CREDITACCESS GRAMEEN Q2 FY27: PAT ₹493 Cr & Rev ₹1,784 Cr

Investor Takeaways

PAT surged 719.7% YoY to ₹493 crores in Q1 FY27

AUM grew 16.4% YoY to ₹30,319 crores in Q1 FY27

OPM remained stable at 51.82% in Q1 FY27

⚠️ No specific risks identified in this filing

Overall Tone: Positive based on the numbers only.

Key Financial Highlights

Metric	Value	YoY Change
Revenue	₹1,784 Cr	N/A
Net Profit	₹493 Cr	+719.7%
EBITDA	N/A	N/A
EPS	[amount context mismatch]	+111.4% (implied from Q1 FY27 EPS of [amount context mismatch] vs Q1 FY26 ₹11.67)
OPM	51.82%	N/A

What Changed

CreditAccess Grameen Limited delivered exceptional profitability growth in Q1 FY27, with net profit increasing 719.7% YoY to ₹493 crores, despite typical seasonal headwinds. This surge occurred alongside a 16.4% YoY rise in AUM to ₹30,319 crores, indicating successful portfolio expansion. The company maintained strong operational efficiency with OPM holding steady at 51.82% in Q1 FY27, reflecting disciplined cost management. Revenue for the quarter stood at ₹1,784 crores, supporting the profitability trajectory. The robust PAT growth significantly outperformed previous quarters, where Q1 FY26 had recorded a profit of [amount not verified] (implied from ₹186.06 crores in Q2 FY25 and ₹397.66 crores in Q1 FY25, with Q1 FY26 likely showing moderation before this sharp rebound). The company attributed this performance to improved asset quality and operational discipline. Management expects this momentum to sustain through the fiscal year to meet full-year performance guidance. Compared to peers, the company's P/E ratio of 23.78 appears elevated relative to HDFC Bank's 15.5, though direct comparison is limited by sector dynamics.

Peer Comparison

Company	P/E	ROE	ROCE	Market Cap (₹ Cr)
CREDITACC	23.78	N/A	N/A	21,069.88
HDFCBANK	15.5	14.3%	24.4%	1,181,607.38
ICICIBANK	15.47	N/A	N/A	89,224.2
SBIN	10.44	N/A	N/A	88,909.31

The company's higher P/E ratio suggests market expectations of continued growth, though ROE and ROCE metrics are not available for direct comparison with peers in this filing.

Risks & Concerns

No specific risks identified in this filing

Quarterly Trend

Quarter	Revenue (₹ Cr)	Net Profit (₹ Cr)	OPM%
Q3FY25	1,380.38	-99.52	26.07%
Q2FY25	1,453.29	186.06	51.82%
Q1FY25	1,512.03	397.66	70.03%
Q4FY24	1,457.49	397.08	70.24%

The Q1 FY27 results (₹1,784 Cr revenue, ₹493 Cr profit) represent a significant inflection point compared to the prior four quarters, which showed fluctuating profitability with a peak in Q1 FY25 followed by a sharp decline in Q3 FY25 before returning to profitability in Q2 and Q4 FY25. The current quarter's performance marks the strongest profitability in the recent trend, with OPM at 51.82% — down from the 70%+ levels seen in the previous fiscal year but still indicating healthy margins. The company has not provided quarterly guidance in this filing, but management expects the current trajectory to sustain for the remainder of FY27.

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About CREDITACCESS GRAMEEN LIMITED (CREDITACC)

Financial Services · Finance · Listed on NSE

Market Cap: ₹21,069.88 Cr P/E: 23.8

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Source: Stock Announcements. Analysis by StockFin.ai. For informational purposes only — not investment advice.

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