Credit Access Grameen Intrinsic Value
CREDITACC Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹402.00 | ₹321.60 - ₹482.40 | -70.0% | EPS: ₹31.48, Sector P/E: 12x |
| Book Value Method | asset | ₹347.80 | ₹313.02 - ₹382.58 | -74.0% | Book Value/Share: ₹434.75, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹402.00 | ₹361.80 - ₹442.20 | -70.0% | Revenue/Share: ₹377.25, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹673.17 | ₹605.85 - ₹740.49 | -49.8% | EBITDA: ₹2660.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹402.00 | ₹361.80 - ₹442.20 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹402.00 | ₹361.80 - ₹442.20 | -70.0% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹670.00 | ₹603.00 - ₹737.00 | -50.0% | ROE: 7.2%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹554.92 | ₹499.43 - ₹610.41 | -58.6% | EPS: ₹31.48, BVPS: ₹434.75 |
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Valuation Comparison Chart
CREDITACC Intrinsic Value Analysis
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 ₹402.00 (median value). With the current market price of ₹1340.00, this represents a -70.0% variance from our estimated fair value.
The valuation range spans from ₹347.80 to ₹673.17, indicating ₹347.80 - ₹673.17.
Is CREDITACC undervalued or overvalued?
Based on our multi-method analysis, Credit Access Grameen (CREDITACC) appears to be trading above calculated value by approximately 70.0%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.08 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Debt to Equity Ratio | 4.00 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 7.2% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 44.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.22x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for Credit Access Grameen
Additional stock information and data for CREDITACC
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| 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 |
| March 2021 | ₹-455 Cr | ₹-455 Cr | Negative Cash Flow | 3/10 |