CreditAccess Grameen Ltd.
NSE: CREDITACCCreditAccess Grameen Ltd.: A 30-second snapshot
CreditAccess Grameen trades at ₹1,614, up 26.72% over the past year and 5.93% over the past 3 months, above both its 50-day (₹1,428.69) and 200-day (₹1,330.74) moving averages with an RSI of 65.69. Q1 FY27 PAT was reported at ₹490-493 crore, up roughly 720% YoY and 45% QoQ, alongside a trailing PE of 21.13, forward PE of 12.32, ROE of 16.36%, and a debt-to-equity ratio of approximately 3.0x typical of the NBFC-MFI lending model. Mean analyst rating stands at 1.56 across 15 analysts on a 1-5 scale (lower = more constructive).
P/E
21.1
Forward P/E
12.3
ROE
+16.4%
Debt / Equity
302.87
Profit Margin
+39.8%
Div. Yield
—
5Y ROE > 15%
2/5
5Y FCF > 0
1/5
Quality
61/100
News
8 headlines · 8 positive · 0 negative
CreditAccess Grameen Q1 Profit Rises 45% QoQ to ₹490 Crore - whalesbook.com
whalesbook.com
CREDITACC: Record Q1 growth, 720% PAT surge, and robust asset quality drive strong profitability - TradingView
TradingView
CREDITACC: Q1 FY27 net profit surged to ₹493.39 crore; Board approved NCD fund-raising up to ₹3,000 crore - TradingView
TradingView
CREDITACC: AUM up 16.4% YoY, PAT up 719.7% YoY, with strong asset quality and digital growth - TradingView
TradingView
Business News | CreditAccess Grameen Limited - First Quarter FY26-27 Results - LatestLY
LatestLY
Recent context
- ·Q1 FY27 results (reported around July 24-27, 2026) showed PAT of ₹490-493 crore, up roughly 720% YoY and 45% QoQ, with AUM up 16.4% YoY; the Board approved NCD fund-raising of up to ₹3,000 crore.
- ·All 8 recent headlines cover this single results event; the YoY comparison is measured against a depressed prior-year quarter during the microfinance sector's asset-quality stress period.
- ·News sentiment across the period is entirely positive (8 of 8), concentrated around the earnings release rather than reflecting diverse coverage.
Strengths
- +ROE of 16.36% ranks 1st of 6 among the listed peer set (AXISBANK, BAJAJFINSV, BAJFINANCE, HDFCBANK, HDFCLIFE).
- +Forward PE of 12.32 compresses sharply from the trailing PE of 21.13, reflecting embedded earnings-growth expectations following the Q1 FY27 profit surge.
- +Price trades above both the 50-day and 200-day moving averages, up 26.72% over 1 year and 5.93% over 3 months.
- +Profit margin of 39.81% and mean analyst rating of 1.56 across 15 analysts (1-5 scale, lower = more constructive).
Weaknesses
- −5-year persistence shows FCF positive in only 1 year and ROE above 15% in only 2 years, with a consistency score of 24/100 — a thin historical profitability base, though FCF for a lending business is structurally shaped by loan-book growth rather than directly comparable to a non-financial company.
- −Debt-to-equity of approximately 3.0x is on a rising trend; leverage is structurally elevated as is typical for the NBFC-MFI model.
- −Current price is 37% below its 52-week high despite trading above both moving averages, indicating the recovery has not yet returned to the prior peak.
- −Quality score of 58/100 ranks 3rd of 6 among peers, and the peer set (large private banks, a diversified NBFC, and a life insurer) does not include direct microfinance peers, limiting comparability.
Open questions
- ?Does the roughly 720% YoY PAT growth reflect a durable improvement in asset quality and collections, or primarily a base effect from a depressed prior-year quarter during the sector's stress cycle?
- ?How does the 5-year FCF and ROE persistence record (1 year FCF-positive, 2 years ROE above 15%) reconcile with the sharp earnings recovery reported this quarter?
- ?What does the rising debt-to-equity trend imply for funding cost and credit spreads as the NCD fund-raising of up to ₹3,000 crore is executed?
