CreditAccess Grameen Ltd
NSE:CREDITACC
Decide at what price you'd be comfortable buying and we'll help you stay ready.
|
CreditAccess Grameen Ltd
NSE:CREDITACC
|
IN |
|
Better Collective A/S
STO:BETCO
|
DK |
Income Statement
Earnings Waterfall
CreditAccess Grameen Ltd
Income Statement
CreditAccess Grameen Ltd
| Mar-2019 | Jun-2019 | Sep-2019 | Dec-2019 | Mar-2020 | Jun-2020 | Sep-2020 | Dec-2020 | Mar-2021 | Jun-2021 | Sep-2021 | Dec-2021 | Mar-2022 | Jun-2022 | Sep-2022 | Dec-2022 | Mar-2023 | Jun-2023 | Sep-2023 | Dec-2023 | Mar-2024 | Jun-2024 | Sep-2024 | Dec-2024 | Mar-2025 | Jun-2025 | Sep-2025 | Dec-2025 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | |||||||||||||||||||||||||||||
| Interest Expense |
4 124
|
2 194
|
2 522
|
3 976
|
5 779
|
6 889
|
0
|
0
|
9 226
|
0
|
0
|
0
|
9 823
|
0
|
0
|
0
|
12 099
|
0
|
0
|
0
|
17 264
|
0
|
0
|
0
|
19 470
|
0
|
0
|
0
|
|
| Revenue |
12 813
N/A
|
13 728
+7%
|
14 546
+6%
|
15 575
+7%
|
16 989
+9%
|
19 417
+14%
|
21 247
+9%
|
22 112
+4%
|
24 607
+11%
|
24 532
0%
|
24 960
+2%
|
26 448
+6%
|
26 687
+1%
|
28 698
+8%
|
30 325
+6%
|
32 320
+7%
|
34 870
+8%
|
38 667
+11%
|
43 128
+12%
|
46 971
+9%
|
51 190
+9%
|
54 195
+6%
|
56 264
+4%
|
57 179
+2%
|
57 233
+0%
|
56 272
-2%
|
56 778
+1%
|
57 851
+2%
|
|
| Gross Profit | |||||||||||||||||||||||||||||
| Cost of Revenue |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
(30)
|
(31)
|
(34)
|
(35)
|
(30)
|
(30)
|
(26)
|
(25)
|
(18)
|
(34)
|
(51)
|
(55)
|
(39)
|
(25)
|
(8)
|
(11)
|
(11)
|
(19)
|
(23)
|
(22)
|
|
| Gross Profit |
0
N/A
|
0
N/A
|
0
N/A
|
0
N/A
|
0
N/A
|
0
N/A
|
0
N/A
|
0
N/A
|
24 577
N/A
|
13 370
-46%
|
19 540
+46%
|
26 413
+35%
|
26 657
+1%
|
28 668
+8%
|
30 299
+6%
|
32 295
+7%
|
34 852
+8%
|
38 634
+11%
|
43 077
+12%
|
46 916
+9%
|
51 151
+9%
|
54 171
+6%
|
56 256
+4%
|
57 168
+2%
|
57 222
+0%
|
56 253
-2%
|
56 755
+1%
|
57 829
+2%
|
|
| Operating Income | |||||||||||||||||||||||||||||
| Operating Expenses |
(2 939)
|
(3 213)
|
(3 510)
|
(3 814)
|
(4 266)
|
(4 688)
|
(5 099)
|
(5 507)
|
(5 826)
|
(6 025)
|
(6 299)
|
(6 591)
|
(6 114)
|
(7 145)
|
(7 359)
|
(7 584)
|
(7 716)
|
(8 194)
|
(8 747)
|
(9 159)
|
(9 977)
|
(10 539)
|
(10 961)
|
(11 337)
|
(11 401)
|
(11 747)
|
(12 027)
|
(12 628)
|
|
| Selling, General & Administrative |
(2 785)
|
(2 042)
|
(2 230)
|
(2 415)
|
(3 967)
|
(3 006)
|
(3 273)
|
(3 549)
|
(5 282)
|
(3 834)
|
(4 032)
|
(4 211)
|
(5 539)
|
(4 506)
|
(4 539)
|
(4 517)
|
(7 059)
|
(4 879)
|
(5 227)
|
(5 579)
|
(9 411)
|
(6 571)
|
(6 887)
|
(7 161)
|
(10 732)
|
(7 346)
|
(7 560)
|
(7 972)
|
|
| Depreciation & Amortization |
(77)
|
(95)
|
(135)
|
(166)
|
(204)
|
(278)
|
(329)
|
(382)
|
(441)
|
(447)
|
(453)
|
(464)
|
(472)
|
(479)
|
(488)
|
(498)
|
(498)
|
(500)
|
(494)
|
(499)
|
(512)
|
(534)
|
(584)
|
(608)
|
(622)
|
(631)
|
(617)
|
(626)
|
|
| Other Operating Expenses |
(78)
|
(1 076)
|
(1 144)
|
(1 233)
|
(96)
|
(1 404)
|
(1 498)
|
(1 576)
|
(103)
|
(1 745)
|
(1 813)
|
(1 915)
|
(103)
|
(2 161)
|
(2 332)
|
(2 569)
|
(159)
|
(2 815)
|
(3 026)
|
(3 081)
|
(54)
|
(3 434)
|
(3 491)
|
(3 569)
|
(47)
|
(3 770)
|
(3 850)
|
(4 031)
|
|
| Operating Income |
9 874
N/A
|
10 516
+6%
|
11 037
+5%
|
11 761
+7%
