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CreditAccess Grameen Ltd

Ticker: CREDITACC
Decent 48/100

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Metrics AI Probability Business Overview Investment Thesis Opportunity/Risk Peer Perspective Future Outlook FAQs Investment Checklist Confidence Score
Breakout

Investing Reference

Price
1423.60
Market Cap
22765.40
Debt/Equity
2.9393
ROE %
7.857
PB
3.2728
Promoter %
66.368
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 %
9.451
6M Return %
22.418
1Y Return %
44.977
% Away 52W High
4.671
% Away 52W Low
89.763
Daily Volume
536676
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 79/100 · 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.

Summary

CreditAccess Grameen Ltd shows strong growth potential in the microfinance sector, driven by increasing demand for financial inclusion.
✅ Positives
  • Strong loan growth and portfolio expansion
  • Robust asset quality with low NPA levels
  • Experienced management team with industry expertise
⚠️ Negatives
  • Regulatory risks in the microfinance sector
  • High competition from other lenders
  • Dependence on rural economies for growth
Verdict
Positive outlook with cautious monitoring required.
Recommendation: Consider buying on dips for long-term gains.
Upside Probability: 25%   |   Downside Probability: 15%
Last generated: 31/10/2025

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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
  • 10
    Business
    High
    The microfinance sector is growing, but competition is increasing.
  • 10
    Growth
    High
    Consistent revenue growth, but profit margins are under pressure.
  • 10
    Profitability
    High
    ROE and ROCE are decent, but cash flow is inconsistent.
  • 8
    Valuation
    High
    Valuation metrics are higher than peers, indicating potential overvaluation.
  • 7
    Balance
    High
    Moderate debt levels, but liquidity is a concern.
  • 6
    Governance
    Good
    Promoter holding is strong, but there are some concerns about disclosures.
  • 5
    Drivers
    Good
    Growth drivers exist, but execution risks are significant.
  • 5
    Technicals
    Good
    Market 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


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