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CREDITACC

CreditAccess Grameen Limited
Chart
₹1,264.00
Latest Week 2026-06-05
Financial ServicesCredit ServicesMEGA
Snapshot 2026-06-07 · 0.0w · Fresh
0.29
OS Score
35.0%
Value
14.0%
Quality
80.0%
Momentum
4/9
F-Score
0.221
QV
StrategiesValueQualityMomentumCompositeInteractionsFactor AnalysisTrendsFundamentals
Strategy Eligibility
1 of 23 passing
★
OS Composite
✗
↗
Trending Value
✗
◆
Quality × Value
✗
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
✗
◇
VC2 Cheapest
✗
📐
EBITDA/EV
✗
◐
Veiled Value
✗
▣
Piotroski Bargains
✗
🔬
Quality Compounders
✗
📈
Consistent Earners
✗
🌱
GARP
✗
🔄
Shareholder Yield
✗
💰
High Yield
✗
🚀
Momentum Leaders
12-1 25%
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
✗
🛡
Low Volatility
✗
🏷
Sector Cheapest
✗
🧠
Capital Allocators
✗
⚡
Risk-Adj Momentum
✗
V
Value Analysis
Cheapness relative to fundamentals
35.0%ile
P/E
26.0×
P/S
3.4×
P/B
2.6×
E/P
0.0384
FCF Yield
-0.065
EBITDA/EV
0.063
SH Yield
-0.002
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
64.00000000
/100 — 1=cheapest
VC2 (Trending Value)
69.00000000
/100
VC3 (Buyback)
69.00000000
/100
Negative FCF yield (-6.5%) — the business is currently cash-consumptive.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
14.0%ile
ROE
0.099
ROA
0.024
Net Margin
0.132
Op Margin
0.448
GPA
0.098
Current
125.30
F-Score
4/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.044
Earn Growth
0.460
Stability
1.461
lower=better
Accruals
0.111
lower=better
5yr Consist
No
Accruals ratio of 0.111 is elevated — earnings quality may be lower than headline numbers suggest.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
80.0%ile
6M Return
-2.1%
12M Return
5.4%
12-1 Mom
24.8%
Risk-Adj
0.72
Vol 252d
34.6%
Vol 60d
75.5%
↑ Expanding
Max DD 12M
-18.7%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
12-1 momentum of 25% is very strong — a clear uptrend. Near-term vol (76%) is expanding vs long-term (35%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.29
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services · 237 peers
Sector Value %ile
35.3%
Sector Quality %ile
29.0%
P/E z-score
-0.13
P/B z-score
-0.07
Sector Avg OS
48.2%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
SymbolNameOSValueQualityMomentum
DCBBANK DCB Bank Limited 99.0% 94.0% 87.0% 86.0%
SOUTHBANK The South Indian Bank Limited 98.0% 92.0% 67.0% 93.0%
INDIANB Indian Bank 98.0% 89.0% 76.0% 90.0%
JPOLYINVST Jindal Poly Investment and Finance Company Limited 98.0% 84.0% 93.0% 89.0%
CANBK Canara Bank 97.0% 90.0% 67.0% 85.0%
BANKBARODA Bank of Baroda Limited 97.0% 94.0% 70.0% 76.0%
DHANBANK Dhanlaxmi Bank Limited 97.0% 93.0% 76.0% 74.0%
SURYODAY Suryoday Small Finance Bank Limited 96.0% 89.0% 68.0% 84.0%
Factor Interactions
Volatility Expanding
60-day vol (76%) significantly exceeds 252-day (35%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
D
38.7% avg (7 factors)
Quality
C
48.0% avg (7 factors)
Momentum
C
45.9% avg (4 factors)
Risk
C
59.1% avg (1 factors)
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Factor Persistence1 snapshots
FactorCurrentStreakTrendSpark
OS Composite0.290—1—
Value %ile0.350—0—
Quality %ile0.140—1—
Momentum %ile0.800—1—
F-Score4.000—1—
Confidence0.909—1—
Volatility0.346—0—
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
26.02
Earnings Yield (E/P)
0.0384
Price / Sales
3.43
Price / Book
2.58
FCF Yield
-6.5%
EBITDA / EV
6.3%
Sales Yield (1/P·S)
0.1381
Shareholder Yield
Div + net buyback / mktcap
-0.2%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
9.9%
Return on Assets
2.4%
Net Margin
13.2%
Operating Margin
44.8%
Gross Profit / Assets
Novy-Marx GPA
9.8%
Current Ratio
125.30
Accruals Ratio
(NI-OCF)/Assets — lower=better
0.111
MomentumPrice trend strength over different horizons
6M Return
-2.1%
12M Return
5.4%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
24.8%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
0.72
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
4.4%
Earnings Growth (YoY)
46.0%
Earnings Stability (CV)
Lower = more stable
1.461
5yr Consistent
EPS up every year for 5 years
No
Piotroski F-Score
4
Dividend Yield
0.0%
Buyback Yield
-0.2%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
64
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
69
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
69
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity