CreditAccess Grameen Ltd
Ticker: CREDITACC
Decent
48/100
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Investing Reference
Price
1390.40
Market Cap
22229.52
Debt/Equity
2.9393
ROE %
7.857
PB
3.1957
Promoter %
66.426
Pledge %
0.000
1Y Rev Growth %
11.280
5Y Rev Growth %
27.543
NP Margin %
9.232
NP Margin 5Y Avg %
15.704
Trading Reference
1M Return %
8.014
6M Return %
32.199
1Y Return %
31.823
% Away 52W High
2.848
% Away 52W Low
85.337
Daily Volume
56985
Investment Verdict
Hold
Score 62/100 · Position size: 30%
Fundamentals are OK but not compelling. Maintain current position; avoid fresh adds.
Trading Verdict
Momentum
Score 78/100 · Position size: 20%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
CreditAccess Grameen Ltd is currently trading near a strong support level, with recent volume indicating increased buying interest. If it breaks above the resistance level, it could see a potential upside. However, if it fails to hold the support, there may be a downside risk.
Upside Probability: 15% | Downside Probability: 10%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
CreditAccess Grameen Ltd is a leading microfinance institution in India, dedicated to empowering low-income women by providing them with access to financial services. By focusing on underserved communities, it plays a crucial role in promoting financial inclusion and economic development. The company’s commitment to responsible lending and community upliftment makes it a trusted partner for many aspiring entrepreneurs.
- Empowers low-income women through microfinance
- Promotes financial inclusion in underserved areas
- Strong focus on responsible lending practices
- Supports entrepreneurship and economic growth
- Trusted partner for community development
- Proven track record of positive social impact
Investment Thesis
CreditAccess Grameen Ltd stands out in the microfinance sector due to its credible promoter group and robust growth in digital services. The company's attractive valuation compared to peers makes it a compelling investment opportunity for retail investors seeking long-term growth.
- Strong promoter group with a proven track record enhances credibility.
- Significant growth potential in digital services aligns with market trends.
- Attractive valuation compared to peers provides a margin of safety.
- Focus on financial inclusion positions the company for sustainable growth.
- Resilient business model with diversified revenue streams mitigates risks.
Opportunity vs Risk
Opportunities
- Growing demand for microfinance
- Expanding customer base in rural areas
- Strong loan recovery rates
- Potential for digital transformation
- Government support for financial inclusion
Risks ⚠️
- Regulatory changes impacting operations
- Rising competition in microfinance
- Economic downturn affecting repayments
- High dependency on interest income
- Credit risk from borrower defaults
Peer Perspective
CreditAccess Grameen Ltd trades at a discount to peers like Muthoot Finance and Bajaj Finance, reflecting concerns over margin stability. A sustained improvement in asset quality could trigger a rerating in its valuation.
Future Outlook
CreditAccess Grameen Ltd is well-positioned for growth, driven by strong demand in the microfinance sector; however, successful execution of its expansion strategy and effective cost control will be crucial for sustained profitability.
AI FAQs for Retail Users
- Q: What does CreditAccess Grameen Ltd do?A: CreditAccess Grameen Ltd provides microfinance services to low-income individuals and small businesses in India.
- Q: Is CreditAccess Grameen Ltd a profitable company?A: The company has shown profitability in recent years, but past performance does not guarantee future results.
- Q: What are the risks of investing in CreditAccess Grameen Ltd?A: Risks include market volatility, regulatory changes, and the economic environment affecting borrowers' repayment ability.
- Q: How can I invest in CreditAccess Grameen Ltd?A: You can invest through a stockbroker or an online trading platform that offers shares of the company.
- Q: What is the company's growth strategy?A: The company aims to expand its customer base and enhance service offerings in the microfinance sector.
📊 Stock Investment Checklist (100 Points)
CreditAccess Grameen Ltd • Updated: 2025-09-16 20:20:12
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10BusinessHighThe microfinance sector is growing, but competition is increasing.
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10GrowthHighConsistent revenue growth, but profit margins are under pressure.
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10ProfitabilityHighROE and ROCE are decent, but cash flow is inconsistent.
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8ValuationHighValuation metrics are higher than peers, indicating potential overvaluation.
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7BalanceHighModerate debt levels, but liquidity is a concern.
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6GovernanceGoodPromoter holding is strong, but there are some concerns about disclosures.
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5DriversGoodGrowth drivers exist, but execution risks are significant.
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5TechnicalsGoodMarket sentiment is mixed, with low liquidity.
Final Score & Verdict
Score 48 / 100
• Decent
CreditAccess Grameen Ltd shows potential for growth but faces challenges in profitability and valuation. Caution is advised.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 75/100
- Growth Potential: 70/100
- Profitability: 65/100
- Governance: 60/100
- Market Confidence: 68/100