CreditAccess Grameen Limited (CREDITACC) 📈: отчетность и дивиденды за 2025

Capitalização

IFRS

Relatórios Anual Trimestral

	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Média de 5 anos	CAGR 5
Капитализация, млрд ₹			49.95	80.47	96.41	103.52	142.73	200.73		218.34	124.77	20.06
Выручка, млрд ₹	4.46	6.95	8.57	12.12	16.32	23.02	25.47	33.47	29.94	29.94	25.64	12.90
Чистая прибыль, млрд ₹	0.8324	0.803	1.25	3.22	3.34	1.34	3.53	8.26	14.46	14.46	6.19	34.06
EV, млрд ₹			106.11	149.47	240.97	251.56	253.82	292.88	428.25	428.25	293.50	12.19
EBIT, млрд ₹	1.41	-0.8795	0.629	1.68	0.1218	-3.3	3.27	12.17	21.57	21.57	6.77	181.61
EBITDA, млрд ₹	1.44	1.77	2.52	5.27	6.67	9.99	15.25	23.8	22.08	22.08	15.56	27.05
Баланс стоимость, млрд ₹	4.6	6.91	14.28	23.65	27.34	36.92	39.78	51.07	65.7	65.7	44.16	19.17
FCF, млрд ₹	-9.39	-4.33	-17.46	-13.96	-22.5	-4.69	-27.42	-33.07	-47.54	-47.54	-27.0440	16.14
Операционный денежный поток, млрд ₹	-9.31	-4.25	-17.39	-13.78	-22.28	-4.55	-27.14	-32.9	-47.34	-47.34	-26.8420	16.27
Операционная прибыль, млрд ₹	1.46	1.76	2.58	6.08	4.62	1.8	4.81	11.05	22.9	22.9	9.04	37.73
Операционные расходы, млрд ₹	0.577	1.63	2.01	1.34	1.85	1.25	2.24	3.14	7.04	7.04	3.10	30.64
CAPEX, млрд ₹	0.0781	0.085	0.0712	0.1772	0.2184	0.1456	0.2786	0.1732	0.1185	0.1185	0.1869	-11.51

	2018Q4	2019Q4	2020Q1	2020Q2	2020Q3	2020Q4	2021Q1	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	Média de 5 trimestres	CAGR 5
Капитализация, млрд ₹	48.89	105.59				109.12			95.77				149.16				255.47				143.02	19.33
Выручка, млрд ₹											7.38	7.76	8.6	9.73	11.11	12.17	12.72	14.46	15.04	14.34	13.75	3.34
Чистая прибыль, млрд ₹											1.38	1.72	2.16	3.04	3.48	3.47	3.53	3.97	3.98	1.86	3.36	-11.73
EV, млрд ₹										251.54		271.97	266.46	292.92		370.15	439.85	425.97	420.52	378.25	406.95	0.43
EBIT, млрд ₹											3.46	3.64	3.71	4.23	5.02	5.99	6.84	6.7	7.09	6.52	6.63	1.71
EBITDA, млрд ₹											3.58	3.77	3.84	4.35	5.14	6.11	6.97	6.84	7.24	6.69	6.77	1.83
Баланс стоимость, млрд ₹											40.76	43.89	45.98	51.07	51.07	57.98	61.69	65.7	65.7	69.88	64.19	3.80
FCF, млрд ₹				-5.63	-5.63		0.0196			0.0545		0.2564	0.2522	0.1065	0.2412	0.2456	0.2612				0.2213	0.70
Операционный денежный поток, млрд ₹					-5.57		0.0196	0.1643		0.0545		0.2564	0.2522	0.1065	0.2412	0.2456	0.2612				0.2213	0.70
Операционная прибыль, млрд ₹											2.67	3.64	3.71	4.23	4.67	5.99	6.84	6.7	7.09	6.52	6.63	1.71
Операционные расходы, млрд ₹											0.6704	0.7703	0.889	0.8146	0.8407	0.9759	0.949	2.8	1.05	1.08	1.37	2.05
CAPEX, млрд ₹		0.0546	0.0546	0.0546	0.0546		0.1456	0.1284		0.2786		0.0684		0.1732		0.0527					0.1403	-16.31