- ?Why does the current price remain 37% below its 52-week high even while trading above both the 50-day and 200-day moving averages, and what would close that gap?
Peer comparison: Banking
Ranks 3 of 6 on quality| Symbol | Name | P/E | ROE | Quality |
|---|---|---|---|---|
| CREDITACC | CreditAccess Grameen Ltd.You're viewing | 21.1 | +16.4% | 58 |
| Industry avg | across 5 peers | 31.7 | +13.1% | 48 |
| AXISBANK | Axis Bank Ltd. | 13.8 | +13.3% | 70 |
| HDFCBANK | HDFC Bank Ltd. | 16.3 | +13.8% | 66 |
| BAJFINANCE | Bajaj Finance Ltd. | 35.1 | — | 47 |
| HDFCLIFE | HDFC Life Insurance Company Ltd. | 59.9 | +10.8% | 33 |
| BAJAJFINSV | Bajaj Finserv Ltd. | 33.3 | +14.6% | 23 |
Technical state
Current price
₹1,614.00
SMA 50
₹1,428.69
SMA 200
₹1,330.74
RSI (14)
65.7 (neutral)
From 52w high
-0.4%
1Y return
+26.7%
3M return
+5.9%
50-DMA
Above
200-DMA
Above
Algorithmic support levels
Risk flags
- medium5-year persistence data shows ROE above 15% in only 2 of the years, FCF positive in only 1 of the years, and a consistency score of 24/100, alongside a rising debt-to-equity trend (raw metric 302.9 on Yahoo's percentage scale, approx. 3.0x on a standard multiple basis). This leverage level is structurally normal for an NBFC-MFI lender, and FCF for a growing loan book is dominated by disbursement/collection cash flows rather than directly comparable to a non-financial company's FCF, but the thin multi-year profitability persistence base is worth noting ahead of the recent Q1 FY27 earnings surge.
- mediumCurrent price of ₹1,614 sits 37% below its 52-week high even though it trades above both the 50-day SMA (₹1,428.69) and 200-day SMA (₹1,330.74), is up 26.72% over the past year, and up 5.93% over the past 3 months (RSI 65.69, neutral) — indicating a recovery trend that has not yet closed the gap to the prior peak.
- lowAll 8 recent headlines cover a single event — Q1 FY27 results (PAT of ₹490-493 crore, up ~720% YoY and ~45% QoQ) — rather than reflecting diverse coverage; the YoY comparison is measured against a depressed prior-year quarter during the microfinance sector's asset-quality stress cycle, which inflates the percentage move.
- lowThe listed peer set (AXISBANK, BAJAJFINSV, BAJFINANCE, HDFCBANK, HDFCLIFE) comprises large private banks, a diversified NBFC, and a life insurer rather than direct microfinance/NBFC-MFI peers, which limits comparability of the PE (rank 3/6), ROE (rank 1/6), and quality score (rank 3/6) rankings.
Cross-section contradictions
- News coverage is uniformly positive (8 of 8 headlines) around Q1 FY27 PAT growth of roughly 720% YoY, but the comparison is against a depressed prior-year base from the sector's asset-quality stress period, and 5-year persistence data shows FCF positive in only 1 of the years — the single-quarter growth headline diverges from the multi-year profitability track record.
- Mean analyst rating of 1.56 across 15 analysts (1-5 scale, lower = more constructive) sits toward the constructive end of the scale, while the 5-year consistency score is only 24/100 with ROE above 15% in just 2 of the years — sell-side positioning contrasts with a comparatively thin multi-year fundamental persistence record.
For informational purposes only. Not investment advice. VivaTrades is not a SEBI-registered Investment Adviser or Research Analyst. Market data sourced from public feeds; consult a registered adviser before any investment decision.
Fundamentals & technicals: refreshed 11 Aug 2026 · refreshed daily at 01:00 IST
AI synthesis (narrative, snapshot, strengths/weaknesses, peer ranking): generated 31 Jul 2026 · rotates through NIFTY 500 every ~5 days