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CREDITACCESS GRAMEEN
Intrinsic Value | Fundamental Analysis

Returns | 1W : -3.1% , 1M : -19%,1Y : 56.3%
BOM : 541770     NSE : CREDITACC    
LT :  
    Long Term Analysis
Fundamentals : Average
Valuation : Average [Stock is fairly valued]
Debt : High
Updated:
ST :  
    Short Term Analysis
Quarterly Earnings Trend : Downward
Price Momentum : Downward
Pledged Shares : None or < 25%
Apr 22,2021
Price(EOD): Rs. 560.70
This is the End-of-Day (EOD) Stock Price updated daily by 7 pm IST.
MarketCap: Rs. 8,724.49 Cr
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Check out Industry Peers

Peers & Returns1W1M1Y
CREDITACCESS GRAMEEN -3.1% -19% 56.3%
BAJAJ FINANCE -2.5% -14% 94%
SBI CARDS AND PAYMENT SERVICES 7.5% -1.2% 77.7%
MUTHOOT FINANCE -2.7% -10.6% 61.8%
BAJAJ HOLDINGS & INVESTMENT 1.3% -2.3% 57.9%
CHOLAMANDALAM INVESTMENT & FINANCE COMPANY 1.3% 1.9% 197%
ADITYA BIRLA CAPITAL 1% -6.8% 109.5%
SHRIRAM TRANSPORT FINANCE COMPANY -2.7% 1.7% 71.7%
MAHINDRA & MAHINDRA FINANCIAL SERVICES -3.3% -16.3% 50.9%

FUNDAMENTAL ANALYSIS OF CREDITACCESS GRAMEEN

 
Fundamentals Score
[Last Annual Data : Mar2020 | TTM
Trailing Twelve Months (TTM) is calculated using last 4 quarterly data and is a good substitute to track Annual results.
Learn More
]
Show Me the Stocks with Fundamentals better than CREDITACCESS GRAMEEN Premium


VALUATION OF CREDITACCESS GRAMEEN

 
Valuation Score
RatioValue
P/E
P/B
P/S
24.66
P/E Calculated based on EPS of 22.74
[ Mar2020 - Standalone Results ]

3.03
P/B Calculated based on Book Value of 184.77
[ Mar2020 - Standalone Results ]

4.81
P/S Calculated based on Revenues of 1814.59 Cr
[ TTM - Standalone Results ]

Show Me the Stocks with Valuation better than CREDITACCESS GRAMEEN Premium


FAIR VALUE OF CREDITACCESS GRAMEEN

 
Model Discount(-)/
Premium(+)
EV/EBIDTA
EV/Sales
Price/Sales
53%
4%
13%

SHARE PRICE MOMENTUM OF CREDITACCESS GRAMEEN

DEBT

Year Debt/Equity ratio
Standalone Consolidated
2020
2019
2018
Avg_3yrs
2.94
2.07
2.53
2.51
3.5
2.07
-
1.86
[Last Annual Data : Mar2020]

PLEDGED SHARES

Pledged Shares
0 %
As on : Sep2020

If less than 25%

Good
If between 25% and 50% Neutral
If greater than 50% Bad

QTRLY RESULTS

Standalone 1 Qtr Growth 4 Qtr Growth
Revenue
Op Profit
EBIDT
Net Income
-6.58%
-70.33%
-191.03%
-191.61%
-2.97%
-69.76%
-165.38%
-166.31%
QtrlyTrend
-8
Latest Qtr: Dec2020

CREDITACCESS GRAMEEN related INDICES

BSE Indices1W1M1Y
S&P BSE SMALL CAP 0.5% 2.5% 90.8%
S&P BSE MIDSMALLCAP 0.2% 1.7% 80%
S&P BSE 150 MIDCAP 0.1% 1.4% 78.1%
S&P BSE 400 MIDSMALLCAP 0% 1% 81%
S&P BSE ALLCAP -0.8% -0.3% 59.7%
S&P BSE 500 -0.9% -0.4% 58.8%
S&P BSE 250 LARGEMIDCAP -0.9% -0.4% 57.2%
S&P BSE FINANCE -1.1% -4.5% 50.4%
NSE Indices1W1M1Y
NIFTY MID SMALL400 -0.1% 0.9% 80.8%
NIFTY MIDCAP150 -0.3% 0.9% 76.5%
NIFTY 500 -0.9% -0.4% 58.3%
NIFTY LARGE MIDCAP 250 -0.9% -1.7% 65%

FAQ [Frequently Asked Questions]


Is CREDITACC good for long term investment?

