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 CreditAccess Grameen Limited'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 314.238000
forwardPE 14.092741
debtToEquity 280.714000
earningsGrowth -0.326000
revenueGrowth -0.083000
grossMargins 0.961140
operatingMargins 0.335750
trailingEps 8.350000
forwardEps 47.090000

CREDITACC's current ratio of 314.238 shows that the company has ample resources to service its short-term debt. This indicates a solid financial position, as CREDITACC can rely on its cash reserves and current assets to cover its immediate liabilities without strain.
CreditAccess Grameen Limited's Forward PE being in a good range indicates the stock is priced well relative to its earnings. It is not overvalued, leaving space for future growth, making it an appealing option for investors interested in long-term value appreciation.
CreditAccess Grameen Limited's high debt-to-equity ratio points to a heavily leveraged company, with more debt than equity in its capital structure. While this can boost growth, it increases financial vulnerability in times of economic difficulty.
CreditAccess Grameen Limited's low growth in earnings and revenue indicates that profits could shrink. This signals potential financial difficulties for the company, suggesting that its profitability might be under pressure.
CREDITACC's positive gross and operating margins reflect strong financial performance. These metrics indicate that the company is efficiently managing its operations and generating healthy profits, contributing to a solid financial position.
CREDITACC's forward EPS exceeding its trailing EPS implies that the company is projected to be more profitable this year. This suggests an improvement in financial performance, with analysts expecting CREDITACC to generate stronger earnings compared to the previous financial year.

Price projections:

Price projections for CREDITACC
Price projections for CREDITACC

Over time, price projections for CREDITACC have been gradually revised upward, reflecting increasing optimism about the company's future performance. This trend suggests analysts are growing more confident in CREDITACC's ability to deliver strong results and achieve higher market value.

Recommendation changes over time:

Recommendations trend for CREDITACC
Recommendations trend for CREDITACC


With analysts showing a buy bias for CREDITACC, investors may be more inclined to see the stock as an attractive investment. The favorable outlook could spur increased interest, positioning CREDITACC as a safe and profitable place for investors to allocate their funds and seek growth.