Fluxo de caixa Fluxo de caixa trimestral Ativos

Balanço Patrimonial

IFRS

Relatórios Anual Trimestral

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Média de 5 anos	CAGR 5
Наличность, млрд ₹		1.83	3.32	1.3	5.74	6.45	23.6	15.81	13.41	11.07	11.07	14.07	11.41
Short Term Investments ₹		-8.09	-6.47	-15.95	0.7603	0.8878	1.07	0.9921	6.99	15.35	15.35	5.06	76.83
Long term investments ₹	0.002	0.002	0.002	0.002	0.469							0.0954	197.87
Total Receivables ₹		24.8	31.12	49.1	0.055	0.427	1.14	0.941	1.19	0.7855	0.7855	0.8967	12.96
Total Current Assets ₹		19.75	28.51	35.7	51.75	73.38	99.92	106.98	211.16	180.68	180.68	134.42	19.75
Чистые активы, млрд ₹	0.0257	0.0532	0.0668	0.0948	0.1874	0.8629	0.9165	1.07	0.9683		0.9683	0.8010	38.88
Активы, млрд ₹		28.08	35.64	52.18	73.57	125.9	150.59	173.95	218.58	288.46	288.46	191.50	18.04
Short Term Debt ₹		11.11	14.92	21.23	26.07	55.61	62.23	71.3	163.12	98.71	98.71	90.19	12.16
Long Term Debt ₹		11.22	26.85	36.23	48.67	95.4	109.41	129.21	163.12	218.41	218.41	143.11	18.02
Задолженность, млрд ₹		23.48	28.73	37.9	49.92	97.46	112.63	133.19	167.51	222.76	222.76	146.71	17.98
Чистый долг, млрд ₹		20.51	23.36	34.73	42.93	89.51	86.57	114.25	149.71	207.34	207.34	129.48	18.29
Долг, млрд ₹		22.33	41.78	57.46	74.74	151.01	171.64	200.5	163.12	218.41	218.41	180.94	7.66
Interest income ₹		1.89	2.99	3.52	4.12	5.78	9.29	9.84	10.91			7.99	21.50
Расходы на обслуживание долга ₹		0.1618	0.5197	0.6506	0.0878	0.0992	0.2293	0.2348	0.2308	2.18	2.18	0.5948	85.52
Чист. проц. доходы, млрд ₹			0.0853	0.058	0.0699	0.0634	-1.34	-1.56	0.2332	0.8756	10.91	-0.3456	69.06
Goodwill ₹					3.18	3.18	3.18	3.18	3.76			3.30	3.41
Амортизация, млрд ₹		0.0261	2.65	1.9	3.59	6.55	13.29	11.98	11.63	0.5115	0.5115	8.79	-39.95
Себестоимость, млрд ₹		2.63	3.69	4.16	5.67	8.04	12.45	13.52	17.3	21.02	21.02	14.47	21.19
Товарно материальные запасы ₹		17.73	24.77	34.28	45.16	-0.427	73.99	89.14	189.37	263.96	263.96	123.21	-461.59

