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On 6 Nov 2026, CreditAccess Grameen was priced at ₹1,083.10, or 11.0× trailing earnings, and the shares are 34% below their 52-week high. It earns ROE of 20%, and net profit fell 2.0% a year over 3 years. For banks and lenders, ROCE and debt-to-equity are not used; it trades at 1.95× book value. It is a small-cap company with a market cap of ₹17,360 Cr, ranked 22nd of 193 Credit Services companies by market cap; the shares fell 20% over the past year.

As of 6 Nov 2026Prices are delayed about 15 minutes; fundamentals are from the quarter ended Sep 2026.How we calculate this

past year
Open
₹1,107.20
Day high
₹1,112.80
Day low
₹1,077.60
Prev. close
₹1,100.80
Volume
4.1 L

Health check

2 good · 1 fair · 3 to check
  • ReturnsBehind

    −20.1% over a year, better than 1 of 7 peers.

  • Price tagCheaper

    P/B 1.95 vs peer median 2.62.

  • GrowthShrinking

    Profit −2.0% a year over 3 years.

  • ProfitabilityAverage

    ROE 19.7% vs peer median 18.7%.

  • Balance sheetSolid

    Return on assets 5.11%. Bad-loan data isn’t covered.

  • Red flags2 to check

    34% below its 52-week high.

Compared with 7 industry peers. Computed from reported figures. Educational, not a recommendation.

Credit Services

192 listed peers. Screen the industry

Small cap

₹17,360 Cr, #22 of 193 in its industry by size.

Market sensitivity

Measuring against the NIFTY 50…

Key metrics

Last 12 months to Sep 2026: sales ₹3,590 Cr · profit ₹1,587 Cr
Market cap
₹17,360 Cr
Small cap
P/E
11.0
Industry 15.9
Price to book
1.95
Peers 2.62
Dividend yield
0.00%
ROE
19.7%
Peers 18.7%
ROCE
n/m
Not meaningful for lenders
Debt to equity
n/m
Not meaningful for lenders
EPS (TTM)
₹98.58
Face value ₹10
OPM (TTM)
48.5%
Net margin 44.2%
Sales growth
n/m
Not meaningful for lenders
Profit growth
+297.4%
Latest quarter vs a year ago
Price to sales
4.84

Strengths and risks

Strengths

  • Return on equity of 19.7%.
  • Quarterly profit up 297.4% on a year ago.

Risks to check

  • 34% below its 52-week high.
  • Promoter stake down from 66.4% to 63.8%.

Derived automatically from reported figures. Not a recommendation.

About CreditAccess Grameen

CreditAccess Grameen Limited, a non-banking financial company, provides micro finance services for women from poor and low-income households in India. The company offers microcredit loans for income generation, home improvement, emergency, family welfare, and Grameen Unnati, as well as Grameen Suraksha, Grameen Sanchay, life insurance, and national pension schemes. It also provides retail finance loans, such as Grameen Vikas, Unnati loan, Grameen…

Headquarters
Bengaluru
Employees
21,941
Sector
Financial Services
ISIN
INE741K01010
Website
creditaccessgrameen.in

Price range

52 weeks

₹993.90₹1,634.00

Today

₹1,077.60₹1,112.80
Avg volume (3M)
3.1 L
1-year return
minus 20.1%
From 52-week high
minus 33.7%

Analyst consensus

16 analysts
Strong buyMean target ₹1,578.00 plus 45.7%

Target range, with today’s price

Low ₹1,200.00High ₹1,910.00

Today’s price ₹1,083.10 is below the lowest analyst target.

Consensus from Yahoo Finance. Not a recommendation.

Peers · Credit Services

Bank and NBFC columns

Compare with peersScreen the whole industry
Company
BAJFINANCEBajaj Finance1,087.75plus 1.66%6,77,00531.35.4919.0%3.8%18.2%0.50%plus 1.2%
SHRIRAMFINShriram Finance961.15minus 0.30%2,26,16716.02.0314.8%3.9%18.6%1.79%plus 21.0%
CHOLAFINCholamandalam Investment and Finance Company1,785.00plus 1.42%1,53,10324.54.4120.6%2.6%25.2%0.11%plus 0.8%
TATACAPTata Capital358.05plus 2.93%1,50,97925.43.1014.1%2.2%–0.16%plus 5.6%
MUTHOOTFINMuthoot Finance2,869.00plus 1.06%1,15,1819.42.6231.6%6.3%43.1%1.06%minus 11.0%
PFCPower Finance Corporation328.80minus 0.18%1,08,5074.10.7418.7%2.7%17.7%4.98%minus 16.9%
IRFCIndian Railway Finance Corporation80.43plus 0.37%1,05,11014.31.7312.6%1.4%4.4%2.75%minus 34.4%
CREDITACCCreditAccess Grameen1,083.10minus 1.61%17,36011.01.9519.7%5.1%−2.0%0.00%minus 20.1%
Median of 7 peers–1.06%1,50,97916.02.6218.7%2.7%18.4%1.06%0.8%

Quarterly results

Consolidated, ₹ crore
SalesSelect a row below to chart it
₹ CrJun 25Dec 25Mar 26Jun 26Sep 26
1,4141,4691,5731,7491,837
795794803896918
619674771853919
43.8%45.9%49.0%48.8%50.0%
0.70.91.30.91.1
15.216.415.716.216.7
−523−321−311−178−233
81.1338445660671
25.8%25.4%23.7%25.2%25.2%
60.2252340493502
3.7615.6821.1130.6531.12

Sep 25 not reported by the data source.

Profit & loss

Yearly, ₹ crore
Profit CAGR 3Y
−2.0%
EPS CAGR 3Y
−2.2%
ROE
19.7%
Net profitSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
3,2974,9055,5395,833
–+48.8%+12.9%+5.3%
1,8322,5014,5704,598
1,4652,4049691,236
44.4%49.0%17.5%21.2%
52.182.21,8271,615
159218198139
49.851.262.263.1
−203−278−1,827−1,615
1,1051,9397091,033
25.3%25.4%25.0%24.7%
8261,446531778
–+75.0%minus 63.2%+46.3%
51.8290.4133.2448.44

Forecast

Your assumptions, not a prediction

Balance sheet

At each financial year end, ₹ crore
Total assetsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
159159160160
4,9486,4116,7967,682
16,31221,84120,44623,641
439460401447
21,85828,87127,80231,930
96.8121131131
29.111711271.7
1,9162,7572,2922,418
19,81625,87525,26829,309
21,85828,87127,80231,930

Cash flow

Yearly, ₹ crore
Cash from operationsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
−3,290−4,7341,125−2,770
−314−994708−101
3,3655,494−1,6692,751
−239−234164−120
−17.3−20.3−33.7−17.6
−3,307−4,7541,092−2,788
––−159–

Shareholding pattern

Source: NSE filings
63.8%
promoters
  • Promoters63.83%
  • Public36.17%
  • As of 30 Sep 2026
QuarterSplitPromotersPublicPromoter change
30 Sep 202663.83%36.17%minus 2.38
30 Jun 202666.21%33.79%minus 0.03
31 Mar 202666.24%33.76%minus 0.04
31 Dec 202566.28%33.72%minus 0.09
30 Sep 202566.37%33.63%–

Major shareholders

NSE filing

Filings & events

News

No recent news coverage found.

My notes

Private to you