CREDITACC - Swing Trade Analysis with AI Signals

Last Updated Time : 05 Nov 25, 7:43 am

Swing Trade Rating: 3.5

📈 Current Price: ₹1,380

📊 RSI: 48.9 (Neutral zone)

📈 MACD: 15.0 (Bullish crossover)

📈 DMA 50 / 200: ₹1,365 / ₹1,244 (Price above both averages)

📉 Volume: 2,80,775 vs 1Wk Avg 8,50,417 (Weak momentum)

💰 Market Cap: ₹22,091 Cr

📉 Qtr Profit Var: -32.4%

📈 FII Holding: +0.16%

📈 DII Holding: +0.57%

📌 Optimal Entry Price

🎯 Entry Range: ₹1,360–₹1,375 (Near 50 DMA and support zone)

📤 Exit Strategy

💡 Exit if: Price approaches ₹1,450–₹1,470 or RSI crosses 65 with declining volume.

✅ Positive

• Price trading above both 50 DMA and 200 DMA
• MACD indicates bullish momentum
• EPS of ₹8.36 with PAT growth from ₹60.2 Cr to ₹126 Cr
• FII and DII holdings both increased

⚠️ Limitation

• Very high P/E (165) vs industry average (87.6)
• High debt-to-equity ratio (2.81) raises leverage concerns
• ROCE (9.55%) and ROE (7.86%) are modest
• Volume significantly below average, indicating weak participation
• PEG ratio of 11.3 suggests overvaluation

📰 Company Negative News

• Quarterly profit variation shows a decline of -32.4%
• Valuation metrics indicate overpricing

📈 Company Positive News

• Quarterly PAT doubled from ₹60.2 Cr to ₹126 Cr
• Institutional confidence improved with both FII and DII additions

🏭 Industry

• Industry P/E: 87.6 (still lower than stock P/E)
• NBFC sector remains growth-oriented but sensitive to interest rate cycles and credit quality

🔚 Conclusion

CREDITACC shows early signs of a swing trade opportunity with bullish MACD and institutional support. However, high valuation and weak volume suggest caution. Entry near ₹1,360–₹1,375 is tactical, with an exit target around ₹1,450–₹1,470. A stop-loss below ₹1,330 is recommended to manage downside risk.

I can also track volume and RSI shifts for CREDITACC to help you time your entry and exit more precisely.