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CREDITACCESS GRAMEEN LIMITED Q2 FY27 earnings call summary

NSE: CREDITACC · BSE: 541770

Earnings call of 22 Oct 2026, summarised by AI from the filing.

CreditAccess Grameen reported record Q2 FY27 PAT of ₹502 cr and raised FY27 ROA guidance to 5.2%-5.8%.

Key takeaways

  1. Record profit Q2 FY27 PAT ₹502 cr, highest quarterly profit, having grown fivefold over the past 5 years.
  2. Guidance raised FY27 ROA guidance raised to 5.2%-5.8% and ROE to 21%-24%, with AUM growth retained at 20%-25%.
  3. NIM expansion NIM expanded to 15.1% in Q2 from 14.4% in Q1, driven by lower interest reversals and higher yielding individual loans.
  4. Retail growth Retail Finance AUM grew to ₹7,200 cr, now 23.3% of total AUM, up from 20.6% in Q1 FY27.

Original filing on BSE

CREDITACCESS GRAMEEN LIMITED Q2 FY27 results

As filed: Revenue ₹1,904 cr (+26% year on year), EBITDA ₹1,240 cr (+87% year on year), PAT ₹502 cr (+298% year on year), EBITDA margin 65.1% (+1,000 bps).

The Q2 FY27 score, against the company's own trend, is for premium members.

Earlier results and the share price after them

  • Q1 FY27: 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). Score 83 of 100, Above trend. Revenue, EBITDA and profit growth were well above the company's own trend. EBITDA margin rose 1000 bps year on year. Share price after the results: −1.4% in 28 days (Nifty 500: +2.7%).
  • 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.

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.