CreditAccess Grameen Ltd Stock Price Today (NSE: CREDITACC)
Fundamental Score
CreditAccess Grameen Ltd Share Price Live NSE/BSE & Institutional Fundamental Analysis
CreditAccess Grameen Ltd share price today is ₹1257.70, up +0.00% on NSE/BSE as of 17 February 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 ₹N/A and the 52-week low is ₹N/A. 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
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
CreditAccess Grameen Ltd Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
CreditAccess Grameen Share Price: A Financial Analysis
Microfinance institutions (MFIs) are uniquely positioned to drive financial inclusion, but their susceptibility to localized economic shocks necessitates careful financial analysis. This analysis examines the financial stability of CreditAccess Grameen Ltd., focusing on its current market valuation and profitability metrics. The CreditAccess Grameen share price currently stands at ₹1289.900024. One key indicator to consider is the Price-to-Earnings (PE) ratio, a measure investors use to understand if the share price of a company is over or under valued.
At a PE of 160.99, CreditAccess Grameen's share price valuation is quite high, suggesting that investors have high expectations for future earnings growth. It is imperative to compare this to sector peers. The management quality of
Muthoot Microfin Ltd, for example, is perceived by some analysts to be more seasoned in navigating volatile microfinance lending environments. This difference in perception regarding management experience can impact investor confidence and, consequently, relative valuations in the market.CreditAccess Grameen's Return on Capital Employed (ROCE) of 9.55% reveals how efficiently the company generates profits from its capital. This is a crucial factor when assessing the sustainability of its economic moat, its competitive advantages. A higher ROCE generally indicates a stronger ability to reinvest profits and grow without relying heavily on external funding. This is important because the company's ability to lend more will create more revenues, however the market is extremely sensitive to global headwinds. A higher ROCE can help companies perform better in uncertain times.
This financial analysis forms part of a comprehensive 80-parameter fundamental audit of CreditAccess Grameen Ltd., verified by Sweta Mishra, to assess its long-term financial health and stability. It is crucial to note that this analysis is purely observational and does not constitute any investment advice or recommendations.
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 Financial Statements
Comprehensive financial data for CreditAccess Grameen Ltd including income statement, balance sheet and cash flow
About CREDITACC (CreditAccess Grameen Ltd)
CreditAccess Grameen Ltd (CREDITACC) is listed on the National Stock Exchange (NSE) and Bombay Stock Exchange (BSE) of India. The company operates in the Microfinance Institutions sector with a current market capitalisation of ₹21.52K (Cr). CreditAccess Grameen Ltd has delivered a Return on Equity (ROE) of 7.86% and a ROCE of 9.55%. The debt-to-equity ratio stands at 2.81, reflecting the company's capital structure. Investors tracking CREDITACC share price can monitor key metrics including P/E ratio, promoter holding of 66.37%, and quarterly earnings growth.
Company Details
Key Leadership
Corporate Events
CREDITACC Share Price: Frequently Asked Questions
What is the current share price of CreditAccess Grameen Ltd (CREDITACC)?
As of 17 Feb 2026, 10:09 am IST, CreditAccess Grameen Ltd share price is ₹1257.70. The CREDITACC stock has a market capitalisation of ₹21.52K (Cr) on NSE/BSE.
Is CREDITACC share price Overvalued or Undervalued?
CREDITACC share price is currently trading at a P/E ratio of 160.99x, compared to the industry average of 85.57x. Based on this relative valuation, the CreditAccess Grameen Ltd stock appears to be Overvalued against its sector peers.
What is the 52-week high and low of CREDITACC share price?
The 52-week high of CREDITACC share price is ₹N/A and the 52-week low is ₹N/A.
What factors affect the CreditAccess Grameen Ltd share price?
Key factors influencing CREDITACC share price include quarterly earnings growth (Sales Growth: 3.79%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is CreditAccess Grameen Ltd a good stock for long-term investment?
CreditAccess Grameen Ltd shows a 5-year Profit Growth of 10.16% and an ROE of 7.86%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 2.81 before investing in CREDITACC shares.
How does CreditAccess Grameen Ltd compare with its industry peers?
CreditAccess Grameen Ltd competes with major peers in the Microfinance Institutions. Investors should compare CREDITACC share price P/E of 160.99x and ROE of 7.86% against the industry averages to determine competitive standing.
What is the P/E ratio of CREDITACC and what does it mean?
CREDITACC share price has a P/E ratio of 160.99x compared to the industry average of 85.57x. Investors pay ₹161 for every ₹1 of annual earnings.
How is CREDITACC performing according to Bull Run's analysis?
CREDITACC has a Bull Run fundamental score of 33.9/100, indicating concerns requiring careful analysis. This comprehensive rating is based on 15+ financial parameters.
What sector and industry does CREDITACC belong to?
CREDITACC operates in the Microfinance Institutions industry. This classification helps understand the competitive landscape and sector-specific trends affecting CreditAccess Grameen Ltd share price.
What is Return on Equity (ROE) and why is it important for CREDITACC?
CREDITACC has an ROE of 7.86%, which suggests challenges in generating returns from shareholders equity. ROE measures how efficiently CreditAccess Grameen Ltd generates profits from shareholders capital.
How is CREDITACC debt-to-equity ratio and what does it indicate?
CREDITACC has a debt-to-equity ratio of 2.81, which indicates high leverage that increases financial risk.
What is CREDITACC dividend yield and is it a good dividend stock?
CREDITACC offers a dividend yield of 0.00%, meaning you receive ₹0.00 annual dividend for every ₹100 invested in CreditAccess Grameen Ltd shares.
How has CREDITACC share price grown over the past 5 years?
CREDITACC has achieved 5-year growth rates of: Sales Growth 27.86%, Profit Growth 10.16%, and EPS Growth 7.90%.
What is the promoter holding in CREDITACC and why does it matter?
Promoters hold 66.37% of CREDITACC shares, with 0.00% pledged. High promoter holding often indicates strong management confidence in CreditAccess Grameen Ltd.
What is CREDITACC market capitalisation category?
CREDITACC has a market capitalisation of ₹21523 crores, placing it in the Large-cap category.
How volatile is CREDITACC stock?
CREDITACC has a beta of N/A. A beta > 1 suggests the CreditAccess Grameen Ltd stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is CREDITACC operating profit margin trend?
CREDITACC has a 5-year average Operating Profit Margin (OPM) of 58.35%, indicating the company's operational efficiency.
How is CREDITACC quarterly performance?
Recent quarterly performance shows CreditAccess Grameen Ltd YoY Sales Growth of 3.79% and YoY Profit Growth of -32.38%.
What is the institutional holding pattern in CREDITACC?
CREDITACC has FII holding of 12.29% and DII holding of 13.33%. Significant institutional holding often suggests professional confidence in the CreditAccess Grameen Ltd stock.