ScoreWhy is CreditAccess Grameen Ltd ?
1
Strong Long Term Fundamental Strength with a 22.00% CAGR growth in Net Sales
2
Flat results in Sep 25
- PAT(9M) At Rs 233.21 cr has Grown at -76.22%
- DPR(Y) Lowest at 0.00%
3
With ROE of 1.9, it has a Very Expensive valuation with a 3 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 48.76%, its profits have fallen by -90%
4
High Institutional Holdings at 25.61%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 0.72% over the previous quarter.
5
Market Beating Performance
- The stock has generated a return of 48.76% in the last 1 year, much higher than market (BSE500) returns of 2.37%
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to CreditAcc. Gram. should be less than 10%
- Overall Portfolio exposure to Finance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is CreditAcc. Gram. for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
CreditAcc. Gram.
29.93%
1.01
48.38%
Sensex
8.49%
0.44
11.83%
Management Risk
Growth
Capital StructureValuationValuation Key Factors 
Factor
Value
P/E Ratio
41
Industry P/E
22
Price to Book Value
2.80
EV to EBIT
15.47
EV to EBITDA
15.10
EV to Capital Employed
1.49
EV to Sales
6.68
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
7.91%
ROE (Latest)
1.87%
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend21What is working for the Company
PBDIT(Q)
Highest at Rs 812.74 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 54.53%
PBT LESS OI(Q)
Highest at Rs 337.02 cr.
PAT(Q)
Highest at Rs 252.09 cr.
EPS(Q)
Highest at Rs 15.75
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Loading Valuation Snapshot...
Here's what is working for CreditAcc. Gram.
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 337.02 cr has Grown at 700.6% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs 42.10 CrMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 252.09 cr has Grown at 654.3% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 33.42 CrMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 812.74 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 54.53% and Grown
each quarter in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 337.02 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 252.09 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 15.75
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
