CREDITACCESS GRAMEEN Financials
| CREDITACC | 999.55 29.55 2.87% |
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Operating Income | 27.6 B | 26.3 B |
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CREDITACCESS | Select Account or Indicator |
Understanding current and past CREDITACCESS GRAMEEN Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of CREDITACCESS GRAMEEN's financial statements are interrelated, with each one affecting the others. For example, an increase in CREDITACCESS GRAMEEN's assets may result in an increase in income on the income statement.
Please note, the presentation of CREDITACCESS GRAMEEN's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, CREDITACCESS GRAMEEN's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of CREDITACCESS GRAMEEN's management manipulating its earnings.
CREDITACCESS GRAMEEN Stock Summary
CREDITACCESS GRAMEEN competes with Vraj Iron, Kalyani Steels, HDFC Asset, STEEL EXCHANGE, and Kalyani Investment. CREDITACCESS GRAMEEN is entity of India. It is traded as Stock on NSE exchange.Specialization | Financial Services, Financial Services |
| Instrument | India Stock View All |
| Exchange | National Stock Exchange of India |
| ISIN | INE741K01010 |
| Business Address | New No 49, |
| Sector | Consumer Finance |
| Industry | Financials |
| Benchmark | Dow Jones Industrial |
| Website | www.creditaccessgrameen.in |
| Phone | 91 80 2263 7300 |
You should never invest in CREDITACCESS GRAMEEN without having analyzed its financial statements. Do not rely on someone else's analysis or guesses about the future performance of CREDITACCESS Stock, because this is throwing your money away. Analyzing the key information contained in CREDITACCESS GRAMEEN's financial statements can give you an edge over other investors and help to ensure that your investments perform well for you.
CREDITACCESS GRAMEEN Key Financial Ratios
CREDITACCESS GRAMEEN's financial ratios allow both analysts and investors to convert raw data from CREDITACCESS GRAMEEN's financial statements into concise, actionable information that can be used to evaluate the performance of CREDITACCESS GRAMEEN over time and compare it to other companies across industries.| Revenue | 29.94 B | ||||
| Gross Profit | 70.08 B | ||||
| EBITDA | 22.08 B | ||||
| Net Income | 14.46 B | ||||
| Cash And Equivalents | 13.41 B |
CREDITACCESS GRAMEEN Key Balance Sheet Accounts
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
| Total Assets | 150.6B | 173.9B | 218.6B | 288.5B | 331.7B | 348.3B | |
| Other Current Liab | 1.7B | 2.2B | 789M | 2.9B | 3.3B | 3.5B | |
| Net Debt | 86.6B | 114.3B | 149.7B | 207.3B | 238.4B | 250.4B | |
| Retained Earnings | 9.2B | 12.1B | 18.6B | 38.4B | 44.1B | 46.3B | |
| Cash | 23.6B | 15.8B | 13.4B | 11.1B | 12.7B | 8.1B | |
| Other Current Assets | 123.3M | 99.4M | 186.3M | 154.3B | 177.4B | 186.3B | |
| Total Liab | 112.6B | 133.2B | 167.5B | 222.8B | 256.2B | 269.0B | |
| Total Current Assets | 99.9B | 107.0B | 211.2B | 180.7B | 207.8B | 218.2B | |
| Short Term Debt | 62.2B | 71.3B | 163.1B | 98.7B | 113.5B | 119.2B | |
| Intangible Assets | 1.6B | 1.5B | 1.3B | 1.2B | 1.3B | 705.0M | |
| Common Stock | 1.6B | 1.6B | 1.6B | 1.6B | 1.8B | 1.3B | |
| Other Liab | 115.7M | 151.6M | 86.3M | 4.0B | 4.6B | 4.9B | |
| Net Tangible Assets | 22.4B | 32.1B | 35.1B | 138.0B | 158.7B | 166.7B | |
| Other Assets | 1.0B | (100K) | 809.3M | (169.6B) | (152.6B) | (145.0B) | |
| Long Term Debt | 109.4B | 129.2B | 163.1B | 218.4B | 251.2B | 263.7B | |
| Net Receivables | 1.1B | 941M | 1.2B | 785.5M | 707.0M | 671.6M | |
| Short Long Term Debt | 62.1B | 71.2B | 163.1B | 98.7B | 113.5B | 58.4B | |
