CreditAccess Grameen Ltd Stock Price Today (NSE: CREDITACC)
Fundamental Score
CreditAccess Grameen Ltd Share Price — Live NSE/BSE Price, Fundamentals & Analysis
CreditAccess Grameen Ltd share price today is ₹1434.90, up +1.95% on NSE/BSE as of 17 June 2026. CreditAccess Grameen Ltd (CREDITACC) is a Large-cap company in the Microfinance Institutions sector with a market capitalisation of ₹21.52K (Cr). The 52-week high for CREDITACC share price is ₹1568.00 and the 52-week low is ₹1099.70. At a P/E ratio of 160.99x, CREDITACC is currently trading above its industry average P/E of 85.57x. The company has a Return on Equity (ROE) of 7.86% and a debt-to-equity ratio of 2.81.
CreditAccess Grameen Ltd Share Price Chart — NSE/BSE Historical Performance
CreditAccess Grameen Ltd share price chart: 3.78% return over the past month. 52-week high ₹1568.00, 52-week low ₹1099.70.
CreditAccess Grameen Ltd — Last 10 Trading Days
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| ₹1318.00 | ₹1332.00 | ₹1307.00 | ₹1315.40 | 1.83L (Cr) | |
| ₹1295.50 | ₹1332.70 | ₹1295.50 | ₹1313.90 | 2.05L (Cr) | |
| ₹1294.70 | ₹1328.70 | ₹1290.70 | ₹1295.50 | 2.14L (Cr) | |
| ₹1290.10 | ₹1308.80 | ₹1270.00 | ₹1288.40 | 6.52L (Cr) | |
| ₹1309.70 | ₹1322.60 | ₹1295.80 | ₹1298.30 | 1.01L (Cr) | |
| ₹1288.00 | ₹1325.00 | ₹1284.70 | ₹1303.80 | 2.99L (Cr) | |
| ₹1284.30 | ₹1299.20 | ₹1271.00 | ₹1274.60 | 78.29K (Cr) | |
| ₹1301.50 | ₹1326.60 | ₹1284.10 | ₹1289.10 | 2.53L (Cr) | |
| ₹1300.00 | ₹1303.40 | ₹1281.00 | ₹1293.90 | 1.46L (Cr) | |
| ₹1290.00 | ₹1318.00 | ₹1289.10 | ₹1310.00 | 1.07L (Cr) |
CreditAccess Grameen Ltd — Last 12 Months Price History
| Month | Open | High | Low | Close | Change |
|---|---|---|---|---|---|
| ₹1295.50 | ₹1332.70 | ₹1295.50 | ₹1315.40 | +1.54% | |
| ₹1310.00 | ₹1568.00 | ₹1270.00 | ₹1295.50 | -1.11% | |
| ₹1174.00 | ₹1330.80 | ₹1158.10 | ₹1300.10 | +10.74% | |
| ₹1226.00 | ₹1269.00 | ₹1113.00 | ₹1158.00 | -5.55% | |
| ₹1273.30 | ₹1400.50 | ₹1225.60 | ₹1265.20 | -0.64% | |
| ₹1267.30 | ₹1496.70 | ₹1207.90 | ₹1326.50 | +4.67% | |
| ₹1334.90 | ₹1354.70 | ₹1228.90 | ₹1273.60 | -4.59% | |
| ₹1412.70 | ₹1456.40 | ₹1291.00 | ₹1337.10 | -5.35% | |
| ₹1345.70 | ₹1490.10 | ₹1265.00 | ₹1423.60 | +5.79% | |
| ₹1399.00 | ₹1430.00 | ₹1265.00 | ₹1353.20 | -3.27% | |
| ₹1248.00 | ₹1410.60 | ₹1198.00 | ₹1399.90 | +12.17% | |
| ₹1222.00 | ₹1401.30 | ₹1210.00 | ₹1248.30 | +2.15% |
AI Research Briefing
Powered by Gemini · 2026-04-08
Growth at a high price; execution is everything.
