**Creditaccess Grameen Q3 Results 2025**
On January 24, 2025, Creditaccess Grameen announced its Q3 results, revealing a 7.2% increase in topline revenue. However, the company reported a substantial loss of ₹99.52 crore, a stark contrast to the profit of ₹353.34 crore recorded during the same quarter of the previous fiscal year. Additionally, revenue declined by 4.92% compared to the previous quarter.
Despite the overall revenue growth, Selling, General & Administrative expenses decreased by 4.63% quarter-over-quarter, although they rose by 18.8% year-over-year, indicating mixed results in managing operational costs amid fluctuating revenues. The operating income saw a dramatic drop of 54.11% from the previous quarter and a 63.3% decrease year-over-year, underscoring significant operational challenges faced by the company during this period. The earnings per share (EPS) for Q3 was ₹24.4, reflecting a year-over-year decline of 12.54%.
In terms of stock performance, Creditaccess Grameen has achieved a 7.2% return over the past week, but the stock has experienced a decline of 23.59% over the last six months, with a year-to-date return of 9.56%. The company currently has a market capitalization of ₹15,502.27 crore, with a 52-week high of ₹1,660 and a low of ₹810.
As of January 25, 2025, among the 17 analysts covering Creditaccess Grameen, 2 have issued a Sell rating, 2 have a Hold rating, 7 have recommended a Buy rating, and 6 have given a Strong Buy rating. The consensus recommendation leans towards a Buy, indicating a cautiously optimistic outlook for the company’s future performance.
**Creditaccess Grameen Financials**
| Period | Q3 (FY25) | Q2 (FY25) | Q-o-Q Growth | Q3 (FY24) | Y-o-Y Growth |
|———————-|———–|———–|————–|———–|————–|
| Total Revenue | 1362.56 | 1433.05 | -4.92% | 1271.1 | +7.2% |
| Selling/General/Admin Expenses Total | 173.18 | 181.58 | -4.63% | 145.78 | +18.8% |
| Depreciation/Amortization | 15.53 | 17.19 | -9.66% | 13.06 | +18.91% |
| Total Operating Expense | 1030.87 | 710.08 | +45.17% | 367.23 | +180.7% |
| Operating Income | 331.76 | 722.97 | -54.11% | 903.87 | -63.3% |
| Net Income Before Taxes | -128.93 | 251.99 | -151.16% | 475.57 | -127.11% |
| Net Income | -99.52 | 186.06 | -153.49% | 353.34 | -128.17% |
| Diluted Normalized EPS | 24.4 | 30.97 | -21.21% | 27.9 | -12.54% |
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