Capri Global Capital
Capri Global Capital
Financial ServicesKey Fundamentals
SmallcapNBFCFinancial ServicesPrice-based figures as of 9 Oct 2026, 3:58 pm IST · EPS basis: Consolidated · TTM
Tapetide Score
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Key Insights
Strengths
3- Company is expected to give good quarter
- Company has delivered good profit growth of 39.9% CAGR over last 5 years
- Company's median sales growth is 43.1% of last 10 years
Weaknesses
4- Stock is trading at 3.30 times its book value
- Company has low interest coverage ratio.
- Company has a low return on equity of 12.6% over last 3 years.
- Promoter holding has decreased over last 3 years: -9.99%
Growth Rate
AI Analysis — Bull vs Bear
As of the 2026-10-01 close, Capri Global Capital Ltd (CGCL) traded at ₹249.23, giving a market capitalisation of ₹23,979.76 crore, a trailing P/E of 21.28 on TTM EPS of ₹11.71, and a price-to-book ratio of 3.33. The company has grown fast, with 3-year compounded sales growth of 48% and 3-year compounded profit growth of 67%. Its returns are moderate: ROE is 13.18% and ROCE is 10.14%, and its 3-year average ROE is about 13%. The stock sits about 13% below its 52-week high of ₹287.45 and about 65% above its 52-week low of ₹151.10.
- Profit growth has sped up. TTM compounded profit growth is 95%, ahead of the 3-year rate of 67% and the 5-year rate of 40%, which suggests stronger operating leverage as the loan book grows.
- Revenue growth has been high and steady over long periods. Compounded sales growth is 50% TTM, 48% over 3 years, 45% over 5 years and 38% over 10 years, and median sales growth over 10 years is 43.1%.
- ROE is improving. Last year's ROE was 17%, compared with 13% over 3 years, 12% over 5 years and 11% over 10 years, and current ROE stands at 13.18%.
- Valuation looks moderate relative to growth. The trailing P/E of 21.28 is well below the 95% TTM and 67% 3-year profit growth rates, which implies a low price-to-earnings-growth multiple if growth holds up even partly.
- The stock has created value over the long term, with a 10-year stock CAGR of 30% and a 5-year CAGR of 15%, in line with compounded profit growth of 36% over the same 10 years.
- The stock has momentum. Its 1-year return is 32%, and at ₹249.23 it trades about 65% above its 52-week low of ₹151.10.
- Near-term earnings visibility looks positive. The data flags an expected good quarter, which follows TTM profit growth of 95%.
- The valuation is a premium to book. A P/B of 3.33 is high for a lender earning a 13.18% ROE, and it leaves little room for error if growth or asset quality weakens.
- Interest coverage is low, and the debt-to-equity figure is not available in the data. For a lender, this means higher sensitivity to rising funding costs and to margin compression.
- Returns on capital remain modest. The 3-year average ROE is 12.6%, the 10-year ROE is 11%, and ROCE is 10.14%, which tempers the quality of the fast topline growth.
- Promoter holding has fallen by 9.99 percentage points over the last 3 years, which could signal dilution from capital raises or promoter selling.
- Share price returns have lagged fundamentals over the medium term. The 3-year stock CAGR is only 8%, compared with 67% compounded profit growth, which points to multiple compression or market doubts about how sustainable earnings are.
- Shareholder payouts are negligible. A dividend yield of 0.08% gives almost no income support, and earnings are almost entirely reinvested to fund growth.
- Price volatility is high. The 52-week range of ₹151.10 to ₹287.45 is a swing of about 90% from low to high, and the stock remains about 13% below its 52-week high.
- Growth this fast is hard to sustain. Sales growing at 45% to 50% compounded raises the risk of loan book seasoning and future credit costs once the portfolio matures.
This is AI-generated analysis, not financial advice. Do your own due diligence.
AI News Digest
- Stock about 11% below 52-week high Sep 16
Shares closed at ₹256.65 on Sep 16, about 10.7% below the 52-week high of ₹287.45 set on Sep 7. The intraday range was wide, from ₹248.65 to ₹267.25 (about 7%), on heavy volume of 76.21 lakh shares, which points to elevated volatility.
- Gold loan promo may squeeze yields Sep 16
The Vyapar Mahotsav offer priced gold loans from 11% p.a. with zero processing fees and maximum eligible loan value. That signals a competitive gold loan market, and similar pricing could pressure yields and fee income if repeated.
- AGM sets ₹1,250 bn AUM target Sep 22
All resolutions passed at the 32nd AGM, and the FY26 dividend is credited from Sep 26, 2026. The Chairman outlined a plan to grow AUM to ₹1,250 billion (₹1.25 lakh crore).
