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

Investors may react cautiously to news that CreditAccess Grameen Limited's revenues are forecasted to be lower than last year's. Such declines are likely to have a negative effect on the company's bottom line, which can lead to concerns about profitability and hinder investor confidence in the company's future performance.

Financial Ratios:

currentRatio 355.044000
forwardPE 12.699208
debtToEquity 295.484000
earningsGrowth -0.881000
revenueGrowth -0.581000
grossMargins 0.999410
operatingMargins 0.147200
trailingEps 33.190000
forwardEps 47.090000

CREDITACC's current ratio is 355.044, signaling that the company has sufficient cash reserves and current assets to cover its short-term debt obligations. This suggests financial stability, as CREDITACC should not face any issues meeting its short-term liabilities with available resources.
CREDITACC's Forward PE is in a favorable range, meaning its stock price compares well with its earnings and isn't overpriced. This leaves room for growth, making it a compelling opportunity for investors looking to benefit from potential future gains.
CREDITACC's high debt-to-equity ratio indicates the company is using significant leverage, relying more on debt to finance its operations. This can lead to higher risk, especially if profitability falters or economic conditions worsen.
CREDITACC's low earnings and revenue growth suggest that the company's profits may shrink. This trend could indicate underlying financial struggles and pose challenges for CREDITACC's future profitability.
With negative gross and operating margins, CreditAccess Grameen Limited is facing losses at both the production and operational levels. This signals significant financial strain and may indicate that the company is struggling to manage costs effectively.
With a forward EPS greater than its trailing EPS, CREDITACC is forecasted to be more profitable this year than last. This growth expectation reflects confidence in the company's earnings potential and suggests an improving financial trajectory for the year ahead.

Price projections:

Price projections for CREDITACC
Price projections for CREDITACC

Price projections for CREDITACC have gradually risen over time, signaling increased optimism about the company's future prospects. This steady upward revision reflects growing confidence in CREDITACC's market potential.

Recommendation changes over time:

Recommendations trend for CREDITACC
Recommendations trend for CREDITACC


Analysts have shown a buy bias for CREDITACC, marking it as a favorable investment option. This could inspire investors to see CREDITACC as a strong place to park their money, given the positive outlook and growth potential associated with the stock in recent evaluations.