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CREDITACCESS GRAMEEN LIMITED Q2 FY27 results deck summary

NSE: CREDITACC · BSE: 541770

Results deck of 22 Oct 2026, summarised by AI from the filing.

Q2 FY27 PAT ₹502 cr, up 298.7% YoY, as CreditAccess Grameen raised FY27 NIM guidance to 14.4-14.7% and ROA to 5.2-5.8%.

Key takeaways

  1. PAT milestone Q2 FY27 PAT was ₹502 cr, up 298.7% YoY, with ROA 5.8% and ROE 23.2%.
  2. FY27 guidance FY27 NIM guidance raised to 14.4-14.7%, ROA to 5.2-5.8% and ROE to 21.0-24.0%, with credit cost kept at 3.0-4.0%.
  3. Retail finance Retail finance reached 23.3% of AUM, with the secured book up 60.9% YoY to ₹695 cr and two-wheeler loans crossing ₹60 cr.
  4. Weather risk Flooding in Bihar, UP, Chhattisgarh and MP and a deficient monsoon raised PAR temporarily in Aug-26 and Sep-26.

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.