|
12 723
+8%
|
14 729
+16%
|
16 148
+10%
|
16 605
+3%
|
18 752
+13%
|
18 476
-1%
|
18 627
+1%
|
19 823
+6%
|
20 544
+4%
|
21 523
+5%
|
22 940
+7%
|
24 710
+8%
|
27 137
+10%
|
30 440
+12%
|
34 330
+13%
|
37 757
+10%
|
41 174
+9%
|
43 631
+6%
|
45 295
+4%
|
45 830
+1%
|
45 821
0%
|
44 506
-3%
|
44 728
+1%
|
45 200
+1%
|
|
| Pre-Tax Income | |||||||||||||||||||||||||||||
| Interest Income Expense |
(4 124)
|
(4 320)
|
(4 648)
|
(5 000)
|
(5 779)
|
(6 889)
|
(7 933)
|
(8 728)
|
(9 226)
|
(9 454)
|
(9 374)
|
(9 516)
|
(9 823)
|
(10 085)
|
(10 355)
|
(11 061)
|
(12 099)
|
(12 890)
|
(14 482)
|
(15 699)
|
(17 264)
|
(18 125)
|
(18 693)
|
(19 002)
|
(19 470)
|
(18 725)
|
(18 722)
|
(18 611)
|
|
| Non-Reccuring Items |
(749)
|
(765)
|
(874)
|
(1 318)
|
(2 373)
|
(3 765)
|
(4 390)
|
(6 599)
|
(7 714)
|
(8 041)
|
(8 539)
|
(6 962)
|
(5 967)
|
(5 098)
|
(4 752)
|
(4 467)
|
(4 010)
|
(3 765)
|
(3 670)
|
(4 038)
|
(4 518)
|
(5 500)
|
(8 743)
|
(14 999)
|
(19 295)
|
(23 268)
|
(24 323)
|
(20 230)
|
|
| Gain/Loss on Disposition of Assets |
(1)
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| Total Other Income |
(23)
|
(96)
|
(51)
|
(57)
|
45
|
64
|
112
|
145
|
(8)
|
104
|
92
|
70
|
54
|
70
|
79
|
74
|
27
|
54
|
40
|
52
|
(0)
|
58
|
58
|
43
|
33
|
40
|
40
|
34
|
|
| Pre-Tax Income |
4 977
N/A
|
5 335
+7%
|
5 465
+2%
|
5 387
-1%
|
4 616
-14%
|
4 139
-10%
|
3 936
-5%
|
1 424
-64%
|
1 804
+27%
|
1 085
-40%
|
806
-26%
|
3 415
+324%
|
4 808
+41%
|
6 410
+33%
|
7 912
+23%
|
9 257
+17%
|
11 054
+19%
|
13 840
+25%
|
16 218
+17%
|
18 073
+11%
|
19 392
+7%
|
20 066
+3%
|
17 918
-11%
|
11 873
-34%
|
7 089
-40%
|
2 553
-64%
|
1 724
-32%
|
6 393
+271%
|
|
| Net Income | |||||||||||||||||||||||||||||
| Tax Provision |
(1 760)
|
(1 882)
|
(1 737)
|
(1 577)
|
(1 261)
|
(997)
|
(1 007)
|
(365)
|
(490)
|
(314)
|
(234)
|
(883)
|
(1 277)
|
(1 647)
|
(1 984)
|
(2 331)
|
(2 794)
|
(3 490)
|
(4 159)
|
(4 649)
|
(4 933)
|
(5 114)
|
(4 576)
|
(3 060)
|
(1 775)
|
(613)
|
(387)
|
(1 540)
|
|
| Income from Continuing Operations |
3 218
|
3 454
|
3 728
|
3 810
|
3 355
|
3 143
|
2 930
|
1 059
|
1 314
|
771
|
572
|
2 532
|
3 531
|
4 763
|
5 928
|
6 926
|
8 261
|
10 350
|
12 059
|
13 424
|
14 459
|
14 951
|
13 342
|
8 813
|
5 314
|
1 939
|
1 337
|
4 853
|
|
| Income to Minority Interest |
0
|
0
|
0
|
0
|
(19)
|
(46)
|
(49)
|
(32)
|
26
|
74
|
117
|
128
|
0
|
21
|
(59)
|
(134)
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| Net Income (Common) |
3 218
N/A
|
3 454
+7%
|
3 728
+8%
|
3 810
+2%
|
3 336
-12%
|
3 097
-7%
|
2 880
-7%
|
1 028
-64%
|
1 340
+30%
|
845
-37%
|
689
-19%
|
2 660
+286%
|
3 531
+33%
|
4 784
+36%
|
5 869
+23%
|
6 792
+16%
|
8 261
+22%
|
10 366
+25%
|
12 116
+17%
|
13 528
+12%
|
14 459
+7%
|
14 951
+3%
|
13 342
-11%
|
8 813
-34%
|
5 314
-40%
|
1 939
-64%
|
1 337
-31%
|
4 853
+263%
|
|
| EPS (Diluted) |
23.15
N/A
|
23.81
+3%
|
25.74
+8%
|
26.25
+2%
|
23
-12%
|
21.36
-7%
|
19.86
-7%
|
6.8
-66%
|
8.9
+31%
|
5.41
-39%
|
4.41
-18%
|
17.06
+287%
|
22.2
+30%
|
30.53
+38%
|
37.42
+23%
|
43.31
+16%
|
51.82
+20%
|
64.85
+25%
|
75.72
+17%
|
84.42
+11%
|
90.41
+7%
|
93.31
+3%
|
83.24
-11%
|
55.25
-34%
|
33.24
-40%
|
12.11
-64%
|
8.31
-31%
|
30.18
+263%
|
|