CREDITACC:NSE-CREDITACCESS GRAMEEN LIMITED (INR)

COMMON STOCK | Credit Services | NSE

Last Closing Price

INR 1,051.70

Change

+34.65 (+3.41)%

Market Cap

INR 161.07B

Volume

0.16M

Avg Analyst Target

INR 1,219.33 (-6.21%)

Avg User Target

INR
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict


CREDITACC Stock Forecast & Price:
Based on the CREDITACCESS GRAMEEN LIMITED stock forecasts from 3 analysts, the average analyst target price for CREDITACCESS GRAMEEN LIMITED is INR 1,219.33 over the next 12 months. CREDITACCESS GRAMEEN LIMITED’s average analyst rating is Strong Buy. Stock Target Advisor’s own stock analysis of CREDITACCESS GRAMEEN LIMITED is Neutral, which is based on 5 positive signals and 6 negative signals. At the last closing, CREDITACCESS GRAMEEN LIMITED’s stock price was INR 1,051.70. CREDITACCESS GRAMEEN LIMITED’s stock price has changed by +4.91% over the past week, -2.71% over the past month and +45.98% over the last year.

About CREDITACCESS GRAMEEN LIMITED (CREDITACC:NSE)

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, and family welfare, as well as life insu ...Read More

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2022-07-05 )

Largest Industry Peers for Credit Services

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
BAJFINANCE:NSE Bajaj Finance Limited

+15.90 (+0.28%)

INR3,378.45B 48.04 20.10
SBICARD:NSE SBI Cards and Payment Services..

+13.35 (+1.73%)

INR728.86B 45.40 N/A
CHOLAFIN:NSE Cholamandalam Investment and F..

+12.45 (+1.94%)

INR530.09B 24.64 N/A
MUTHOOTFIN:NSE Muthoot Finance Limited

+20.00 (+1.92%)

INR420.62B 10.47 N/A
SRTRANSFIN:NSE Shriram Transport Finance Comp..

-0.85 (-0.07%)

INR344.39B 12.45 11.23
PFC:NSE Power Finance Corporation Limi..

+1.65 (+1.56%)

INR281.17B 2.01 9.63
IRFC:NSE Indian Railway Finance Corpora..

-0.20 (-1.00%)

INR260.72B 4.28 67.82
RECLTD:NSE REC Limited

+3.35 (+2.67%)

INR249.93B 2.49 10.46
M&MFIN:NSE Mahindra & Mahindra Financial ..

+0.20 (+0.11%)

INR221.16B 11.21 41.24
SUNDARMFIN:NSE Sundaram Finance Limited

+24.15 (+1.35%)

INR199.97B 16.90 10.67

ETFs Containing CREDITACC

Symbol Name Weight Mer Price(Change) Market Cap

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Credit Services)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 75.91% 100% A+ 98% A+
Dividend Return N/A N/A N/A N/A N/A
Total Return 75.91% 90% A- 98% A+
Trailing 12 Months  
Capital Gain 45.67% 95% A 84% B
Dividend Return N/A N/A N/A N/A N/A
Total Return 45.67% 95% A 83% B
Trailing 5 Years  
Capital Gain N/A N/A N/A N/A N/A
Dividend Return N/A N/A N/A N/A N/A
Total Return N/A N/A N/A N/A N/A
Average Annual (5 Year Horizon)  
Capital Gain 20.90% 71% C- 58% F
Dividend Return N/A N/A N/A N/A N/A
Total Return 20.90% 59% F 57% F
Risk Return Profile  
Volatility (Standard Deviation) 42.03% 51% F 67% D+
Risk Adjusted Return 49.74% 73% C 73% C
Market Capitalization 161.07B 72% C- 87% B+
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Credit Services)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 44.43 21% F 22% F
Price/Book Ratio 3.94 17% F 27% F
Price / Cash Flow Ratio -5.93 67% D+ 82% B-
EV/EBITDA 28.07 41% F 15% F
Management Effectiveness  
Return on Equity 9.07% 46% F 44% F
Return on Invested Capital 7.72% 83% B 51% F
Return on Assets 2.20% 56% F 36% F
Debt to Equity Ratio 324.83% 38% F 4% F
Technical Ratios  
Dividend Yield N/A N/A N/A N/A N/A
Short Ratio N/A N/A N/A N/A N/A
Short Percent N/A N/A N/A N/A N/A
Beta 1.46 12% F 12% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (INR)

Quarterly Financials (INR)

Analyst Ratings

Target Price Action Rating Action Analyst Rating Price Date

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User / Independent Analyst Ratings

User Name Target Rating Target Horizon (Months) Target Price User Analysis Date Comment

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Superior capital utilization

The company management has delivered better return on invested capital in the most recent 4 quarters than its peers, placing it in the top quartile.

Positive free cash flow

The company had positive total free cash flow in the most recent four quarters.

Superior Earnings Growth

This stock has shown top quartile earnings growth in the previous 5 years compared to its sector.

Superior Revenue Growth

This stock has shown top quartile revenue growth in the previous 5 years compared to its sector.

High Gross Profit to Asset Ratio

This stock is in the top quartile compared to its peers on Gross Profit to Asset Ratio. This is a popular measure among value investors for showing superior returns in the long run.

What to not like:
Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Poor return on equity

The company management has delivered below median return on equity in the most recent 4 quarters compared to its peers.

Highly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Negative cashflow

The company had negative total cash flow in the most recent four quarters.

Overpriced on free cash flow basis

The stock is trading high compared to its peers on a price to free cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.