CreditAccess Grameen Ltd's Q4FY25 Quarter Results
- 17 May 2025
Result Summary
- CreditAccess Grameen Ltd reported a 5.6% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Mar (Q4FY25). On a year-on-year (YoY) basis, it witnessed a growth of 36.8%.
- Its expenses for the quarter were up by 2.3% QoQ and 37.8% YoY.
- The net profit decreased 499.0% QoQ and increased 33.9% YoY.
- The earnings per share (EPS) of CreditAccess Grameen Ltd stood at 24.8 during Q4FY25.
Financial Statments for Q4FY25
| (₹ crores) | Q4FY25 | Q3FY25 | Q4FY24 | QoQ (%) | YoY (%) |
|---|---|---|---|---|---|
Total Income | 1459.10 | 1381.93 | 1066.24 | 5.6% | 36.8% |
Total Expenses | 776.32 | 759.00 | 563.37 | 2.3% | 37.8% |
Profit Before Tax | 529.46 | -128.93 | 397.55 | -510.7% | 33.2% |
Tax | 132.38 | -29.41 | 100.98 | -550.1% | 31.1% |
Profit After Tax | 397.08 | -99.52 | 296.57 | -499.0% | 33.9% |
Earnings Per Share | 24.80 | -6.20 | 18.60 | -500.0% | 33.3% |
Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results
Company Overview
CreditAccess Grameen Ltd is a prominent microfinance institution in India, primarily engaged in providing financial services to low-income households. It operates in the microfinance industry, offering products such as micro-loans to women entrepreneurs and small businesses to support income-generating activities. The company focuses on empowering women in rural and semi-urban areas by providing them access to credit. As of the latest quarter, there have been no specific major developments provided in the data regarding the company's operations or strategic initiatives.
Revenue
In Q4FY25, CreditAccess Grameen Ltd reported a total income of ₹1,459.10 crores, marking a quarter-over-quarter growth of 5.6% from ₹1,381.93 crores in Q3FY25. This also represents a significant year-over-year increase of 36.8% compared to ₹1,066.24 crores in Q4FY24. The consistent growth in total income highlights the company's expansion and increased revenue generation over the past year, reflecting its ability to enhance its service offerings and customer base.
Profitability
The company recorded a profit before tax of ₹529.46 crores in Q4FY25, a substantial improvement from a loss of ₹128.93 crores in the preceding quarter. This change indicates a remarkable shift in financial performance, with a quarter-over-quarter change of -510.7%. Year over year, the profit before tax increased by 33.2% from ₹397.55 crores in Q4FY24. The tax expense for Q4FY25 was ₹132.38 crores, compared to a negative tax figure in Q3FY25, resulting in a profit after tax of ₹397.08 crores. This marks a significant recovery from a loss of ₹99.52 crores in Q3FY25 and a year-over-year increase of 33.9% from ₹296.57 crores in Q4FY24. Earnings per share also rebounded from a negative figure in the previous quarter to ₹24.80, showing a 33.3% increase from ₹18.60 in Q4FY24.
Operating Metrics
Total expenses for Q4FY25 stood at ₹776.32 crores, reflecting a slight increase of 2.3% from ₹759.00 crores in Q3FY25 and a year-over-year rise of 37.8% from ₹563.37 crores in Q4FY24. The company's ability to manage its expenses while achieving higher total income has contributed to its improved profitability metrics. The data points to a robust financial performance, with notable improvements in key operating and profitability indicators over the quarter and year. However, without additional context, specific financial ratios such as P/E ratio, debt-to-equity ratio, or current ratio cannot be calculated from the provided data.