ALFA Finder| Management target | Revenue 25.0% FY27 |
|---|
| Revenue growth | AUM grew 14% YoY; disbursements up 24.1% YoY to 24,859 Cr. |
|---|---|
| Margins | NIMs improved by 35 bps QoQ to 14.2% in Q4 FY26. |
| Demand visibility | Strong rural demand; targeting 23.5 Cr low-income households by 2030. |
| Management confidence | Balanced; transparent about credit cost misses and external macro risks. |
Growth
AUM grew 14% YoY; disbursements reached 24,859 Cr, up 24.1% YoY. Retail finance share expanded to 18.1%.
Outlook
FY27 guidance targets 20-25% AUM growth, 12.8-13% NIM, and 16-20% ROE.
Risks
Higher credit costs (6.74%) vs 6.0% upper guidance; West Asia crisis risks triggered extra provisioning.
Last quarter's promises, checked
Delivered
- AUM growth guidance 14% → delivered 14% (= BEAT)
- PPOP guidance INR 2,800 Cr → delivered INR 2,809 Cr (= BEAT)
- Liability diversification (foreign share) 21% → 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)
Earnings Call Transcript 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
CreditAccess Grameen paid monthly interest of Rs.1.92 Crore across two NCD series, due 7 November 2026. Payment was made early on 5 November 2026.
- Value
- ₹1.92 Cr
CreditAccess Grameen Employee Stock Options
CreditAccess Grameen allotted 6,484 ESOP shares to 10 employees on 4 November 2026. Shares rank pari-passu with existing equity.
CreditAccess Grameen Other Announcement
CreditAccess Grameen intimated exchanges that its RTA, KFin Technologies, is moving its corporate office to a new Kokapet address effective 1 December 2026. This is an administrative update for investors and records only.
CreditAccess Grameen Earnings Call Transcript: Key Takeaways
CA Grameen reported record profits despite localized climate stress in Maharashtra and MP.
- 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.