CREDITACCESS GRAMEEN LIMITED (CREDITACC) - Net Assets
Based on the latest financial reports, CREDITACCESS GRAMEEN LIMITED (CREDITACC) has net assets worth Rs74.39 Billion INR (≈ $804.55 Million USD) as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (Rs285.94 Billion ≈ $3.09 Billion USD) and total liabilities (Rs211.54 Billion ≈ $2.29 Billion USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check CREDITACC financial resilience to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | Rs74.39 Billion |
| % of Total Assets | 26.02% |
| Annual Growth Rate | 41.22% |
| 5-Year Change | 83.23% |
| 10-Year Change | 1412.57% |
| Growth Volatility | 31.97 |
CREDITACCESS GRAMEEN LIMITED - Net Assets Trend (2013–2025)
This chart illustrates how CREDITACCESS GRAMEEN LIMITED's net assets have evolved over time, based on quarterly financial data. Also explore CREDITACC asset base for the complete picture of this company's asset base.
Annual Net Assets for CREDITACCESS GRAMEEN LIMITED (2013–2025)
The table below shows the annual net assets of CREDITACCESS GRAMEEN LIMITED from 2013 to 2025. For live valuation and market cap data, see CREDITACC company net worth.
| Year | Net Assets | Change |
|---|---|---|
| 2025-03-31 | Rs69.56 Billion ≈ $752.26 Million |
+5.88% |
| 2024-03-31 | Rs65.70 Billion ≈ $710.52 Million |
+28.65% |
| 2023-03-31 | Rs51.07 Billion ≈ $552.30 Million |
+25.29% |
| 2022-03-31 | Rs40.76 Billion ≈ $440.81 Million |
+7.37% |
| 2021-03-31 | Rs37.96 Billion ≈ $410.56 Million |
+33.53% |
| 2020-03-31 | Rs28.43 Billion ≈ $307.48 Million |
+20.22% |
| 2019-03-31 | Rs23.65 Billion ≈ $255.77 Million |
+65.63% |
| 2018-03-31 | Rs14.28 Billion ≈ $154.42 Million |
+106.70% |
| 2017-03-31 | Rs6.91 Billion ≈ $74.71 Million |
+50.21% |
| 2016-03-31 | Rs4.60 Billion ≈ $49.73 Million |
+22.18% |
| 2015-03-31 | Rs3.76 Billion ≈ $40.71 Million |
+81.59% |
| 2014-03-31 | Rs2.07 Billion ≈ $22.42 Million |
+87.43% |
| 2013-03-31 | Rs1.11 Billion ≈ $11.96 Million |
-- |
Equity Component Analysis
This analysis shows how different components contribute to CREDITACCESS GRAMEEN LIMITED's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 53016.6% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (March 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | Rs32.72 Billion | 47.04% |
| Common Stock | Rs1.60 Billion | 2.30% |
| Other Comprehensive Income | Rs10.03 Billion | 14.42% |
| Other Components | Rs25.21 Billion | 36.24% |
| Total Equity | Rs69.56 Billion | 100.00% |
CREDITACCESS GRAMEEN LIMITED Competitors by Market Cap
The table below lists competitors of CREDITACCESS GRAMEEN LIMITED ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
5N Plus Inc.
TO:VNP
|
$2.25 Billion |
|
Sarda Energy & Minerals Limited
NSE:SARDAEN
|
$2.25 Billion |
|
Shandong Iron and Steel Co Ltd
SHG:600022
|
$2.25 Billion |
|
Gansu Jingyuan Coal Industry and Electricity Power Co Ltd
SHE:000552
|
$2.26 Billion |
|
RBL Bank Limited
NSE:RBLBANK
|
$2.25 Billion |
|
BB Biotech AG
SW:BION
|
$2.25 Billion |
|
ePlus inc
NASDAQ:PLUS
|
$2.25 Billion |
|
Wuhan PS Information Tech
SHE:300184
|
$2.25 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in CREDITACCESS GRAMEEN LIMITED's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 65,699,800,000 to 69,559,700,000, a change of 3,859,900,000 (5.9%).
- Net income of 5,314,000,000 contributed positively to equity growth.
- Dividend payments of 1,594,400,000 reduced retained earnings.
- Share repurchases of 181,700,000 reduced equity.
- New share issuances of 181,700,000 increased equity.
- Other comprehensive income increased equity by 9,268,700,000.