- Strong 1-year stock outperformance Sep 16
The stock has gained about 37% over the past year, while the Nifty 500 fell 3.58% over the same period. Market cap stands at about ₹24,694 crore, and the stock is part of the Nifty Smallcap 100.
- Excellent ESG rating of 74 Oct 1
ESGRisk.ai rated Capri Global's ESG performance for FY26 at 74 (Excellent), citing strong governance and risk management. This could help with access to ESG-focused institutional capital.
- Vyapar Mahotsav gold loan push Sep 16
Capri Gold Loans ran a 4-day pan-India festive campaign from Sep 16 to 19, 2026, offering rates from 11% p.a. and zero processing fees. It targets working capital needs of traders and small businesses ahead of the festive season, which supports growth in secured lending.
- $300 mn secured notes priced Sep 9
The company issued US$300 million of senior secured notes due December 2029 with a 7.55% coupon under its US$1 billion GMTN programme. This diversifies funding, though dollar borrowing adds hedging costs.
- Analyst call on Sep 29 Sep 24
A virtual investor conference on Sep 29, 2026 was set to cover Q1FY27 earnings and business updates.
- HIC Money Purse investor meet Sep 16
Management was scheduled to meet investors at the HIC Money Purse Finserv Emerging Stars 2026 conference in Hyderabad on Sep 19, 2026, from 12:00 to 3:00 pm.
TL;DR: Capri Global's news flow is mostly positive: a ₹1,250 bn AUM ambition, an Excellent ESG rating (74), US$300 mn of offshore funding at 7.55%, and a 37% one-year stock gain while the Nifty 500 fell 3.58%. The articles report no direct negative events. The main risks are competitive pricing in gold loans, which could squeeze yields, and a stock that remains volatile at about 11% below its Sep 7 high. The trend looks to be improving, and the Q1FY27 commentary from the Sep 29 analyst call will be the next test of whether loan growth and margins can support the AUM target.
Quarterly Results
| Particulars | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 501 | 557 | 605 | 649 | 718 | 752 | 821 | 957 | 1,004 | 1,121 | 1,223 | 1,385 | 1,576 |
| Expenses | 225 | 252 | 270 | 276 | 325 | 289 | 293 | 336 | 356 | 378 | 426 | 485 | 496 |
| Financing Profit | 99 | 109 | 114 | 130 | 121 | 152 | 195 | 263 | 253 | 338 | 366 | 401 | 494 |
| Fin. Margin % | 20% | 20% | 19% | 20% | 17% | 20% | 24% | 28% | 25% | 30% | 30% | 29% | 31% |
| Other Income | 0 | 0 | 1 | 1 | 0 | 1 | 1 | 1 | 1 | 3 | 2 | 3 | 5 |
| Interest | 177 | 196 | 221 | 243 | 272 | 311 | 333 | 358 | 394 | 406 | 431 | 499 | 586 |
| Depreciation | 16 | 23 | 25 | 24 | 23 | 25 | 26 | 29 | 25 | 26 | 28 | 31 | 29 |
| PBT | 84 | 86 | 89 | 107 | 99 | 128 | 171 | 236 | 230 | 314 | 340 | 373 | 470 |
| Tax % | 24% | 24% | 24% | 22% | 23% | 24% | 25% | 25% | 24% | 25% | 25% | 24% | 25% |
| Net Profit | 64 | 65 | 68 | 83 | 76 | 97 | 128 | 178 | 175 | 236 | 255 | 283 | 353 |
| EPS in Rs | 0.77 | 0.79 | 0.82 | 1 | 0.92 | 1.18 | 1.55 | 2.15 | 1.82 | 2.45 | 2.65 | 2.94 | 3.67 |
| Gross NPA % | 1.89% | 1.96% | 2.1% | 1.92% | 1.97% | 1.6% | 1.7% | 1.53% | 1.67% | 1.28% | 1.4% | 1% | 1.1% |
| Net NPA % | 1.37% | 1.32% | 1.36% | 1.06% | 1.13% | 1% | 1.1% | 0.9% | 0.99% | 0.74% | 0.9% | 0.7% | 0.6% |
Profit & Loss
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 198 | 189 | 229 | 351 | 589 | 717 | 737 | 969 | 1,465 | 2,313 | 3,249 | 4,734 | 5,306 |
| Expenses | 48 | 120 | 97 | 140 | 191 | 203 | 201 | 368 | 620 | 1,023 | 1,242 | 1,645 | 1,785 |
