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CREDITACCESS GRAMEEN LIMITED Q3 FY26 earnings call summary

NSE: CREDITACC · BSE: 541770

Earnings call of 20 Jan 2026, summarised by AI from the filing.

CreditAccess Grameen Q3 FY26 PAT doubled QoQ to ₹252 cr; FY27 credit cost guided at 4-4.5%.

Key takeaways

  1. PAT ₹252 cr, doubled QoQ; adjusted for labour code impact ₹266 cr.
  2. FY27 credit cost Guided at 4% to 4.5%, reflecting monthly PAR 15+ accretion of 30-35 bps.
  3. Asset quality Monthly PAR 15+ accretion declined to 18 bps in December 2025 from 47 bps in September 2025.
  4. Retail finance Share of AUM rose to 14.1% in Q3 FY26 from 11.1% in Q2 FY26.
  5. Credit cost risk If PAR 15+ accretion stays at 20-25 bps, credit costs could be lower than guided.

Original filing on BSE

CREDITACCESS GRAMEEN LIMITED Q1 FY27 results

As filed: Revenue ₹1,783 cr (+22% year on year), EBITDA ₹1,225 cr (+112% year on year), PAT ₹493 cr (+300% year on year), EBITDA margin 68.7% (+1,000 bps).

The Q1 FY27 score, against the company's own trend, is for premium members.

Earlier results and the share price after them

  • Q4 FY26: Revenue ₹1,597 cr (+14% year on year), EBITDA ₹937 cr (+73% year on year), PAT ₹340 cr (+300% year on year), EBITDA margin 58.7% (+1,000 bps). Score 76 of 100, Above trend. Revenue growth was in line with the company's own trend; EBITDA and profit growth were well above it. EBITDA margin rose 1000 bps year on year. Share price after the results: −15.6% in 28 days (Nifty 500: −2.8%).
  • Q3 FY26: Revenue ₹1,490 cr (+8% year on year), EBITDA ₹813 cr (+126% year on year), PAT ₹252 cr, EBITDA margin 54.5% (+1,000 bps). Score 69 of 100, Above trend. Revenue growth was below the company's own trend; EBITDA growth was well above it. EBITDA margin rose 1000 bps year on year. Share price after the results: +7.3% in 30 days (Nifty 500: +1.5%).
  • Q2 FY26: Revenue ₹1,508 cr (+4% year on year), EBITDA ₹664 cr (−12% year on year), PAT ₹126 cr (−32% year on year), EBITDA margin 44.0% (−779 bps). Score 38 of 100, Below trend. Revenue and profit growth were below the company's own trend; EBITDA growth was in line with it. EBITDA margin fell 779 bps year on year. Share price after the results: −7.1% in 30 days (Nifty 500: +0.6%).
  • Q1 FY26: Revenue ₹1,463 cr (−3% year on year), EBITDA ₹577 cr (−45% year on year), PAT ₹60.0 cr (−85% year on year), EBITDA margin 39.4% (−1,000 bps). Score 24 of 100, Below trend. Revenue and profit growth were well below the company's own trend; EBITDA growth was below it. EBITDA margin fell 1000 bps year on year. Share price after the results: +9.1% in 30 days (Nifty 500: −0.8%).
  • Q4 FY25: Revenue ₹1,407 cr (−3% year on year), EBITDA ₹543 cr (−47% year on year), PAT ₹47.0 cr (−88% year on year), EBITDA margin 38.6% (−1,000 bps). Score 16 of 100, Below trend. Revenue, EBITDA and profit growth were well below the company's own trend. EBITDA margin fell 1000 bps year on year. Tax rate 8%. Share price after the results: −1.9% in 28 days (Nifty 500: +0.2%).
  • Q3 FY25: Revenue ₹1,380 cr (+7% year on year), EBITDA ₹360 cr (−61% year on year), PAT −₹100 cr (−128% year on year), EBITDA margin 26.1% (−1,000 bps). Score 12 of 100, Below trend. Revenue, EBITDA and profit growth were well below the company's own trend. EBITDA margin fell 1000 bps year on year. Revenue fell 5% from last quarter. Revenue rose ₹88.0 cr on a year ago, against ₹384 cr the year before.
  • Q2 FY25: Revenue ₹1,453 cr (+17% year on year), EBITDA ₹753 cr (−17% year on year), PAT ₹186 cr (−46% year on year), EBITDA margin 51.8% (−1,000 bps). Score 27 of 100, Below trend. EBITDA margin fell 1000 bps year on year. Not enough history for a trend yet: scored on growth alone. Revenue fell 4% from last quarter.

Past price moves after results do not indicate future moves. Not a recommendation.

CREDITACCESS GRAMEEN LIMITED earnings call, investor presentation and press release summaries

Figures from the company's filings with NSE and BSE. Not investment advice.