CREDITACCESS GRAMEEN LIMITED (CREDITACC) fair value: what the stock is really worth
As of Nov 9, 2026: fair value (intrinsic value) of CREDITACCESS GRAMEEN LIMITED stock ₹631, price ₹1,102, that is 42.7% below the price, quality 62 out of 100. Rating: strongly overvalued. Calculated from audited financials with 13 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.
How to read this chart
60‑month range ₹499.48 – ₹1,750 · fair‑value band ₹473.05 – ₹1,280 · the ₹1,102 price screens above the ₹630.73 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.
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CreditAccess Grameen Limited, a non-banking financial company, provides micro finance services for women from poor and low-income households in India.
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The company offers microcredit loans for income generation, home improvement, emergency, family welfare, and Grameen Unnati, as well as Grameen Suraksha, Grameen Sanchay, life insurance, and national pension schemes.
It also provides retail finance loans, such as Grameen Vikas, Unnati loan, Grameen two-wheeler, Grameen Vishesh loan, and Grameen housing loan. In addition, the company offers digital lending products comprising Grameen Mahi, a customer app, Pragathi digital and multi-purpose digital loans.
The company was formerly known as Grameen Koota Financial Services Private Limited and changed its name to CreditAccess Grameen Limited in January 2018. CreditAccess Grameen Limited was incorporated in 1991 and is headquartered in Bengaluru, India.
CreditAccess Grameen Limited is a subsidiary of CreditAccess India BV.
Stock analysis
CREDITACCESS GRAMEEN LIMITED (CREDITACC) currently trades at ₹1,102, while our model-based Fair Value estimate is ₹630.73, 43% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of ₹1,893 per share, and 3 of the 12 models we run sit above the ₹1,102 price.
Bear case: the Dividend Discount group reads lowest at ₹114.81, and 9 of the 12 models stay below the price. Data coverage for this calculation is high.
Scenario range: ₹473.05 (bear) to ₹1,280 (bull), the price of ₹1,102 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 62/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
CREDITACCESS GRAMEEN LIMITED reported revenue of ₹60.1B in FY2026 versus ₹25.5B in FY2022, a compound +24.0%/yr. Reported net income was ₹7.8B in FY2026, compounding +21.8%/yr from FY2022.
Key figures
Market cap ₹177B (≈ $1.9B) Small · P/E ratio 11.2 · P/S ratio 4.94 · EPS (TTM) ₹98.58 · Dividend yield 1.0% · Net margin 44.2% · Return on equity 19.7% · Return on assets (EBIT) 7.9% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 74 out of 100 (low confidence).
What moves the price
The share trades about 32% below its 52-week high and 10% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −1% fair-value upside, at −43%, CREDITACC screens richer than that median.
Fair Value models
Bear₹473.05Fair Value ₹630.73Bull₹1,280
Price ₹1,102 · Downside -42.7%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 7 months old). Earnings retained since then (₹60.77 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+8.6%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+22.2%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+21.3%
Start year 2021 (pandemic). Over 10 years: +29.7% a year
Revenue growth 13 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+39.0%
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What shareholders gained per year (last 5 years), in INR ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in INR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+17.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year+16.8%
Dividend (yield on the price)1.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.16.8% vs 19.6%, steady
Pace: the 5-year rate starts in 2021 (pandemic)
Growth Forecast
A lot of optimism in the price
The price assumes less growth than the company has delivered so far and more than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+14.9%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+6.9%
Yearly sales growth analysts expect, extended to five years.
After inflation (India: IMF forecast 4.1% a year to 2030, 4.7% from 2016 to 2025) that is about +10.3% a year for the price and +2.6% for the forecasts.
Compare CREDITACCESS GRAMEEN LIMITED with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 325 stocks
Beats the industry median on 6/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score62 · Above median
Fair Value upside−42.7% · Bottom 25%
Profitability
Return on equity (12 months)19.7% · Top 25%
Return on assets2.4% · Above median
Net margin (12 months)44.2% · Top 25%
Operating margin (12 months)63.8% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)108.9% · Top 25%
Dividend yield (12 months)1.0% · Below median
Balance sheet
Debt / equity3.02× · Highest 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
P/E (12 months)11.2× · Pricier than median
P/B2.26× · Priciest 25%
P/S (12 months)4.94× · Pricier than median
Price / free cash flow (fiscal year)6.5× · Pricier than median
EV/EBITDA36.7× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 48
FUTURE (revenue growth)100· sector 55
PAST (return on equity)79· sector 34
HEALTH (low debt)0· sector 58
DIVIDEND (yield)20· sector 63
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Is CREDITACCESS GRAMEEN LIMITED (CREDITACC) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of ₹630.73 versus a price of ₹1,102, about 43% lower (overvalued).
