CREDITACC
Creditaccess Grameen
Each stock's 10,000-path forecast, rendered as light.
Creditaccess Grameen (CREDITACC) Stock Analysis & Case Study
Is CREDITACC a good buy? The data-driven verdict.
Creditaccess Grameen (CREDITACC) trades at ₹1,411,on the numbers it high-risk on the numbers, a Downstox Snapshot Score of 25/100.
On the numbers, Creditaccess Grameen (CREDITACC) high-risk on the numbers, a Downstox Snapshot Score of 25/100, weighing premium at 29.1× earnings, ROE of 10.5%, a 41% model probability of trading higher in a year. Below: the full bull case, bear case, sector-relative valuation, and a probability-weighted price target for 2027–2031.
Last updated . Data snapshot for research, not investment advice.
CREDITACC fundamentals at a glance, PE, PB, ROE, ROCE, market cap, dividend yield
Is CREDITACC overvalued? CREDITACC P/E vs its sector
CREDITACC's P/E of 29.1× sits above the sector peer median of 15.9×, so on earnings it screens richer than peers.
CREDITACC share price target 2027, 2028, 2029, 2030, 2031, a probability view
Unlike a single guessed number, this is a probability-weighted range from a 10,000-path Monte-Carlo simulation on 2.0y of CREDITACC history (-0%/yr drift, 44%/yr volatility).
| Year | Low (P10) | Median target (P50) | High (P90) | Upside vs today |
|---|---|---|---|---|
| CREDITACC 2027 | ₹719 | ₹1,278 | ₹2,247 | -9% |
| CREDITACC 2028 | ₹527 | ₹1,157 | ₹2,555 | -18% |
| CREDITACC 2029 | ₹399 | ₹1,051 | ₹2,836 | -25% |
| CREDITACC 2030 | ₹310 | ₹948 | ₹2,938 | -33% |
| CREDITACC 2031 | ₹247 | ₹881 | ₹3,023 | -37% |
Median (P50) is the central estimate; the P10–P90 band is the 80% confidence range. Probabilities, not promises.
What is the probability CREDITACC goes up, or doubles?
The bull case for CREDITACC
- Creditaccess Grameen is part of the nifty200 universe with live, tracked fundamentals on Downstox.
- Upside scenario: the model's optimistic (P90) 3-year path reaches ₹2,836.
The bear case & risks
- At 29.1× earnings the stock carries a premium to the market, strong growth is already in the price, so any miss tends to be punished.
- Return on equity is a soft 10.5%, capital efficiency trails higher-quality peers.
- A low Piotroski F-Score of 3/9 flags weaker financial health this cycle, worth understanding why before committing.
- The probability model is cautious 12 months out, only a 41% chance of finishing above today's price.
- Downside scenario: the model's pessimistic (P10) 3-year path falls to ₹399.
CREDITACC volatility & expected range, how bumpy is the ride?
Over the last 2.0 years CREDITACC compounded at -0%/year with annualized volatility of 44%. That volatility implies a 1-year 80% range of ₹719–₹2,247, the honest backbone behind any single price target.
CREDITACC price forecast, the full 60-month probability fan
CREDITACC price probability fan
Each band shows where 10,000 simulated paths land. The wider the fan, the more uncertainty.
Probability of key outcomes
What are the odds CREDITACC hits common targets within the simulated horizon?
Full multi-horizon detail on the CREDITACC price target & forecast page.
CREDITACC Piotroski F-Score: 3/9, how financially strong is it?
The Piotroski F-Score grades financial strength on nine profitability, leverage and efficiency checks. CREDITACC scores 3/9,weak on the financial-strength checks.
CREDITACC MTF margin & leverage, Upstox, Zerodha, Groww, Dhan
Margin Trading Facility lets you buy CREDITACC with part of the capital. Lower margin % = higher leverage. Rates compared across brokers (no competitor publishes this):
| Broker | Margin required | Approx. leverage |
|---|---|---|
| UpstoxCHEAPEST | 34.8% | 2.9× |
| ZerodhaCHEAPEST | 34.8% | 2.9× |
| DhanCHEAPEST | 34.8% | 2.9× |
Compare every broker on the CREDITACC MTF page.
CREDITACC vs peers,sector comparison
About Creditaccess Grameen: sector, index & market-cap context
Creditaccess Grameen (CREDITACC) is a mid-cap NSE-listed company, and a constituent of the Nifty 200 index group, with a market capitalisation of ₹22,624 Cr. See more Nifty 200 stocks.
How the CREDITACC Snapshot Score & forecast are built
The Downstox Snapshot Score is a transparent, rules-based read of Creditaccess Grameen's public fundamentals plus a statistical forecast, not an analyst opinion. It rewards low-to-fair valuation, high ROE/ROCE, a strong Piotroski F-Score, a dividend, low volatility and a favourable probability of upside; it penalises rich valuations, weak capital efficiency, a low F-Score and high volatility. The price target is a 10,000-path Monte-Carlo simulation on real historical volatility, a distribution, not a single guess. The bull and bear cases are generated from the same data, so you always see both sides.
This is information, not investment advice. Do your own due diligence and consult a SEBI-registered adviser before investing.
CREDITACC analysis, FAQs
Is Creditaccess Grameen (CREDITACC) a good buy?
On the numbers, Creditaccess Grameen (CREDITACC) high-risk on the numbers, a Downstox Snapshot Score of 25/100, weighing premium at 29.1× earnings, ROE of 10.5%, a 41% model probability of trading higher in a year. This is a data snapshot for research, not investment advice.
Is CREDITACC overvalued or undervalued?
CREDITACC trades at 29.1× earnings versus a peer median of 15.9×, so it screens richer than its sector peers.
What is the CREDITACC share price target for 2031?
CREDITACC's probability-weighted 2031 median target is ₹881, with an 80% range of ₹247–₹3,023 (10,000-path Monte-Carlo).
What is the probability CREDITACC doubles in 5 years?
The modelled probability of CREDITACC reaching ₹2,813 (2×) within 5 years is 11%.
What is the bull case for CREDITACC?
Creditaccess Grameen is part of the nifty200 universe with live, tracked fundamentals on Downstox.
What are the risks in CREDITACC?
At 29.1× earnings the stock carries a premium to the market, strong growth is already in the price, so any miss tends to be punished. Return on equity is a soft 10.5%, capital efficiency trails higher-quality peers. A low Piotroski F-Score of 3/9 flags weaker financial health this cycle, worth understanding why before committing.