NSE:CREDITACC

CreditAccess Grameen Limited

Stock

INR

Last Close

1,088.55

02/05 08:51

Market Cap

203.21B

Beta: 0.96

Volume Today

3.54M

Avg: 158.61K

PE Ratio

18.58

PFCF: 2,360.33

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Income Statement Balance Sheet Cash Flow Key Metrics Ratios

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	Dec '14	Dec '15	Sep '16	Dec '16	Sep '17	Jan '18	Mar '18	Jun '18	Sep '18	Dec '18	Jan '19	Mar '19	Jun '19	Sep '19	Dec '19	Jan '20	Mar '20	Jun '20	Sep '20	Dec '20	Mar '21	Jun '21	Sep '21	Dec '21	Mar '22	Jun '22	Sep '22	Dec '22	Mar '23	Jun '23	Sep '23	Dec '23	Mar '24	Jun '24	Sep '24
asset turnover	0.02 -	0.02 -		0.01 -	0.05 -		0.05 -		0.05 -			0.04 -		0.05 -			0.04 -		0.04 -		0.04 -	0.05 9.21%	0.04 6.87%		0.04 -		0.05 -	0.05 2.04%	0.04 3.33%		0.05 -	0.05 2.20%	0.05 0.86%	0.05 8.25%	0.05 0.17%
cash conversion cycle												-6.15 -		-3.66 -			-15.47 -		-6.81 -		-21.13 -		-15.24 -		-11.79 -		-17.37 -		-8.23 -		-9.20 -		-6.63 -
cash per share	50.75 -	34.94 -		44.51 -	36.22 -		-101.70 -		31.13 -			45.12 -		47.18 -			50.94 -		128.83 -		163.41 -	82.20 49.70%	97.29 18.37%		107.81 -		48.55 -	64.19 32.22%	128.55 100.26%		88.55 -	73.42 17.09%	95.17 29.63%	55.70 41.47%	45.99 17.43%
company equity multiplier	4.55 -	6.11 -		5.16 -	5.47 -		3.65 -		2.80 -			3.11 -		3.25 -			4.60 -		4.46 -		4.08 -	4.58 12.28%	3.78 17.42%		4.37 -		3.92 -	4.06 3.74%	4.28 5.38%		4.13 -	4.15 0.37%	4.39 5.87%	3.98 9.29%	3.81 4.38%
days of inventory outstanding
days of payables outstanding												6.15 -		3.66 -			15.47 -		6.81 -		21.13 -		15.24 -		11.79 -		17.37 -		8.23 -		9.20 -		6.63 -
days of sales outstanding
dividend yield
ebit per revenue	0.50 -	0.45 -	0.57 -	0.02 96.02%	0.43 -	0.44 1.82%	-0.10 122.70%	0.40 495.26%	0.37 6.13%	0.48 29.76%	0.48 0%	0.38 20.92%	0.41 6.96%	0.33 18.33%	0.35 5.45%	0.35 0%	0.08 76.79%	0.16 101.38%	0.19 15.29%	-0.20 207.27%	0.13 163.73%	0.05 60.10%	0.13 160.91%	0.56 318.63%	-0.13 123.91%	0.47 447.73%	0.47 0.07%	0.43 8.08%	0.43 0.62%	0.42 3.20%	0.49 16.96%	0.54 9.29%	0.46 13.85%	0.47 1.80%	0.46 1.46%
ebt per ebit	1.01 -	1.05 -	0.94 -	4.41 370.61%	1 -	1 0%	1 0%	1 0%	1 0%	1 0%	1 0%	1 0%	1 0%	1 0%	1 0%	1 0%	1.05 5.03%	1.03 2.24%	1.00 2.28%	1.02 1.37%	0.95 6.23%	0.93 2.65%	0.95 2.66%	0.40 57.89%	-2.47 716.21%	0.55 122.04%	0.63 15.32%	0.78 24.24%	0.94 20.40%	1 6.34%	0.78 22.06%	0.70 10.74%	0.79 13.63%	0.75 4.63%	0.37 50.27%
