28-12-19

COMPANY NAME CREDITACCESS GRAMEEN LTD Mark Cap: 11,138.97 CMP: 774.30 FV: 10
QUARTER P&L Jun-17 Sep-17 Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Jun-19 Sep-19 QUARTERLY P&L
Equity Shares in Cr Equity Shares
Equity
in Cr Shares
Equity
in Cr Shares in Cr12.84 12.84 12.84 12.84 14.36 14.36 14.36
Sales Growth EPS Growth 2 per. Mov. Avg. (Sales Growth) 2 per. Mov. Avg. (EPS Growth)
Sales 177.59 213.94 227.76 249.92 285.76 309.72 350.34 335.53 375.8 391.53

60.94%

52.94%
OPM 60% 85% 88% 77% 74% 72% 76% 66% 73% 68%

44.83%
Other Income 0.16 0.16 1.58 0.45 0.31 0.37 0.42 0.91 0.9 1.12

34.38%

31.68%

26.62%
22.86%
Net profit 14.14 61.03 64.36 71.71 72.22 73.46 99.74 76.31 95.83 100.88

18.71%
EPS #VALUE! #VALUE! #VALUE! 5.58 5.62 5.72 7.77 5.32 6.68 7.03

0.00%

0.00%

0.00%
Sales Growth 60.94% 44.83% 52.94% 34.38% 31.68% 26.62%
Net Profit Growth 410.75% 20.37% 54.97% 6.41% 32.69% 37.33%

-4.80%
JUN-17 SEP-17 DEC-17 MAR-18 JUN-18 SEP-18 DEC-18 MAR-19 JUN-19 SEP-19
EPS Growth #VALUE! #VALUE! #VALUE! -4.80% 18.71% 22.86%
ANNUAL P&L Mar-10 Mar-11 Mar-12 Mar-13 Mar-14 Mar-14 Mar-16 Mar-17 Mar-18 Mar-19 TTM
Sales 0 0 0 0 0 146.02 464.46 708.18 870.58 1281.33 1453.2
OPM 0.00% 0.00% 0.00% 0.00% 0.00% 65.59% 72.80% 62.72% 78.89% 71.87%
ANNUAL P&L
Other Income 0 0 0 0 0 1.81 2.26 1.08 0.95 1.92 Sales Growth EPS Growth 2 per. Mov. Avg. (Sales Growth) 2 per. Mov. Avg. (EPS Growth)

263.38%
Depreciation 0 0 0 0 0 0.53 2.61 4.43 5.17 7.79

215.71%
Net profit 0 0 0 0 0 16.63 83.24 80.3 212.48 321.76 372.76
Cash from Operations 0 0 0 0 0 0 -931.09 -424.79 -1725.58 -1378.09
% CFO of Net Profit #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 0.00% -1118.56% -529.00% -812.11% -428.30%
Free Cash Flow 0 0 0 0 0 -3.39 -942.18 -433.17 -1732.68 -1395.76

76.52%
EPS #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 3.14 11.41 9.37 16.54 22.41 25.97

51.97%

47.24%
35.49%
(FCF+Depr.)/Share 0 0 0 0 0 0 0 0 0 0

22.88%
0.00%
0.00%

0.00%
0.00%

0.00%
0.00%

0.00%
0.00%

0.00%
0.00%
CF Operation/Share 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Sales Growth #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 215.71% 51.97% 22.88% 47.24%

-17.88%
Net Profit Growth #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 400.54% -3.53% 164.61% 51.43% MAR-11 MAR-12 MAR-13 MAR-14 MAR-14 MAR-16 MAR-17 MAR-18 MAR-19
EPS Growth #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 263.38% -17.88% 76.52% 35.49%
BALANCE SHEET Mar-10 Mar-11 Mar-12 Mar-13 Mar-14 Mar-14 Mar-16 Mar-17 Mar-18 Mar-19 TTM
ROE 24.95% 13.96% 19.97% 16.92% 15.76% Balance Sheet
ROCE 19.17% 18.23% 14.57% 16.21% 14.89% 180%
Price to earning #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 22.49
165.38%
Divident Yield #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! #VALUE! 0.00% 160%
Dividend Payout 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
140%
Book Value 0 0 0 0 0 14.41 31.97 48.02 99.92 164.4
Book Value Growth #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 121.86% 50.20% 108.08% 64.53% 120% 121.86%
Net Block 0 0 0 0 0 2.63 11.34 12.26 16.16 24.74 108.08%
Investments 0 0 0 0 0 0.2 0.2 0.2 0.2 0.2 100%
Investment Growth #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 0.00% 0.00% 0.00% 0.00%
80%
Total Assets 0 0 0 0 0 1058.08 2807.97 3564.07 5113.57 7357.36
Balance sheet growth #DIV/0! #DIV/0! #DIV/0! #DIV/0! #DIV/0! 165.38% 26.93% 43.48% 43.88% ` 60% 64.53%

Borrowings 0 0 0 0 0 805.23 2233.32 2668.24 3623.46 4866.57 50.20%

40% 43.48% 43.88%
Cash & Equalent 0 0 0 0 0 325.03 254.92 363.69 143.06 615.55
Capital Work in Prog. 0 0 0 0 0 1009.44 2681.65 3343.55 5043.52 7204.33 26.93%
20%
CapEx 0 0 0 0 0 3.39 11.09 8.38 7.1 17.67
Inventory 0 0 0 0 0 0 0 0 0 0 0% 0.00% 0.00% 0.00% 0.00% 0.00%
Debtors (Receivables) 0 0 0 0 0 0 0 0 0 0 Mar-11 Mar-12 Mar-13 Mar-14 Mar-14 Mar-16 Mar-17 Mar-18 Mar-19
Debtor Days 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Book Value Growth Balance sheet growth
Inventory Turnover 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00