Overall Fundamental outlook

Business Operations:

Sector: Financial Services
Industry: Credit Services

CreditAccess Grameen Limited, a non-banking financial company, provides micro finance services for women from poor and low income households in India. The company offers microcredit loans for income generation, home improvement, emergency, family welfare, and Grameen Unnati, as well as Grameen Suraksha, life insurance, and national pension schemes. It also provides retail finance loans, such as Grameen Vikas, Gruha Vikas, Grameen two-wheeler, and Grameen Swarna. In addition, the company offers digital lending products comprising Pragathi digital and multi-purpose digital loans. The company was formerly known as Grameen Koota Financial Services Private Limited and changed its name to CreditAccess Grameen Limited in January 2018. CreditAccess Grameen Limited was incorporated in 1991 and is headquartered in Bengaluru, India. CreditAccess Grameen Limited operates as a subsidiary of CreditAccess India BV.

Revenue projections:

Revenue projections for CREDITACC
Revenue projections for CREDITACC

With CREDITACC's revenue expected to be lower than the previous year, investors may become cautious. Declining revenues often negatively impact the bottom line, reducing profitability and raising concerns among investors about the company's ability to maintain strong financial performance moving forward.

Financial Ratios:

currentRatio 0.000000
forwardPE 14.109028
debtToEquity 295.947000
earningsGrowth -0.849000
revenueGrowth -0.505000
grossMargins 0.962630
operatingMargins 0.198040
trailingEps 12.130000
forwardEps 47.090000

CREDITACC's Forward PE is in a favorable range, suggesting the stock is reasonably priced relative to its earnings. This indicates the stock is not overpriced, providing room for potential growth and making it an attractive option for investors looking for solid value and future upside.
CREDITACC's high debt-to-equity ratio indicates that the company is heavily leveraged. This suggests a significant reliance on debt to finance its operations, which could expose the company to higher financial risks if its cash flow or profitability decreases.
With both earnings and revenue growth in low territory, CREDITACC is likely to see shrinking profits. This signals a possible downturn in the company's financial health and may raise concerns about its future profitability.
CREDITACC's negative gross and operating margins suggest that the company is struggling to cover its production and operating costs, leading to losses. This reflects a weakened financial state and potential difficulties in sustaining profitability.
CreditAccess Grameen Limited's forward EPS being higher than its trailing EPS signals anticipated growth in profitability for the current financial year. This suggests that CreditAccess Grameen Limited is on track to improve its earnings, outpacing the previous year's performance and reflecting positive market expectations.

Price projections:

Price projections for CREDITACC
Price projections for CREDITACC

CreditAccess Grameen Limited's price projections have been revised upward over time, suggesting that analysts are becoming more confident in the company's future. This trend points to increased optimism about CreditAccess Grameen Limited's ability to grow.

Recommendation changes over time:

Recommendations trend for CREDITACC
Recommendations trend for CREDITACC


Analysts' buy bias for CREDITACC signals that the stock is considered a favorable investment. This outlook might prompt investors to allocate funds to CREDITACC, seeing it as a solid and profitable choice to park their money and potentially benefit from the company's long-term growth.