effective tax rate	0.35 -	0.36 -	0.36 -	0.35 2.30%	0.34 -	0.35 3.79%	0.35 0.55%	0.36 2.86%	0.36 0.38%	0.35 1.34%	0.35 0%	0.35 0.02%	0.35 0.58%	0.21 41.73%	0.26 26.35%	0.26 0%	0.24 7.36%	0.26 6.81%	0.25 1.12%	0.25 1.88%	0.28 13.76%	0.29 2.00%	0.24 16.33%	0.25 2.53%	0.26 6.59%	0.26 1.48%	0.23 11.51%	0.25 9.46%	0.26 3.51%	0.25 2.72%	0.26 0.82%	0.26 0.20%	0.25 2.72%	0.26 2.53%	0.26 2.06%
enterprise value multiple	9.38K -	1.73K -		844.02 -	117.21 -		146.76 -		52.80 -	32.72 38.04%		153.04 -		85.22 -	58.47 31.39%		93.01 -		67.31 -		-317.37 -	53.90 116.98%	51.74 4.00%		-326.21 -		72.03 -	70.17 2.58%	67.77 3.42%	38.58 43.08%	61.05 58.27%	62.12 1.75%	62.96 1.35%	57.21 9.13%	54.73 4.34%
fixed asset turnover	16.17 -	12.54 -		7.12 -	31.56 -		26.00 -		21.26 -			16.44 -		4.51 -			5.48 -		6.33 -		6.94 -	6.30 9.18%	6.59 4.61%		6.12 -		7.80 -	8.78 12.52%	10.05 14.54%		11.93 -	11.83 0.88%	11.92 0.75%	10.62 10.84%	10.13 4.69%
free cash flow per share	-31.91 -	-32.17 -		-13.26 -		-33.99 -	-30.31 10.83%	-30.45 0.46%		-24.35 -	-24.35 0%	-24.23 0.50%	-24.29 0.24%		-39.12 -	-39.12 0%	-39.06 0.16%	-39.07 0.01%	-39.06 0.01%											1.52 -	1.54 1.73%	1.64 6.27%
gross profit margin	1 -	1 -	1 -	1 0%	0.44 -	0.41 5.53%	0.79 92.97%	0.51 35.27%	0.50 2.55%	0.50 0.04%	0.50 0%	0.62 23.99%	0.50 19.75%	0.47 5.05%	0.49 2.84%	0.49 0%	0.56 15.64%	0.45 20.68%	0.41 7.03%	0.37 10.18%	0.58 56.14%	0.41 29.15%	0.44 7.78%	0.49 9.81%	0.53 8.07%	0.45 14.02%	0.48 6.10%	0.49 1.32%	0.50 3.69%	0.51 1.32%	0.52 1.19%	0.53 2.26%	0.66 24.13%	0.65 0.89%	0.65 0.30%
interest coverage																									0.29 -	2.18 648.12%	2.61 20.13%	4.32 65.41%	28.49 559.12%
inventory turnover
long term debt to capitalization	0.61 -	0.71 -		0.63 -	0.66 -		0.51 -		0.64 -			0.49 -		0.69 -			0.60 -		0.77 -		0.56 -	0.78 37.19%	0.73 6.17%		0.60 -		0.74 -	0.75 1.48%	0.62 16.80%		0.75 -	0.75 0.24%	0.77 1.86%	0.74 3.18%	0.73 1.57%
net income per ebt	0.65 -	0.64 -	0.64 -	0.65 1.27%	0.66 -	0.65 1.92%	0.65 0.30%	0.64 1.52%	0.64 0.21%	0.65 0.74%	0.65 0%	0.65 0.01%	0.65 0.31%	0.79 22.77%	0.74 6.82%	0.74 0%	0.71 3.88%	0.72 0.76%	0.74 3.57%	0.73 1.16%	0.76 4.22%	0.79 2.99%	0.81 2.46%	0.77 4.55%	0.72 6.32%	0.73 1.23%	0.75 2.85%	0.73 2.62%	0.76 4.52%	0.75 2.48%	0.74 0.28%	0.74 0.07%	0.75 0.94%	0.74 0.85%	0.74 0.71%
net profit margin	0.32 -	0.30 -	0.34 -	0.06 81.05%	0.29 -	0.29 0.13%	-0.07 122.77%	0.25 489.25%	0.24 5.93%	0.31 30.72%	0.31 0%	0.25 20.91%	0.26 6.62%	0.26 0.27%	0.26 1.74%	0.26 0%	0.06 76.57%	0.12 98.36%	0.14 16.69%	-0.15 207.47%	0.09 162.28%	0.04 59.99%	0.10 174.44%	0.17 68.24%	0.24 38.03%	0.19 22.41%	0.22 18.70%	0.25 11.21%	0.31 26.63%	0.31 0.39%	0.29 9.10%	0.28 2.51%	0.27 1.18%	0.26 3.74%	0.13 51.34%