What is the fair value of CREDITACC?
Our model-based fair value for CREDITACCESS GRAMEEN LIMITED is ₹630.73 (as of Nov 7, 2026), built from audited fundamentals. The current price: ₹1,102.
What is the quality score of CREDITACC?
CREDITACCESS GRAMEEN LIMITED has a Quality Score of 62/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for CREDITACCESS GRAMEEN LIMITED (CREDITACC)?
Our model-based price target is the fair value of ₹630.73 (as of Nov 7, 2026) from 13 valuation models. Cautious scenario ₹473.05, optimistic scenario ₹1,280. It is a calculation from audited fundamentals, not an analyst target.
What is the CREDITACCESS GRAMEEN LIMITED stock forecast for 2026?
Our models put fair value at ₹630.73, about 43% lower versus a price of ₹1,102 (overvalued). Cautious scenario ₹473.05, optimistic scenario ₹1,280. The calculation is refreshed regularly with new filings.
What is the revenue of CREDITACCESS GRAMEEN LIMITED (CREDITACC)?
CREDITACCESS GRAMEEN LIMITED reported trailing-twelve-month revenue of about ₹35.9B (latest available figure, as of Nov 7, 2026).
Does CREDITACCESS GRAMEEN LIMITED pay a dividend?
CREDITACCESS GRAMEEN LIMITED currently shows a dividend yield of 1.00% relative to its recent price (as of Nov 7, 2026).
How much is the dividend of CREDITACCESS GRAMEEN LIMITED (CREDITACC)?
CREDITACCESS GRAMEEN LIMITED has a dividend yield of 1.0%.
What growth is priced into CREDITACCESS GRAMEEN LIMITED (CREDITACC)?
For today's price to be fair in a discounted-cash-flow model, CREDITACCESS GRAMEEN LIMITED would have to grow free cash flow by +14.9 % per year for five years (discount rate 12.4 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +21.3 % per year. As of Nov 7, 2026.
What discount rate (WACC) does the fair value of CREDITACC use?
Our models discount CREDITACCESS GRAMEEN LIMITED at 12.4 %: a base by market capitalisation (small), damped by beta 0.06, country premium for India. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For CREDITACCESS GRAMEEN LIMITED that is +14.9 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (12.4 %) and the same formula as our fair value.
How much growth has CREDITACCESS GRAMEEN LIMITED (CREDITACC) delivered so far?
Over the past 5 years revenue at CREDITACCESS GRAMEEN LIMITED grew +21.3 % a year. The price currently implies free-cash-flow growth of +14.9 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of CREDITACCESS GRAMEEN LIMITED (CREDITACC) growing?
The median revenue growth in the sector is +8.8 % a year. That is the yardstick for the growth priced into CREDITACCESS GRAMEEN LIMITED (+14.9 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of CREDITACCESS GRAMEEN LIMITED (CREDITACC)?
The free-cash-flow yield on the price is 15.31 %: that much free cash flow CREDITACCESS GRAMEEN LIMITED produces per unit of market value. When it exceeds the discount rate of our models (12.4 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of CREDITACCESS GRAMEEN LIMITED (CREDITACC)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For CREDITACCESS GRAMEEN LIMITED it is ₹630.73 per share (as of Nov 7, 2026), against a price of ₹1,102. It is the blended result of 13 valuation models in 7 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit).
Is CREDITACCESS GRAMEEN LIMITED stock overvalued or undervalued in 2026?
As of Nov 7, 2026, CREDITACC trades above its calculated fair value: price ₹1,102, fair value ₹630.73, a gap of about −43% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CREDITACC?
No. The price is what the market pays today (₹1,102); the fair value is what the company's own numbers justify (₹630.73). For CREDITACCESS GRAMEEN LIMITED the two are ₹470.77 per share apart. That gap is exactly why we show both numbers side by side.
How much is CREDITACCESS GRAMEEN LIMITED worth?
The market values CREDITACCESS GRAMEEN LIMITED at about ₹177B (market capitalisation, as of Nov 7, 2026). Per share that is ₹1,102; our models calculate a fair value of ₹630.73 per share.
What do the bullish and bearish scenarios say about CREDITACC?
Our models span a range for CREDITACCESS GRAMEEN LIMITED: cautious scenario ₹473.05, base ₹630.73, optimistic ₹1,280 per share (as of Nov 7, 2026, price ₹1,102). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CREDITACC?
