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

With CREDITACC's revenue expected to be lower than the previous year, investors may become cautious. Declining revenues often negatively impact the bottom line, reducing profitability and raising concerns among investors about the company's ability to maintain strong financial performance moving forward.

Financial Ratios:

currentRatio 0.000000
forwardPE 14.595078
debtToEquity 275.798000
earningsGrowth 0.000000
revenueGrowth -0.787000
grossMargins 0.982910
operatingMargins -0.830730
trailingEps 55.090000
forwardEps 47.090000

CREDITACC's Forward PE ratio is favorable, indicating that the stock price is well-positioned in relation to its earnings. It is not overpriced, leaving room for growth, which makes it a solid option for investors seeking both stability and future appreciation.
CREDITACC's elevated debt-to-equity ratio reflects a high level of debt relative to equity, signaling that the company is heavily leveraged. This reliance on debt could increase financial risk in periods of economic uncertainty.
With both earnings and revenue growth in low territory, CREDITACC is likely to see shrinking profits. This signals a possible downturn in the company's financial health and may raise concerns about its future profitability.
CreditAccess Grameen Limited's forward EPS being lower than trailing EPS indicates reduced profitability in the upcoming year. This points to a potential decline in earnings, which could impact the company's financial strength.

Price projections:

Price projections for CREDITACC
Price projections for CREDITACC

CREDITACC's price projections have been revised downward gradually, indicating that analysts are tempering their expectations. This downward shift suggests a more cautious outlook on the company's growth prospects.

Recommendation changes over time:

Recommendations trend for CREDITACC
Recommendations trend for CREDITACC


With analysts showing a buy bias for CREDITACC, investors may be more inclined to see the stock as an attractive investment. The favorable outlook could spur increased interest, positioning CREDITACC as a safe and profitable place for investors to allocate their funds and seek growth.