- Other factors decreased equity by 9,128,400,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | Rs5.31 Billion | +7.64% |
| Dividends Paid | Rs1.59 Billion | -2.29% |
| Share Repurchases | Rs181.70 Million | -0.26% |
| Share Issuances | Rs181.70 Million | +0.26% |
| Other Comprehensive Income | Rs9.27 Billion | +13.32% |
| Other Changes | Rs-9.13 Billion | -13.12% |
| Total Change | Rs- | 5.88% |
Book Value vs Market Value Analysis
This analysis compares CREDITACCESS GRAMEEN LIMITED's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 2.99x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 39.51x to 2.99x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2013-03-31 | Rs32.91 | Rs1300.10 | x |
| 2014-03-31 | Rs39.11 | Rs1300.10 | x |
| 2015-03-31 | Rs36.58 | Rs1300.10 | x |
| 2016-03-31 | Rs44.69 | Rs1300.10 | x |
| 2017-03-31 | Rs85.00 | Rs1300.10 | x |
| 2018-03-31 | Rs138.76 | Rs1300.10 | x |
| 2019-03-31 | Rs170.13 | Rs1300.10 | x |
| 2020-03-31 | Rs188.57 | Rs1300.10 | x |
| 2021-03-31 | Rs245.22 | Rs1300.10 | x |
| 2022-03-31 | Rs250.13 | Rs1300.10 | x |
| 2023-03-31 | Rs320.34 | Rs1300.10 | x |
| 2024-03-31 | Rs410.80 | Rs1300.10 | x |
| 2025-03-31 | Rs435.11 | Rs1300.10 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently CREDITACCESS GRAMEEN LIMITED utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 7.64%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 9.59%
- • Asset Turnover: 0.20x
- • Equity Multiplier: 4.00x
- Recent ROE (7.64%) is below the historical average (12.01%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2013 | 7.16% | 9.55% | 0.15x | 4.91x | Rs-31.37 Million |
| 2014 | 8.02% | 12.24% | 0.13x | 5.10x | Rs-41.02 Million |
| 2015 | 12.95% | 18.86% | 0.15x | 4.59x | Rs110.92 Million |
| 2016 | 18.10% | 18.66% | 0.16x | 6.11x | Rs372.53 Million |
| 2017 | 10.89% | 10.83% | 0.20x | 5.16x | Rs61.75 Million |
| 2018 | 14.88% | 24.91% | 0.16x | 3.65x | Rs696.91 Million |
| 2019 | 13.60% | 26.53% | 0.16x | 3.11x | Rs852.54 Million |
| 2020 | 12.20% | 20.32% | 0.13x | 4.60x | Rs601.28 Million |
| 2021 | 3.63% | 5.86% | 0.15x | 4.08x | Rs-2.35 Billion |
| 2022 | 8.88% | 13.86% | 0.15x | 4.37x | Rs-446.95 Million |
| 2023 | 16.18% | 25.06% | 0.15x | 4.28x | Rs3.15 Billion |
| 2024 | 22.01% | 29.48% | 0.17x | 4.39x | Rs7.89 Billion |
| 2025 | 7.64% | 9.59% | 0.20x | 4.00x | Rs-1.64 Billion |
Industry Comparison
This section compares CREDITACCESS GRAMEEN LIMITED's net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $50,114,875,110
- Average return on equity (ROE) among peers: 9.91%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| CREDITACCESS GRAMEEN LIMITED (CREDITACC) | Rs74.39 Billion | 7.16% | 2.84x | $2.25 Billion |
| Akme Fintrade India Ltd (AFIL) | $2.23 Billion | 8.30% | 0.95x | $41.31 Million |
| Arman Financial Services Limited (ARMANFIN) | $392.47 Million | 15.69% | 2.49x | $169.77 Million |
| Baid Finserv Limited (BAIDFIN) | $108.03 Million | 5.96% | 2.17x | $19.08 Million |
| Bajaj Finance Limited (BAJFINANCE) | $369.18 Billion | 11.97% | 3.65x | $62.99 Billion |
| Capri Global Capital Limited (CGCL) | $8.29 Billion | 4.93% | 0.02x | $1.94 Billion |
| Cholamandalam Investment and Finance Company Limited (CHOLAFIN) | $62.09 Billion | 19.30% | 8.26x | $14.26 Billion |
| Cholamandalam Financial Holdings Limited (CHOLAHLDNG) | $8.02 Billion | 8.68% | 3.62x | $3.16 Billion |
| CSL Finance Limited (CSLFINANCE) | $1.14 Billion | 14.37% | 0.30x | $55.14 Million |
| DCM Financial Services Limited (DCMFINSERV) | $-421.69 Million | 0.00% | 0.00x | $1.13 Million |
About CREDITACCESS GRAMEEN LIMITED
CreditAccess Grameen Limited, a non-banking financial company, provides micro finance services for women from poor and low-income households in India. The company offers microcredit loans for income generation, home improvement, emergency, family welfare, and Grameen Unnati, as well as Grameen Suraksha, Grameen Sanchay, life insurance, and national pension schemes. It also provides retail finance… Read more