CreditAccess Grameen Limited Fundamental Analysis (BSE: CREDITACC.BO)
CreditAccess Grameen Limited Fundamental Analysis (BSE: CREDITACC.BO)
CreditAccess Grameen Limited (BSE: CREDITACC.BO) shows moderate financial fundamentals with a PE ratio of 20.16, profit margin of 19.13%, and ROE of 15.73%. The company generates $63.3B in annual revenue with strong year-over-year growth of 12.93%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 58.0/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze CREDITACC.BO's fundamental strength across five key dimensions:
Efficiency Score
WeakCREDITACC.BO struggles to generate sufficient returns from assets.
Valuation Score
ExcellentCREDITACC.BO trades at attractive valuation levels.
Growth Score
ModerateCREDITACC.BO shows steady but slowing expansion.
Financial Health Score
WeakCREDITACC.BO carries high financial risk with limited liquidity.
Profitability Score
ExcellentCREDITACC.BO achieves industry-leading margins.
Key Financial Metrics
Is CREDITACC.BO Expensive or Cheap?
P/E Ratio
CREDITACC.BO trades at 20.16 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, CREDITACC.BO's PEG of 0.04 indicates potential undervaluation.
Price to Book
The market values CreditAccess Grameen Limited at 2.93 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 0.21 times EBITDA. This is generally considered low.
How Well Does CREDITACC.BO Make Money?
Net Profit Margin
For every $100 in sales, CreditAccess Grameen Limited keeps $19.13 as profit after all expenses.
Operating Margin
Core operations generate 47.84 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $15.73 in profit for every $100 of shareholder equity.
ROA
CreditAccess Grameen Limited generates $3.57 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
CreditAccess Grameen Limited generates limited operating cash flow of $3.16B, signaling weaker underlying cash strength.
Free Cash Flow
CreditAccess Grameen Limited produces free cash flow of $3.09B, offering steady but limited capital for shareholder returns and expansion.
FCF Per Share
Each share generates $19.31 in free cash annually.
FCF Yield
CREDITACC.BO converts 1.27% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
20.16
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.04
vs 25 benchmark
P/B Ratio
Price to book value ratio
2.93
vs 25 benchmark
P/S Ratio
Price to sales ratio
3.86
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
3.03
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.16
vs 25 benchmark
ROA
Return on assets percentage
0.04
vs 25 benchmark
ROCE
Return on capital employed
0.09
vs 25 benchmark
How CREDITACC.BO Stacks Against Its Sector Peers
| Metric | CREDITACC.BO Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 20.16 | 21.19 | Neutral |
| ROE | 15.73% | 657.00% | Weak |
| Net Margin | 19.13% | -1592.00% (disorted) | Strong |
| Debt/Equity | 3.03 | 0.90 | Weak (High Leverage) |
| Current Ratio | 0.00 | 910.00 | Weak Liquidity |
| ROA | 3.57% | 4466981.00% | Weak |
CREDITACC.BO outperforms its industry in 1 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews CreditAccess Grameen Limited's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
203.44%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
43.27%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
145.41%
Industry Style: Value, Dividend, Cyclical
High Growth