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CreditAccess Grameen Ltd

NSE:CREDITACCFinancial ServicesNSE:CNX500NSE:CNXSMALLCAP

₹1,226.50−0.54%At closeAt close · Mon 19 Oct · ≈ AED 47.39 · Market cap $2.08B · Next earnings Thu 22 Oct

Ratio	FY2021	FY2022	FY2023	FY2024	FY2025	FY2026	Current · undated	YoY
Gross margin	51.1%	53.3%	54.2%	57.2%	56.9%	66.3%	—	—
Operating margin	45.7%	44.6%	42.9%	48.0%	47.5%	46.7%	46.7%	+0.0 pts
Net margin	5.9%	13.9%	25.1%	29.5%	9.6%	12.9%	12.9%	+0.0 pts
EBITDA margin	16.4%	28.1%	39.9%	45.0%	17.5%	18.2%	—	—
Return on equity	3.6%	8.5%	16.2%	22.0%	7.6%	9.9%	9.9%	+0.0 pts
Return on assets	0.9%	2.0%	3.8%	5.0%	1.9%	2.4%	2.4%	+0.0 pts
Return on capital employed	12.1%	11.4%	27.4%	12.6%	15.4%	15.0%	—	—
Debt / equity	3.0×	3.1×	3.2×	3.3×	3.0×	3.0×	3.0×	+0.0%
Debt / assets	73.2%	74.8%	74.6%	75.7%	73.9%	74.0%	—	—
Interest coverage	6.9×	6.1×	8.9×	10.8×	13.3×	0.0×	—	—
Current ratio	1.5×	1.4×	1.3×	1.8×	1.6×	0.1×	0.1×	+0.0%
Quick ratio	0.4×	0.2×	0.1×	1.8×	1.6×	0.1×	—	—
Cash ratio	0.4×	0.2×	0.1×	0.1×	0.1×	0.1×	0.1×	+0.0%
Asset turnover	0.2×	0.1×	0.2×	0.2×	0.2×	0.2×	—	—
Inventory turnover	0.2×	0.1×	0.1×	—	—	—	—	—
Receivables turnover	20.1×	27.1×	27.7×	62.4×	236.7×	181.7×	—	—
Dividend payout	0.0%	0.0%	0.0%	0.0%	30.0%	0.0%	—	—