Is CreditAccess Grameen (CREDITACC) overvalued or fairly valued?

MarketChacha shows CreditAccess Grameen's valuation in context — a forward P/E of about 12.0, a price-to-book of about 3.0 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

What is CreditAccess Grameen's revenue?

CreditAccess Grameen reported revenue of ₹4,163 Cr for FY2026, with net profit of ₹778 Cr, per official filings.

What is the share price of CreditAccess Grameen (CREDITACC)?

CreditAccess Grameen last traded at ₹1,488.90 (-0.6% on the day), as of 7/22/2026 — a delayed quote shown for education, not investment advice.

CreditAccess Grameen

CREDITACC · NSE · NBFC · India

₹1,488.90-0.6%

Delayed · as reported by Yahoo Finance · as of Jul 22, 2026, 10:00 AM

Snapshot

TickerCREDITACC

ExchangeNSE

SectorNBFC

IndustryCredit Services

CountryIndia

Employees21,941

HeadquartersBengaluru, India

Market cap₹23,852 Cr

P/B3.0

Volume2.21L

Websitewww.creditaccessgrameen.in

Filings tracked0

About CreditAccess Grameen

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 generation, home improvement, emergency, family welfare, and Grameen Unnati, as well as Grameen Suraksha, Grameen Sanchay, life insurance, and national pension schemes. It also provides retail finance loans, such as Grameen Vikas, Unnati loan, Grameen two-wheeler, Grameen Vishesh loan, and Grameen housing loan. In addition, the company offers digital lending products comprising Grameen Mahi, a customer app, Pragathi digital and multi-purpose digital loans. The company was formerly known as Grameen Koota Financial Services Private Limited and changed its name to CreditAccess Grameen Limited in January 2018. CreditAccess Grameen Limited was incorporated in 1991 and is headquartered in Bengaluru, India. CreditAccess Grameen Limited is a subsidiary of CreditAccess India BV.

Profile as reported by Yahoo Finance.

Who owns it

Promoters66.2%
Institutions18.1%
Public & other15.7%

57 institutional holders

As reported by Yahoo Finance. Promoter pledge is not included here — that comes from exchange shareholding filings.

Forensic scorecard

Margin has compressed by about 18.5 points over the period — profitability is trending down.

Net margin trend37.2% → 18.7%

Margin has compressed by about 18.5 points over the period — profitability is trending down.

Growth qualityrev 23% · PAT -2%

Profit growth is broadly tracking revenue growth — the earnings trend looks operational rather than one-off.

Computed by MarketChacha from reported figures (Yahoo Finance). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev ₹1,208 Cr

Next fiscal year

Rev ₹5,748 Cr · EPS 123.69

Est. earnings growth +27.5%

Analyst consensus estimates — not the company's own guidance. As reported by Yahoo Finance.

₹1,113.0052-wk range₹1,608.10

Delayed · as reported by Yahoo Finance

New to these terms?

P/E ROE ROCE Margins Market cap

Browse the Learn hub →

Financials at a glance

Source: Yahoo Finance

Annual

Quarterly · last 4

Market cap

₹23,852 Cr

Day change

-0.6%

Fwd P/E

12.0

P/B

3.0

Beta

0.18

Revenue (FY2026)

₹4,163 Cr

Net margin

18.7%

Revenue CAGR (3y)

+23.3%

Profit CAGR (3y)

-2.0%

Net profit (FY2026)

₹778 Cr

Market figures: Delayed · as reported by Yahoo Finance. Financials as reported in company filings.

Ask MarketChacha about CREDITACC

Get a cited, plain-English answer — the “why”, not just data. Finance research only, never buy/sell advice.

Financials

Yearly

Period	Revenue	Net profit	Net margin
FY2026	₹4,163 Cr	₹778 Cr	18.7%
FY2025	₹3,809 Cr	₹531 Cr	14.0%
FY2024	₹3,440 Cr	₹1,446 Cr	42.0%
FY2023	₹2,223 Cr	₹826 Cr	37.2%

Quarterly

Period	Revenue	Net profit	Net margin
2026Q1	₹1,121 Cr	₹340 Cr	30.3%
2025Q4	₹1,032 Cr	₹252 Cr	24.4%
2025Q3	₹1,030 Cr	₹126 Cr	12.2%
2025Q2	₹981 Cr	₹60 Cr	6.1%

Figures as reported, in ₹ (crore). Source: Yahoo Finance.

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed · as reported by yahoo finance) are delayed and shown for reference only. Verify with the linked sources before acting.