CreditAccess Grameen Limited

BSE:541770 Stock Report

Market Cap: ₹131.5b

CreditAccess Grameen Past Earnings Performance

Past criteria checks 2/6

CreditAccess Grameen has been growing earnings at an average annual rate of 43%, while the Consumer Finance industry saw earnings growing at 25.4% annually. Revenues have been growing at an average rate of 32.2% per year. CreditAccess Grameen's return on equity is 19.1%, and it has net margins of 45.5%.

Key information

43.0%

Earnings growth rate

41.0%

EPS growth rate

Consumer Finance Industry Growth18.3%
Revenue growth rate32.2%
Return on equity19.1%
Net Margin45.5%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How CreditAccess Grameen makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

BSE:541770 Revenue, expenses and earnings (INR Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 2429,33513,3417,6270
30 Jun 2431,12214,9517,3570
31 Mar 2429,93914,4597,0420
31 Dec 2327,80113,4546,3920
30 Sep 2325,58712,0796,0960
30 Jun 2322,66510,3605,4770
31 Mar 2319,3698,2615,4510
31 Dec 2217,2816,7925,1640
30 Sep 2215,5475,8695,0200
30 Jun 2213,6914,7854,8420
31 Mar 2211,6943,5314,6100
31 Dec 2110,0572,6604,4040
30 Sep 217,1626894,2250
30 Jun 217,1718454,0270
31 Mar 217,7021,3403,9930
31 Dec 206,9501,0283,6780
30 Sep 209,0552,8813,4030
30 Jun 208,8473,0973,1360
31 Mar 208,9013,3362,7500
31 Dec 199,7583,8112,5410
30 Sep 199,0773,7282,3570
30 Jun 198,5463,4542,1690
31 Mar 197,9623,2181,9870
31 Dec 188,4872,2933,4200
30 Sep 187,3681,9523,2420
30 Jun 186,1152,5431,3970
31 Mar 185,2682,1251,3930
31 Dec 173,9551,4391,2250
30 Sep 173,0327191,4170
30 Jun 173,0027611,2780
31 Mar 172,9717531,1400
31 Dec 163,1629231,0590
30 Sep 163,3521,0999780
30 Jun 162,9639698720
31 Mar 162,5738327650
31 Dec 152,3227586390
30 Sep 152,0706996640
30 Jun 151,8135976030
31 Mar 151,5554874670
31 Dec 141,4194085720
30 Sep 141,1923164640
30 Jun 141,0072514300
31 Mar 148221663560

Quality Earnings: 541770 has high quality earnings.

Growing Profit Margin: 541770's current net profit margins (45.5%) are lower than last year (47.2%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: 541770's earnings have grown significantly by 43% per year over the past 5 years.

Accelerating Growth: 541770's earnings growth over the past year (10.5%) is below its 5-year average (43% per year).

Earnings vs Industry: 541770 earnings growth over the past year (10.5%) did not outperform the Consumer Finance industry 26.1%.

Return on Equity

High ROE: 541770's Return on Equity (19.1%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/26 15:26
End of Day Share Price 2024/12/26 00:00
Earnings2024/09/30
Annual Earnings2024/03/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

CreditAccess Grameen Limited is covered by 28 analysts. 16 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
null nullAnand Rathi Shares and Stock Brokers Limited
Yuvraj ChoudharyAnand Rathi Shares and Stock Brokers Limited
Vijayaraghavan SwaminathanAvendus Spark