CREDITACC Q1 FY27 results at a glance
CREDITACCESS GRAMEEN LTD Q1 FY27 key results metrics| Quarter | Q1 FY27 |
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| Quarter ended | 30 Jun 2026 |
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| Revenue | ₹1,749 cr |
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| Revenue YoY | +23.6% |
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| Operating profit | ₹837 cr |
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| Operating margin | 47.9% |
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| Net profit | ₹493 cr |
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| Net profit YoY | +719.7% |
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| Net profit QoQ | +45.3% |
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| Net margin | 28.2% |
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| Basic EPS | ₹30.79 |
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| TTM revenue | ₹6,205 cr |
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| TTM net profit | ₹1,145 cr |
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| TTM net margin | 18.5% |
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CREDITACC Q1 FY27 results: what the numbers say
CREDITACCESS GRAMEEN LTD (CREDITACC) has reported its Q1 FY27 results for the quarter ended 2026-06-30. The company posted revenue of ₹1,749 cr and a net profit of ₹493 cr, translating into earnings per share of ₹30.79.
Compared with the same quarter a year earlier, revenue grew strongly by +23.6% and net profit grew sharply by +719.7%. Profit rising faster than revenue points to better cost control or operating leverage flowing through the P&L.
Operating profit for the quarter stood at ₹837 cr, an operating margin of 47.9% versus 42.7% a year ago — a gain of 5.2 percentage points.
CREDITACC quarter-wise results table
Revenue
₹1,749 cr
+23.6% YoY
Net profit
₹493 cr
+719.7% YoY
Operating profit
₹837 cr
+38.6% YoY
CREDITACCESS GRAMEEN LTD (CREDITACC) quarter-wise results — revenue, operating profit, net profit, margins, EPS and growth| Quarter | Revenue | Operating profit | Net profit | OPM | Net margin | EPS | Profit YoY | Profit QoQ |
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| Q1 FY272026-06-30 | ₹1,749 cr | ₹837 cr | ₹493 cr | 47.9% | 28.2% | ₹30.79 | +719.7% | +45.3% |
| Q4 FY262026-03-31 | ₹1,573 cr | ₹755 cr | ₹340 cr | 48.0% | 21.6% | ₹21.20 | +619.2% | +34.7% |
| Q3 FY262025-12-31 | ₹1,469 cr | ₹658 cr | ₹252 cr | 44.8% | 17.2% | ₹15.76 | — | +318.8% |
| Q1 FY262025-06-30 | ₹1,414 cr | ₹604 cr | ₹60.19 cr | 42.7% | 4.3% | ₹3.77 | — | +27.5% |
| Q4 FY252025-03-31 | ₹1,387 cr | ₹613 cr | ₹47.21 cr | 44.2% | 3.4% | ₹2.96 | — | — |
| TTM (last 4 quarters) | ₹6,205 cr | ₹2,853 cr | ₹1,145 cr | 46.0% | 18.5% | ₹71.52 | — | — |
Consolidated figures as reported to the exchanges, shown in ₹ crore. OPM = operating profit margin. Updated automatically whenever a new quarter is filed.
CREDITACC quarterly income statement
Line-item results for the last six quarters as filed — sales, expenses, operating profit, interest, tax and profit after tax in ₹ crore.