WHAT'S HAPPENING NOW (last 2-4 weeks)
CreditAccess Grameen shares surged 10% on April 7, 2026, following a strong Q4 business update, with disbursements jumping 28% YoY to FY26 disbursements increased 24% YoY to The gross loan portfolio (GLP) stood at in Q4FY26, up 14% from in the year-ago quarter.
CORE STORY (THE REAL GAME)
CreditAccess Grameen is being priced as a high-growth microfinance lender successfully navigating post-pandemic asset quality normalization and expanding its retail finance segment.
- Strong Q4 disbursement growth of 28% YoY
- Asset quality normalization with 99.84% collection efficiency
- Retail finance segment expanding rapidly
- Further improvement in asset quality
- Sustained disbursement growth momentum
- Expansion of retail finance offerings
- High P/E ratio of 160.99x
- High Debt/Equity ratio of 2.81
- Microfinance sector cyclicality and unsecured lending risks
FII holdings increased slightly by 0.16%, and DII holdings increased by 0.57%. Promoter holdings decreased slightly by -0.06%.
Government schemes support small borrowers, but over-lending and borrower over-indebtedness remain concerns.
No; Free Cash Flow 5Y: ₹-10086.24 Cr
Expect continued growth in FY27 driven by asset quality normalization and retail finance expansion. Monitor asset quality and disbursement trends closely.
Primary Thesis Risk
Asset quality deterioration kills the growth story.
For educational purposes only. Not investment advice. Consult a SEBI-registered advisor before investing.
Returns & Performance
Return on Equity (ROE)
Profit generated per ₹1 of shareholder equity
Return on Capital (ROCE)
Returns generated on total capital deployed
Oper. Profit Margin (5Y Avg)
Average operating profit margin over 5 years
Dividend Yield
Annual dividend as % of current share price
CreditAccess Grameen Ltd Valuation Check
Price to Earnings (P/E)
Share price ÷ earnings per share. Lower = cheaper
Industry Avg P/E
Average P/E of all peers in this sector
Market Capitalisation
Total market value of all outstanding shares
Growth Engine
Profit Growth (Quarterly YoY)
Net profit growth vs same quarter last year
Revenue Growth (Quarterly YoY)
Revenue growth vs same quarter last year
Revenue Growth (5-Year CAGR)
Compounded annual revenue growth over 5 years
EPS Growth (5-Year CAGR)
Earnings per share growth over 5 years
Net Profit Growth (5-Year CAGR)
Compounded annual net profit growth over 5 years
Balance Sheet Health
Debt to Equity Ratio
Total debt ÷ equity. Below 0.5 = financially healthy
Interest Coverage Ratio
EBIT ÷ interest expense. Above 2.5 = can pay interest comfortably
Free Cash Flow (5-Year Total)
Cash left after capex over 5 years. Positive = self-funded growth
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
CreditAccess Grameen Ltd Fundamental Analysis & Valuation Benchmarking
Educational evaluation of CREDITACC across key market metrics for learning purposes.
Positive Indicators
5 factors identified
Strong Operating Margins (58.35%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Consistent Growth Track Record (27.86% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model.
Balanced Promoter Holding (66.37%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment.
Strong Institutional Confidence (FII+DII: 25.62%)
Observation: Significant professional investor participation.
Analysis: High institutional holding often signals thorough due diligence.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
8 factors identified
Below-Average Return on Equity (7.86%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Suboptimal ROCE (9.55%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
Premium Valuation Risk (P/E: 160.99x)
Observation: High valuation multiples may limit upside potential.
Analysis: Elevated P/E ratios require strong growth execution to justify current valuations.
Profit Decline Concern (-32.38%)
Observation: Significant year-over-year profit contraction observed.
Analysis: Declining profitability requires investigation into underlying causes.
Elevated Debt Levels (D/E: 2.81)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.
Weak Interest Coverage (1.09x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Negative Free Cash Flow (₹-10086.24 Cr over 5Y)
Observation: Cash outflows exceed inflows.
Analysis: Negative FCF requires analysis of capital expenditure cycle.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints.
