CREDITACC - Swing Trade Analysis with AI Signals
Back to List📊 Swing Trade Rating: 3.6
| Stock Code | CREDITACC | Market Cap | 20,828 Cr. | Current Price | 1,300 ₹ | High / Low | 1,497 ₹ |
| Stock P/E | 42.9 | Book Value | 448 ₹ | Dividend Yield | 0.00 % | ROCE | 9.55 % |
| ROE | 7.86 % | Face Value | 10.0 ₹ | DMA 50 | 1,239 ₹ | DMA 200 | 1,256 ₹ |
| Chg in FII Hold | 1.26 % | Chg in DII Hold | -0.64 % | PAT Qtr | 252 Cr. | PAT Prev Qtr | 126 Cr. |
| RSI | 65.9 | MACD | 17.5 | Volume | 5,23,799 | Avg Vol 1Wk | 3,62,259 |
| Low price | 1,066 ₹ | High price | 1,497 ₹ | PEG Ratio | 2.94 | Debt to equity | 2.81 |
| 52w Index | 54.3 % | Qtr Profit Var | 353 % | EPS | 30.3 ₹ | Industry PE | 26.5 |
Analysis: CreditAccess (CREDITACC) shows mixed signals. While quarterly PAT surged significantly (252 Cr. vs 126 Cr.), efficiency metrics like ROCE (9.55%) and ROE (7.86%) remain weak. The debt-to-equity ratio is high at 2.81, adding financial risk. Current price (1,300 ₹) is above both DMA 50 (1,239 ₹) and DMA 200 (1,256 ₹), suggesting short-term bullishness. RSI at 65.9 indicates overbought conditions, while MACD (17.5) supports momentum. Valuation is stretched with P/E of 42.9 compared to industry PE of 26.5, and PEG ratio of 2.94 limits growth potential despite strong EPS (30.3 ₹).
Optimal Entry Price: Around 1,250–1,270 ₹ (near DMA support).
Exit Strategy if Holding: Consider booking profits near 1,380–1,420 ₹ unless momentum breaks above 1,450 ₹ resistance.
✅ Positive
- Quarterly PAT growth (252 Cr. vs 126 Cr.) shows strong improvement.
- EPS of 30.3 ₹ supports earnings visibility.
- FII holdings increased (+1.26%), showing foreign investor confidence.
- Stock trading above DMA 50 and DMA 200 indicates short-term bullish trend.
⚠️ Limitation
- High debt-to-equity ratio (2.81) adds financial risk.
- Weak ROCE (9.55%) and ROE (7.86%) reflect poor efficiency.
- DII holdings decreased (-0.64%), showing reduced domestic interest.
- Valuation premium with P/E well above industry average.
📰 Company Negative News
- No major negative news reported, but high debt and weak efficiency metrics are concerns.
🌟 Company Positive News
- Quarterly profit growth is strong, boosting investor sentiment.
- Foreign institutional investors increased their stake.
🏭 Industry
- Industry P/E at 26.5 suggests CreditAccess trades at a premium.
- NBFC sector remains growth-oriented but faces credit risk challenges.
📌 Conclusion
CreditAccess is a moderately risky candidate for swing trading. Entry around 1,250–1,270 ₹ offers a safer setup, while exit near 1,380–1,420 ₹ is advisable unless momentum breaks above 1,450 ₹. Strong quarterly profit growth and FII support are positives, but high debt and stretched valuation warrant caution.
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