CREDITACCESS GRAMEEN LIMITED (CREDITACC) — Financial Flexibility Index

Latest as of September 2025: 0.02x

CREDITACCESS GRAMEEN LIMITED (CREDITACC) has a Financial Flexibility Index of 0.02x as of September 2025. Free cash flow of Rs3.25 Billion (operating CF Rs3.16 Billion minus capex Rs84.10 Million) represents 0% of total liabilities (Rs205.15 Billion). Check CREDITACC capex plus investments ratio to assess the company's total reinvestment commitment from operating cash flow.

Financial Flexibility Index

0.02x
Free Cash Flow / Total Liabilities

Free Cash Flow

Rs3.25 Billion
Operating CF − Capex

Total Liabilities

Rs205.15 Billion
INR

Capital Expenditures

Rs84.10 Million
INR

CREDITACCESS GRAMEEN LIMITED Financial Flexibility Index (2013–2025)

Historical Financial Flexibility Index trend for CREDITACCESS GRAMEEN LIMITED across 13 annual periods. For the full cash flow conversion analysis, see CREDITACC cash flow conversion.

Annual Financial Flexibility Index for CREDITACCESS GRAMEEN LIMITED (2013–2025)

Year-by-year free cash flow to debt coverage for CREDITACCESS GRAMEEN LIMITED. Explore how well can CREDITACCESS GRAMEEN LIMITED service its debt to assess how comfortably operating cash covers total debt obligations.

Year Flexibility Index Free Cash Flow (INR) Operating CF Total Liabilities YoY Change
2025 0.06x Rs11.52 Billion Rs11.25 Billion Rs208.46 Billion ▲ +126.1%
2024 -0.21x Rs-47.22 Billion Rs-47.34 Billion Rs222.76 Billion ▼ -8.5%
2023 -0.20x Rs-32.72 Billion Rs-32.90 Billion Rs167.51 Billion ▲ +3.1%
2022 -0.20x Rs-26.86 Billion Rs-27.14 Billion Rs133.19 Billion ▼ -416.2%
2021 -0.04x Rs-4.40 Billion Rs-4.55 Billion Rs112.63 Billion ▲ +82.7%
2020 -0.23x Rs-22.07 Billion Rs-22.28 Billion Rs97.46 Billion ▲ +16.9%
2019 -0.27x Rs-13.60 Billion Rs-13.78 Billion Rs49.92 Billion ▲ +40.4%
2018 -0.46x Rs-17.32 Billion Rs-17.39 Billion Rs37.90 Billion ▼ -215.4%
2017 -0.14x Rs-4.16 Billion Rs-4.25 Billion Rs28.73 Billion ▲ +63.2%
2016 -0.39x Rs-9.23 Billion Rs-9.31 Billion Rs23.48 Billion ▲ +23.4%
2015 -0.51x Rs-6.93 Billion Rs-6.98 Billion Rs13.50 Billion ▼ -61.6%
2014 -0.32x Rs-2.70 Billion Rs-2.71 Billion Rs8.51 Billion ▼ -2.4%
2013 -0.31x Rs-1.34 Billion Rs-1.35 Billion Rs4.33 Billion —
Financial Flexibility Index = (Operating CF − Capex) / Total Liabilities = Free Cash Flow / Total Liabilities