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About the company
CreditAccess Grameen Limited is an India-based microfinance company focused on providing micro-loans to women customers predominantly in rural areas. The Company operates in approximately 353 districts in 14 states and one union territory in India through 1,826 branches. The Company operates in a single business segment that is lending to members. Its microfinance group lending products include income generation loan, home improvement loan, family welfare loan and emergency loan. The Company's microfinance individual lending product is Unnati loan. Its retail finance products include grameen vikas loan, grameen two-wheeler loan, gruha vikas loan and grameen swarna loan. The Company's distributor products include grameen suraksha, life insurance and national pension scheme (NPS) - Swavalamban. It has tied up with various insurance service providers, including HDFC Life and Kotak Life to provide insurance coverage to customers and spouse/co-borrowers (applicable for retail finance).
- Revenue in INR (TTM)50.85bn
- Net income in INR14.46bn
- Incorporated1991
- Employees16.76k
- LocationCreditAccess Grameen Ltd#49, 46th Cross, 8th Block, JayanagarBANGALORE 560070IndiaIND
- Phone+91 8 022637300
- Fax+91 8 026643433
- Websitehttps://www.creditaccessgrameen.in/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Aavas Financiers Ltd | 20.01bn | 4.91bn | 127.38bn | 6.03k | 25.98 | 3.38 | 24.34 | 6.36 | 61.95 | 61.95 | 252.67 | 476.79 | 0.1337 | -- | -- | -- | 3.28 | 3.48 | 3.28 | 3.81 | 99.57 | 99.53 | 24.52 | 26.30 | -- | 1.80 | 0.7667 | -- | 25.15 | 23.45 | 14.21 | 22.76 | 18.06 | -- |
| Manappuram Finance Ltd | 81.38bn | 20.41bn | 151.13bn | 31.93k | 7.40 | -- | 6.61 | 1.86 | 24.14 | 24.14 | 96.23 | -- | -- | -- | -- | 2,548,865.00 | -- | 4.87 | -- | 5.10 | 66.62 | 65.28 | 25.18 | 24.70 | -- | -- | -- | 14.83 | 10.70 | 13.98 | 12.61 | 17.18 | 1.37 | 8.45 |
| Aptus Value Housing Finance India Ltd | 13.65bn | 6.12bn | 153.14bn | 2.41k | 25.09 | 4.06 | 24.65 | 11.22 | 12.23 | 12.23 | 27.29 | 75.52 | 0.1687 | -- | -- | -- | 7.56 | 7.33 | 7.57 | 9.94 | -- | -- | 44.82 | 44.48 | -- | 2.99 | 0.5798 | -- | 24.86 | 33.34 | 21.65 | 40.57 | 12.39 | -- |
| IFCI Ltd | 17.74bn | 1.02bn | 158.78bn | 149.00 | 143.52 | 3.34 | 49.47 | 8.95 | 0.4233 | 0.4233 | 7.14 | 18.21 | 0.099 | -- | 6.51 | -- | 1.34 | -3.86 | 1.65 | -4.78 | 62.07 | 45.64 | 13.53 | -38.71 | -- | -- | 0.4114 | -- | 19.48 | -8.86 | 149.88 | -- | 0.041 | -- |
| IIFL Finance Ltd | 94.61bn | 18.03bn | 168.46bn | 33.91k | 8.67 | -- | 7.75 | 1.78 | 45.84 | 45.84 | 240.41 | -- | -- | -- | -- | 2,789,912.00 | -- | 2.42 | -- | 3.21 | 61.22 | 54.95 | 21.15 | 16.58 | -- | -- | -- | 13.14 | 20.54 | 4.40 | 26.30 | 13.55 | 8.27 | -4.36 |
| Capri Global Capital Ltd | 21.70bn | 2.79bn | 183.59bn | 7.60k | 66.27 | 4.79 | 49.99 | 8.46 | 3.36 | 3.36 | 26.05 | 46.51 | 0.161 | -- | 25.69 | -- | 2.07 | 2.65 | 2.09 | 3.02 | 56.43 | 59.42 | 12.88 | 17.41 | -- | -- | 0.7306 | 4.07 | 54.15 | 29.81 | 34.52 | 15.55 | 64.27 | 12.00 |
