information about a company's ability or inability to generate profit" by increasing revenue, reducing costs or both. Some refer to the P&L statement as a statement of profit and loss, income statement, statement of operations, statement of financial results or income, earnings statement or expense statement.

Standalone Figures in Rs. Crores

Mar 2014Mar 2016Mar 2017Mar 2018Mar 2019TTM
Manufacturing Cost %0.62%0.74%0.68%0.67%0.53%%
Employee Cost %20.03%15.22%14.78%14.98%14.52%%
Other Cost %13.76%11.24%21.81%5.45%13.09%%
Financing Profit24130128332504557
Financing Margin %16%28%18%38%39%38%
Other Income221123
Profit before tax25130124328498546
Tax %33%36%35%35%35%
Net Profit178380212322373
EPS in Rs3.1411.419.3716.5422.4126.42
Dividend Payout %0%0%0%0%0%

Compounded Sales Growth

  • 5 Years:: 54.40%
  • 3 Years:: 40.25%
  • TTM:: 35.41%

Compounded Profit Growth

  • 5 Years:: 80.86%
  • 3 Years:: 56.95%
  • TTM:: 32.30%

Return on Equity

  • 1 Year:: 106.12%

Balance Sheet

A balance sheet is a financial statement that reports a company's assets, liabilities and shareholders' equity at a specific point in time, and provides a basis for computing rates of return and evaluating its capital structure. It is a financial statement that provides a snapshot of what a company owns and owes, as well as the amount invested by shareholders. It is used alongside other important financial statements such as the income statement and statement of cash flows in conducting fundamental analysis or calculating financial ratios.

Standalone Figures in Rs. Crores

Mar 2014Mar 2016Mar 2017Mar 2018Mar 2019Sep 2019
Share Capital537386128144144
Equity Capital52.9572.9585.68128.43143.55143.36
Other Liabilities4611520553126647
Trade Payables0004.058.2994.9
Total Liabilities1,0582,8083,5645,1147,3578,317
Fixed Assets31112162596
Gross Block5.7818.4723.3732.3447.97
Accumulated Depreciation3.157.1411.1116.1823.23
Other Assets1,0552,7963,5495,0967,3308,221
Trade receivables000000.31
Cash Equivalents325.03254.92363.69143.06615.55677.98
Loans n Advances526.541731.062535.3252.86103.367415.66
Other Assets etc203.45810.45649.574900.236611.15126.66
Total Assets1,0582,8083,5645,1147,3578,317

Cash Flows

Cash flow is the net amount of cash and cash-equivalents being transferred into and out of a business. At the most fundamental level, a company’s ability to create value for shareholders is determined by its ability to generate positive cash flows, or more specifically, maximize long-term free cash flow.

Standalone Figures in Rs. Crores

Mar 2014Mar 2016Mar 2017Mar 2018Mar 2019
Cash from Operating Activity-931-425-1,726-1,378
Profit from operations155.27243.72353.76595.06
Working Capital Changes-1040.4-595.38-2011.86-1791.1
Taxes paid-45.96-73.12-67.48-182.05
Cash from Investing Activity-4-554-7
Fixed Assets Purchased-7.81-8.5-5.92-14.69
Fixed Assets Sold0.
Investments purchased-2217.49-2324.9-3350.45-7056.42
Investments sold2221.322328.473357.917066.97
Cash from Financing Activity9345791,4701,829
Proceeds from Shares0150353.25630.97
Proceeds from Borrowings942.78454.9200
Repayment of Borrowings-8.3-2000
Net Cash Flow-1149-202444

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Mar 2014Mar 2016Mar 2017Mar 2018Mar 2019
ROE %14%20%17%

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