CreditAccess Grameen Ltd vs Microfinance Institutions Peers
Peer Comparison - Microfinance Institutions
Compare CreditAccess Grameen Ltd with 4 other companies in the same sector
| Company Info | Fundamental | Valuation | Profitability | Financial Health | Growth | Dividend | ||||
|---|---|---|---|---|---|---|---|---|---|---|
Company Company name | Score Bull Run comprehensive fundamental score based on 20+ metrics | Price Current trading price of the stock | Market Cap Total value of all shares in the market | P/E Price per share divided by earnings per share | ROE Net income divided by shareholder equity | ROCE Earnings before interest and tax divided by capital employed | Debt/Eq Total debt divided by total equity | Profit 5Y Average annual profit growth over 5 years | Sales 5Y Average annual sales growth over 5 years | Dividend Annual dividend per share divided by price per share |
CreditAccess Grameen LtdCreditAccess Gr...Selected✓ CREDITACC • 541770 | 33.9/100 | ₹1434.90₹1435 | ₹21523.26₹21523.26 | 160.99Average 161.0 Average | 7.86%Poor 7.86% Poor | 9.55%Poor 9.55% Poor | 2.81Poor 2.8 Poor | 10.16%Good 10.16% Good | 27.86%Excellent 27.86% Excellent | 0.00% |
Muthoot Microfin LtdMuthoot Microfi... MUTHOOTMF • 544055 | 18.5/100 | ₹181.04₹181 | ₹3199.83₹3199.83 | — — | -8.19%Poor -8.19% Poor | 5.80%Poor 5.80% Poor | 3.20Poor 3.2 Poor | — — | 24.39%Excellent 24.39% Excellent | 0.00% |
Spandana Sphoorty Financial LtdSpandana Sphoor... SPANDANA • 542759 | 10.6/100 | ₹257.09₹257 | ₹2092.59₹2092.59 | — — | -30.97%Poor -30.97% Poor | -3.87%Poor -3.87% Poor | 1.35Average 1.4 Average | — — | 9.12%Good 9.12% Good | 0.00% |
Fusion Finance LtdFusion Finance ... FUSION • 543652 | 27/100 | ₹186.40₹186 | ₹1703.06₹1703.06 | — — | -54.53%Poor -54.53% Poor | -2.96%Poor -2.96% Poor | 2.57Poor 2.6 Poor | — — | 26.35%Excellent 26.35% Excellent | 0.00% |
Satin Creditcare Network LtdSatin Creditcar... SATIN • 539404 | 35.8/100 | ₹222.31₹222 | ₹1693.61₹1693.61 | 10.15Average 10.2 Average | 7.86%Poor 7.86% Poor | 11.53%Average 11.53% Average | 2.92Poor 2.9 Poor | 6.75%Good 6.75% Good | 11.14%Good 11.14% Good | 0.00% |
Top Microfinance Institutions Stocks
View all →By Bull Run Score
By Return on Equity
By Market Cap
- Muthoot Microfin Ltd share price3199.83 Cr
- Spandana Sphoorty Financial Ltd share price2092.59 Cr
- Fusion Finance Ltd share price1703.06 Cr
- Satin Creditcare Network Ltd share price1693.61 Cr
CreditAccess Grameen Ltd PE Ratio History
Historical price-to-earnings ratio for CREDITACC — last 5 years
| Year | EPS (₹) | Price (₹) | P/E Ratio |
|---|---|---|---|
| FY 2025 | ₹33.24 | ₹1273.60 | 38.3x |
| FY 2024 | ₹90.41 | ₹886.55 | 9.8x |
| FY 2023 | ₹51.82 | ₹1596.55 | 30.8x |
| FY 2022 | ₹22.20 | ₹915.30 | 41.2x |
P/E = year-end price ÷ diluted EPS from annual filings. Source: NSE/BSE via Bull Run.
CreditAccess Grameen Ltd Dividend History
Annual cash dividends paid by CREDITACC — dividend yield N/A
| Financial Year | Dividends Paid (₹ Cr) |
|---|---|
| FY 2025 | ₹159.44 Cr |
Cash dividends from annual cash flow statements. Past dividends do not guarantee future payments. Not investment advice.