| PNB Housing Finance Ltd. | 70.57bn | 15.08bn | 207.43bn | 1.69k | 16.57 | 1.67 | 13.30 | 2.94 | 48.20 | 48.20 | 259.57 | 477.52 | 0.1013 | -- | 219.47 | -- | 2.17 | 1.38 | 2.89 | 2.57 | 99.83 | 99.85 | 21.37 | 13.83 | -- | 1.50 | 0.786 | -- | 8.08 | -1.69 | 44.17 | 4.82 | -7.71 | -- |
| Cholamandalam Financial Holdings Ltd | 258.04bn | 17.73bn | 209.81bn | 14.40k | 11.84 | 2.05 | 5.13 | 0.8131 | 94.39 | 94.39 | 1,374.08 | 545.42 | 0.1676 | -- | 48.81 | -- | 2.49 | 2.33 | 2.92 | 4.29 | -- | -- | 14.88 | 14.01 | -- | 2.09 | 0.8583 | 0.9505 | 42.20 | 18.75 | 37.38 | 20.53 | 64.76 | -15.14 |
| Five-Star Business Finance Ltd | 21.83bn | 8.36bn | 210.39bn | 7.35k | 25.34 | 4.05 | 24.45 | 9.64 | 28.39 | 28.39 | 74.14 | 177.68 | 0.2141 | -- | 0.2644 | -- | 8.20 | 7.80 | 8.23 | 8.16 | -- | -- | 38.29 | 37.00 | -- | 3.47 | 0.5486 | -- | 43.53 | 39.79 | 38.51 | 39.78 | 30.79 | -- |
| CreditAccess Grameen Ltd | 50.85bn | 14.46bn | 224.16bn | 16.76k | 15.57 | 3.41 | 14.97 | 4.41 | 90.33 | 90.33 | 317.71 | 412.23 | 0.2006 | -- | -- | -- | 5.70 | 3.63 | 5.77 | 3.68 | 99.92 | -- | 28.43 | 20.15 | -- | 2.40 | 0.7688 | -- | 45.81 | 32.93 | 75.04 | 35.06 | 2.77 | -- |
| One 97 Communications Ltd | 99.78bn | -14.17bn | 226.50bn | 25.96k | -- | 1.70 | -- | 2.27 | -23.46 | -23.46 | 164.81 | 209.54 | 0.5685 | -- | 6.87 | -- | -8.10 | -14.98 | -10.48 | -19.08 | 60.68 | 45.84 | -14.25 | -35.27 | -- | -26.49 | 0.0131 | -- | 24.87 | 25.29 | 20.21 | -- | 35.89 | -- |
| Mahindra and Mahindra Financial Svcs Ltd | 157.97bn | 19.33bn | 332.11bn | 26.33k | 17.21 | 1.67 | 14.97 | 2.10 | 15.63 | 15.63 | 127.72 | 161.48 | 0.1381 | -- | 116.28 | -- | 1.70 | 1.57 | 1.83 | 2.33 | 50.45 | 55.11 | 12.30 | 11.21 | -- | -- | 0.8311 | 29.01 | 24.39 | 8.78 | -6.74 | 1.13 | 18.99 | 20.90 |
Data as of May 24 2024. Currency figures normalised to CreditAccess Grameen Ltd's reporting currency: Indian Rupee INR
15.17%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Canara Robeco Asset Management Co. Ltd.as of 31 Dec 2023 | 4.73m | 2.97% |
| Nippon Life India Asset Management Ltd. (Invt Mgmt)as of 30 Apr 2024 | 4.33m | 2.72% |
| Axis Asset Management Co. Ltd.as of 30 Apr 2024 | 3.57m | 2.24% |
| The Vanguard Group, Inc.as of 09 May 2024 | 2.01m | 1.26% |
| PGIM India Asset Management Pvt Ltd.as of 30 Apr 2024 | 1.81m | 1.14% |
| Norges Bank Investment Managementas of 31 Dec 2023 | 1.73m | 1.08% |
| ICICI Prudential Life Insurance Co. Ltd. (Invt Port)as of 31 Dec 2023 | 1.71m | 1.07% |
| T. Rowe Price International Ltd.as of 31 Dec 2023 | 1.68m | 1.06% |
| UTI Asset Management Co. Ltd. (Investment Management)as of 30 Apr 2024 | 1.34m | 0.84% |
| Invesco Asset Management (India) Pvt Ltd.as of 30 Apr 2024 | 1.28m | 0.81% |
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Data from 31 Dec 2023 - 16 May 2024Source: FactSet Research Systems Inc.
