CreditAccess Grameen Limited, a non-banking financial company, provides micro finance services for women from poor and low income households in India.
Moderate growth potential with mediocre balance sheet.
Share Price & News
How has CreditAccess Grameen's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: 541770's share price has been volatile over the past 3 months.
7 Day Return
IN Consumer Finance
1 Year Return
IN Consumer Finance
Return vs Industry: 541770 exceeded the Indian Consumer Finance industry which returned 1.3% over the past year.
Return vs Market: 541770 exceeded the Indian Market which returned 5.1% over the past year.
Price Volatility Vs. Market
How volatile is CreditAccess Grameen's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is CreditAccess Grameen undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: 541770 (₹580.35) is trading above our estimate of fair value (₹54.58)
Significantly Below Fair Value: 541770 is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: 541770 is poor value based on its PE Ratio (27x) compared to the IN Consumer Finance industry average (11.1x).
PE vs Market: 541770 is poor value based on its PE Ratio (27x) compared to the Indian market (14.3x).
Price to Earnings Growth Ratio
PEG Ratio: 541770 is good value based on its PEG Ratio (0.8x)
Price to Book Ratio
PB vs Industry: 541770 is overvalued based on its PB Ratio (3.1x) compared to the IN Consumer Finance industry average (0.6x).
How is CreditAccess Grameen forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: 541770's forecast earnings growth (32.6% per year) is above the savings rate (7.2%).
Earnings vs Market: 541770's earnings (32.6% per year) are forecast to grow faster than the Indian market (23.8% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: Insufficient data to determine if 541770's revenue is forecast to grow faster than the Indian market.
High Growth Revenue: Insufficient data to determine if 541770's revenue is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: 541770's Return on Equity is forecast to be low in 3 years time (18%).
How has CreditAccess Grameen performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 541770 has high quality earnings.
Growing Profit Margin: 541770's current net profit margins (24.6%) are lower than last year (40.4%).
Past Earnings Growth Analysis
Earnings Trend: 541770's earnings have grown significantly by 37.1% per year over the past 5 years.
Accelerating Growth: 541770's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: 541770 had negative earnings growth (-10.4%) over the past year, making it difficult to compare to the Consumer Finance industry average (-3.4%).
Return on Equity
High ROE: 541770's Return on Equity (11.1%) is considered low.
How is CreditAccess Grameen's financial position?
Financial Position Analysis
Short Term Liabilities: 541770's short term assets (₹119.5B) exceed its short term liabilities (₹56.9B).
Long Term Liabilities: 541770's short term assets (₹119.5B) exceed its long term liabilities (₹40.5B).
Debt to Equity History and Analysis
Debt Level: 541770's debt to equity ratio (335.5%) is considered high.
Reducing Debt: 541770's debt to equity ratio has reduced from 340.7% to 335.5% over the past 5 years.
Debt Coverage: 541770's operating cash flow is negative, therefore debt is not well covered.
Interest Coverage: Insufficient data to determine if 541770's interest payments on its debt are well covered by EBIT.
What is CreditAccess Grameen current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate 541770's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate 541770's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if 541770's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if 541770's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of 541770's dividend in 3 years as they are not forecast to pay a notable one for the Indian market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Udaya Hebbar (60 yo)
Mr. Udaya Kumar Hebbar has been the Chief Executive Officer, Managing Director and Whole-Time Director of CreditAccess Grameen Limited (formerly known as Grameen Koota Financial Services Limited)(also know ...
CEO Compensation Analysis
Compensation vs Market: Udaya's total compensation ($USD953.03K) is above average for companies of similar size in the Indian market ($USD373.37K).
Compensation vs Earnings: Udaya's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.
|MD, CEO & Whole-Time Director||5.08yrs||₹71.11m||0.17% |
|Head of Compliance & Legal and Company Secretary||0.58yr||₹1.22m||no data|
|Head of Investor Relations||1.58yrs||no data||no data|
|Head of Human Resources||no data||no data||no data|
|Business Head of Group Lending||no data||no data||no data|
|Head of Centralised Operations||4.42yrs||no data||no data|
|Business Head of Group Lending||no data||no data||0.064% |
|Chief Audit Officer||1.67yrs||no data||0.023% |
|Head of Information Technology||no data||no data||no data|
|Head of Retail Finance||4.17yrs||no data||no data|
|Head of Strategy & Innovation||1.33yrs||no data||no data|
Experienced Management: 541770's management team is not considered experienced ( 1.7 years average tenure), which suggests a new team.
|MD, CEO & Whole-Time Director||5.08yrs||₹71.11m||0.17% |
|Non-Executive Nominee Director||4yrs||₹230.00k||no data|
|Non-Executive Chairman||0.83yr||₹360.00k||0.000010% |
|Non Executive Independent Director||4.92yrs||₹1.39m||0.00069% |
|Non Executive Independent Director||9.58yrs||₹1.54m||no data|
|Non-Executive Nominee Director||3.08yrs||₹240.00k||no data|
|Non Executive Independent Director||2.92yrs||₹690.00k||no data|
|Non-Executive Independent Director||0.83yr||₹820.00k||no data|
Experienced Board: 541770's board of directors are considered experienced (4 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: 541770 insiders have only sold shares in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
CreditAccess Grameen Limited's company bio, employee growth, exchange listings and data sources
- Name: CreditAccess Grameen Limited
- Ticker: 541770
- Exchange: BSE
- Founded: 1991
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: ₹83.679b
- Shares outstanding: 144.08m
- Website: https://www.creditaccessgrameen.com
Number of Employees
- CreditAccess Grameen Limited
- New No. 49, 46th Cross
- 8th Block
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|541770||BSE (Mumbai Stock Exchange)||Yes||Equity Shares||IN||INR||Aug 2018|
|CREDITACC||NSEI (National Stock Exchange of India)||Yes||Equity Shares||IN||INR||Aug 2018|
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 genera ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/08/12 12:42|
|End of Day Share Price||2020/08/11 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.