CREDITACC.NS
Key Ratios

Net Profit Margin: Making very high profit as compared to its revenue which generally means either business holds monopoly in the market or it is a high-margin business

Acid Test Ratio: NA

Inventory Turnover: NA

Coverage Analysis: NA

Debt to Equity Ratio: Company has high debt when compared to its equity which means it would not be able to pay its debt with the equity

P/E Ratio: Fairly valued stock which is a sign of mature companies

Performance Graph
Financial Ratios
Ratio Value
PE Ratio10.02
Net Profit Margin0.29
Acid Test Ratio0.00
Inventory Turnover0.00
Coverage Ratio0.00
Debt to Equity3.32
Key Ratios

Net Profit Margin: Making very high profit as compared to its revenue which generally means either business holds monopoly in the market or it is a high-margin business

Return on Assets: Very high efficiency of the assets which indicates assets are making high contribution to the revenue

Return on Equity: High income of the company when compared with its equity, which means efficient equity

Performance Graph
Profitability Ratios
Ratio Value
Net Profit Margin0.29
Return on Assets0.27
Return on Equity0.22
Performance Graph
Key Ratios

Acid Test Ratio: NA

Current Ratio: It has a good balance between assets & liabilities and would be just able to cover its short-term liabilities

Performance Graph
Liquidity Ratios
Ratio Value
Acid Test Ratio0.00
Current Ratio1.77
Performance Graph
Key Ratios

Inventory Turnover: NA

Performance Graph
Efficiency Ratios
Ratio Value
Inventory Turnover0.00
Performance Graph
Key Ratios

Coverage Analysis: NA

Performance Graph
Coverage Ratios
Ratio Value
Coverage Ratio0.00
Performance Graph
Key Ratios

Debt to Equity Ratio: Company has high debt when compared to its equity which means it would not be able to pay its debt with the equity

Interest Coverage Ratio: Company is at low risk of getting default as it can easily cover its interest payments and strong financial health

Performance Graph
Solvency Ratios
Ratio Value
Debt to Equity Ratio3.32
Interest Coverage Ratio9.90
Performance Graph
Key Ratios

P/E Ratio: Fairly valued stock which is a sign of mature companies

Dividend Yield: NA

Performance Graph
Market Ratios
Ratio Value
P/E Ratio10.02
Gross Profit Margin0.57
Price to Book Ratio2.21
Dividend Yield0.00
Performance Graph

Balance Sheet Analysis of CreditAccess Grameen Limited

The balance sheet in the financial statement of the company shows its financial position at a particular point in time.

It consists of the following:

  • Assets: Something that the company owns and that gives financial benefits over a period of time.
  • Liabilities: Something that a company owes and that has a financial burden on the company.
  • Equity: It is basically the owner’s share in the company.

The formula is:

