CreditAccess Grameen Limited
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from CreditAccess Grameen Limited's yearly results (2023–2026), compared with Financial Services companies in India. Tap ? on any ratio for what it means.
What stands out
- Tangible Net Worth Ratio: Of every ₹100 of net worth, ₹94 is tangible; the rest is goodwill and other intangibles, often from buying other companies. Less tangible than 90% of Financial Services companies in India.
- Tangible Assets Ratio: Of every ₹100 the company owns, ₹99 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles. Less tangible than 85% of Financial Services companies in India.
- Growth Efficiency Ratio: Sales grew 77% in 3 years, but profit fell: ₹2 less profit per ₹100 of extra sales. Lower than 85% of Financial Services companies in India.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 2/3Sales grew in 3 of the last 3 years; profit grew in 2 of 3.
Steadier than 56% of Financial Services companies in India.
Growth Efficiency Ratio
−₹2Sales grew 77% in 3 years, but profit fell: ₹2 less profit per ₹100 of extra sales.
Lower than 85% of Financial Services companies in India.
Asset Productivity Ratio
+77% / +46%In 3 years sales changed by +77% while total assets changed by +46%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
99%Of every ₹100 the company owns, ₹99 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
Less tangible than 85% of Financial Services companies in India.
Tangible Net Worth Ratio
94%Of every ₹100 of net worth, ₹94 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
Less tangible than 90% of Financial Services companies in India.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
CreditAccess Grameen Limited owes ₹0.75 for every ₹1 it owns. Net profit rose 46% in the year to Mar 2026, and shrank 2% a year on average over 3 years.
Compared with Financial Services companies in India · latest annual results Mar 2026.
P/E ratio
14.5Investors pay ₹14.5 for every ₹1 of CreditAccess Grameen Limited's yearly profit, lower than 52% of Financial Services companies in India.
P/B ratio
2.22The share price is 2.22 times CreditAccess Grameen Limited's book value per share, higher than 66% of Financial Services companies in India.
Market cap
₹17,446 CrThe total market value of all of CreditAccess Grameen Limited's shares at today's price (share price × number of shares), larger than 65% of Financial Services companies in India. PosiCap size class: Meso Cap.
Net worth (book value)
₹7,842 CrWhat CreditAccess Grameen Limited would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (31 Mar 2026).
Book value per share
₹489.29Net worth divided by the number of shares. The share price of ₹1,088 is 2.2 times this, which is the P/B above.
Return on equity (ROE)
16.4%CreditAccess Grameen Limited earned 16.4% on its shareholders' money over the last year, higher than 80% of Financial Services companies in India.
Owes vs Owns
0.75×CreditAccess Grameen Limited owes ₹0.75 for every ₹1 it owns (moderate), higher than 59% of Financial Services companies in India. Banks and lenders usually show higher figures.
Dividend yield
NoneCreditAccess Grameen Limited does not currently pay a dividend.
Revenue growth
+5%Revenue rose 5% in the year to Mar 2026, and grew 21% a year on average over 3 years.
Profit growth
+46%Net profit rose 46% in the year to Mar 2026, and shrank 2% a year on average over 3 years.
Profit margin
13.3%CreditAccess Grameen Limited keeps ₹13 of every ₹100 of revenue as net profit.
Questions
What is CreditAccess Grameen Limited's P/E ratio?
Investors pay ₹14.5 for every ₹1 of CreditAccess Grameen Limited's yearly profit, lower than 52% of Financial Services companies in India.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For CreditAccess Grameen Limited: ₹17,446 Cr ÷ ₹7,842 Cr (31 Mar 2026) = 2.2.
What is CreditAccess Grameen Limited's return on equity?
CreditAccess Grameen Limited earned 16.4% on its shareholders' money over the last year, higher than 80% of Financial Services companies in India.
How much does CreditAccess Grameen Limited owe compared with what it owns?
CreditAccess Grameen Limited owes ₹0.75 for every ₹1 it owns (moderate), higher than 59% of Financial Services companies in India. Banks and lenders usually show higher figures.
Does CreditAccess Grameen Limited pay a dividend?
No. CreditAccess Grameen Limited does not currently pay a dividend.
Is CreditAccess Grameen Limited's revenue growing?
Revenue rose 5% in the year to Mar 2026, and grew 21% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.