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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
History
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
CreditAccess Grameen Limited is a microfinance company, which offers women entrepreneurs loans for various needs such as income generation, medical expenses, and education. It has a presence in approximately 16 states and one union territory of India, through 2,114 branches…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A high-quality, stagnant business, reasonably priced — carrying meaningful debt.
Creditaccess Grameen is scored on the nbfc / financials framework. It keeps a healthy 12.8% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 20%/yr and profit at -2%/yr. Book value itself has compounded 15%/yr — the hallmark of a genuine compounder. Return on equity is a healthy 17.8%. In the latest quarter profit grew 2% versus the prior quarter.
At 22× earnings, the stock sits at the 32nd percentile of its own 3.6-year range — the middle of where it has historically traded. Today's price asks for only ~1%/yr growth over a decade — undemanding expectations. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 10.98 | 11.61 | better |
| P/B | 1.95 | 1.4 | worse |
| EV/EBITDA | 9.77 | 13.86 | better |
| ROE | 17.79 | — | — |
| ROCE | 12.19 | — | — |
| ROA | 4.61 | — | — |
| Quick Ratio | 3.63 | — | — |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| Bajaj Finance | 30.6 | 5.5 | 17.6% |
| Bajaj Finserv | 13.6 | 3.5 | 12.7% |
| Shriram Finance | 17.8 | 2.0 | 11.4% |
Not applicable for this sector.
Revenue has grown every year across all 4 financial years shown. 20% CAGR over 3 years — steady double-digit compounder. Growth is decelerating — latest year grew slower than the year before.
Revenue is outpacing profit (20% vs -2%) — costs are rising faster than the top line. The latest year saw a +46% swing — check if it's a one-off or structural.
Operating margin has compressed from 31% to 17% — costs or competition are eating into profitability. Interest or tax burden is shrinking — more of the operating profit is reaching the bottom line.
ROE at 10% — modest; the capital isn't working hard. Capital efficiency declining — ROE down 6pp.
-2% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
3 of 4 years had negative operating cash flow — profitability on paper may not translate to cash.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue rose 7% sequentially — momentum is building. Run-rate stepping up — recent quarters average 19% above earlier ones.
Quarterly net margins are expanding (17% → 26%) — profitability per rupee of revenue is improving.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoter holding at 63.8% — majority control intact. Promoters reduced 2.5pp over 4 quarters — watch whether this is planned divestment or pledge invocations. FIIs have accumulated for 3 straight quarters — sustained foreign institutional conviction. Both FII and MF added last quarter — broad institutional confidence.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.