Assets = Liabilities + Equity
đź“ŚAssets:
Asset
Value & Year
2024
2023
2022
Total Assets 288462000000 218581000000 174817000000
Total Non Current Assets 107779000000 88122400000 67840200000
Other Non Current Assets 21500000 4900000 2000000
Non Current Prepaid Assets - - -
Non Current Deferred Taxes Assets 1354500000 809300000 1553900000
Financial Assets 365500000 316300000 -
Investment In Financial Assets 252900000 291400000 201000000
Held To Maturity Securities - - -
Available For Sale Securities 252900000 291400000 195500000
Financial Assets Fair Value - 4545300000 5500000
Long Term Equity Investment - - -
Investments In Associates At Cost - - -
Goodwill And Other Intangible Assets 4922700000 5061400000 5254000000
Other Intangible Assets 1165900000 1304600000 1497200000
Goodwill 3756800000 3756800000 3756800000
Net Ppe 1213400000 968200000 1065600000
Accumulated Depreciation -1179900000 -1011600000 -755400000
Gross Ppe 2393300000 1979800000 1821000000
Construction In Progress - - -
Other Properties 12400000 12600000 10800000
Machinery Furniture Equipment 1910200000 1508900000 1408300000
Buildings And Improvements 412600000 400200000 343800000
Land And Improvements 58100000 58100000 58100000
Properties - - -
Current Assets 180683000000 130459000000 106978000000
Other Current Assets 220900000 186400000 100100000
Hedging Assets Current 365500000 316300000 -
Assets Held For Sale Current - - -
Restricted Cash 1147200000 572700000 1808400000
Prepaid Assets - - -
Inventory - - -
Other Inventories - - -
Finished Goods - - -
Work In Process - - -
Raw Materials - - -
Other Receivables 152476000000 110219000000 88274300000
Taxes Receivable 35700000 - 322600000
Accounts Receivable - - -
Allowance For Doubtful Accounts Receivable - - -
Gross Accounts Receivable - - -
Cash Cash Equivalents And Short Term Investments 26423000000 19163800000 16794800000
Other Short Term Investments 15350100000 5749700000 989300000
Cash And Cash Equivalents 11072900000 13414100000 15805500000
Cash Equivalents 8249100000 11179600000 14725700000
Cash Financial 2823800000 2234500000 1079800000
đź“Ś Liabilities & Equity
Liability/Equity
Value & Year
2024
2023
2022
Net Debt 207337000000 149709000000 113401000000
Total Debt 218410000000 163123000000 130057000000
Total Liabilities Net Minority Interest 222762000000 167511000000 133148000000
Total Non Current Liabilities Net Minority Interest 120809000000 84376600000 59012800000
Other Non Current Liabilities 248600000 -100000 -100000
Derivative Product Liabilities - - 16600000
Non Current Pension And Other Postretirement Benefit Plans 225900000 180500000 227400000
Trade And Other Payables Non Current - 5600000 35600000
Non Current Deferred Revenue - - -
Non Current Deferred Taxes Liabilities - - -
Long Term Debt And Capital Lease Obligation 119705000000 83526600000 58761100000
Long Term Capital Lease Obligation - 668000000 737100000
Long Term Debt 119705000000 83526600000 58024000000
Long Term Provisions 474600000 260500000 227400000
Current Liabilities 101953000000 83134700000 74135300000
Other Current Liabilities - 789000000 -
Current Deferred Taxes Liabilities - - -
Current Debt And Capital Lease Obligation 98705300000 79596000000 71295800000
Current Capital Lease Obligation - 117100000 112900000
Current Debt 98705300000 79596000000 71182900000
Pension And Other Post Retirement Benefit Plans Current 248700000 185800000 85000000
Current Provisions - 105600000 85000000
Payables 2812100000 3233600000 2737900000
Other Payable 2446900000 2787500000 2375500000
Dividends Payable - - -
Total Tax Payable - 5600000 14600000
Accounts Payable 365200000 440500000 347800000
Common Stock Equity 65699800000 51069700000 41669100000
Total Capitalization 185405000000 134596000000 99693100000
Total Equity Gross Minority Interest 65699800000 51069700000 41669100000
Minority Interest - - 984000000
Stockholders Equity 65699800000 51069700000 41669100000
Other Equity Interest 311700000 194100000 117200000
Treasury Stock - - -
Retained Earnings 30110700000 18551300000 11947300000
Additional Paid In Capital 24981300000 24785900000 22681200000
Capital Stock 1593800000 1589100000 1558700000
Common Stock 1593800000 1589100000 1558700000

Income statement interpretation for CreditAccess Grameen Limited

The income statement in the financial statement of the company shows its company financial performance over a period in time.

It consists of the following:

