CreditAccess Grameen - Public Comps and Valuation Multiples

CreditAccess Grameen Overview

About CreditAccess Grameen

CreditAccess Grameen Ltd provides financial and non-financial products and services. The company is engaged in providing microfinance services to women who are enrolled as members and organized as Joint Liability Groups. The only operating segment of the company is lending to members. Geographically, it operates only in India. The company's financial product includes Income generation loans, Home improvement loans, Emergency loans, Family welfare loans, Gruha Vikas loans, Grameen Swarna loans, Grameen Vikas loans, Life insurance, and others.

Founded

1991

HQ

Employees

21.0K+

Website

creditaccessgrameen.in

Sectors

Lending Solutions

Financials

LTM Revenue $446M

Last FY EBITDA $109M

EV

$4.6B

Valuation Multiples

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CreditAccess Grameen Financials

As of September 2025, CreditAccess Grameen reported last 12-month revenue of $446M.

In the same period, CreditAccess Grameen achieved $81.3M in LTM net income.

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CreditAccess Grameen P&L

In the most recent fiscal year, CreditAccess Grameen reported revenue of $624M and EBITDA of $109M.

CreditAccess Grameen expects next 12-month revenue of XXX and NTM EBITDA of XXX

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	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue	$446M	XXX	$624M	XXX	XXX	XXX
Gross Profit	n/a	XXX	$355M	XXX	XXX	XXX
Gross Margin	n/a	XXX	57%	XXX	XXX	XXX
EBITDA	n/a	XXX	$109M	XXX	XXX	XXX
EBITDA Margin	n/a	XXX	17%	XXX	XXX	XXX
EBIT	$303M	XXX	$296M	XXX	XXX	XXX
EBIT Margin	68%	XXX	47%	XXX	XXX	XXX
Net Profit	$81.3M	XXX	$59.9M	XXX	XXX	XXX
Net Margin	18%	XXX	10%	XXX	XXX	XXX
Net Debt	XXX	XXX	$2.2B	XXX	XXX	XXX

Financial data powered by Morningstar, Inc.

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Financial performance metrics for CreditAccess Grameen including revenue, profitability, and margin analysis across different time periods. The company reported last twelve months revenue of $446M. In the most recent fiscal year, CreditAccess Grameen achieved $624M in revenue and $109M in EBITDA.
Financial Metric	Last Twelve Months (LTM)	Next Twelve Months (NTM)	Most Recent Fiscal Year	Current Fiscal Year (2025)	Next Fiscal Year (2026)	Two Years Forward (2027)
Total Revenue	$446M	Analyst estimates available to subscribers	$624M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit	n/a	Analyst estimates available to subscribers	$355M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit Margin	n/a	Analyst estimates available to subscribers	56.9% gross profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA (Earnings Before Interest, Taxes, Depreciation, Amortization)	n/a	Analyst estimates available to subscribers	$109M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA Margin	n/a	Analyst estimates available to subscribers	17.5% EBITDA margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT (Earnings Before Interest and Taxes)	$303M	Analyst estimates available to subscribers	$296M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT Margin	68.0% EBIT margin	Analyst estimates available to subscribers	47.5% EBIT margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Income (Net Profit)	$81.3M	Analyst estimates available to subscribers	$59.9M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Profit Margin	18.2% net profit margin	Analyst estimates available to subscribers	9.6% net profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Debt Position	Detailed debt information available to subscribers	Detailed debt information available to subscribers	$2.2B	Detailed debt information available to subscribers	Detailed debt information available to subscribers	Detailed debt information available to subscribers

Financial Performance Summary for CreditAccess Grameen

This financial data table provides comprehensive performance metrics for CreditAccess Grameen, a company based in India. The metrics include revenue, profitability measures, and operational efficiency indicators across multiple time periods.

Recent Performance Highlights

CreditAccess Grameen generated $446M in revenue over the last twelve months.
Net income over the last twelve months reached $81.3M.

Fiscal Year Performance

In the most recent fiscal year, CreditAccess Grameen reported $624M in total revenue.
Fiscal year EBITDA was $109M.
The company maintained a gross profit margin of 56.9% in the most recent fiscal year.
EBITDA margin for the fiscal year was 17.5%.
Net profit margin reached 9.6% in the most recent fiscal year.

This financial data is sourced from Morningstar, Inc. and represents the most recent available information for CreditAccess Grameen. Forward-looking estimates and detailed financial projections are available through our premium subscription service.

CreditAccess Grameen Stock Performance

CreditAccess Grameen has current market cap of INR 223B (or $2.5B), and EV of INR 405B (or $4.6B).

Market Cap Evolution

CreditAccess Grameen Stock Data

As of October 7, 2025, CreditAccess Grameen's stock price is INR 1399 (or $16).

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EV	Market Cap	Price 1D	Price 1M	Price 3M	Price 12M	EPS
$4.6B	$2.5B	XXX	XXX	XXX	XXX	$0.51

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CreditAccess Grameen Valuation Multiples

CreditAccess Grameen's trades at 7.5x EV/Revenue multiple, and 31.7x EV/EBITDA.

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CreditAccess Grameen Financial Valuation Multiples

As of October 7, 2025, CreditAccess Grameen has market cap of $2.5B and EV of $4.6B.

Equity research analysts estimate CreditAccess Grameen's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX

CreditAccess Grameen has a P/E ratio of 31.0x.

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Market cap (current)	$2.5B	XXX	$2.5B	XXX	XXX	XXX
EV (current)	$4.6B	XXX	$4.6B	XXX	XXX	XXX
EV/Revenue	10.2x	XXX	7.5x	XXX	XXX	XXX
EV/EBITDA	n/a	XXX	31.7x	XXX	XXX	XXX
EV/EBIT	15.1x	XXX	15.8x	XXX	XXX	XXX
EV/Gross Profit	n/a	XXX	n/a	XXX	XXX	XXX
P/E	31.0x	XXX	29.4x	XXX	XXX	XXX
EV/FCF	n/a	XXX	-109.5x	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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CreditAccess Grameen Margins & Growth Rates

CreditAccess Grameen's last 12 month revenue growth is 12%

CreditAccess Grameen's revenue per employee in the last FY averaged $30K, while opex per employee averaged $3K for the same period.

CreditAccess Grameen's rule of 40 is 36% (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).

CreditAccess Grameen's rule of X is unknown (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).

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CreditAccess Grameen Operational Valuation Multiples

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue Growth	12%	XXX	-8%	XXX	XXX	XXX
EBITDA Margin	n/a	XXX	24%	XXX	XXX	XXX
EBITDA Growth	n/a	XXX	n/a	XXX	XXX	XXX
Rule of 40	36%	XXX	36%	XXX	XXX	XXX
Bessemer Rule of X	XXX	XXX	n/a	XXX	XXX	XXX
Revenue per Employee	XXX	XXX	$30K	XXX	XXX	XXX
Opex per Employee	XXX	XXX	$3K	XXX	XXX	XXX
S&M Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
G&A Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
R&D Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
Opex to Revenue	XXX	XXX	9%	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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