	2017Q2	2017Q3	2017Q4	2018Q1	2018Q3	2019Q1	2019Q3	2020Q1	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	Média de 5 trimestres	CAGR 5
Наличность, млрд ₹														15.81	15.81		6.65	10.02	13.41		12.78	11.69	13.14	8.88	5.21	10.34	-16.43
Short Term Investments ₹												0.071	1.95	0.9921	0.9921		0.932	2.83	6.99		1.3		2.07		2.12	3.06	-5.61
Long term investments ₹	1.67	1.67	0.002	0.002	0.3784	0.469	0.323																			0.2349	176.46
Total Receivables ₹								111.64	102.07		118.65		118.24		148.91		152.57	164.02	1.19		209.16		0.7855			105.55	-65.14
Total Current Assets ₹												120.27	133.4	106.98	106.98		160.15	174.04	211.16		223.24		264.75		242.95	223.23	6.90
Чистые активы, млрд ₹							0.8443	0.8629	0.8866		0.9165		0.9294		1.07		0.9944	0.98	0.9683		1.02					1.01	-0.95
Активы, млрд ₹														173.95	173.95		171.84	186.75	218.58		239.54	255.81	288.46	65.7	266.13	223.13	2.13
Short Term Debt ₹		18.18	21.23	21.23		26.07		55.61			62.23			71.3	71.3				163.12				98.71			93.33	9.67
Long Term Debt ₹									95.56		109.41	96.3	100.54		129.21		123.08	135.74	163.12		176.69		218.41			163.41	12.15
Задолженность, млрд ₹														133.19	133.19		126.91	139.68	167.51		181.56	194.13	222.76	-65.7	196.24	145.80	1.57
Чистый долг, млрд ₹														114.25	114.25		116.44	126.52	149.71		163.91	179.05	205.27	194.98	186.33	185.91	2.60
Долг, млрд ₹											171.64				200.5		123.08	136.54	326.25		176.69	190.74	218.41	203.86	191.54	196.25	1.63
Interest income ₹												2.49	2.29	2.39	2.67	2.74	2.56	2.87	2.74	3.82	4.15					3.23	10.14
Расходы на обслуживание долга ₹															1.59	1.59	1.39	0.8591	0.1484							1.12	-37.77
Чист. проц. доходы, млрд ₹									0.0648	0.0783	-1.51				2.67	2.74	2.56	2.87	2.74	3.82	4.15					3.23	10.14
Goodwill ₹											3.18	3.18	3.18	3.18	3.18		3.18	3.18	3.76		3.76	3.76				3.53	3.41
Амортизация, млрд ₹																0.1192	0.1282	0.1261	0.1249	0.1206	0.1228	0.1306	0.1375	0.1435	0.1719	0.1413	6.96
Себестоимость, млрд ₹																4.04	4.03	4.41	4.82	5.43	5.87	5.99	4.96	5.25	6.74	5.76	2.80
Товарно материальные запасы ₹																			189.37				263.96			226.66	18.06

Promoção

IFRS

Relatórios Anual Trimestral

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Média de 5 anos	CAGR 5
EPS				23.15	23	8.9	22.2	51.82	90.41		90.41	39.27	31.49
Цена акции ао			383.25	767.95	755.85	597.85	915.3	1596.55	886.55	921.55	921.55	983.56	9.04
Число акций ао, млн	83.34	128.43	144.76	145.15	150.96	156.42	159.02	159.42	159.93		159.93	157.15	1.16
FCF/акцию	-112.66	-33.74	-120.63	-96.16	-149.07	-30	-172.44	-207.45	-297.26		-297.26	-171.2440	14.80

	2014Q4	2015Q4	2016Q4	2017Q4	2018Q4	2019Q4	2020Q4	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2025Q1	Média de 5 trimestres	CAGR 5
EPS										8.8	10.97	13.76	19.05	21.8	21.69	22.05	24.85	24.82	11.61		21.00	-11.75
Цена акции ао								612.22	688.07	985.64	1010.71	951.25	918.94	1126.32	1370.57	1594.24				921.55	1186.32	0.06
Число акций ао, млн	55.13	72.95	83.34	128.43	144.76	145.15	150.96	156.42				156.81				160.24					153.92	2.00
FCF/акцию		-32.17	-13	-33.99	-24.11	-38.76						1.61	0.6676	1.51	1.54	1.63					1.39	0.25