  • Revenue: It is the total amount of money earned from the core business activity of the company.
  • Expenses: It is the total amount required for running the full functionality of the company.
  • Profit or loss:In very simple terms, when a company pays its expenses using its revenue, then what’s left is profit, and in case expenses are more when compared with revenue, then it is loss.
đź“ŚRevenue & Profitability
Revenue/Profitability
Value & Year
2024
2023
2022
Total Revenue 49049700000 32969800000 25470400000
Operating Revenue 49049700000 32969800000 25470400000
Cost Of Revenue 21016000000 15102500000 11886200000
Gross Profit 28033700000 17867300000 13584200000
Ebitda 22081800000 13139500000 7145400000
Ebit 21570300000 12641100000 6673100000
Operating Income 23531200000 14148900000 11360300000
Net Income 14459300000 8260600000 3530700000
Net Income From Continuing Operation Net Minority Interest 14459300000 8260600000 3530700000
Net Income From Continuing And Discontinued Operation 14459300000 8260600000 3530700000
Net Income Common Stockholders 14459300000 8260600000 3530700000
Net Income Including Noncontrolling Interests 14459300000 8260600000 3530700000
Net Income Discontinuous Operations - - -
Net Income Continuous Operations 14459300000 8260600000 3530700000
Normalized Income 16533968485 9776460677 7249247721
Normalized Ebitda 24864200000 15168000000 12209100000
Total Unusual Items -2782400000 -2028500000 -5063700000
Total Unusual Items Excluding Goodwill -2782400000 -2028500000 -5063700000
đź“ŚExpenses & Taxes
Expenses/Taxes
Value & Year
2024
2023
2022
Reconciled Depreciation 511500000 498400000 472300000
Reconciled Cost Of Revenue 21016000000 15102500000 11886200000
Total Expenses 25518500000 18820900000 14110100000
Operating Expense 4502500000 3718400000 2223900000
Other Operating Expenses 2349200000 1828600000 1388100000
Depreciation And Amortization In Income Statement 511500000 498400000 472300000
Amortization 222400000 228700000 221400000
Depreciation Income Statement 289100000 269700000 250900000
Selling General And Administration 461300000 461900000 322300000
Selling And Marketing Expense - - -
General And Administrative Expense 461300000 461900000 322300000
Rent And Landing Fees 347700000 298900000 232900000
Tax Provision 4932500000 2793600000 1277200000
Pretax Income 19391800000 11054200000 4807900000
Other Non Operating Income Expenses 59800000 56700000 73100000
Special Income Charges -3127500000 -2241700000 -5242200000
Other Special Charges - - -
Write Off 3127500000 2241700000 5242200000
Net Non Operating Interest Income Expense -1416800000 -1122900000 -1561600000
Total Other Finance Cost 113900000 32600000 34400000
Interest Expense Non Operating 2178500000 1586900000 1865200000
Interest Income Non Operating 875600000 496600000 338000000
đź“Ś Earnings Per Share
Earnings Per Share
Value & Year
2024
2023
2022
Diluted Eps 90.41 51.82 22.20
Basic Eps 90.88 52.04 22.29
Diluted Ni Avail To Com Stockholders 14459300000 8260600000 3530700000
Net Income From Continuing Operations 19391800000 11054200000 4807900000
Minority Interests - - 59400000

Cash flow analysis for CreditAccess Grameen Limited

The cashflow statement in the financial statement of the company shows how cash is moving in or moving out of the company over a period of time.

It consists of the following:

  • Operating activities: Cash flow from the core business operations.
  • Investing activities: Cashflow from investments made by the company.
  • Financing activities: These are cash from loans or by issuing shares or paying out dividends.
đź“ŚOperating Cash Flow
Operating Cash Flow
Value & Year
2024
2023
2022
Operating Cash Flow -47337800000 -32897800000 -27134700000
Changes In Cash -2341200000 -2391400000 -7795400000
Taxes Refund Paid -5609300000 -2400900000 -1203200000
Change In Working Capital -64536200000 -45417300000 -36296400000
Change In Other Current Liabilities 55800000 35100000 -27600000
Change In Other Current Assets 1147100000 789300000 847800000
Change In Payable -473500000 446800000 573100000
Change In Inventory - - -
Change In Receivables -65363100000 -46736300000 -37754000000
Other Non Cash Items -32596100000 -22332600000 -16531100000
Stock Based Compensation 167100000 106500000 54500000
Provision And Write Off Of Assets 6100000 3100000 15900000
Depreciation And Amortization 511500000 498400000 472300000
Amortization Cash Flow 222400000 228700000 -
Depreciation 289100000 269700000 472300000
đź“ŚInvesting Cash Flow
Investing Cash Flow
Value & Year
2024
2023
2022
Investing Cash Flow -9942000000 -3144300000 -329600000
Net Other Investing Changes 409200000 119900000 -565500000
Interest Received Cfi 349300000 362800000 337300000
Dividends Received Cfi - - 2800000
Net Investment Purchase And Sale -10497600000 -3454300000 173100000
Sale Of Investment 118571000000 76412600000 73665600000
Purchase Of Investment -129068000000 -79866900000 -73492500000
Net Business Purchase And Sale - - -
Sale Of Business - - -
Purchase Of Business - - -
Net Ppe Purchase And Sale -118300000 -136700000 -200300000
Sale Of Ppe 200000 500000 1300000
Purchase Of Ppe -118500000 -137200000 -201600000
Net Intangibles Purchase And Sale -84600000 -36000000 -77000000
Purchase Of Intangibles -84600000 -36000000 -77000000
đź“Ś Financing Cash Flow
Financing Cash Flow
Value & Year
2024
2023
2022
Financing Cash Flow 54938600000 33650700000 19668900000
Net Other Financing Charges -527600000 -4400000 -
Interest Paid Cff - - -
Cash Dividends Paid - - -
Common Stock Dividend Paid - - -
Net Common Stock Issuance 150600000 47300000 30300000
Common Stock Payments - - -
Common Stock Issuance 150600000 47300000 30300000
Repurchase Of Capital Stock - - -
Repayment Of Debt -527600000 -4400000 -2821900000
Issuance Of Debt 55555300000 33796700000 22644100000
Issuance Of Capital Stock 150600000 47300000 30300000
Net Issuance Payments Of Debt 55027700000 33792300000 19822200000
Net Short Term Debt Issuance - - -
Short Term Debt Issuance - - -
Net Long Term Debt Issuance 55027700000 33792300000 19822200000
Long Term Debt Payments -527600000 -4400000 -2821900000
Long Term Debt Issuance 55555300000 33796700000 22644100000
Net Preferred Stock Issuance - - -
Preferred Stock Payments - - -

