Credit Access Grameen Complete Financial Statements
In FY2026, Credit Access Grameen (CREDITACC) reported revenue ₹1,599 Cr, net profit ₹340 Cr and EPS ₹21.20, with a net profit margin of 21.3% and ROE of 4.3%. Full financial statements from FY2019 to FY2026 (8 years) — income statement, balance sheet and cash flow in ₹ Crores. Download as Excel or CSV. For live price, earnings ratios and company overview, see CREDITACC share price screener.
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Profitability Ratios
Balance Sheet Ratios
CREDITACC Revenue, Net Profit & EBITDA — Year-on-Year Growth
CREDITACC YoY (Mar 2025 vs Mar 2026) — revenue +13.6%, net profit +623.4%, EBITDA +72.6%, expenses -23.6%. Explore CREDITACC true value to estimate fundamental worth using multiple valuation models.
CREDITACC Income Statement — Revenue, EBITDA & Net Profit
Credit Access Grameen revenue ₹1,599 Cr, EBITDA ₹939 Cr, net profit ₹340 Cr, EPS ₹21.20 (2026) — net profit margin 21.3%. Review CREDITACC earnings valuation to evaluate earnings-based valuation against sector peers.
| Particulars | Mar 2026 | Sept 2025 | Mar 2025 | Jun 2025 | Dec 2025 | Sept 2024 | Mar 2024 | Jun 2024 | Dec 2024 | Sept 2023 | Mar 2023 | Jun 2023 | Dec 2023 | Sept 2022 | Mar 2022 | Jun 2022 | Dec 2022 | Sept 2021 | Mar 2021 | Jun 2021 | Dec 2021 | Sept 2020 | Mar 2020 | Jun 2020 | Dec 2020 | Sept 2019 | Mar 2019 | Jun 2019 | Dec 2019 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,599 | 1,509 | 1,408 | 1,464 | 1,491 | 1,454 | 1,459 | 1,513 | 1,382 | 1,248 | 1,066 | 1,171 | 1,295 | 814 | 825 | 761 | 910 | 619 | 726 | 617 | 690 | 577 | 476 | 620 | 543 | 393 | 336 | 377 | 452 |
| Expenses | 660 | 845 | 864 | 885 | 678 | 700 | 434 | 453 | 1,021 | 345 | 311 | 306 | 365 | 299 | 327 | 280 | 293 | 299 | 399 | 328 | 283 | 223 | 262 | 277 | 414 | 124 | 114 | 102 | 157 |
| EBITDA | 939 | 665 | 544 | 579 | 814 | 754 | 1,025 | 1,059 | 362 | 903 | 756 | 864 | 930 | 515 | 497 | 481 | 617 | 319 | 328 | 289 | 406 | 354 | 215 | 343 | 129 | 269 | 222 | 275 | 296 |
| Operating Profit Margin % | 59.00% | 44.00% | 39.00% | 39.00% | 55.00% | 52.00% | 70.00% | 70.00% | 26.00% | 72.00% | 71.00% | 74.00% | 72.00% | 63.00% | 60.00% | 63.00% | 68.00% | 52.00% | 45.00% | 47.00% | 59.00% | 61.00% | 45.00% | 55.00% | 24.00% | 68.00% | 66.00% | 73.00% | 65.00% |
| Depreciation | 16 | 16 | 15 | 15 | 16 | 17 | 14 | 14 | 16 | 12 | 13 | 12 | 13 | 13 | 13 | 12 | 13 | 12 | 12 | 11 | 12 | 11 | 6 | 11 | 11 | 6 | 2 | 3 | 5 |
| Interest | 478 | 480 | 478 | 482 | 459 | 485 | 482 | 510 | 475 | 424 | 346 | 385 | 442 | 273 | 267 | 280 | 314 | 229 | 237 | 249 | 239 | 236 | 174 | 231 | 224 | 136 | 103 | 124 | 146 |