| Financing Profit | 145 | 58 | 94 | 114 | 191 | 230 | 246 | 270 | 311 | 452 | 733 | 1,360 | 1,599 |
| Fin. Margin % | 73% | 30% | 41% | 32% | 32% | 32% | 33% | 28% | 21% | 20% | 23% | 29% | 30% |
| Other Income | 8 | 2 | 6 | 1 | 3 | 2 | 0 | 12 | 1 | 1 | 2 | 7 | 12 |
| Interest | 5 | 12 | 38 | 97 | 207 | 283 | 290 | 332 | 534 | 837 | 1,274 | 1,730 | 1,922 |
| Depreciation | 4 | 3 | 4 | 6 | 7 | 11 | 11 | 10 | 44 | 88 | 102 | 110 | 114 |
| PBT | 149 | 56 | 96 | 108 | 187 | 222 | 236 | 273 | 268 | 366 | 633 | 1,257 | 1,497 |
| Tax % | 36% | 22% | 39% | 40% | 27% | 27% | 25% | 25% | 24% | 24% | 24% | 25% | — |
| Net Profit | 95 | 44 | 58 | 65 | 136 | 161 | 177 | 205 | 205 | 279 | 479 | 949 | 1,128 |
| EPS in Rs | 1.16 | 0.53 | 0.71 | 0.79 | 1.65 | 1.96 | 2.15 | 2.49 | 2.48 | 3.39 | 5.8 | 9.86 | 11.71 |
| Div. Payout % | 6% | 12% | 9% | 8% | 5% | 2% | 4% | 4% | 5% | 4% | 3% | 2% | — |
Balance Sheet
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 35 | 35 | 35 | 35 | 35 | 35 | 35 | 35 | 41 | 82 | 83 | 96 |
| Reserves | 1,030 | 1,068 | 1,126 | 1,217 | 1,348 | 1,504 | 1,682 | 1,887 | 3,524 | 3,754 | 4,222 | 7,107 |
| Borrowing | 50 | 141 | 728 | 1,566 | 2,769 | 2,837 | 3,774 | 4,808 | 7,511 | 10,407 | 15,577 | 24,112 |
| Other Liabilities | 49 | 77 | 98 | 153 | 126 | 66 | 322 | 422 | 725 | 907 | 952 | 1,360 |
| Total Liabilities | 1,164 | 1,320 | 1,986 | 2,971 | 4,277 | 4,441 | 5,813 | 7,153 | 11,801 | 15,150 | 20,833 | 32,676 |
| Fixed Assets | 9 | 8 | 13 | 15 | 14 | 32 | 28 | 34 | 291 | 350 | 341 | 361 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 17 | 19 | 3 | 3 |
| Investments | 117 | 110 | 68 | 56 | 9 | 361 | 807 | 377 | 216 | 216 | 160 | 1,236 |
| Other Assets | 1,038 | 1,202 | 1,905 | 2,900 | 4,254 | 4,048 | 4,978 | 6,739 | 11,278 | 14,565 | 20,328 | 31,076 |
| Total Assets | 1,164 | 1,320 | 1,986 | 2,971 | 4,277 | 4,441 | 5,813 | 7,153 | 11,801 | 15,150 | 20,833 | 32,676 |
Cash Flow
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating | 59 | -73 | -511 | -857 | -1,115 | 210 | -319 | -1,341 | -3,007 | -3,699 | -4,313 | -8,728 |
| Investing | -88 | 2 | 46 | 40 | 41 | -352 | -465 | 467 | 65 | -7 | 62 | -1,088 |
| Financing | 44 | 69 | 460 | 835 | 1,196 | 54 | 892 | 1,026 | 4,096 | 2,869 | 5,118 | 10,391 |
| Net Cash Flow | 15 | -1 | -6 | 18 | 122 | -88 | 108 | 152 | 1,154 | -837 | 867 | 575 |
| Free Cash Flow | 61 | -76 | -521 | -865 | -1,120 | 207 | -325 | -1,352 | -3,138 | -3,757 | -4,362 | -8,786 |
| CFO/OP | 75 | -63 | -364 | -388 | -265 | 50 | -47 | -207 | -346 | -278 | -208 | -273 |
Ratios
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 9% | 4% | 5% | 5% | 10% | 11% | 11% | 11% | 7% | 8% | 12% | 16% |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
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63 extracted metrics + investor summaries across FY11–FY27.
Documents
Frequently Asked Questions about Capri Global Capital
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Company Information
Capri Global is a diversified Non-Banking Financial Company (NBFC) with a presence across diverse segments like MSME, Affordable Housing, Construction Finance segments, and Car Loan distribution; forayed into Gold Loans in Aug 22. Capri Global also owns UP Warriorz which is an Indian professional franchise women's cricket team that compete in the Women's Premier League (WPL), based in Lucknow, Uttar Pradesh. [1] [2]
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