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CreditAccess GrameenBOM:541770 -2.70%88 Return-on-Tangible-Equity is 26.72% as of Jun. 2026, which is 93% above its 10-year median of 13.88. GuruFocus rates BOM:541770 with a GF Score™ of 88/100 and a GF Value™ of ₹1,423.08 (Fairly Valued). The stock has 6 warning signs investors should review. Among 531 Credit Services companies, CreditAccess Grameen ranks better than 80.04% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. CreditAccess Grameen's annualized net income for the quarter that ended in Jun. 2026 was ₹19,736 Mil. CreditAccess Grameen's average shareholder tangible equity for the quarter that ended in Jun. 2026 was ₹73,859 Mil. Therefore, CreditAccess Grameen's annualized Return-on-Tangible-Equity for the quarter that ended in Jun. 2026 was 26.72%.
The historical rank and industry rank for CreditAccess Grameen's Return-on-Tangible-Equity or its related term are showing as below:
BOM:541770'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 4.79 Med: 13.88 Max: 27.08
Current: 17.66
During the past 13 years, CreditAccess Grameen's highest Return-on-Tangible-Equity was 27.08%. The lowest was 4.79%. And the median was 13.88%.
BOM:541770's Return-on-Tangible-Equity is ranked better than 80.04% of 531
companies
in the Credit Services industry
Industry Median: 7.17
vs BOM:541770: 17.66
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
CreditAccess Grameen Return-on-Tangible-Equity Related Terms
CreditAccess Grameen Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for CreditAccess Grameen's Return-on-Tangible-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
BOM:541770 vs V, MA, AXP: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, CreditAccess Grameen's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
CreditAccess Grameen Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, CreditAccess Grameen's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where CreditAccess Grameen's Return-on-Tangible-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Jun. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 26.72% mean?
CreditAccess Grameen (BOM:541770) has a Return-on-Tangible-Equity of 26.72% as of Jun. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on CreditAccess Grameen and its competitors. This is 93% above median its historical median of 13.88. Over the past decade, CreditAccess Grameen's Return-on-Tangible-Equity has ranged from 4.79 to 27.08. According to the industry distribution chart, CreditAccess Grameen ranks #106 out of 531 companies in the Credit Services industry, placing it in the top 20%.
Is CreditAccess Grameen's Return-on-Tangible-Equity too high?
CreditAccess Grameen's current Return-on-Tangible-Equity of 26.72% is 93% above median its 10-year median of 13.88. Over the past 10 years, this metric has ranged from a low of 4.79 to a high of 27.08. The Credit Services industry median Return-on-Tangible-Equity is 7.17. CreditAccess Grameen's value of 26.72% is 272.7% above this industry median. Based on the distribution chart, CreditAccess Grameen ranks #106 out of 531 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, CreditAccess Grameen has a GF Score™ of 88/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does CreditAccess Grameen's Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, CreditAccess Grameen ranks #106 out of 531 companies for Return-on-Tangible-Equity. This places CreditAccess Grameen in the top 20% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 7.17. CreditAccess Grameen's value of 26.72% is 272.7% above this benchmark. Historically, CreditAccess Grameen's own Return-on-Tangible-Equity has ranged from 4.79 to 27.08 over the past decade. While the company's 10-year median is 13.88 vs. the industry median of 7.17, CreditAccess Grameen has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Equity for a Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.17, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CreditAccess Grameen's current Return-on-Tangible-Equity of 26.72% is 272.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on CreditAccess Grameen and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.17 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CreditAccess Grameen's current Return-on-Tangible-Equity is 26.72%, which is 93% above median its own 10-year median of 13.88. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CreditAccess Grameen stock overvalued right now?
Based on GuruFocus' analysis, CreditAccess Grameen (BOM:541770) is currently considered Fairly Valued. The stock's GF Value™ is ₹1,423.08, compared to a current price of ₹1,493.05 — trading 4.9% above its estimated fair value. The current Return-on-Tangible-Equity is 26.72%, which is 93% above median its 10-year median of 13.88 and 272.7% above the Credit Services industry median of 7.17. CreditAccess Grameen's overall GF Score™ is 88/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For CreditAccess Grameen (BOM:541770), the current Return-on-Tangible-Equity is 26.72% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is CreditAccess Grameen (BOM:541770) Overvalued in 2026?
Based on GuruFocus' analysis, CreditAccess Grameen stock appears to be overvalued.
The current stock price of ₹1,493.05 is trading 4.9% above its estimated GF Value™ of ₹1,423.08.
GuruFocus considers CreditAccess Grameen to be Fairly Valued.
Key valuation signals for BOM:541770:
Return-on-Tangible-Equity: 26.72% (93% above median its 10-year median of 13.88)
GF Value™: ₹1,423.08 vs. price of ₹1,493.05 (4.9% above fair value)
Industry Position: 272.7% above the Credit Services median (#106 of 531)
No single metric tells the full story. See the BOM:541770 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CreditAccess Grameen Ltd is focused on providing financial support to women from low-income households engaged in economic activity with limited access to financial services. The Company predominantly offers collateral-free loans to women from low-income households willing to borrow in a group and agree to take joint liability. The wide range of lending products addresses the critical needs of customers throughout their lifecycle and includes income generation, home improvement, children's education, sanitation and personal emergency loans. The key stakeholders of the Company are customers, local communities in the operating regions, shareholders, lenders, investors, regulators, credit rating agencies and other business partners. It operates in India and outside India.
88GF Score
Get the complete analysis for BOM:541770
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