CreditAccess Grameen's Q4 FY 2025-26 Quarterly Results

Result Summary

• CreditAccess Grameen Ltd reported a 7.2% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Mar (Q4 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a growth of 13.6%.
• Its expenses for the quarter were up by 0.9% QoQ and 5.8% YoY.
• The net profit increased 34.7% QoQ and increased 619.2% YoY.
• The earnings per share (EPS) of CreditAccess Grameen Ltd stood at 21.11 during Q4 FY 2025-26.

Financial Statments for Q4 FY 2025-26

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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 is a major player in the financial services sector in India, primarily focusing on providing microfinance services to underserved and rural communities. The company operates with a mission to facilitate financial inclusion and empower women entrepreneurs by extending small loans for income-generating activities. It is part of the larger CreditAccess Asia Group, which has a strong presence across Asia. The company has been recognized for its robust risk management practices and customer-centric approach. Recent developments include an expansion of its branch network to enhance outreach and technological advancements in its service delivery model. As of the latest reporting period, CreditAccess Grameen Ltd continues to strengthen its position within the microfinance industry, contributing to economic development at the grassroots level.

Revenue

For the fourth quarter of the fiscal year 2026 (Q4FY26), CreditAccess Grameen Ltd reported a total income of ₹1598.58 crores, reflecting a quarter-over-quarter (QoQ) increase of 7.2% from ₹1491.31 crores in Q3FY26. Compared to the same quarter in the previous fiscal year (Q4FY25), the total income grew by 13.6%, up from ₹1407.71 crores. This substantial year-over-year (YoY) growth highlights the company's expanding revenue base. The consistent increase in total income across quarters indicates strong operational momentum and effective revenue-generating strategies.

Profitability

In Q4FY26, CreditAccess Grameen Ltd achieved a significant profit before tax (PBT) of ₹445.00 crores, marking a 31.7% increase from ₹337.92 crores in Q3FY26. The YoY growth in PBT is particularly notable at 771.2%, up from ₹51.08 crores in Q4FY25. After accounting for taxes, the profit after tax (PAT) stood at ₹339.55 crores, representing a 34.7% QoQ rise and an impressive 619.2% YoY increase from ₹47.21 crores. This performance is reflected in the earnings per share (EPS), which improved to ₹21.11 from ₹15.68 in the previous quarter and ₹2.95 in the same quarter last year. The substantial increase in profitability metrics indicates effective cost management and enhanced operational efficiency.

Operating Metrics

The total expenses for Q4FY26 were ₹818.27 crores, showing a marginal increase of 0.9% from ₹810.82 crores in Q3FY26. On a YoY basis, total expenses rose by 5.8% from ₹773.72 crores in Q4FY25. The relatively moderate increase in expenses compared to revenue growth suggests prudent expense control. The tax expenses for the quarter were ₹105.45 crores, reflecting a 22.9% QoQ increase and a significant 2624.8% YoY rise, corresponding with the sharp increase in profitability. These operating metrics underscore the company's ability to maintain a stable expense structure while scaling its operations, contributing to the overall financial health of CreditAccess Grameen Ltd.