CREDITACC (CreditAccess Grameen Ltd) vs BSE Sensex 30 Comparison

CREDITACC

BSE Sensex 30

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CREDITACC

BSE Sensex 30

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CREDITACC

BSE Sensex 30

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BSE Sensex 30

CREDITACC

AXP

COF

BAJFINANCE

DFS

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CreditAccess Grameen Ltd
Glance View

Market Cap

164B INR

Industry

Financial Services

In the vibrant labyrinth of India’s financial landscape, CreditAccess Grameen Ltd. stands as a testament to transforming lives through microfinance. Originating in 1999 as Grameen Koota, a project under the NGO T. Muniswamappa Trust, it has evolved into one of India's largest microfinance institutions. The company primarily targets rural India, focusing on empowering women entrepreneurs by providing small, collateral-free loans for income-generating activities. By doing so, CreditAccess Grameen weaves a financial safety net around communities, fostering economic resilience and promoting self-reliance. The company's operational model rests on meticulous due diligence and the formation of self-help groups, ensuring that credit reaches those who need it the most and can utilize it effectively. CreditAccess Grameen's business model is ingeniously straightforward yet impactful. It earns its revenue predominantly from the interest on loans provided to its borrowers. With a portfolio spread across agrarian and non-agrarian sectors, the company services an array of economic activities - from farming and trading to small manufacturing. What sets it apart is its grass-roots engagement strategy, maintaining close relationships with clients through regular interactions, thereby reducing the risks typically associated with microfinance. This method ensures high repayment rates, which in turn sustains its growth and profitability. By equipping the underserved with the financial tools they need, CreditAccess Grameen Ltd. not only thrives as a business but also plays a pivotal role in catalyzing socio-economic change in rural India.

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CREDITACC Intrinsic Value

What is Intrinsic Value?

Economic Moat is a concept popularized by Warren Buffett to describe a company's durable competitive advantage. It represents the 'moat' that protects a company from competitors and helps it sustain profitability over the long term. Our analysis of the past 10 years showed that companies with a wide economic moat significantly outperformed the market, delivering +645% returns compared to +189% for the S&P 500.

Our research into Economic Moat performance spans the past 10 years and focuses on companies with a wide economic moat. For this analysis, we calculated the average stock price returns of these companies, comparing them to the performance of the S&P 500 index over the same period.

The results were compelling: wide moat stocks achieved a remarkable +645% average return, compared to +188% for the broader market. This difference highlights the long-term benefits of investing in businesses that can maintain their market position and pricing power over time.

Note: This research does not account for survivorship bias. Past performance is not indicative of future results.

Determining whether a company has an economic moat requires both a deep dive into financial metrics and a qualitative assessment of its competitive position. Our analysts conduct a rigorous evaluation that focuses on identifying structural advantages that enable a company to sustain profitability and defend its market share over the long term.

The process begins with an analysis of a company’s historical financial performance. We assess how consistently the company has generated returns above its cost of capital and whether those returns have been stable or improving. However, financial performance alone doesn’t reveal the full picture. To understand the sources of these advantages, we evaluate five key drivers of economic moats:

Network Effect: We analyze whether the value of a company’s product or service grows as its user base expands. Platforms like payment systems or marketplaces benefit from this self-reinforcing.

Switching Costs: We assess whether customers face significant costs or disruptions when switching to a competitor’s product or service. High switching costs create customer stickiness and provide pricing power.

Intangible Assets: Strong brands, patents, and regulatory licenses can protect a company’s market position by creating barriers for competitors or enabling premium pricing. For example, a well-recognized consumer brand may command higher customer loyalty and margins.

Efficient scale: Occurs when a market is optimally served by one or a few players, making it unprofitable for new entrants to compete. This typically happens in industries with high fixed costs or geographic constraints, such as utilities or pipelines.

Cost Advantage: Companies with structural cost advantages can produce goods or services at a lower cost than their competitors, enabling them to offer competitive pricing or maintain higher margins. These advantages often arise from economies of scale, superior supply chain management, or proprietary technology. Firms like Walmart leverage their massive scale to negotiate better terms with suppliers, allowing them to undercut competitors on price.

By examining these factors in combination with a company’s financial performance and market positioning, we classify each company into one of three categories:

This rigorous evaluation ensures that our moat ratings are both comprehensive and reliable, giving investors the tools they need to make well-informed, long-term decisions.

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IN		Shriram Finance Ltd NSE:SHRIRAMFIN	Add
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US		American Express Co NYSE:AXP	Select
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IN		Bajaj Finance Ltd NSE:BAJFINANCE	Select
US		Discover Financial Services NYSE:DFS	Select
US		Synchrony Financial NYSE:SYF	Select
KZ	K	Kaspi.kz AO NASDAQ:KSPI	Select
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US	S	Santander Consumer USA Holdings Inc F:77S	Select
IN		Shriram Finance Ltd NSE:SHRIRAMFIN	Select
IN		Cholamandalam Investment and Finance Company Ltd NSE:CHOLAFIN	Select

US		American Express Co NYSE:AXP	Add
US		Capital One Financial Corp NYSE:COF	Add
IN		Bajaj Finance Ltd NSE:BAJFINANCE	Add
US		Discover Financial Services NYSE:DFS	Add
US		Synchrony Financial NYSE:SYF	Add
KZ	K	Kaspi.kz AO NASDAQ:KSPI	Add
US		SoFi Technologies Inc NASDAQ:SOFI	Add
US	S	Santander Consumer USA Holdings Inc F:77S	Add
IN		Shriram Finance Ltd NSE:SHRIRAMFIN	Add
IN		Cholamandalam Investment and Finance Company Ltd NSE:CHOLAFIN	Add

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CREDITACC

vs

BSE Sensex 30

Stocks Performance
CREDITACC vs BSE Sensex 30

Performance Gap
CREDITACC vs BSE Sensex 30

Performance By Year
CREDITACC vs BSE Sensex 30

Competitors Performance
CreditAccess Grameen Ltd vs Peers

CreditAccess Grameen Ltd
Glance View

Company

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CREDITACC vs BSE Sensex 30

Stocks Performance CREDITACC vs BSE Sensex 30

Performance Gap CREDITACC vs BSE Sensex 30

Performance By Year CREDITACC vs BSE Sensex 30

Competitors Performance CreditAccess Grameen Ltd vs Peers

CreditAccess Grameen Ltd Glance View

Company

Help

Tools

Stocks

CREDITACC

vs

BSE Sensex 30

Stocks Performance
CREDITACC vs BSE Sensex 30

Performance Gap
CREDITACC vs BSE Sensex 30

Performance By Year
CREDITACC vs BSE Sensex 30

Competitors Performance
CreditAccess Grameen Ltd vs Peers

CreditAccess Grameen Ltd
Glance View