CREDITACCESS GRAMEEN LTD quarterly income statement| Particulars | Q1 FY272026-06-30 | Q4 FY262026-03-31 | Q3 FY262025-12-31 | Q1 FY262025-06-30 | Q4 FY252025-03-31 |
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| Revenue / Sales | ₹1,749 cr | ₹1,573 cr | ₹1,469 cr | ₹1,414 cr | ₹1,387 cr |
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| Total expenses | ₹912 cr | ₹818 cr | ₹811 cr | ₹811 cr | ₹774 cr |
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| Gross profit | ₹956 cr | ₹882 cr | ₹782 cr | ₹710 cr | ₹733 cr |
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| Operating profit (EBIT) | ₹837 cr | ₹755 cr | ₹658 cr | ₹604 cr | ₹613 cr |
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| Operating margin | 47.9% | 48.0% | 44.8% | 42.7% | 44.2% |
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| Profit before tax | ₹660 cr | ₹445 cr | ₹338 cr | ₹81.12 cr | ₹51 cr |
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| Tax expense | ₹167 cr | ₹105 cr | ₹85.83 cr | ₹20.93 cr | ₹3.87 cr |
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| Effective tax rate | 25.2% | 23.7% | 25.4% | 25.8% | 7.6% |
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| Net profit (PAT) | ₹493 cr | ₹340 cr | ₹252 cr | ₹60.19 cr | ₹47.21 cr |
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| Net profit margin | 28.2% | 21.6% | 17.2% | 4.3% | 3.4% |
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| Basic EPS | ₹30.79 | ₹21.20 | ₹15.76 | ₹3.77 | ₹2.96 |
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| Diluted EPS | ₹30.65 | ₹21.11 | ₹15.68 | ₹3.76 | ₹2.95 |
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CREDITACC results growth — YoY and QoQ
Quarterly growth rates, year on year and quarter on quarter| Growth | Q1 FY27 | Q4 FY26 | Q3 FY26 | Q1 FY26 | Q4 FY25 |
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| Revenue YoY | +23.6% | +13.5% | — | — | — |
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| Revenue QoQ | +11.1% | +7.1% | +3.8% | +2.0% | — |
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| Operating profit YoY | +38.6% | +23.2% | — | — | — |
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| Operating profit QoQ | +10.8% | +14.8% | +8.9% | -1.5% | — |
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| Net profit YoY | +719.7% | +619.2% | — | — | — |
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| Net profit QoQ | +45.3% | +34.7% | +318.8% | +27.5% | — |
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| EPS YoY | +716.7% | +616.2% | — | — | — |
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| EPS QoQ | +45.2% | +34.5% | +318.0% | +27.4% | — |
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CREDITACC annual results history
Full-year performance for CREDITACCESS GRAMEEN LTD, useful for reading each quarter in context.
CREDITACCESS GRAMEEN LTD annual income statement| Particulars | FY262026-03-31 | FY252025-03-31 | FY242024-03-31 | FY232023-03-31 |
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| Revenue / Sales | ₹5,833 cr | ₹5,539 cr | ₹4,905 cr | ₹3,297 cr |
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| Total expenses | ₹3,067 cr | ₹2,911 cr | ₹2,552 cr | ₹1,882 cr |
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| Gross profit | ₹3,350 cr | ₹3,151 cr | ₹2,803 cr | ₹1,787 cr |
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| Operating profit (EBIT) | ₹2,766 cr | ₹2,628 cr | ₹2,353 cr | ₹1,415 cr |
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| Operating margin | 47.4% | 47.5% | 48.0% | 42.9% |
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| Interest cost | ₹139 cr | ₹198 cr | ₹218 cr | ₹159 cr |
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| Profit before tax | ₹1,033 cr | ₹709 cr | ₹1,939 cr | ₹1,105 cr |
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| Tax expense | ₹256 cr | ₹177 cr | ₹493 cr | ₹279 cr |
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| Effective tax rate | 24.7% | 25.0% | 25.4% | 25.3% |
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| Net profit (PAT) | ₹778 cr | ₹531 cr | ₹1,446 cr | ₹826 cr |
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| Net profit margin | 13.3% | 9.6% | 29.5% | 25.1% |
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| Basic EPS | ₹48.63 | ₹33.32 | ₹90.88 | ₹52.04 |
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| Diluted EPS | ₹48.44 | ₹33.24 | ₹90.41 | ₹51.82 |
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Revenue trend and demand read-through
Topline for Q1 FY27 came in at ₹1,749 cr against ₹1,414 cr in Q1 FY26, and ₹1,573 cr in the preceding Q4 FY26 quarter.