| Profit Before Tax | 445 | 169 | 51 | 81 | 338 | 252 | 530 | 535 | -129 | 467 | 398 | 467 | 476 | 229 | 218 | 189 | 290 | 79 | 79 | 29 | 156 | 107 | 41 | 101 | -105 | 127 | 118 | 148 | 146 |
| Tax | 106 | 43 | 4 | 21 | 86 | 66 | 132 | 137 | -29 | 120 | 101 | 119 | 122 | 54 | 58 | 50 | 73 | 19 | 22 | 8 | 39 | 27 | 10 | 26 | -26 | 26 | 41 | 52 | 38 |
| Net Profit | 340 | 126 | 47 | 60 | 252 | 186 | 397 | 398 | -100 | 347 | 297 | 349 | 353 | 175 | 160 | 139 | 217 | 60 | 56 | 20 | 117 | 80 | 31 | 75 | -79 | 101 | 76 | 96 | 108 |
| Earnings Per Share (₹) | 21.20 | 7.87 | 2.96 | 3.77 | 15.76 | 11.67 | 24.93 | 24.95 | -6.24 | 21.82 | 18.67 | 21.93 | 22.20 | 11.04 | 10.08 | 8.74 | 13.59 | 4.08 | 3.62 | 1.45 | 7.69 | 5.50 | 2.00 | 5.00 | -5.12 | 7.02 | 5.77 | 6.67 | 7.51 |
CREDITACC Balance Sheet — Assets, Liabilities & Shareholders' Equity
CREDITACC total assets ₹31,930 Cr, total equity ₹7,842 Cr, total liabilities ₹ Cr (2026) — ROE 4.3%.
| Particulars | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| ASSETS | ||||||||
| Total Assets | 31,930 | 27,802 | 28,871 | 21,858 | 17,482 | 15,060 | 12,590 | 7,357 |
| Current Assets | 2,017 | 1,673 | 1,576 | 1,676 | 1,929 | 2,662 | 809 | 684 |
| Fixed Assets | 588 | 604 | 609 | 599 | 629 | 573 | 577 | 25 |
| Capital Work in Progress | 0 | 4 | 5 | 4 | 3 | 1 | 3 | 2 |
| Investments | 1,075 | 893 | 1,439 | 455 | 1 | 1 | 46 | 0 |
| Other Assets | 30,267 | 26,302 | 26,818 | 20,801 | 16,849 | 14,486 | 11,965 | 7,330 |
| LIABILITIES | ||||||||
| Total Liabilities | ||||||||
| Current Liabilities | 23,533 | 20,446 | 21,841 | 16,312 | 12,921 | 10,941 | 9,540 | 4,708 |
| Non-Current Liabilities | ||||||||
| SHAREHOLDERS' EQUITY | ||||||||
| Total Equity | 7,842 | 6,956 | 6,570 | 5,107 | 4,167 | 3,796 | 2,843 | 2,365 |
| Share Capital | 160 | 160 | 159 | 159 | 156 | 156 | 144 | 144 |
| Reserves & Surplus | 7,682 | 6,796 | 6,411 | 4,948 | 4,011 | 3,536 | 2,590 | 2,222 |
CREDITACC Cash Flow Statement — Operating, Investing & Financing
Credit Access Grameen operating cash flow ₹-2,770 Cr, investing ₹-101 Cr, financing ₹2,751 Cr, net cash flow ₹-120 Cr (2026).
| Particulars | March 2026 | March 2025 | March 2024 | March 2023 | March 2022 | March 2021 | March 2020 | March 2019 |
|---|---|---|---|---|---|---|---|---|
| Operating Activities | -2,770 | 1,125 | -4,734 | -3,290 | -2,714 | -455 | -2,229 | -1,378 |
| Investing Activities | -101 | 708 | -994 | -314 | -33 | 24 | -638 | -7 |
| Financing Activities | 2,751 | -1,669 | 5,494 | 3,365 | 1,967 | 2,146 | 2,921 | 1,829 |
| Net Cash Flow | -120 | 164 | -234 | -239 | -780 | 1,715 | 54 | 444 |