CreditAccess Grameen Ltd Quarterly Performance
Latest quarterly metrics for CREDITACC — revenue growth and profit growth vs same quarter last year
Revenue Growth (YoY)
3.79%
Latest quarter vs same quarter previous year
Net Profit Growth (YoY)
-32.38%
Latest quarter net profit vs same quarter previous year
5-Year Revenue CAGR
27.86%
Compounded annual revenue growth over 5 years
5-Year Profit CAGR
10.16%
Compounded annual net profit growth over 5 years
CreditAccess Grameen Ltd Technical Indicators
SMA 50, SMA 200, RSI and volume signals for CREDITACC — calculated from daily price history
Selling pressure is heavy — potential reversal zone.
Technical indicators are for educational purposes only. Not investment advice.
CreditAccess Grameen Ltd Financial Statements
Annual income statement, balance sheet and cash flow for CreditAccess Grameen Ltd (CREDITACC) — sourced from NSE/BSE filings.
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Fetching financial data for CreditAccess Grameen Ltd
About CREDITACC (CreditAccess Grameen Ltd)
CreditAccess Grameen Ltd is a prominent player in the Indian microfinance sector, dedicated to empowering women entrepreneurs and low-income families. Operating as a non-banking fi...nancial company (NBFC), CreditAccess Grameen focuses on providing a comprehensive suite of financial products and services tailored to the unique needs of its clientele. The organization strives to foster financial inclusion and sustainable livelihoods by extending access to credit and other vital resources that would otherwise be out of reach for marginalized communities. Through its widespread network and commitment to responsible lending practices, CreditAccess Grameen aims to be a catalyst for positive socio-economic change in the lives of its borrowers. The core of CreditAccess Grameen's offering lies in its diverse range of microcredit solutions. These loans are meticulously designed to support various aspects of a borrower's life, including income-generating activities to fuel business growth, home improvements to enhance living standards, and emergency funds to navigate unforeseen challenges. Beyond microcredit, CreditAccess Grameen extends its support with Grameen Unnati loans designed to expand existing businesses, while also prioritizing the well-being of its clients through Grameen Suraksha, Grameen Sanchay, life insurance policies, and access to the National Pension Scheme. This holistic approach ensures that borrowers have the tools and safety nets necessary to build a secure and prosperous future. Further demonstrating its commitment to holistic financial solutions, CreditAccess Grameen offers an array of retail finance loans. Grameen Vikas loans focus on supporting agricultural activities and rural development, while Unnati loans target business expansion and diversification. Recognizing the importance of mobility and housing, the company also provides Grameen two-wheeler loans and Grameen housing loans. By addressing diverse needs and aspirations, CreditAccess Grameen actively contributes to building a stronger, more resilient, and financially inclusive society, creating opportunities for individuals to thrive and achieve their full potential.
Company Details
Key Leadership
Corporate Events
CREDITACC Share Price: Frequently Asked Questions
What is the current share price of CreditAccess Grameen Ltd?
CreditAccess Grameen Ltd (CREDITACC) trades at ₹1434.90 on NSE and BSE. Market cap ₹21.52K (Cr). Educational data only.
What is the P/E ratio of CreditAccess Grameen Ltd?
CreditAccess Grameen Ltd has a P/E of 160.99x vs industry average 85.57x.
What is the Bull Run score for CreditAccess Grameen Ltd?
CreditAccess Grameen Ltd has a Bull Run score of 33.9/100 based on 25+ financial parameters.
Does CreditAccess Grameen Ltd pay dividends?
CreditAccess Grameen Ltd has a dividend yield of 0.00%. Past dividends don't guarantee future payments.
What is the ROE of CreditAccess Grameen Ltd?
CreditAccess Grameen Ltd has ROE of 7.86%. Higher ROE indicates better use of shareholder equity.
What is the debt-to-equity ratio of CreditAccess Grameen Ltd?
CreditAccess Grameen Ltd has debt-to-equity of 2.81.
Is CreditAccess Grameen Ltd a good investment?
Bull Run gives CreditAccess Grameen Ltd a score of 33.9/100. This is not investment advice — consult a SEBI-registered advisor.