CreditAccess Grameen Ltd
NSE:CREDITACC
Income Statement
Earnings Waterfall
CreditAccess Grameen Ltd
Revenue
|
47B
INR
|
Cost of Revenue
|
-54.8m
INR
|
Gross Profit
|
46.9B
INR
|
Operating Expenses
|
-9.2B
INR
|
Operating Income
|
37.8B
INR
|
Other Expenses
|
-24.2B
INR
|
Net Income
|
13.5B
INR
|
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 | ||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue | |||||||||||||||||||||
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%
|
|
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)
|
|
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%
|
|
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)
|
|
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)
|
|
Depreciation & Amortization |
(77)
|
(95)
|
(135)
|
(166)
|
(204)
|
(278)
|
(329)
|
(382)
|
(441)
|
(447)
|
(453)
|
(464)
|
(472)
|
(479)
|
(488)
|
(498)
|
(498)
|
(500)
|
(494)
|
(499)
|
|
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)
|
|
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%
|
|
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)
|
|
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)
|
|
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
|
|
Total Other Income |
(23)
|
(96)
|
(51)
|
(57)
|
45
|
64
|
112
|
145
|
(8)
|
104
|
92
|
70
|
54
|
70
|
79
|
74
|
27
|
54
|
40
|
52
|
|
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%
|
|
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)
|
|
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
|
|
Income to Minority Interest |
0
|
0
|
0
|
0
|
(19)
|
(46)
|
(49)
|
(32)
|
26
|
74
|
117
|
128
|
0
|
21
|
(59)
|
(134)
|
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%
|
|
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%
|