CREDITACC - IntraDay Trade Analysis with Live Signals

Last Updated Time : 20 Dec 25, 07:02 am

IntraDay Trade Rating: 2.8

📊 Analysis: CREDITACC shows weak intraday momentum with RSI at 40.2 (near oversold but not yet reversal), negative MACD (-25.9), and below-average volume compared to its 1-week average. Current price (₹1,283) is below the 50 DMA (₹1,330) but slightly above the 200 DMA (₹1,266), indicating sideways consolidation with bearish bias.

• 💡 Optimal Buy Price: Around ₹1,270–₹1,280 if intraday support holds near 200 DMA.
• 📈 Profit-Taking Exit Levels: ₹1,305 (minor resistance), ₹1,330 (50 DMA resistance).
• ⚠️ Stop-Loss / Loss Protection: ₹1,260 (below 200 DMA support).
• ⏱️ If Already Holding: Exit near ₹1,305–₹1,330 if momentum fails to pick up; cut positions if price breaks below ₹1,260 with rising volume.

Positive

• 📌 PAT growth from ₹60.2 Cr. to ₹126 Cr. sequentially.
• 📌 Institutional holding increased (FII +0.16%, DII +0.57%).
• 📌 Trading above 200 DMA, showing medium-term support.

Limitation

• ⚠️ Very high P/E (153 vs industry 80.3) — overvaluation risk.
• ⚠️ Weak ROE (7.86%) and ROCE (9.55%).
• ⚠️ Debt-to-equity ratio of 2.81 — leverage concerns.
• ⚠️ Intraday volume significantly below average (54,831 vs 1,53,445).

Company Negative News

• ❌ Quarterly profit variation at -32.4% indicates earnings volatility.
• ❌ No dividend yield — limited shareholder return.

Company Positive News

• ✅ Strong sequential PAT recovery (Qtr-on-Qtr improvement).
• ✅ EPS at ₹8.36 shows earnings stability despite high valuation.

Industry

• 🏦 Industry P/E at 80.3 — sector is richly valued.
• 🏦 CREDITACC trades at premium multiples compared to peers.

Conclusion

⚖️ CREDITACC is not an ideal intraday candidate today due to weak momentum, low volume, and high valuation. Short-term traders may attempt small positions near ₹1,270–₹1,280 with tight stop-loss at ₹1,260 and profit exits capped at ₹1,305–₹1,330. Risk-reward is limited, so caution is advised.

Would you like me to also prepare a basket overlay with peer benchmarking so you can compare CREDITACC against sector peers for intraday rotation opportunities?