CREDITACC
CREDITACCESS GRAMEEN LIMITED
If management delivers what it guided
arithmetic on filed guidance and past valuations · not a price target
CREDITACC
FY26 → FY27 · 1 year of guidance · ~0.7 years from today₹1,593 today
BEAR
₹856
-46%
9.1% a year · 16.2x exit
BASE
₹1,368
-14%
15.8% a year · 24.4x exit
BULL
₹2,052
+29%
21.4% a year · 34.8x exit
Where the market has priced it
15x33x today73x
- this company's own median multiple sits 72% above its filed-industry peers; the scenario uses its own
How these numbers are produced
| Earnings base | FY26 fiscal year EPS ₹48.54 (screener) |
|---|---|
| Guided growth | 15.8% a year, said on the call of 29-Jul-2026 · transcript |
| Read across as | lender: ROE x retention (Gordon sustainable g) — medium confidence |
| Delivery calibration | 0.58x / 1x / 1.36x of what was guided — measured: 76 annual guided-vs-filed pairs + 77 near-complete quarterly years — NSE transcripts against the companies' own filings |
| Exit multiple | 16.17x / 24.35x / 34.81x, this company’s own p20 / median / p80 across 8 filed years |
| Filed-industry peers | median 14.12x across 36 peers — the cross-check, not the input |
| Arithmetic | base EPS × (1 + guided growth × delivery)1 × exit multiple |
Arithmetic on management’s own guidance and this company’s own past valuations. Not a price target, not a recommendation, and not a forecast of what the stock will do.
What management said
from NSE earnings-call filings · extracted, not interpreted
gnpa 2.18%roa 4%roe 16%credit cost 4%
Gross NPA stood at 2.18%, net NPA at 0.76% and PAR 90 at 1.46%, each showing sequential improvement.
Call 29-Jul-2026 · bridge confidence medium · transcript PDF