CREDITACCESS GRAMEEN LIMITED trades at a price-to-earnings ratio of 11.2 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹630.73 is built from several models across several years. Median P/E at fiscal year-end, 8 fiscal years (2019 to 2026), reported earnings: 22.9. Other multiples: P/B 2.3, P/S 4.9, EV/EBITDA 36.7.
How solid is the balance sheet of CREDITACCESS GRAMEEN LIMITED (CREDITACC)?
Balance-sheet figures for CREDITACCESS GRAMEEN LIMITED (as of Nov 7, 2026): return on equity 19.7%, debt of 3.02 per unit of equity. They feed the Quality Score of 62/100, which measures business quality independently of the share price.
How far is CREDITACC from its 52-week high?
CREDITACCESS GRAMEEN LIMITED trades at ₹1,102, about 32% below its 52-week high of ₹1,614 and 10% above the low of ₹997.50 (as of Nov 9, 2026). Distance from the high says nothing about value: that is what the fair value of ₹630.73 is for.
Which stocks are comparable to CREDITACCESS GRAMEEN LIMITED?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is CREDITACCESS GRAMEEN LIMITED stock attractive at the current price?
The data as of Nov 7, 2026: price ₹1,102, calculated fair value ₹630.73 (−43%), Quality Score 62/100, from 13 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CREDITACC calculated?
We run CREDITACCESS GRAMEEN LIMITED through 13 models from 7 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit. Every model gets the same audited fundamentals; the fair value of ₹630.73 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 15.1% above its aggregate fair value. CREDITACCESS GRAMEEN LIMITED itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of CREDITACCESS GRAMEEN LIMITED (CREDITACC)?
The closing price on Nov 9, 2026 was ₹1,102. Our model-based fair value is ₹630.73, about 43% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with CREDITACCESS GRAMEEN LIMITED right now?
The model range is unusually wide (₹473.05 to ₹1,280). The outcome hinges heavily on assumptions, so read the point estimate with caution. Solid but not exceptional quality (62/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of CREDITACCESS GRAMEEN LIMITED (CREDITACC) come from?
Earnings per share at CREDITACCESS GRAMEEN LIMITED grew +25.9 % a year from 2015 to 2026. Broken into its drivers: revenue per share +24.2 %, EBIT margin +7.8 %, tax rate +1.7 %, residual (interest, one-offs) −7.5 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of CREDITACCESS GRAMEEN LIMITED
How large is the market capitalisation of CREDITACCESS GRAMEEN LIMITED (CREDITACC)?
The market capitalisation of CREDITACCESS GRAMEEN LIMITED is ₹177B (≈ $1.9B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of CREDITACCESS GRAMEEN LIMITED (CREDITACC)?
The price-to-sales ratio of CREDITACCESS GRAMEEN LIMITED is 4.94 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of CREDITACCESS GRAMEEN LIMITED (CREDITACC)?
Earnings per share at CREDITACCESS GRAMEEN LIMITED are ₹98.58 (price ÷ EPS = P/E 11.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of CREDITACCESS GRAMEEN LIMITED (CREDITACC)?
The dividend yield of CREDITACCESS GRAMEEN LIMITED is 1.0% (payout 11.1%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of CREDITACCESS GRAMEEN LIMITED (CREDITACC)?
The net margin of CREDITACCESS GRAMEEN LIMITED is 44.2% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of CREDITACCESS GRAMEEN LIMITED (CREDITACC)?
The return on equity (ROE) of CREDITACCESS GRAMEEN LIMITED is 19.7% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of CREDITACCESS GRAMEEN LIMITED (CREDITACC)?
On an EBIT basis the return on assets of CREDITACCESS GRAMEEN LIMITED is 7.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of CREDITACCESS GRAMEEN LIMITED (CREDITACC)?
The operating margin of CREDITACCESS GRAMEEN LIMITED is 63.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at CREDITACCESS GRAMEEN LIMITED (CREDITACC)?
Revenue at CREDITACCESS GRAMEEN LIMITED is growing +109% versus a year earlier (3y avg +22.2%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at CREDITACCESS GRAMEEN LIMITED (CREDITACC)?
Earnings per share at CREDITACCESS GRAMEEN LIMITED are growing +297% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does CREDITACCESS GRAMEEN LIMITED (CREDITACC) carry?
The net debt of CREDITACCESS GRAMEEN LIMITED is ₹225B (fiscal year 2026, ≈ 8.3 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Broad data
Nov 7, 2026