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

Investors may react cautiously to news that CREDITACC's revenues are forecasted to be lower than last year's. Such declines are likely to have a negative effect on the company's bottom line, which can lead to concerns about profitability and hinder investor confidence in the company's future performance.

Financial Ratios:

currentRatio 0.000000
forwardPE 12.519512
debtToEquity 295.947000
earningsGrowth -0.849000
revenueGrowth -0.505000
grossMargins 0.962630
operatingMargins 0.198040
trailingEps 12.180000
forwardEps 47.090000

CreditAccess Grameen Limited's Forward PE ratio is in a good range, reflecting a reasonable balance between stock price and earnings. The stock is not overpriced, leaving room for growth, which suggests potential for investors looking to capitalize on future value appreciation.
CREDITACC's high debt-to-equity ratio indicates a high level of leverage, meaning the company relies significantly on debt for financing. This can increase financial risk, particularly in times of economic instability or reduced profitability.
CreditAccess Grameen Limited's low earnings and revenue growth suggest that the company's profits may shrink. This trend could indicate underlying financial struggles and pose challenges for CreditAccess Grameen Limited's future profitability.
CREDITACC's negative gross and operating margins indicate the company is operating at a loss, unable to generate profit from its core business activities. This suggests financial strain and potential challenges in maintaining profitability.
CREDITACC's forward EPS being higher than its trailing EPS indicates that the company is expected to achieve greater profitability this financial year. This suggests improving earnings and a stronger financial position compared to the previous year's performance.

Price projections:

Price projections for CREDITACC
Price projections for CREDITACC

Price projections for CREDITACC have gradually risen over time, signaling increased optimism about the company's future prospects. This steady upward revision reflects growing confidence in CREDITACC's market potential.

Recommendation changes over time:

Recommendations trend for CREDITACC
Recommendations trend for CREDITACC


Recent analysis shows a strong buy bias for CREDITACC, encouraging investors to view it as a solid investment option. The positive sentiment surrounding CREDITACC suggests it could be an attractive place to allocate funds, motivating potential investors to consider the stock as a valuable part of their portfolio.