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Swing Capital

CreditAccess Grameen Ltd

NSE: CREDITACC BSE: 541770Banking

CreditAccess Grameen Limited is registered as a non-deposit accepting NBFC - Microfinance Institution with the RBI. It is engaged in providing microfinance services to women who are enrolled as members and organized as Joint Liability Groups. It also uses its distribution channel to provide certain other financial products and services to the members. [1]

₹1,305
52W: ₹1084 — ₹1568
PE 26.9 · Book ₹490 · +166% vs book
Market Cap₹20,912 Cr
Stock P/E26.9Price to Earnings
ROCE9.96%Return on Capital
ROE10.5%Return on Equity
Div. Yield0%Face Value ₹10

Strengths

  • +Company's median sales growth is 31.0% of last 10 years

Weaknesses

  • −Stock is trading at 2.67 times its book value
  • −Though the company is reporting repeated profits, it is not paying out dividend
  • −Company has low interest coverage ratio.
  • −Company has a low return on equity of 13.8% over last 3 years.
  • −Dividend payout has been low at 3.67% of profits over last 3 years
  • −Promoter holding has decreased over last 3 years: -7.44%

Shareholding Pattern

Promoters66.24%
FIIs12.94%
DIIs12.59%
Public8.23%
CategoryJun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Promoters66.56%66.54%▼0.066.5%▼0.066.43%▼0.166.43%66.37%▼0.166.28%▼0.166.24%▼0.0
FIIs10.88%10.76%▼0.19.76%▼1.011.38%▲1.612.13%▲0.812.29%▲0.211.68%▼0.612.94%▲1.3
DIIs16.25%14.86%▼1.414.17%▼0.712.67%▼1.512.76%▲0.113.33%▲0.613.23%▼0.112.59%▼0.6
Public6.31%7.83%▲1.59.57%▲1.79.5%▼0.18.67%▼0.88.02%▼0.78.81%▲0.88.23%▼0.6

Financial Statements

MetricDec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Sales0000000000
Expenses3654344537001,020864885845678660
Operating Profit0000000000
OPM %0%0%0%0%0%0%0%0%0%0%
Net Profit353397398186-1004760126252340
EPS ₹22.224.9124.9511.67-6.242.963.777.8715.7521.2

AI Insights

Revenue Trend

Mar 2026 revenue at ₹0Cr, up 0% YoY. OPM at 0%.

Debt Position

Borrowings at ₹0Cr. Debt-to-equity ratio: 0.00x. Healthy balance sheet.

Institutional Flow

DIIs: 12.59% (+0.69pp change). FIIs: 12.94% (+3.39pp change). Promoters hold 66.24%.

Margin & Efficiency

ROCE improving from 0% (Mar 2015) to 0% (Mar 2026). Working capital days: 0.

Valuation

PE 26.9x with 9.96% ROCE. Price is 166% above book value of ₹490. Dividend yield: 0%.

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