CreditAccess Grameen Limited

NSEI:CREDITACC Stock Report

Market Cap: ₹147.9b

CreditAccess Grameen Valuation

Is CREDITACC undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

3/6

Valuation Score 3/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of CREDITACC when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: CREDITACC (₹929.45) is trading above our estimate of fair value (₹736.72)

Significantly Below Fair Value: CREDITACC is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for CREDITACC?

Key metric: As CREDITACC is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for CREDITACC. This is calculated by dividing CREDITACC's market cap by their current earnings.
What is CREDITACC's PE Ratio?
PE Ratio11.1x
Earnings₹13.34b
Market Cap₹147.86b

Price to Earnings Ratio vs Peers

How does CREDITACC's PE Ratio compare to its peers?

The above table shows the PE ratio for CREDITACC vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average26.6x
531595 Capri Global Capital
49.7x37.5%₹160.6b
SBFC SBFC Finance
31.6x23.1%₹95.1b
FIVESTAR Five-Star Business Finance
19.5x16.1%₹189.9b
531213 Manappuram Finance
5.6x11.8%₹127.1b
CREDITACC CreditAccess Grameen
11.1x16.9%₹147.9b

Price-To-Earnings vs Peers: CREDITACC is good value based on its Price-To-Earnings Ratio (11.1x) compared to the peer average (26.6x).

Price to Earnings Ratio vs Industry

How does CREDITACC's PE Ratio compare vs other companies in the IN Consumer Finance Industry?

1 CompanyPrice / EarningsEstimated GrowthMarket Cap
523384 Maha Rashtra Apex
0.7xn/aUS$28.23m
No more companies available in this PE range
CREDITACC 11.1xIndustry Avg. 22.9xNo. of Companies12PE01632486480+
1 CompanyEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: CREDITACC is good value based on its Price-To-Earnings Ratio (11.1x) compared to the Indian Consumer Finance industry average (22.9x).

Price to Earnings Ratio vs Fair Ratio

What is CREDITACC's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

CREDITACC PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio11.1x
Fair PE Ratio20x

Price-To-Earnings vs Fair Ratio: CREDITACC is good value based on its Price-To-Earnings Ratio (11.1x) compared to the estimated Fair Price-To-Earnings Ratio (20x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst CREDITACC forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current₹929.45
₹1,250.29
+34.5%
17.9%₹1,650.00₹850.00n/a14
Nov ’25₹997.45
₹1,250.29
+25.3%
17.9%₹1,650.00₹850.00n/a14
Oct ’25₹1,196.70
₹1,644.24
+37.4%
10.7%₹1,920.00₹1,150.00n/a17
Sep ’25₹1,221.05
₹1,659.71
+35.9%
9.5%₹1,920.00₹1,300.00n/a17
Aug ’25₹1,322.55
₹1,690.88
+27.9%
9.4%₹1,950.00₹1,300.00n/a17
Jul ’25₹1,374.40
₹1,813.59
+32.0%
5.8%₹2,000.00₹1,628.00n/a17
Jun ’25₹1,323.85
₹1,818.53
+37.4%
5.8%₹2,000.00₹1,628.00n/a17
May ’25₹1,508.45
₹1,836.88
+21.8%
7.9%₹2,088.00₹1,560.00n/a17
Apr ’25₹1,408.70
₹1,844.00
+30.9%
8.7%₹2,088.00₹1,550.00n/a16
Mar ’25₹1,484.05
₹1,922.07
+29.5%
5.8%₹2,088.00₹1,670.00n/a14
Feb ’25₹1,593.85
₹1,922.07
+20.6%
5.8%₹2,088.00₹1,670.00n/a14
Jan ’25₹1,594.15
₹1,730.54
+8.6%
7.3%₹1,980.00₹1,550.00n/a13
Dec ’24₹1,698.10
₹1,699.13
+0.06%
8.7%₹1,980.00₹1,375.00n/a15
Nov ’24₹1,620.60
₹1,699.13
+4.8%
8.7%₹1,980.00₹1,375.00₹997.4515
Oct ’24₹1,315.50
₹1,564.20
+18.9%
7.1%₹1,800.00₹1,365.00₹1,196.7015
Sep ’24₹1,409.20
₹1,564.20
+11.0%
7.1%₹1,800.00₹1,365.00₹1,221.0515
Aug ’24₹1,482.45
₹1,540.93
+3.9%
8.0%₹1,800.00₹1,350.00₹1,322.5514
Jul ’24₹1,247.65
₹1,388.58
+11.3%
3.5%₹1,462.00₹1,305.00₹1,374.4012
Jun ’24₹1,250.15
₹1,359.42
+8.7%
5.9%₹1,462.00₹1,130.00₹1,323.8512
May ’24₹964.30
₹1,271.18
+31.8%
4.9%₹1,362.00₹1,130.00₹1,508.4511
Apr ’24₹915.20
₹1,268.91
+38.6%
5.1%₹1,362.00₹1,130.00₹1,408.7011
Mar ’24₹967.05
₹1,268.91
+31.2%
5.1%₹1,362.00₹1,130.00₹1,484.0511
Feb ’24₹900.85
₹1,229.64
+36.5%
9.9%₹1,500.00₹990.00₹1,593.8511
Jan ’24₹915.30
₹1,255.09
+37.1%
7.6%₹1,500.00₹1,100.00₹1,594.1511
Dec ’23₹948.25
₹1,255.09
+32.4%
7.6%₹1,500.00₹1,100.00₹1,698.1011
Nov ’23₹982.40
₹1,255.09
+27.8%
7.6%₹1,500.00₹1,100.00₹1,620.6011

Analyst Forecast: Target price is more than 20% higher than the current share price, but analysts are not within a statistically confident range of agreement.

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