⚠ Disclaimer: This report is generated using AI tools and is for informational purposes only. It does not constitute investment advice. Please consult a registered financial advisor before making any investment decisions.
CREDITACC - Swing Trade Analysis with AI Signals
Back to ListSwing Trade Rating: 3.2
| Stock Code | CREDITACC | Market Cap | 21,135 Cr. | Current Price | 1,320 ₹ | High / Low | 1,497 ₹ |
| Stock P/E | 43.5 | Book Value | 448 ₹ | Dividend Yield | 0.00 % | ROCE | 9.55 % |
| ROE | 7.86 % | Face Value | 10.0 ₹ | DMA 50 | 1,312 ₹ | DMA 200 | 1,275 ₹ |
| Chg in FII Hold | -0.61 % | Chg in DII Hold | -0.10 % | PAT Qtr | 252 Cr. | PAT Prev Qtr | 126 Cr. |
| RSI | 43.6 | MACD | -4.65 | Volume | 4,42,106 | Avg Vol 1Wk | 7,53,671 |
| Low price | 848 ₹ | High price | 1,497 ₹ | PEG Ratio | 2.98 | Debt to equity | 2.81 |
| 52w Index | 72.8 % | Qtr Profit Var | 353 % | EPS | 30.3 ₹ | Industry PE | 25.0 |
📊 CreditAccess Grameen (CREDITACC) shows strong profit growth but faces high valuation, weak efficiency ratios, and heavy leverage. It is a moderate candidate for swing trading, suitable only for cautious short-term trades.
✅ Optimal Entry Price: 1,300–1,310 ₹ (near 50 DMA support)
🚪 Exit Strategy if Holding: Consider exiting near 1,360–1,380 ₹ (short-term resistance zone) or if RSI moves above 55.
Positive
- 💡 EPS of 30.3 ₹ supports earnings strength.
- 📈 Quarterly PAT surged from 126 Cr. to 252 Cr. (+353%), showing strong growth.
- 📊 Current price above both 50 DMA (1,312 ₹) and 200 DMA (1,275 ₹), indicating technical support.
- 🏦 Large market cap of 21,135 Cr. ensures liquidity.
Limitation
- ⚠️ High P/E (43.5) compared to industry average (25.0), suggesting overvaluation.
- 📉 Low ROCE (9.55%) and ROE (7.86%) indicate weak efficiency.
- 🔻 Debt-to-equity ratio of 2.81 shows heavy leverage risk.
- 📊 Dividend yield is 0.00%, offering no passive income.
- 📉 MACD (-4.65) signals weak momentum.
Company Negative News
- 📉 Decline in FII holdings (-0.61%) and DII holdings (-0.10%) shows reduced institutional confidence.
- 📊 High leverage raises concerns about financial flexibility.
Company Positive News
- 📈 Strong quarterly profit growth indicates operational improvement.
- 📊 EPS growth supports valuation despite high P/E.
Industry
- 🏭 Industry P/E at 25.0 is lower than CREDITACC’s 43.5, highlighting premium valuation.
- 📈 Microfinance sector remains in demand, supported by rural credit expansion and financial inclusion initiatives.
Conclusion
🔎 CREDITACC is fundamentally overvalued but shows strong short-term profit momentum. Swing traders may enter near 1,300–1,310 ₹ and exit near 1,360–1,380 ₹. Caution is advised due to high leverage and weak efficiency ratios, making this more suitable for short-term trades rather than long-term holding.