CREDITACC
Creditaccess Grameen Limited
Each stock's 10,000-path forecast, rendered as light.
Creditaccess Grameen Limited (CREDITACC) Stock Analysis & Case Study
Is CREDITACC a good buy? The data-driven verdict.
Creditaccess Grameen Limited (CREDITACC) trades at ₹1,524,on the numbers it mixed signals, a Downstox Snapshot Score of 49/100.
On the numbers, Creditaccess Grameen Limited (CREDITACC) mixed signals, a Downstox Snapshot Score of 49/100, weighing fairly valued at 20.2× earnings, ROE of 10.5%, a 52% 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
How CREDITACC ranks against the 2,373 companies in our screener
- CREDITACC's market cap of 24,425 Cr ranks in the 86th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- CREDITACC's book value of ₹490 ranks in the 89th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- CREDITACC's promoter holding of 66.2% ranks in the 65th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- CREDITACC's 3-year profit (PAT) growth of -2.0% ranks in the 27th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- CREDITACC's 3-year revenue growth of 20.0% ranks in the 73rd percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
We do not hold a debt-to-equity ratio figure for CREDITACC, as of 9 Aug 2026, so it is not ranked here.
Is CREDITACC overvalued? CREDITACC P/E vs peers
CREDITACC trades at 20.2× earnings. We don't have a verified sector peer group for this stock yet, so no sector peer median or peer comparison table is shown here. Showing one anyway would compare it against an arbitrary set of large-cap names, not real sector 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 7.8y of CREDITACC history (16%/yr drift, 44%/yr volatility).
| Year | Low (P10) | Median target (P50) | High (P90) | Upside vs today |
|---|---|---|---|---|
| CREDITACC 2027 | ₹881 | ₹1,562 | ₹2,769 | +3% |
| CREDITACC 2028 | ₹719 | ₹1,602 | ₹3,569 | +5% |
| CREDITACC 2029 | ₹629 | ₹1,642 | ₹4,285 | +8% |
| CREDITACC 2030 | ₹549 | ₹1,684 | ₹5,162 | +11% |
| CREDITACC 2031 | ₹497 | ₹1,726 | ₹6,000 | +13% |
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
- CREDITACC's P/E of 20.2x is lower than 62% of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- Upside scenario: the model's optimistic (P90) 3-year path reaches ₹4,285.
The bear case & risks
- CREDITACC's return on equity of 10.5% ranks in the 52nd percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- Downside scenario: the model's pessimistic (P10) 3-year path falls to ₹629.
CREDITACC volatility & expected range, how bumpy is the ride?
Over the last 7.8 years CREDITACC compounded at 16%/year with annualized volatility of 44%. That volatility implies a 1-year 80% range of ₹881-₹2,769, 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: 4/8, how financially strong is it?
The Piotroski F-Score grades financial strength on profitability, leverage and efficiency checks. Downstox scores the eight checks it can verify from published filings, so 8 is full marks. CREDITACC scores 4/8, mixed financial health.
CREDITACC MTF margin & leverage across 10 brokers
Margin Trading Facility lets you buy CREDITACC with part of the capital. Lower margin % = higher leverage. Rates compared across 10 brokers (no competitor publishes this):
| Broker | Margin required | Approx. leverage |
|---|---|---|
| Upstox | 34.40% | 2.9× |
| Zerodha | 34.37% | 2.9× |
| Groww | 34.51% | 2.9× |
| Dhan | 34.37% | 2.9× |
| Kotak NeoCHEAPEST | 34.36% | 2.9× |
| Paytm Money | 34.66% | 2.9× |
| Pocketful | 34.74% | 2.9× |
| Anand Rathi | 34.37% | 2.9× |
| Bajaj Broking | 37.00% | 2.7× |
| Share India | 34.50% | 2.9× |
Compare every broker on the CREDITACC MTF page.
About Creditaccess Grameen Limited: sector, index & market-cap context
Creditaccess Grameen Limited (CREDITACC) is a mid-cap NSE-listed company, and a constituent of the Nifty 500 index, with a market capitalisation of ₹24,425 Cr. See more stocks on our screener.
How the CREDITACC Snapshot Score & forecast are built
The Downstox Snapshot Score is a transparent, rules-based read of Creditaccess Grameen Limited'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 Limited (CREDITACC) a good buy?
On the numbers, Creditaccess Grameen Limited (CREDITACC) mixed signals, a Downstox Snapshot Score of 49/100, weighing fairly valued at 20.2× earnings, ROE of 10.5%, a 52% 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 20.2× earnings, fairly valued versus the ~22× long-run Nifty average.
What is the CREDITACC share price target for 2031?
CREDITACC's probability-weighted 2031 median target is ₹1,726, with an 80% range of ₹497-₹6,000 (10,000-path Monte-Carlo).
What is the probability CREDITACC doubles in 5 years?
The modelled probability of CREDITACC reaching ₹3,047 (2×) within 5 years is 28%.
What is the bull case for CREDITACC?
CREDITACC's P/E of 20.2x is lower than 62% of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
What are the risks in CREDITACC?
CREDITACC's return on equity of 10.5% ranks in the 52nd percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.