Overall Fundamental outlook

Business Operations:

Sector: Financial Services
Industry: Credit Services

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, life insurance, and national pension schemes. It also provides retail finance loans, such as Grameen Vikas, Gruha Vikas, Grameen two-wheeler, and Grameen Swarna. In addition, the company offers digital lending products comprising 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 operates as a subsidiary of CreditAccess India BV.

Revenue projections:

Revenue projections for CREDITACC
Revenue projections for CREDITACC

CREDITACC's revenue projections show a decrease from last year, which tends to make investors more cautious. This could have a negative impact on the company's bottom line, as lower revenues typically suggest reduced profitability and growth potential, prompting concern among investors.

Financial Ratios:

currentRatio 0.000000
forwardPE 15.076856
debtToEquity 280.714000
earningsGrowth 0.000000
revenueGrowth 3.442000
grossMargins 0.971820
operatingMargins 0.490170
trailingEps 30.220000
forwardEps 92.373370

CreditAccess Grameen Limited's Forward PE ratio is favorable, meaning the stock price aligns well with earnings and isn't overvalued. This allows room for growth, making it an attractive investment for those seeking potential upside while ensuring the stock is not overpriced.
CreditAccess Grameen Limited's high debt-to-equity ratio suggests a heavily leveraged capital structure. The company relies on debt to fund operations, which could heighten financial risks, particularly if economic conditions deteriorate or profitability declines.
Positive gross and operating margins for CREDITACC highlight the company's profitability. These metrics reflect CREDITACC's efficiency in controlling costs while generating strong revenue from its core operations, signaling robust financial health.
With a forward EPS greater than its trailing EPS, CREDITACC is expected to see higher profitability this year. The forecasted increase in earnings reflects optimism about the company's financial growth and potential for improved performance over the prior year.

Price projections:

Price projections for CREDITACC
Price projections for CREDITACC

CREDITACC's price projections have steadily risen over time, pointing to increasing optimism about the company's prospects. This upward revision suggests that analysts expect CREDITACC to continue delivering solid performance in the future.

Recommendation changes over time:

Recommendations trend for CREDITACC
Recommendations trend for CREDITACC


CREDITACC has been receiving a buy bias from analysts, indicating confidence in its investment potential. This could drive more investors to view CREDITACC as a reliable choice for their money, offering a promising avenue for future growth and financial gains.