CreditAccess Grameen's Q2 FY 2025-26 Quarterly Results
- 06 Jan 2026
Result Summary
- CreditAccess Grameen Ltd reported a 3.1% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Sep (Q2 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a growth of 3.8%.
- Its expenses for the quarter were up by 0.4% QoQ and 4.1% YoY.
- The net profit increased 109.0% QoQ and decreased 32.4% YoY.
- The earnings per share (EPS) of CreditAccess Grameen Ltd stood at 7.83 during Q2 FY 2025-26.
Financial Statments for Q2 FY 2025-26
Total Income | 1509.02 | 1463.63 | 1453.92 | 3.1% | 3.8% |
Total Expenses | 814.19 | 810.66 | 781.78 | 0.4% | 4.1% |
Profit Before Tax | 169.16 | 81.12 | 251.99 | 108.5% | -32.9% |
Tax | 43.35 | 20.93 | 65.93 | 107.1% | -34.2% |
Profit After Tax | 125.81 | 60.19 | 186.06 | 109.0% | -32.4% |
Earnings Per Share | 7.83 | 3.76 | 11.61 | 108.2% | -32.6% |
Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results
Company Overview
CreditAccess Grameen Ltd operates within the financial services industry, focusing primarily on providing microfinance solutions. The company is one of India's leading microfinance institutions, serving low-income households with a range of financial services, including micro-loans aimed at empowering rural women. As of the latest known data, CreditAccess Grameen Ltd has established a significant presence in various Indian states, promoting financial inclusion among underserved communities. The company’s operations are pivotal in driving socio-economic development by facilitating access to credit for entrepreneurial activities and personal needs. Any recent major developments beyond October 2023 are not available in the provided data.
Revenue
In the second quarter of FY26, CreditAccess Grameen Ltd reported a total income of ₹1509.02 crores, marking a 3.1% increase from the previous quarter's total income of ₹1463.63 crores. Compared to the same quarter in the previous fiscal year (Q2FY25), where the total income was ₹1453.92 crores, there was a year-over-year increase of 3.8%. This growth trajectory in total income highlights the company's capacity to enhance its revenue generation amidst potential challenges in the financial services sector. The steady increase in total income over both the quarterly and annual periods underscores the company's ability to maintain its revenue streams effectively.
Profitability
The profitability metrics for CreditAccess Grameen Ltd in Q2FY26 show significant quarter-over-quarter improvements but reflect declines on a year-over-year basis. Profit Before Tax (PBT) for the quarter stood at ₹169.16 crores, a substantial increase of 108.5% compared to ₹81.12 crores in Q1FY26. However, compared to Q2FY25's PBT of ₹251.99 crores, there was a decline of 32.9%. Similarly, Profit After Tax (PAT) saw an increase of 109.0% quarter-over-quarter, reaching ₹125.81 crores from ₹60.19 crores in the prior quarter, yet it decreased by 32.4% year-over-year from ₹186.06 crores. The tax expenses also doubled, registering a 107.1% increase quarter-over-quarter. Earnings per Share (EPS) mirrored these trends, rising 108.2% from the previous quarter but dropping 32.6% compared to the same period last year.
Operating Metrics
CreditAccess Grameen Ltd's total expenses for Q2FY26 were ₹814.19 crores, a modest increase of 0.4% from Q1FY26's expenses of ₹810.66 crores. Year-over-year, the expenses rose by 4.1% from ₹781.78 crores in Q2FY25. This indicates a controlled increase in operating costs relative to revenue growth, which is crucial for maintaining operational efficiency. The company's ability to manage its expenses effectively while growing its income is reflected in the positive quarter-over-quarter profitability metrics. The financial data does not include specific operational ratios such as P/E ratio or current ratio, and thus, these cannot be calculated from the available information.