Eficiência

IFRS

Relatórios Anual Trimestral

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Média da indústria	Média de 5 anos	CAGR 5
ROE, %	18.1	11.62	8.73	13.6	12.2	3.63	9.21	18.19	24.77		24.77	16.86	13.60	15.22
ROA, %	2.96	2.25	2.39	4.37	2.65	0.89	2.18	4.21	5.7		5.7	4.25	3.13	16.55
ROS, %		11.55	14.55	26.55	20.44	5.82	13.86	24.68	48.3	48.3	48.3	54.68	28.19	52.69
ROCE, %		-12.73	4.41	7.11	0.4284	-8.69	3.28	23.57	11.57	32.83	11.57	24.78	12.51	-230.45
Ebit margin, %					25.45	-7.09	12.84	36.37	72.05	72.05	72.05		37.24	-259.00
Рентаб EBITDA, %		25.42	29.46	43.46	40.9	43.38	59.88	71.11	73.76	73.76	73.76	61.11	64.38	11.20
Чистая рентаб, %	18.66	11.55	14.55	26.55	20.44	5.82	13.86	24.68	48.3		48.3	54.68	22.62	18.77
Operation Margin, %		25.36	30.1	50.19	28.28	7.84	18.88	33.03	76.48	76.48	76.48	57.48	42.54	57.71
Доходность FCF, %			-34.96	-17.35	-23.34	-4.53	-19.21	-16.48					-16.1820	-1.02

	2018Q4	2019Q4	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	Média da indústria	Média de 5 trimestres	CAGR 5
ROE, %					3.38	3.92	4.69	5.95	6.82	6.97	6.61	6.93	6.53	2.9	16.86	5.99	-16.09
ROA, %			0.6888	0.9034		1	1.16	1.39		2.9	1.43	1.46	2.25	1.12	4.25	1.83	-17.33
ROS, %					18.69	22.18	25.09	31.24	31.36	28.51	27.79	27.46	26.43	12.98	54.68	24.63	-14.56
ROCE, %			9.51	-2.16		8.11	7.89	8.28		3.79	3.77	2.58	3.36	2.99	24.78	3.30	-4.63
Ebit margin, %										49.19	53.76	46.32	47.15	45.47		48.38	-1.56
Рентаб EBITDA, %					48.55	48.63	44.64	44.73	46.25	50.2	54.79	47.27	48.1	46.67	61.11	49.41	-1.45
Чистая рентаб, %					18.69	22.18	25.09	31.24	31.36	28.51	27.79	27.46	26.43	12.98	54.68	24.63	-14.56
Operation Margin, %					36.2	46.97	43.18	43.45	42.06	49.19	53.76	46.32	47.15	45.47	57.48	48.38	-1.56
Доходность FCF, %	-7.14	-5.33					0.1691				0.1022					-3.0497	-134.59

Chances

IFRS

Relatórios Anual Trimestral

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Média da indústria	Média de 5 anos	CAGR 5
P/E		40.08	25.01	28.9	77.24	39.53	17.33	15.28		15.28	36.52	35.66	-11.97
P/BV		3.5	3.4	3.53	2.8	3.42	2.8	3.36		3.36	3.48	3.18	-0.98
P/S		5.83	6.64	5.91	4.5	5.48	4.28	7.38		7.38	11.05	5.51	4.54
P/FCF		-2.86	-5.76	-4.28	-22.06	-5.2	-6.07	-4.59	-4.59	-4.59	9.19	-8.5020	-26.95
E/P		0.025	0.04	0.0346	0.0129	0.0247	0.0412	0.0662	0.0662	0.0662	0.25	0.0422	38.69
EV/EBIT				32.77	-114.55	77.6	24.07	19.85	19.85	19.85		5.36	-170.43
EV/EBITDA		42.04	28.38	36.1	25.19	16.64	12.31	19.39		19.39	160.68	21.93	-11.69
EV/S		12.38	12.33	14.76	10.93	9.97	8.75	14.3	14.3	14.3	13.57	11.65	5.52
EV/FCF		-6.08	-10.71	-10.71	-53.61	-9.26	-8.86	-9.01	-9.01	-9.01	11.99	-17.9500	-30.00
Debt/EBITDA	23.64	22.77	14.19	22.63	17.19	13.15	6.85	9.89	9.89	9.89	139.52	11.39	-10.47
Netdebt/Ebitda	13.22	13.76	8.15	13.41	8.67	7.49	6.29	9.39	9.39	9.39	-122.79	8.25	1.61
Debt/Ratio	1.17	1.1	1.02	1.2	1.14	1.15	0.7463	0.7572	0.7572	0.7572	0.30	0.9101	-7.86
Debt/Equity	6.05	4.02	3.16	5.52	4.65	5.04	3.19	3.32	225.56	3.32	271.17	48.35	117.35
Debt/Net Income	52.03	46.1	23.23	45.27	128.07	56.79	19.75	15.11	15.11	15.11	13.96	46.97	-34.78
Бета							0.8543	5.48	0.7305	0.7305	1.86	2.35	-5.08
Индекс Альтмана		1.51	1.78	1.27	1.22	1.37	1.55	1.15	1.21	1.21	0.99	1.30	-0.16

