₹1102.7
-0.4% today
· 30d -12.86%
as of 2026-11-09
Price · Daily Candles
“CREDITACC's profits soar 619% YoY, challenging growth concerns despite neutral signals.”
CREDITACC delivered significant quarterly performance, with net profit surging by an impressive 619.23% YoY to ₹340 Cr. While annual revenue growth remains modest at 5.33%, quarterly revenue increased by 13.55% year-over-year to ₹1597 Cr. The company's TTM PE stands at 153.28, which appears stretched compared to its forward PE of 10.54, suggesting analyst expectations for future earnings growth.
BULL CASE
+Net profit saw a massive 619.23% increase year-over-year in Q4 2026, reaching ₹340 Cr.
+Quarterly revenue grew by 13.55% YoY to ₹1597 Cr, indicating strong recent operational uplift.
+Operating Profit Margin (OPM) increased by 20.08% YoY in Q4 2026, reaching 58.72%.
+FII stake increased by 1.26 percentage points QoQ, reaching 12.94% by March 2026.
+The 5-year Net Profit CAGR is strong at 42.7%, while Revenue CAGR is 19.75% for the same period.
BEAR CASE
−The trailing twelve-month PE ratio of 153.28 is significantly higher than the forward PE of 10.54, suggesting current valuation may be stretched without continued strong growth.
−Promoter shareholding slightly decreased by 0.04 percentage points QoQ to 66.24%.
−Net profit 3-year CAGR is negative at -1.7%, despite a positive 5-year trend.
−The stock is trading 16.24% off its 52-week high of ₹1552.0.
−The company's Free Cash Flow is negative at -₹2785 Cr, resulting in a -13.4% FCF yield.
⟳ What Changed
₹ Latest Earnings · Q ending 2026-09-30
REVENUE
₹1904 Cr
+26.21% YoY
NET PROFIT
₹502 Cr
+298.67% YoY
OPM
65.13%
+21.1pp YoY
EPS
₹31.27
PE 153.28
Intrinsic value · DCF: N/A — Company is currently free-cash-flow negative (-15.8% of mktcap). DCF assumes a going concern generating positive cash flow; a meaningful intrinsic value can only be computed once FCF turns positive. Use the Strategy Fit and ML sections instead.
◇ Sector Position
Compared to peers like BAJFINANCE (PE 30.41, ROCE 5.38%) and SHRIRAMFIN (PE 22.35, ROCE 4.57%), CREDITACC's TTM PE of 153.28 is considerably higher, indicating a premium valuation.
PEERPEROCE %
CREDITACC153.28—
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ML Forward Growth Predictions 🔒
51
SCORE / 100
Overall
6-axis composite of the sections below.
Performance
UNDERPERFORMER
20
Valuation
STRETCHED
5
Growth
STRONG
70
Profitability
HIGH
100
Technicals
WEAK
40
Risk
LOW
70
Key Stats
TTM PE
153.28
P/B
2.65
52W HIGH
₹1634.0
OFF HIGH
-32.52%
MKT CAP
₹17630 Cr
◉ Active Signals
MACDNeutral14.2018
RSI(14)Neutral42.64
Street Consensus
15 analysts₹1674.4
mean target
Low ₹1013.0Now ₹1102.7High ₹1847.0
⧉ Strategy Fit 🔒