CreditAccess Grameen Quarterly Results

Charts

YoY Net Sales (Quarterly)

Operating Margin

EPS Growth

POSITIVES

Strong loan growth in the latest quarter indicates increasing demand for microfinance services, supporting overall revenue growth.
Improved net interest margin suggests better asset quality and efficient lending practices compared to previous quarters.
Cost-to-income ratio has decreased, reflecting enhanced operational efficiency and better cost management.

NEGATIVES

Rising non-performing assets (NPAs) could indicate potential credit risk, impacting profitability going forward.
Increased competition in the microfinance sector may pressure margins and growth rates in future quarters.
Regulatory changes pose uncertainty, potentially affecting lending practices and operational strategies.

Field	Sep 23	Dec 23	Mar 24	Jun 24	Sep 24	Dec 24	Mar 25	Jun 25
Revenue	1,246.94	1,292.20	1,457.49	1,512.03	1,453.29	1,380.38	1,406.63	1,462.89
Expenses	423.87	441.50	482.15	510.31	484.60	474.87	477.78	482.16
Financing Profit	823.07	850.70	975.34	1,001.72	968.69	905.51	928.85	980.73
Other Income	0.65	3.03	1.61	0.55	0.63	1.55	1.08	0.74
Depreciation	12.28	13.06	13.75	14.35	17.19	15.53	15.16	15.22
Profit Before Tax	466.77	475.57	529.46	534.74	251.99	-128.93	51.08	81.12
Tax	119.73	122.23	132.38	137.08	65.93	-29.41	3.87	20.93
Net Profit	347.04	353.34	397.08	397.66	186.06	-99.52	47.21	60.19
Gross Npa %	0	0	0	0	0	0	0	0
Net Npa %	0	0	0	0	0	0	0	0