	2018Q4	2019Q1	2019Q4	2020Q1	2020Q4	2021Q1	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2025Q1	Média da indústria	Média de 5 trimestres	CAGR 5
P/E									32.86	26.47	69.13	17.12	20.64	16.89	19.24	15.28	15.07	14.37		36.52	16.17	-3.18
P/BV							2.47	3.37		3.46	3.24	2.8		3.56	4.23	3.36	1.72	2.75		3.48	3.12	-5.03
P/S									5.85	5.44	17.34	4.24	5.77	4.93	5.69	4.38	4.14	3.39		11.05	4.51	-7.22
P/FCF	-14.01		-18.77								591.45				978.06					9.19	384.18	-389.06
E/P	0.0204		0.0102		-0.0071		0.0125				0.0145				0.0138					0.25	0.0088	6.23
EV/EBIT														61.81	64.34	63.6	59.28	58.02			61.41	-1.26
EV/EBITDA								108.87		32.77	25.53	18.84		19.21	19.64	17.12	15.49	13.64		160.68	17.02	-6.62
EV/S														30.4	34.59	29.46	27.95	26.38		13.57	29.76	-2.80
EV/FCF														1507.11	1683.97					11.99	1595.54	5.70
Debt/EBITDA						-290.03		-265.18		32.64	35.56	74.95		28.91	27.38	31.95	28.17	28.62		139.52	29.01	-0.20
Netdebt/Ebitda							28.62	-151.11		30.87	32.95	34.39		26.82	25.7	30.03	26.94	27.85		-122.79	27.47	0.76
Debt/Ratio		0.6615		1.2		1.14		1.15				1.49		0.7376	0.7456	0.7572	3.1	0.7197		0.30	1.21	-0.49
Debt/Equity		2.06		5.52		4.65		5.04				6.39		3.05	3.09	3.32	3.1	2.74		271.17	3.06	-2.12
Debt/Net Income		63.76		523.78		285.64		127.59				107.32		50.91	53.98	55	51.26	102.94		13.96	62.82	15.12
Бета																			0.7305	1.86	0.7305	0.00
Индекс Альтмана											1.09								1.21	0.99	1.15	5.36

Dividendos

IFRS

Relatórios Anual

	2024	LTM	Média da indústria	Média de 5 anos	CAGR 5
Дивиденд	10	10		10.00	0.00
Див доход, ао, %	0.7642	0.7642	1.40	0.7642	0.00
Дивиденды / прибыль, %		0	18.33

	Média da indústria	Média de 5 trimestres	CAGR 5

	Média da indústria	Média de 5 trimestres	CAGR 5

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IFRS

Relatórios Anual

	2023	2024	CAGR 5
Персонал, чел	16759	16759	0.00

	CAGR 5

	CAGR 5

Investing Port

NSE: CREDITACC - CreditAccess Grameen Limited

Relatórios CreditAccess Grameen Limited

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