As on 22-Apr-2021, the Fundamentals of CREDITACC are Average and hence you can wait for the results to improve to invest for long term ! See Financial Performance of CREDITACCESS GRAMEEN . Please look at the other parameters such as Valuation, Price Momentum, News & Corporate Governance and/or consult an Investment Advisor before taking an investment decision!

Is CREDITACC UnderValued or OverValued?

As on 22-Apr-2021, CREDITACC is Fairly Valued and investors can wait for the buying opportunity once it becomes under valued!

What is the Intrinsic Value of CREDITACC ?

As on 22-Apr-2021, the Intrinsic Value of CREDITACC is Rs. 495.63 determined based on Median of the 3 historical models.
Fair Value [Median EV / EBIDTA Model] : Rs. 366.70
Fair Value [Median EV / Sales Model] : Rs. 539.58
Fair Value [Median Price / Sales Model] : Rs. 495.63
Median Fair Value of CREDITACC : Rs. 495.63

Is CREDITACC trading at a Premium or Discount?

As on 22-Apr-2021, CREDITACC is trading at a Premium of 13% based on the Median Intrinsic Value!

Is it right time to buy CREDITACC shares?

As on 22-Apr-2021, CREDITACC is Fairly Valued and investors can wait for the buying opportunity once it becomes under valued!

What is the Financial Performance of Industry Peers of CREDITACC?

Check out Financials of Industry Peers using below links:
Financials of BAJAJ FINANCE LTD
Financials of SBI CARDS AND PAYMENT SERVICES LTD
Financials of MUTHOOT FINANCE LTD
Financials of BAJAJ HOLDINGS & INVESTMENT LTD
Financials of CHOLAMANDALAM INVESTMENT & FINANCE COMPANY LTD
Financials of ADITYA BIRLA CAPITAL LTD
Financials of SHRIRAM TRANSPORT FINANCE COMPANY LTD
Financials of MAHINDRA & MAHINDRA FINANCIAL SERVICES LTD
Financials of SUNDARAM FINANCE LTD
Financials of MANAPPURAM FINANCE LTD

What are the Frequent Comparisons with CREDITACC?

CREDITACCESS GRAMEEN LTD vs BAJAJ FINANCE LTD vs SBI CARDS AND PAYMENT SERVICES LTD
CREDITACCESS GRAMEEN LTD vs BAJAJ FINANCE LTD vs MUTHOOT FINANCE LTD
CREDITACCESS GRAMEEN LTD vs BAJAJ FINANCE LTD vs BAJAJ HOLDINGS & INVESTMENT LTD
CREDITACCESS GRAMEEN LTD vs BAJAJ FINANCE LTD vs CHOLAMANDALAM INVESTMENT & FINANCE COMPANY LTD
CREDITACCESS GRAMEEN LTD vs BAJAJ FINANCE LTD vs ADITYA BIRLA CAPITAL LTD
CREDITACCESS GRAMEEN LTD vs BAJAJ FINANCE LTD vs SHRIRAM TRANSPORT FINANCE COMPANY LTD
CREDITACCESS GRAMEEN LTD vs BAJAJ FINANCE LTD vs MAHINDRA & MAHINDRA FINANCIAL SERVICES LTD
CREDITACCESS GRAMEEN LTD vs BAJAJ FINANCE LTD vs SUNDARAM FINANCE LTD
CREDITACCESS GRAMEEN LTD vs BAJAJ FINANCE LTD vs MANAPPURAM FINANCE LTD

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Disclosure

SEBI Research Analyst
The Founder of this website, Mr. Rohit Katiyar is registered with SEBI as a Research Analyst [INH000007377].


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