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CREDITACC - Technical Analysis with Chart Patterns & Indicators
Last Updated Time : 20 Dec 25, 03:54 pm
Back to Technical ListTechnical Rating: 3.0
| Stock Code | CREDITACC | Market Cap | 20,523 Cr. | Current Price | 1,283 ₹ | High / Low | 1,490 ₹ |
| Stock P/E | 153 | Book Value | 448 ₹ | Dividend Yield | 0.00 % | ROCE | 9.55 % |
| ROE | 7.86 % | Face Value | 10.0 ₹ | DMA 50 | 1,330 ₹ | DMA 200 | 1,266 ₹ |
| Chg in FII Hold | 0.16 % | Chg in DII Hold | 0.57 % | PAT Qtr | 126 Cr. | PAT Prev Qtr | 60.2 Cr. |
| RSI | 40.2 | MACD | -25.9 | Volume | 54,831 | Avg Vol 1Wk | 1,53,445 |
| Low price | 750 ₹ | High price | 1,490 ₹ | PEG Ratio | 10.5 | Debt to equity | 2.81 |
| 52w Index | 72.0 % | Qtr Profit Var | -32.4 % | EPS | 8.36 ₹ | Industry PE | 80.3 |
📊 Technical Analysis
- Chart Patterns: Price (1,283 ₹) is below 50 DMA (1,330 ₹) but above 200 DMA (1,266 ₹), showing short-term weakness but long-term support.
- Moving Averages: Bearish short-term (below 50 DMA), neutral long-term (above 200 DMA).
- RSI: 40.2 → weak momentum, close to oversold territory.
- MACD: -25.9 → bearish crossover, confirming downward momentum.
- Bollinger Bands: Price near lower band, suggesting possible bounce but risk of further decline.
- Volume Trends: Current volume (54,831) is far below 1-week average (1,53,445), showing weak participation.
📈 Momentum & Signals
- Short-term Momentum: Bearish bias due to RSI and MACD weakness.
- Support Zones: 1,250 ₹ (near-term), 1,200 ₹ (strong support), 1,050 ₹ (major support).
- Resistance Zones: 1,330 ₹ (50 DMA), 1,400 ₹ (psychological), 1,490 ₹ (recent high).
- Optimal Entry: 1,200–1,250 ₹ range if RSI dips closer to 35.
- Optimal Exit: 1,400–1,450 ₹ range unless breakout above 1,490 ₹.
- Trend Status: Consolidating with bearish bias; reversal only if price sustains above 1,330 ₹.
✅ Positive
- Price still above 200 DMA, showing long-term support.
- PAT recovery (126 Cr. vs 60.2 Cr. previous quarter).
- FII (+0.16%) and DII (+0.57%) holdings increased, showing institutional confidence.
⚠️ Limitation
- High P/E (153) compared to industry PE (80.3).
- Low EPS (8.36 ₹) and weak ROE (7.86%).
- Debt-to-equity ratio at 2.81 indicates leverage risk.
📉 Company Negative News
- Quarterly profit variation down by -32.4%.
- No dividend yield (0.00%), limiting shareholder returns.
📈 Company Positive News
- Strong PAT recovery in latest quarter.
- Institutional investors increasing stake.
🏭 Industry
- Industry PE at 80.3, showing sector is richly valued.
- Credit sector demand remains strong, but valuations are stretched.
🔎 Conclusion
- Stock is consolidating with bearish short-term signals.
- Best entry near 1,200–1,250 ₹; exit near 1,400–1,450 ₹.
- Long-term investors should monitor debt levels and earnings growth before committing.
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