operating cash flow per share	-31.67 -	-31.91 -		-13.00 -		-33.85 -	-30.19 10.83%	-30.33 0.46%		-24.04 -	-24.04 0%	-23.92 0.50%	-23.98 0.24%		-38.74 -	-38.74 0%	-38.68 0.16%	-38.69 0.01%	-38.68 0.01%											1.52 -	1.54 1.73%	1.64 6.27%
operating cycle
operating profit margin	0.50 -	0.45 -	0.57 -	0.02 96.02%	0.43 -	0.44 1.82%	-0.10 122.70%	0.40 495.26%	0.37 6.13%	0.48 29.76%	0.48 0%	0.38 20.92%	0.41 6.96%	0.33 18.33%	0.35 5.45%	0.35 0%	0.08 76.79%	0.16 101.38%	0.19 15.29%	-0.20 207.27%	0.13 163.73%	0.05 60.10%	0.13 160.91%	0.56 318.63%	-0.13 123.91%	0.47 447.73%	0.47 0.07%	0.43 8.08%	0.43 0.62%	0.42 3.20%	0.49 16.96%	0.54 9.29%	0.46 13.85%	0.47 1.80%	0.46 1.46%
payables turnover												14.63 -		24.56 -			5.82 -		13.21 -		4.26 -		5.90 -		7.63 -		5.18 -		10.94 -		9.78 -		13.58 -
pretax profit margin	0.50 -	0.47 -	0.53 -	0.10 81.28%	0.43 -	0.44 1.82%	-0.10 122.70%	0.40 495.26%	0.37 6.13%	0.48 29.76%	0.48 0%	0.38 20.92%	0.41 6.96%	0.33 18.33%	0.35 5.45%	0.35 0%	0.09 75.62%	0.17 96.87%	0.19 12.67%	-0.21 208.73%	0.12 159.76%	0.05 61.15%	0.13 167.85%	0.23 76.27%	0.33 47.33%	0.26 23.36%	0.30 15.41%	0.34 14.20%	0.41 21.15%	0.42 2.95%	0.38 8.84%	0.37 2.45%	0.37 2.11%	0.36 2.92%	0.17 50.99%
price fair value	6.11 -	6.70 -		4.99 -	5.30 -		4.26 -		1.76 -	2.48 40.74%		3.15 -		3.70 -	4.32 16.94%		1.78 -		3.71 -		2.74 -	4.13 50.58%	2.63 36.34%		3.33 -		3.54 -	3.11 12.11%	2.84 8.47%	3.88 36.46%	3.61 7.04%	4.11 13.98%	3.43 16.71%	3.15 8.14%	2.73 13.18%
receivables turnover
return on assets	0.01 -	0.01 -		0.00 -	0.01 -		-0.00 -		0.01 -			0.01 -		0.01 -			0.00 -		0.01 -		0.00 -	0.00 56.31%	0.00 155.59%		0.01 -		0.01 -	0.01 13.48%	0.01 22.41%		0.01 -	0.01 4.66%	0.01 0.34%	0.01 4.20%	0.01 51.26%
return on capital employed	0.01 -	0.01 -		0.00 -	0.04 -		-0.01 -		0.02 -			0.03 -		0.02 -			0.01 -		0.01 -		0.01 -	0.00 75.10%	0.01 146.81%		-0.01 -		0.02 -	0.02 7.57%	0.08 311.81%		0.03 -	0.03 5.37%	0.02 12.33%	0.03 9.21%	0.03 1.29%
return on equity	0.04 -	0.04 -		0.00 -	0.08 -		-0.01 -		0.03 -	0.05 35.77%		0.03 -		0.04 -	0.04 7.05%		0.01 -		0.03 -		0.02 -	0.01 50.94%	0.02 111.07%		0.04 -		0.04 -	0.05 17.72%	0.06 28.99%	0.07 14.63%	0.06 12.27%	0.06 4.30%	0.06 5.51%	0.06 5.48%	0.03 53.39%
total debt to capitalization	0.61 -	0.71 -		0.63 -	0.81 -		0.72 -		0.64 -			0.67 -		0.69 -			0.78 -		0.77 -		0.75 -	0.78 3.47%	0.73 6.17%		0.77 -		0.74 -	0.75 1.48%	0.83 10.80%		0.75 -	0.75 0.24%	0.77 1.86%	0.74 3.18%	0.73 1.57%

All numbers in INR (except ratios and percentages)