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About the company
CreditAccess Grameen Limited is an India-based microfinance company, which focuses on providing micro loans to women in rural areas across India. The Company has a single operating segment, namely lending to members. The Company has Pan India presence in approximately 16 states and one union territory of India, through 1,967 branches across 383 districts. It has a range of products, designed in keeping various life cycle needs of its customers. Its Microfinance- Group lending offers Emergency Loan, Family Welfare Loans, Home Improvement Loan, and Income Generation Loan. Its Retail Finance offers Grameen Vikas Loan, Gruha Vikas Loan, Grameen Two-Wheeler Loan, Grameen Swarna Loan, Grameen Affordable Housing Loan, and Unnati Loan. Its Digital lending includes MAHI, which is a customer application; Pragathi Digital Loan, and Multi-Purpose Digital Loan. Its Distributor products include Life Insurance, national pension scheme (NPS)- Swavalamban, and Grameen Suraksha.
- Revenue in INR (TTM)56.26bn
- Net income in INR13.34bn
- Incorporated1991
- Employees19.40k
- 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) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| India Shelter Finance Corporation Ltd | 9.78bn | 3.14bn | 68.83bn | 3.32k | 22.14 | 2.77 | 21.17 | 7.04 | 28.94 | 28.94 | 90.50 | 231.71 | 0.1722 | -- | -- | 2,942,342.00 | 5.53 | 4.34 | 5.54 | 4.35 | 68.29 | 65.87 | 32.10 | 27.65 | -- | -- | 0.6171 | 0.00 | 41.93 | 37.97 | 59.39 | 52.13 | 8.34 | -- |
| SBFC Finance Ltd | 11.40bn | 3.01bn | 90.94bn | 3.76k | 30.19 | 3.06 | 28.85 | 7.98 | 2.80 | 2.80 | 10.63 | 27.60 | 0.1616 | -- | 58.23 | 3,033,704.00 | 4.26 | -- | 4.28 | -- | -- | -- | 26.37 | -- | -- | 2.29 | 0.5979 | -- | 39.43 | -- | 58.28 | -- | -- | -- |
| Home First Finance Company India Ltd | 12.79bn | 3.42bn | 95.45bn | 1.25k | 28.47 | 4.17 | 26.84 | 7.46 | 37.57 | 37.57 | 140.43 | 256.75 | 0.1322 | -- | -- | 10,241,880.00 | 3.54 | 3.48 | 3.54 | 4.05 | -- | -- | 26.76 | 26.82 | -- | 1.79 | 0.7948 | 0.00 | 42.97 | 33.63 | 33.91 | 46.56 | 3.76 | -- |
| Can Fin Homes Ltd | 37.22bn | 8.20bn | 109.54bn | 903.00 | 13.36 | 2.33 | 13.15 | 2.94 | 61.60 | 61.60 | 279.47 | 353.09 | 0.1005 | -- | 3,891.70 | 41,214,100.00 | 2.21 | 2.04 | 2.25 | 2.50 | 35.60 | 37.15 | 22.04 | 21.82 | -- | -- | 0.8773 | 8.19 | 28.49 | 15.33 | 20.84 | 20.40 | 43.07 | 24.57 |
| Sammaan Capital Ltd | 89.76bn | -18.11bn | 116.47bn | 4.36k | -- | 0.3802 | -- | 1.30 | -26.83 | -26.84 | 158.18 | 420.03 | 0.1251 | -- | 550.35 | 20,597,200.00 | -2.52 | 1.52 | -2.52 | 1.67 | -- | -- | -20.18 | 13.97 | -- | 1.54 | 0.6969 | 28.97 | -2.80 | -13.02 | 7.92 | -21.53 | -8.07 | -43.79 |
