CreditAccess Grameen Ltd
NSE:CREDITACC
Intrinsic Value
CreditAccess Grameen Ltd. engages in the provision of micro finance services. [ Read More ]
The intrinsic value of one
CREDITACC
stock under the Base Case scenario is
1 529.11
INR.
Compared to the current market price of 1 485.65 INR,
CreditAccess Grameen Ltd
is
Undervalued by 3%.
CreditAccess Grameen Ltd's market capitalization is 236.4B INR.
CREDITACC stock price is 1 485.65 INR.
CREDITACC stock price (1485.65 INR) is 3% less than its Intrinsic Value (1 529.11 INR).
CREDITACC stock (645.13 INR) is 57% less than its price (1485.65 INR). Open DCF Valuation
CREDITACC stock price (1485.65 INR) is 38% less than its Relative Value (2 413.08 INR). Open Relative Valuation
CREDITACC has upside potential of 25% compared to the average analyst price target.
Open Wall St Estimates
CREDITACC's ROIC (Return on Invested Capital) has increased in the last 3 years from 11% to 15%.
CREDITACC's ROIC (Return on Invested Capital) for the past 12 months is positive and is equal to 15%.
CREDITACC has positive three-year average ROIC (Return on Invested Capital): 12%. The company is efficient at using invested capital to generate operating income.
CREDITACC has positive three-year average ROE (Return on Equity): 13%. The company is efficient at transforming stockholders' equity into net income.
CREDITACC has positive Net Income for the last twelve months.
CREDITACC's long-term assets (240B INR) exceed its long-term liabilties (182B INR).
CREDITACC's Revenue is forecast to grow at a rate of 13% per year over the next 3 years.
CREDITACC's ROE (Return on Equity) for the past 12 months is very high and is equal to 27%.
CREDITACC's Revenue has grown by an exceptional 45% over the past 12 months.
CREDITACC's ROE (Return on Equity) has significantly increased in the last 3 years from 4% to 27%.
CREDITACC's Revenue has been growing by an exceptional 29% per year for the last 3 years.
CREDITACC's Altman Z-Score is equal to 1.87.
CREDITACC has positive Operating Income for the last twelve months.
CREDITACC has positive Gross Profit for the last twelve months.
CREDITACC's D/E (Debt to Equity) is very high and is equal to 3.05.
CREDITACC has negative Free Cash Flow for the last twelve months.
CREDITACC has positive Net Debt. This means that the company has more debt (177B INR) than cash and short-term investments (14B INR).
CREDITACC's short-term assets (14B INR) exceed its short-term liabilties (3B INR).
Valuation Backtest
CreditAccess Grameen Ltd
Run backtest to discover the historical profit from buying and selling
CREDITACC
stocks based on their intrinsic value.
Analyze the historical link between intrinsic value and market price to make more informed investment decisions.
Fundamental Analysis
CreditAccess Grameen Ltd
Balance Sheet Decomposition
CreditAccess Grameen Ltd
| Current Assets | 14.1B |
| Cash & Short-Term Investments | 14.1B |
| Non-Current Assets | 225.5B |
| Long-Term Investments | 7.4B |
| PP&E | 1B |
| Intangibles | 5B |
| Other Non-Current Assets | 212.1B |
| Current Liabilities | 3.4B |
| Accounts Payable | 600.3m |
| Other Current Liabilities | 2.8B |
| Non-Current Liabilities | 178.2B |
| Long-Term Debt | 176.7B |
| Other Non-Current Liabilities | 1.5B |
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
|
Free Cash Flow Analysis
CreditAccess Grameen Ltd
CREDITACC Profitability Score
Profitability Due Diligence
CreditAccess Grameen Ltd's profitability score is 61/100. The higher the profitability score, the more profitable the company is.
Score
CreditAccess Grameen Ltd's profitability score is 61/100. The higher the profitability score, the more profitable the company is.
CREDITACC Solvency Score
Solvency Due Diligence
CreditAccess Grameen Ltd's solvency score is 45/100. The higher the solvency score, the more solvent the company is.
Score
CreditAccess Grameen Ltd's solvency score is 45/100. The higher the solvency score, the more solvent the company is.
Wall St
Price Targets
CREDITACC Price Targets Summary
CreditAccess Grameen Ltd
According to Wall Street analysts, the average 1-year price target for
CREDITACC
is 1 857.68 INR
with a low forecast of 919.1 INR and a high forecast of 2 192.4 INR.
Shareholder Return
CREDITACC Price
CreditAccess Grameen Ltd
| Average Annual Return | 20.27% |
| Standard Deviation of Annual Returns | 37.01% |
| Max Drawdown | -68% |
| Market Capitalization | 237.8B INR |
| Shares Outstanding | 160 244 900 |
| Percentage of Shares Shorted |
N/A
|
Company Profile
CreditAccess Grameen Ltd
Country
Industry
Market Cap
Dividend Yield
Description
CreditAccess Grameen Ltd. engages in the provision of micro finance services. The company is headquartered in Bangalore, Karnataka and currently employs 15,667 full-time employees. The company went IPO on 2018-08-23. The firm offers microfinance services. The firm is focused on providing financial support to women from low-income households and to rural poor. The company offers collateral free loans to women from low-income households. Its products include group lending, retail finance and distributor products. Its group lending includes income generation loan, home improvement loans, family welfare loan and emergency loans. Its retail finance includes Grameen Udyog Loan, Grameen Vikas Loan, Grameen Savaari Loan and Grameen Suvidha Loan. Its distributor product includes Life insurance and National Pension Scheme- Swavalamban. The company offers home improvement loans to help customers with water connections, toilet construction, or for home extension projects, such as repairs or replacement of roof, walls, floors, and monsoon waterproofing.
Contact
IPO
Employees
Officers
The intrinsic value of one
CREDITACC
stock under the Base Case scenario is
1 529.11
INR.
Compared to the current market price of 1 485.65 INR,
CreditAccess Grameen Ltd
is
Undervalued by 3%.
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