| Long Term Debt Total | 95.9B | 110.2B | 129.2B | 163.1B | 187.6B | 197.0B | |
| Capital Surpluse | 14.8B | 22.6B | 22.7B | 24.8B | 28.5B | 15.7B | |
| Inventory | 74.0B | 89.1B | 189.4B | 264.0B | 303.6B | 318.7B | |
| Accounts Payable | 625.5M | 404.6M | 440.5M | 365.2M | 420.0M | 322.8M | |
| Cash And Equivalents | 4.4B | 21.3B | 14.7B | 13.4B | 15.4B | 9.3B | |
| Net Invested Capital | 146.3B | 169.0B | 214.2B | 284.1B | 326.7B | 166.4B | |
| Net Working Capital | 140.3B | 162.9B | 44.2B | 262.2B | 301.5B | 316.6B | |
| Capital Stock | 1.6B | 1.6B | 1.6B | 1.6B | 1.8B | 1.7B |
CREDITACCESS GRAMEEN Key Income Statement Accounts
An income statement is very similar to a cash flow statement, but instead of showing net revenue minus expenses, it only includes earnings before interest and taxes (EBIT). This number does not have all of the same line items that are on a cash flow statement, but it leaves out non-cash expenses like depreciation and amortization. For example, if you bought $100 worth of goods from Walmart (WMT) using your debit card that has an interest rate of 20%, then paid off the balance at the end of the month with a credit card that charges 30% interest, you would have an income statement showing EBIT of $80 because your expenses are lower than the amount that went into your pocket.
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
| Interest Expense | 229.3M | 234.8M | 230.8M | 2.2B | 2.5B | 2.6B | |
| Total Revenue | 23.0B | 25.5B | 33.5B | 29.9B | 34.4B | 36.2B | |
| Gross Profit | 10.6B | 12.0B | 16.2B | 8.9B | 10.3B | 6.7B | |
| Operating Income | 1.8B | 4.8B | 11.1B | 22.9B | 26.3B | 27.6B | |
| Ebit | (1.6B) | 3.3B | 12.2B | 21.6B | 24.8B | 26.0B | |
| Ebitda | 11.7B | 15.3B | 23.8B | 22.1B | 25.4B | 26.7B | |
| Cost Of Revenue | 12.4B | 13.5B | 17.3B | 21.0B | 24.2B | 25.4B | |
| Income Before Tax | 1.8B | 4.8B | 11.1B | 19.4B | 22.3B | 23.4B | |
| Net Income | 1.3B | 3.5B | 8.3B | 14.5B | 16.6B | 17.5B | |
| Income Tax Expense | 490M | 1.2B | 2.8B | 4.9B | 5.7B | 6.0B | |
| Tax Provision | 490M | 1.2B | 2.8B | 4.9B | 5.7B | 6.0B | |
| Interest Income | 9.3B | 9.8B | 10.9B | 875.6M | 1.0B | 956.6M | |
| Net Interest Income | (1.3B) | (1.6B) | 233.2M | (1.4B) | (1.3B) | (1.2B) | |
| Research Development | 0.27 | 0.07 | 0.18 | 0.32 | 0.44 | 0.3 |
CREDITACCESS GRAMEEN Key Cash Accounts
Cash flow analysis captures how much money flows into and out of CREDITACCESS GRAMEEN. It measures of how well CREDITACCESS is doing because it can show the actual money that comes into and out of the Company from sales instead of measuring expenses against revenue to determine earnings. You have to read the cash flow statement in three sections. The first section shows how much money CREDITACCESS GRAMEEN brought in, usually known as net revenue or sales. This is different from earnings because it does not include expenses when determining net revenue for use on this part of the cash flow statement. Next, are operating activities, which show how much money CREDITACCESS had leftover after paying for its expenses. This number can be calculated in two ways: by subtracting the total of all operating expenses from net revenue or by adding up changes to cash and other assets or liabilities on this part of the statement. The third section is about investing activities, which shows what CREDITACCESS GRAMEEN has done with the money that it received from the sale of assets or what it spent to acquire new ones. This section can be broken down into two parts: investing in existing businesses (in other words, buying more stock) and investing in non-business activities like paying off debt or making acquisitions.