| Manappuram Finance Ltd | 96.94bn | 22.60bn | 127.21bn | 22.47k | 5.63 | 1.02 | 5.04 | 1.31 | 26.68 | 26.68 | 114.43 | 148.02 | 0.2004 | -- | 765.70 | 4,314,107.00 | 4.69 | 4.91 | 4.70 | 5.12 | 65.48 | 65.51 | 23.39 | 25.07 | -- | -- | 0.7571 | 13.77 | 32.30 | 15.97 | 46.30 | 18.40 | 1.23 | 10.04 |
| CreditAccess Grameen Ltd | 56.26bn | 13.34bn | 137.38bn | 19.40k | 10.34 | 1.97 | 9.87 | 2.44 | 83.33 | 83.33 | 351.37 | 438.25 | 0.2225 | -- | -- | 2,900,964.00 | 5.28 | 3.63 | 5.34 | 3.68 | 99.99 | -- | 23.71 | 20.11 | -- | 2.42 | 0.7327 | 5.15 | 46.80 | 33.11 | 75.04 | 35.06 | 2.77 | -- |
| Capri Global Capital Ltd | 25.20bn | 3.23bn | 153.95bn | 6.82k | 47.89 | 3.84 | 36.65 | 6.11 | 3.90 | 3.90 | 30.37 | 48.64 | 0.1648 | -- | 30.53 | 3,694,367.00 | 2.11 | 2.65 | 2.13 | 3.15 | 52.94 | 59.98 | 12.83 | 17.41 | -- | -- | 0.7615 | 4.07 | 54.15 | 29.81 | 34.52 | 15.55 | 64.27 | 12.00 |
| IIFL Finance Ltd | 105.28bn | 9.94bn | 173.26bn | 14.83k | 16.61 | 1.43 | 12.30 | 1.65 | 24.57 | 24.57 | 254.21 | 285.30 | 0.1902 | -- | 87.31 | 7,099,474.00 | 2.21 | 2.74 | 2.28 | 3.53 | 61.29 | 58.62 | 11.60 | 17.42 | -- | 11.00 | 0.7459 | 11.32 | 33.28 | 15.71 | 17.55 | 17.29 | 31.46 | -11.21 |
| Aadhar Housing Finance Ltd | 28.39bn | 8.34bn | 181.80bn | 3.93k | 21.65 | 3.10 | 21.22 | 6.40 | 19.54 | 19.54 | 66.59 | 136.61 | 0.1475 | -- | 19.35 | 7,222,895.00 | 4.33 | 3.18 | 4.61 | 3.76 | -- | -- | 29.36 | 24.34 | -- | 2.06 | 0.7133 | 0.00 | 26.60 | 15.37 | 37.61 | 35.79 | 12.21 | -- |
| Five-Star Business Finance Ltd | 25.52bn | 9.72bn | 187.71bn | 9.33k | 19.46 | 3.28 | 18.78 | 7.36 | 32.98 | 32.98 | 86.58 | 195.68 | 0.2268 | -- | 1,128.79 | 2,735,985.00 | 8.64 | 7.80 | 8.68 | 8.38 | -- | -- | 38.10 | 37.00 | -- | 3.31 | 0.5459 | 0.00 | 43.53 | 39.79 | 38.51 | 39.78 | 30.79 | -- |
Data as of Nov 22 2024. Currency figures normalised to CreditAccess Grameen Ltd's reporting currency: Indian Rupee INR
14.37%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Canara Robeco Asset Management Co. Ltd.as of 31 Oct 2024 | 5.40m | 3.39% |
| Nippon Life India Asset Management Ltd. (Invt Mgmt)as of 31 Oct 2024 | 4.45m | 2.79% |
| Axis Asset Management Co. Ltd.as of 30 Sep 2024 | 2.64m | 1.65% |
| The Vanguard Group, Inc.as of 06 Nov 2024 | 1.98m | 1.24% |
| ICICI Prudential Life Insurance Co. Ltd. (Invt Port)as of 30 Sep 2024 | 1.67m | 1.05% |
| Schroder Investment Management Ltd.as of 31 Jul 2024 | 1.55m | 0.97% |
| UTI Asset Management Co. Ltd. (Investment Management)as of 31 Oct 2024 | 1.42m | 0.89% |
| T. Rowe Price International Ltd.as of 30 Sep 2024 | 1.36m | 0.86% |
| Norges Bank Investment Managementas of 30 Jun 2024 | 1.22m | 0.77% |
| HDFC Asset Management Co. Ltd. (Invt Mgmt)as of 31 Oct 2024 | 1.21m | 0.76% |
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Data from 30 Jun 2024 - 14 Nov 2024Source: FactSet Research Systems Inc.
