ALFA Finder| Management target | Revenue 25.0% FY27 |
|---|
| Revenue growth | 20.0% – 25.0% AUM growth guided for FY27. |
|---|---|
| Margins | Higher yields and lower COB leading to higher NIM. |
| Demand visibility | Targeting 23.5 Cr low-middle income households by 2030. |
| Management confidence | High; citing industry leading performance trend and resilient balance sheet. |
Growth
AUM grew 16.4% YoY; PPOP rose 33.6% YoY to INR 873 Cr; NIM improved to 14.4%.
Outlook
FY27 guidance: AUM growth 20-25%, NIM 12.8-13.2%, ROA 4.0-4.8%, and ROE 16-20%. Project Shakti targets 20-25% AUM CAGR.
Risks
Normalization of asset quality post-industry crisis; 20.6% employee attrition; West-Asia crisis impact on ECL model.
Last quarter's promises, checked
Delivered
- AUM growth guided 14.0% → delivered 14.0% (= BEAT)
- PPOP growth guided in line with budget → delivered INR 2,809 Cr (= BEAT)
- Liability diversification share of foreign borrowings → delivered 24.4% (= BEAT)
Missed
- Credit cost guidance 5.5-6.0% → delivered 6.74% (= MISS)
- ROA guidance lower end 2.9% → delivered 2.7% (= MISS)
- ROE guidance lower end 11.8% → delivered 10.7% (= MISS)
Investor Presentation filed with BSE, NSE: CREDITACC. Summary written with AI assistance from the document.
CreditAccess Grameen Ltd: key numbers
- Share price
- ₹1,137.20
- Market cap
- ₹18,259 Cr
- Revenue (annual)
- ₹6,059 Cr
- Net profit (annual)
- ₹777.6 Cr
- P/E (TTM)
- 11.5×Sector 20.8×
- Promoter holding
- 63.83%-2.38% QoQ
- FII holding
- 14.73%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from CreditAccess Grameen Ltd
All →CreditAccess Grameen Debt & Borrowing: ₹1.92 Cr
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- Value
- ₹1.92 Cr
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- Call
- Guides 25% growth
CreditAccess Grameen Management Change
CreditAccess Grameen Limited has appointed M/s. Sharp & Tannan as Statutory Auditor for a term of 36 months, effective July 1, 2027.
CreditAccess Grameen Other Announcement
CreditAccess Grameen filed its statement of utilization of issue proceeds for non-convertible securities for the quarter ended September 30, 2026, per SEBI LODR regulations.