CREDITACCCreditAccess Grameen Ltd.

₹1417.9+2.74%

Market Cap

₹22,077.01 Cr

Stock P/E

113.83

ROCE

9.55%

ROE

7.90%

Book Value

₹435.71

Financials

YoY Net Sales

EPS Growth

Operating Margin

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From Last Concall

POSITIVES

•
Q1 FY26 kicked off with positive momentum, setting a new benchmark with the highest ever Q1 disbursement.
•
PAR 15+ accretion rate has improved, indicating stabilizing asset quality (0.46% in June 2025 vs 1.34% in November 2024).

NEGATIVES

•
Q1 FY26 write-offs were high, with Rs 693 crore written off including Rs 603 crore accelerated write-off, elevating credit cost by Rs 193 crore for the quarter.
•
Trailing-12-month write-offs are substantial (4.6 lakh borrowers) with 1.8 lakh written off in Q1 alone, signaling ongoing asset quality stress.

Peers Summary

Sector Leader

CreditAccess Grameen Ltd. stands out in growth and profitability metrics but faces challenges in valuation, with a high PE ratio compared to peers. It demonstrates solid operational efficiency and strong revenue growth, but its debt level is a concern. The peer comparison highlights Bajaj Holdings as a strong performer with exceptional growth and profitability metrics, while JIO Financial Services suffers from low returns and high valuation ratios, indicating potential overvaluation.

Key Points

• CreditAccess Grameen Ltd. has the highest EPS growth over 3 years (119.2%) among peers.
• Bajaj Holdings leads in profitability with the highest ROA (12.45%) and profit margin (446.71%).
• JIO Financial Services is the weakest in terms of ROE (1.23%) and has the highest PE ratio (363.69), indicating potential overvaluation.
• Cholamandalam and Shriram Finance have high debt levels but moderate profitability metrics.
• Bajaj Holdings is a strong value pick due to its low PEG ratio (0.93) coupled with high profitability.

Top Performers

Bajaj Holdings & Investment Ltd.

Highest growth in revenue YoY (255.25%) and outstanding EPS (585.90), coupled with strong margins.

CreditAccess Grameen Ltd.

Significant revenue growth (45.74% YoY) and profitability metrics (ROE of 24.87%) make it a leader in the sector.

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