On a sequential basis revenue grew +11.1%. Sequential moves are the quickest read on demand momentum because they strip out the base effect of a year-old quarter, though seasonality can distort a single quarter.
Total expenses for the quarter were ₹912 cr, or 52.1% of revenue, with operating profit grew +38.6% year on year.
Margins, tax and profitability
Net profit of ₹493 cr works out to a net margin of 28.2% compared with 4.3% in the year-ago quarter. Margin expansion of this kind usually reflects a better product or service mix, softer input costs, or tighter overheads.
Below the operating line, CREDITACCESS GRAMEEN LTD reported profit before tax of ₹660 cr, a tax charge of ₹167 cr (effective rate 25.2%). Reading these together with operating profit shows how much of the quarter's earnings were driven by the core business versus financing and tax movements.
Sequentially, net profit moved from ₹340 cr in Q4 FY26 to ₹493 cr in Q1 FY27, a change of +45.3%.
Trailing twelve months and annual context
Across the trailing four quarters CREDITACCESS GRAMEEN LTD has generated revenue of ₹6,205 cr and net profit of ₹1,145 cr, a trailing net margin of 18.5%. The trailing view smooths out one-off quarters and is the number most valuation multiples are built on.
On a full-year basis, FY26 revenue was ₹5,833 cr with net profit of ₹778 cr and EPS of ₹48.63, versus the prior year where revenue grew +5.3% and profit grew +46.3%.
What to watch in the next CREDITACC quarter
For the coming quarters the numbers worth tracking on this page are revenue momentum, the operating margin trend and whether EPS keeps pace with profit growth. A sustained run of year-on-year profit growth is what usually drives a re-rating rather than any single quarter.
CREDITACCESS GRAMEEN LTD has not yet intimated its next results date to the exchange. This page refreshes automatically from filings and the board-meeting calendar, so the tables above will reflect the next quarter as soon as it is reported.
All figures here are as reported to the exchanges and shown in ₹ crore, without adjustment. This is information and analysis, not investment advice.
CREDITACC results coverage
No results report published for CREDITACC yet — our desk covers each quarter within minutes of the filing.
CREDITACC quarterly results FAQs
What were CREDITACCESS GRAMEEN LTD (CREDITACC) Q1 FY27 results?
In Q1 FY27 (quarter ended 30 Jun 2026), CREDITACCESS GRAMEEN LTD reported revenue of ₹1,749 cr and net profit of ₹493 cr, a change of +719.7% year on year on +23.6% revenue growth. EPS stood at ₹30.79.
What is CREDITACC profit margin in Q1 FY27?
CREDITACCESS GRAMEEN LTD posted a net profit margin of 28.2% and an operating margin of 47.9% in Q1 FY27. On a trailing twelve-month basis, revenue is ₹6,205 cr and net profit ₹1,145 cr.
Did CREDITACC results beat the previous quarter?
CREDITACCESS GRAMEEN LTD net profit changed +45.3% quarter on quarter, from ₹340 cr in Q4 FY26 to ₹493 cr in Q1 FY27.
When are CREDITACCESS GRAMEEN LTD (CREDITACC) quarterly results?
CREDITACCESS GRAMEEN LTD has not yet intimated its next results date to the exchange. This page updates automatically from the exchange board-meeting calendar.
Where can I see CREDITACC latest quarterly results?
Results coverage for CREDITACC will appear here as soon as the company reports. Meanwhile you can track live price and technicals on the CREDITACC stock page.
What is CREDITACCESS GRAMEEN LTD annual revenue and profit?
For FY26, CREDITACCESS GRAMEEN LTD reported full-year revenue of ₹5,833 cr and net profit of ₹778 cr, with EPS of ₹48.63.
How many quarterly results has CREDITACC declared recently?
Past results dates for CREDITACC will be listed here from the exchange calendar.
Results dates sourced from the exchange board-meeting calendar; reported figures from company filings, last refreshed 12 Sept 2026. For information only, not investment advice.
