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 is projected to see a decline in revenue compared to last year, which could lead to investor caution. A drop in earnings is often viewed as a negative signal for profitability, making it more difficult for the company to maintain investor confidence in its financial health.

Financial Ratios:

currentRatio 0.00000
forwardPE 14.21554
debtToEquity 295.94700
earningsGrowth -0.84900
revenueGrowth -0.50500
grossMargins 0.96263
operatingMargins 0.19804
trailingEps 12.20000
forwardEps 47.09000

CreditAccess Grameen Limited's Forward PE being in a good range suggests that its stock price is aligned well with earnings. The stock is not considered overpriced, offering room for future growth, which makes it an appealing investment opportunity with the potential for value appreciation.
CREDITACC's high debt-to-equity ratio shows the company is significantly leveraged, relying heavily on debt financing. This raises the potential for increased financial risk, especially if the company's earnings or cash flow are negatively impacted.
CREDITACC's low growth in both earnings and revenue indicates potential profit shrinkage. This downward trend could be a sign of weakening financial health, signaling challenges for the company'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.
CreditAccess Grameen Limited's forward EPS is higher than its trailing EPS, suggesting the company is expected to improve its profitability this financial year. This reflects growing confidence in CreditAccess Grameen Limited's earnings potential, with forecasts indicating better financial performance than in the prior year.

Price projections:

Price projections for CREDITACC
Price projections for CREDITACC

Price projections for CREDITACC have consistently been revised upward, suggesting that analysts are increasingly optimistic about the company's performance. This trend reflects a positive outlook for CREDITACC's future.

Recommendation changes over time:

Recommendations trend for CREDITACC
Recommendations trend for CREDITACC


Analysts are favoring CREDITACC with a buy bias, highlighting the stock's potential as a solid investment. This recommendation might drive more investors to consider CREDITACC as a secure and profitable option for their money, contributing to a broader positive sentiment in the market.