Credit Access Grameen Intrinsic Value
Credit Access Grameen intrinsic value. Credit Access Grameen (CREDITACC) median intrinsic value is ₹967.04 from 8 valuation models (range ₹392–₹1190), vs current price ₹1088.50 — -11.2% downside (Trading Above Median Value), margin of safety -12.6%. Compare with Credit Access Grameen valuation methods to assess whether the stock is under or overvalued.
CREDITACC Valuation Methods Summary — DCF, Graham Number & P/E
Credit Access Grameen intrinsic value across 8 models vs current price ₹1088.50 — upside/downside and value range per method. For current market price and key ratios, visit Credit Access Grameen share price today.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹1017.60 | ₹814.08 - ₹1221.12 | -6.5% | EPS: ₹84.80, Sector P/E: 12x |
| Book Value Method | asset | ₹392.10 | ₹352.89 - ₹431.31 | -64.0% | Book Value/Share: ₹490.12, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹399.75 | ₹359.78 - ₹439.73 | -63.3% | Revenue/Share: ₹399.75, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹1173.75 | ₹1056.38 - ₹1291.12 | +7.8% | EBITDA: ₹3756.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹542.72 | ₹488.45 - ₹596.99 | -50.1% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹698.75 | ₹628.88 - ₹768.63 | -35.8% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹1190.00 | ₹1071.00 - ₹1309.00 | +9.3% | ROE: 17.3%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹967.04 | ₹870.34 - ₹1063.74 | -11.2% | EPS: ₹84.80, BVPS: ₹490.12 |
CREDITACC Intrinsic Value vs Market Price — All Valuation Models
Credit Access Grameen fair value range ₹392–₹1190 vs current market price ₹1088.50 across 8 valuation models. Read CREDITACC ex-dividend dates for the complete payout history and dividend yield track record.
CREDITACC Intrinsic Value Analysis — Undervalued or Overvalued?
Credit Access Grameen median intrinsic value ₹967.04, current price ₹1088.50 — Trading Above Median Value by 11.2%, margin of safety -12.6%.
What is the intrinsic value of CREDITACC?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of Credit Access Grameen (CREDITACC) is ₹967.04 (median value). With the current market price of ₹1088.50, this represents a -11.2% variance from our estimated fair value.
The valuation range spans from ₹392.10 to ₹1190.00, indicating ₹392.10 - ₹1190.00.
Is CREDITACC undervalued or overvalued?
Based on our multi-method analysis, Credit Access Grameen (CREDITACC) appears to be trading above median value by approximately 11.2%.
CREDITACC Financial Health — Key Ratios vs Industry Benchmarks
Credit Access Grameen financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Return on Equity | 17.3% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 59.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.20x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
CREDITACC Cash Flow Quality — Operating & Free Cash Flow
Credit Access Grameen operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2026 | ₹-2,770 Cr | ₹-2,821 Cr | Negative Cash Flow | 3/10 |
| March 2025 | ₹1,125 Cr | ₹1,125 Cr | Positive Free Cash Flow | 8/10 |
| March 2024 | ₹-4,734 Cr | ₹-5,231 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹-3,290 Cr | ₹-3,447 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹-2,714 Cr | ₹-2,731 Cr | Negative Cash Flow | 3/10 |