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ROIC % measures how well a company generates cash flow relative to the capital it has invested in its business. It is also called ROC %. CreditAccess Grameen's annualized return on invested capital (ROIC %) for the quarter that ended in Jun. 2026 was 8.55%.
As of today (2026-08-04), CreditAccess Grameen's WACC % is 6.24%. CreditAccess Grameen's ROIC % is 8.00% (calculated using TTM income statement data).
CreditAccess Grameen generates higher returns on investment than it costs the company to raise the capital needed for that investment. It is earning excess returns. A firm that expects to continue generating positive excess returns on new investments in the future will see its value increase as growth increases.
ROIC % measures how well a company generates cash flow relative to the capital it has invested in its business. It is also called ROC %. The reason book values of debt and equity are used is because the book values are the capital the company received when issuing the debt or receiving the equity investments.
There are four key components to this definition. The first is the use of operating income or EBIT rather than net income in the numerator. The second is the tax adjustment to this operating income or EBIT, computed as a hypothetical tax based on an effective or marginal tax rate. The third is the use of book values for invested capital, rather than market values. The final is the timing difference; the capital invested is from the end of the prior year whereas the operating income or EBIT is the current year's number.
Why is ROIC % important?
Because it costs money to raise capital. A firm that generates higher returns on investment than it costs the company to raise the capital needed for that investment is earning excess returns. A firm that expects to continue generating positive excess returns on new investments in the future will see its value increase as growth increases, whereas a firm that earns returns that do not match up to its cost of capital will destroy value as it grows.
As of today, CreditAccess Grameen's WACC % is 6.24%. CreditAccess Grameen's ROIC % is 8.00% (calculated using TTM income statement data).
CreditAccess Grameen generates higher returns on investment than it costs the company to raise the capital needed for that investment. It is earning excess returns. A firm that expects to continue generating positive excess returns on new investments in the future will see its value increase as growth increases.
Be Aware
Like ROE % and ROA %, ROIC % is calculated with only 12 months of data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
* 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.
For the Credit Services subindustry, CreditAccess Grameen's ROIC %, along with its competitors' market caps and ROIC % 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 ROIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, CreditAccess Grameen's ROIC % distribution charts can be found below:
* The bar in red indicates where CreditAccess Grameen's ROIC % falls into.
Note:
The Operating Income data used here is four times the quarterly (Jun. 2026) data.
The tax rate is limited to between 0% and 100%.
* 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.
CreditAccess Grameen (BOM:541770) has a ROIC % of 8.55% as of Jun. 2026. Return on invested capital is the ratio of current-period net income to average two-period invested capital. View historical data on CreditAccess Grameen and its competitors.
Is CreditAccess Grameen's ROIC % too high?
CreditAccess Grameen's current ROIC % is 8.55%. The Credit Services industry median ROIC % is 2.07. CreditAccess Grameen's value of 8.55% is 313% above this industry median. 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 ROIC % compare to V and MA?
CreditAccess Grameen's ROIC % of 8.55% can be compared against companies in the Credit Services industry. The industry median ROIC % is 2.07. CreditAccess Grameen's value of 8.55% is 313% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROIC % for a Credit Services company?
The median ROIC % among Credit Services companies is 2.07, based on 421 companies in the industry. Companies in the top quartile (top 25%) have a ROIC % significantly above this median, while those in the bottom quartile fall well below. However, ROIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CreditAccess Grameen's current ROIC % of 8.55% is 313% 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 ROIC % mean?
A high ROIC % can signal that a stock is expensive relative to its fundamentals. Return on invested capital is the ratio of current-period net income to average two-period invested capital. View historical data on CreditAccess Grameen and its competitors. For the Credit Services industry, the median ROIC % is 2.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CreditAccess Grameen's current ROIC % is 8.55%. 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 ₹1,442.03, compared to a current price of ₹1,556.90 — trading 8% above its estimated fair value. The current ROIC % is 8.55% and 313% above the Credit Services industry median of 2.07. 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 ROIC % calculated?
ROIC % is calculated from a company's financial statements. For CreditAccess Grameen (BOM:541770), the current ROIC % is 8.55% 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 ₹1,556.90 is trading 8% above its estimated GF Value™ of ₹1,442.03.
GuruFocus considers CreditAccess Grameen to be Fairly Valued.
Key valuation signals for BOM:541770:
ROIC %: 8.55%
GF Value™: ₹1,442.03 vs. price of ₹1,556.90 (8% above fair value)
Industry Position: 313% above the Credit Services median
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
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