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
| Change In Cash | 17.2B | (7.8B) | (2.4B) | (2.3B) | (2.1B) | (2.0B) | |
| Free Cash Flow | (4.7B) | (27.4B) | (33.1B) | (47.5B) | (42.8B) | (40.6B) | |
| Depreciation | 440.7M | 472.3M | 498.4M | 511.5M | 588.2M | 617.6M | |
| Other Non Cash Items | (13.7B) | (15.8B) | (21.1B) | 1.6B | 1.4B | 1.5B | |
| Capital Expenditures | 145.6M | 278.6M | 173.2M | 118.5M | 136.3M | 129.2M | |
| Net Income | 1.8B | 4.8B | 11.1B | 14.5B | 16.6B | 17.5B | |
| End Period Cash Flow | 23.6B | 15.8B | 13.4B | 11.1B | 12.7B | 8.1B | |
| Investments | 650.2M | 178.6M | (3.1B) | (9.9B) | (8.9B) | (8.5B) | |
| Net Borrowings | 29.1B | 13.6B | 19.6B | 100.8B | 115.9B | 121.7B | |
| Change To Netincome | 1.1B | 5.4B | 5.1B | 2.9B | 3.3B | 2.1B |
CREDITACCESS Financial Ratios Relationships
Comparative valuation techniques use various fundamental indicators to help in determining CREDITACCESS GRAMEEN's current stock value. Our valuation model uses many indicators to compare CREDITACCESS GRAMEEN value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across CREDITACCESS GRAMEEN competition to find correlations between indicators driving CREDITACCESS GRAMEEN's intrinsic value. More Info.CREDITACCESS GRAMEEN LIMITED is number one stock in return on equity category among its peers. It also is number one stock in return on asset category among its peers reporting about 0.25 of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for CREDITACCESS GRAMEEN LIMITED is roughly 3.95 . Comparative valuation analysis is a catch-all model that can be used if you cannot value CREDITACCESS GRAMEEN by discounting back its dividends or cash flows. This model doesn't attempt to find an intrinsic value for CREDITACCESS GRAMEEN's Stock. Still, instead, it compares the stock's price multiples to a benchmark or nearest competition to determine if the stock is relatively undervalued or overvalued.CREDITACCESS GRAMEEN Systematic Risk
CREDITACCESS GRAMEEN's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. CREDITACCESS GRAMEEN volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty with a total number of output elements of fourty-one. The Beta measures systematic risk based on how returns on CREDITACCESS GRAMEEN correlated with the market. If Beta is less than 0 CREDITACCESS GRAMEEN generally moves in the opposite direction as compared to the market. If CREDITACCESS GRAMEEN Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one CREDITACCESS GRAMEEN is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of CREDITACCESS GRAMEEN is generally in the same direction as the market. If Beta > 1 CREDITACCESS GRAMEEN moves generally in the same direction as, but more than the movement of the benchmark.
CREDITACCESS GRAMEEN LIMITED Total Assets Over Time
CREDITACCESS GRAMEEN Thematic Clasifications
CREDITACCESS GRAMEEN LIMITED is part of Banks investing theme. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. All money banks and credit services. Large and small money and credit banks and credit services
This theme covers All money banks and credit services. Large and small money and credit banks and credit services. Get More Thematic Ideas
| Banks | View |
CREDITACCESS GRAMEEN January 10, 2025 Opportunity Range
Along with financial statement analysis, the daily predictive indicators of CREDITACCESS GRAMEEN help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of CREDITACCESS GRAMEEN LIMITED. We use our internally-developed statistical techniques to arrive at the intrinsic value of CREDITACCESS GRAMEEN LIMITED based on widely used predictive technical indicators. In general, we focus on analyzing CREDITACCESS Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build CREDITACCESS GRAMEEN's daily price indicators and compare them against related drivers.
| Information Ratio | (0.05) | |||
| Maximum Drawdown | 13.33 | |||
| Value At Risk | (3.25) | |||
| Potential Upside | 6.01 |
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When running CREDITACCESS GRAMEEN's price analysis, check to measure CREDITACCESS GRAMEEN's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy CREDITACCESS GRAMEEN is operating at the current time. Most of CREDITACCESS GRAMEEN's value examination focuses on studying past and present price action to predict the probability of CREDITACCESS GRAMEEN's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move CREDITACCESS GRAMEEN's price. Additionally, you may evaluate how the addition of CREDITACCESS GRAMEEN to your portfolios can decrease your overall portfolio volatility.
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