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CREDITACCESS GRAMEEN
Intrinsic Value | Fundamental Analysis

BOM : 541770     NSE : CREDITACC    
LT :  
    Long Term Analysis
Fundamentals : Average
Valuation : Good [Stock is Cheap]
Debt : High
Updated:
ST :  
    Short Term Analysis
Quarterly Earnings Trend : Downward
Price Momentum : Downward
Pledged Shares : None or < 25%
Dec 06,2024
Price(EOD): ₹ 931.75
This is the End-of-Day (EOD) Stock Price updated daily by 7 pm IST.
Finance - NBFC
MCap: ₹ 14,870.73 Cr
Value of ₹ 1 Lac invested in CREDITACCESS GRAMEEN
on Dec 06,2019 (price: ₹ 807.00)

₹ 1 L

₹ 1.15 L

1W : 6.3% 1M : 0.4% 1Y : -45.1%
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FUNDAMENTAL ANALYSIS OF CREDITACCESS GRAMEEN

 
Fundamentals Score
[ Q(TTM): Sep2024, Y: Mar2024
Q : Last Qtr data
Y : Last Audited Annual/Yearly Data
TTM i.e. Trailing Twelve Months is calculated using last 4 quarterly data and is a good substitute to track last 4 Qtr Annual result before the subsequent year data is published and audited.
Learn More
]


VALUATION OF CREDITACCESS GRAMEEN

 
Valuation Score
[As on : Dec 06,2024 ]

Ratio Consolidated
P/E
P/B
P/S
11.14
P/E Calculated based on Trailing Twelve Months (TTM) Earnings of Rs 1,334.14 Cr
[Latest Qtr - Sep2024 - Consolidated Results ]

2.27
P/B Calculated based on Book Value of Rs 6,538.81 Cr
[Latest Year - Mar2024 - Consolidated Results ]

2.6
P/S Calculated based on Trailing Twelve Months (TTM) Revenues of Rs 5,715.01 Cr
[Latest Qtr - Sep2024 - Consolidated Results ]

Financial Ratios →

Insights 💡 CREDITACC is one of the potential top 8% undervalued companies ! Discover More →

FAIR VALUE OF CREDITACCESS GRAMEEN

 
Model Discount(-)/
Premium(+)
EV/EBIDTA
EV/Sales
Price/Sales
46%
-49%
-44%

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SHARE PRICE MOMENTUM OF CREDITACCESS GRAMEEN



CREDITACCESS GRAMEEN vs SENSEX


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DEBT OF CREDITACCESS GRAMEEN

Year Debt/Equity ratio
Standalone Consolidated
2024
2023
2022
Avg_3yrs
3.34
3.21
3.11
3.22
3.34
3.21
3.11
3.22
[Last Annual Data : Mar2024]
Financial Ratios →

PLEDGED PROMOTER SHARES OF CREDITACCESS GRAMEEN

Pledged Promoter Shares
0 %
As on : Dec2023

If less than 25%

Good
If between 25% and 50% Neutral
If greater than 50% Bad
Shareholding Pattern →

QTRLY RESULTS OF CREDITACCESS GRAMEEN

Consolidated Q-o-Q Y-o-Y
Revenue
Op Profit
Profit Before Tax
Profit After Tax
-3.88%
-28.87%
-52.88%
-53.21%
16.55%
-16.53%
-46.01%
-46.39%
QtrlyTrend
-6
Latest Qtr: Sep2024
Quarterly Result Analysis →


CREDITACCESS GRAMEEN related INDICES

BSE Indices1W1M1Y
S&P BSE MIDSMALLCAP 3.5% 2.3% 39.6%
S&P BSE 400 MIDSMALLCAP 3.4% 3.8% 36.3%
S&P BSE SMALL CAP 3.4% 4.3% 40.6%
S&P BSE 250 SMALLCAP 3.2% 3.2% 36%
S&P BSE FINANCE 3.1% 4.5% 21.2%
NSE Indices1W1M1Y
NIFTY FREE SMALL 100 4.5% 5.8% 36.9%
NIFTY MID SMALL400 3.6% 4.2% 35.6%
NIFTY SMALLCAP250 3.5% 4.1% 37.5%
NIFTY500 MULTICAP 50:25:25 3% 3.7% 31.1%
NIFTY 500 2.8% 3.5% 28.7%

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FAQ about CREDITACCESS GRAMEEN


Is CREDITACCESS GRAMEEN good for long term investment?

As on Dec 06,2024, the Fundamentals of CREDITACCESS GRAMEEN look Average and hence you may 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 CREDITACCESS GRAMEEN UnderValued or OverValued?

As on Dec 06,2024, CREDITACCESS GRAMEEN is Under Valued based on the estimates of intrinsic value and hence may be a good buying opportunity according to Share Valuation at this time!

What is the Intrinsic Value of CREDITACCESS GRAMEEN ?

As on Dec 06,2024, the Intrinsic Value of CREDITACCESS GRAMEEN is Rs. 1,651.17 estimated based on Median of the 3 historical models.
Fair Value [Median EV / EBIDTA Model] : Rs. 638.53
Fair Value [Median EV / Sales Model] : Rs. 1,843.69
Fair Value [Median Price / Sales Model] : Rs. 1,651.17
Estimated Median Fair Value of CREDITACCESS GRAMEEN : Rs. 1,651.17

The fair value of any stock is always subjective and should, in no way, be taken as a recommendation to buy/sell the same.

Is CREDITACCESS GRAMEEN trading at a Premium or Discount?

As on Dec 06,2024, CREDITACCESS GRAMEEN is trading at a Discount of -44% based on the estimates of Median Intrinsic Value!