Summary

Fundamental Overview of CREDITACC.NS (CreditAccess Grameen Limited)

Above is the summary for fundamental analysis of CreditAccess Grameen Limited , whose ticker name is CREDITACC.NS and belongs to sector Financial Services, and it is listed in NSE (National Stock Exchange).

The CreditAccess Grameen Limited which is listed in NSE (National Stock Exchange) has a PE ratio of 10.02, CREDITACC.NS has a net profit margin of 0.29, the acid test ratio for CREDITACC.NS is 0.00, CREDITACC.NS has an inventory turnover of 0.00, and CREDITACC.NS has debt-to-equity ratio of 3.32.

The CREDITACC.NS whose company name is CreditAccess Grameen Limited has made profit/loss of 28033700000 with total revenue of 49049700000, CREDITACC.NS has assets worth of 288462000000.

1. What is fundamental analysis?

Fundamental analysis is looking into a company’s real business performance by analyzing financial statements, earning reports, and key valuation ratios.

Basically, fundamental analysis involves examining a company’s revenue, profits, losses, debts, assets, liabilities, and ratios calculated using these values to determine long-term investment strategies.

Fundamental analysis may not work for short-term trading of stock; it is usually incorporated by long-term investors.

2. Importance of Fundamental Analysis

Imagine you are locking a good amount of funds into an unknown company for many years. Sounds stupid, right?

This is where fundamental analysis comes into the picture, which turns an unknown enemy into a known friend.

As fundamental analysis involves calculating how a company is actually performing, the real revenue, profits, assets, liabilities, debts, and more. This helps investors to determine what the actual current financial condition of the company is, how much the company’s stock price is justified when compared to earnings (Corporate earnings reports India) that it is making through business, what the probability is that the company will go bankrupt in the future, how much growth the company has shown in the past, and other financial ratios.

All these calculations and analyses determine the financial health of the company, historical business growth, company’s efficiency, and its stock price compared with real earnings (Corporate earnings reports India), which helps traders to make investment decisions for long-term investment strategies.

2. How to Use Our Tool

  • Search for the stock that you want to analyze in the search bar by typing the name of the company or ticker.
  • Once you land on the Stock Analytics Page, click on “Fundamental Analysis”; this will take you to the fundamental analysis page.
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  • On the “Fundamental Analysis” page, the first tab is for “Summary and Ratio,” where in the top section you can find the overall summary of the stock’s fundamental analysis, where on the leftmost side it has a textual summary, then in the middle a gauge chart that represents overall financial health, and then a list of important ratios.
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  • Then in the same “Summary and Ratio” tab, we have included a detailed analysis of stock in various aspects, which includes “Profitability Analysis,” “Liquidity Analysis,” “Efficiency Analysis,” “Coverage Analysis,” Solvency Analysis,” and “Market Analysis,” which divide the stock’s fundamentals into the above aspects and analyze each in the same format as for overall analysis, where the leftmost side has a textual summary, then in the middle a gauge chart that represents overall analysis of the particular section, and then a list of important ratios. Required for the particular analysis.
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