Capri Global Capital Ltd logo

Capri Global Capital Ltd

CGCL NSE

Key Fundamentals

SmallcapNBFCFinancial Services
Market Cap
₹23,592 Cr
Volatility
Moderate
P/E Ratio
20.28
EBITDA
₹3,086 Cr
Return on Equity
11.12%
Debt to Equity
3.19
Book Value
₹74.87
EPS
₹3.53
52W High
₹264.53
52W Low
₹151.1

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

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43 extracted metrics + investor summaries across FY12–FY26.

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Tapetide Score

Data-driven rating, 0–100. How it works →

Technical Indicators

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 43.0% of last 10 years

Weaknesses

4
  • Stock is trading at 3.13 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

Revenue Growth
45.54% ↗
Net Income Growth
97.37% ↗
Cash Flow Change
-16.58% ↘
ROE
52.75% ↗
ROCE
14.75% ↘
EBITDA Margin (Avg.)
5.32% ↘

AI Analysis — Bull vs Bear

Anthropic anthropic claude-opus-4.6 4d ago
AI opinion · based on fundamentals
Risk medium

Capri Global Capital Ltd is a fast-growing NBFC with a market cap of ~₹21,905 Cr, trading at a PE of 19.3x and PB of 3.02x. The company has delivered 48% compounded sales CAGR over 3 years and 67% profit CAGR over the same period, while its AUM grew 46% YoY to ₹22,860 Cr in Q4 FY25, though ROE remains moderate at ~13% over 3 years and promoter holding has declined by ~10% over 3 years.

Bull Case 8
  • Exceptional AUM growth of 46% YoY to ₹22,860 Cr in Q4 FY25, with diversified segments including gold loans (AUM up 130% YoY), construction finance (up 58% YoY), and housing finance (up 24% YoY)
  • Compounded sales growth of 48% CAGR over 3 years and 45% over 5 years demonstrates sustained revenue momentum well above NBFC industry averages
  • Profit growth of 67% CAGR over 3 years and 95% TTM growth indicates strong operating leverage kicking in as the business scales
  • Cost-to-income ratio improved sharply to 49% from 64% YoY in Q2 FY26, reflecting improving operational efficiency as scale builds
  • Net Interest Income grew 57% YoY in Q2 FY26 to ₹480 Cr, with non-interest income up 97% YoY to ₹203 Cr, showing diversified revenue streams
  • ROE has improved from 11% (10-year average) to 17% in the last year, indicating that profitability is catching up with the high-growth trajectory
  • Gross Stage 3 assets improved to 1.2% as of Q3 FY26 from 1.7% in Q1 FY26, showing improving asset quality despite rapid growth
  • PE of 19.3x is moderate for a high-growth NBFC delivering 46%+ AUM growth and 67% profit CAGR, suggesting growth is not excessively priced into the stock
Bear Case 8
  • Promoter holding has decreased by 9.99% over the last 3 years, signaling potential dilution concerns and reduced promoter skin-in-the-game
  • PB ratio of 3.02x is elevated for a company with only 12.6% average ROE over 3 years, meaning the valuation demands sustained high growth to justify
  • Low interest coverage ratio indicates vulnerability to rising borrowing costs, a significant risk for a leveraged NBFC in a high-rate environment
  • 3-year ROE of only 13% and 5-year ROE of 12% remain below peers, suggesting capital efficiency has historically lagged the aggressive growth story
  • Stock CAGR of only 6% over 3 years despite 67% profit CAGR suggests the market has de-rated the stock from prior premium valuations
  • Gold loan AUM growth of 130% YoY raises concentration risk in a segment sensitive to gold price volatility and regulatory changes
  • Rapid AUM expansion of 45-55% annually over multiple years carries inherent credit underwriting risk that may only surface with a lag of 12-24 months
  • Dividend yield of just 0.09% offers negligible income to shareholders, with almost all returns dependent on capital appreciation

This is AI-generated analysis, not financial advice. Do your own due diligence.

AI News Digest

Anthropic anthropic claude-opus-4.6 16h ago
Positives 4
  • Q1FY27 PAT doubles, AuM ₹40K cr Jul 27

    Q1FY27 PAT surged 102% YoY to ₹353 crore. Consolidated AuM crossed ₹40,112 crore, driven by gold and housing loans.

  • OpenAI partnership for AI lending Jul 29

    Collaboration with OpenAI to integrate generative AI across lending operations spanning 1,400+ branches, targeting customer service and operational efficiency.

  • Final dividend record date set Aug 18

    Record date fixed as September 4, 2026 for final dividend of ₹0.20 per share for FY26, subject to AGM approval on September 22.

  • Nayanthara brand campaign launched Aug 5

    Capri Loans launched an integrated campaign featuring Nayanthara to build trust and expand brand presence across Southern India.

Neutral 2
  • Analyst meet and investor calls Aug 5

    Company scheduled analyst meet at Nirmal Bang Investor Conference on Aug 10 and hosted global investor call on Aug 3 for Q1FY27 earnings discussion.

  • Q1FY27 earnings call recording live Jul 29

    Audio recording of Q1 FY27 earnings conference call held on July 29, 2026 made available on company website.

TL;DR: Capri Global Capital is firing on all cylinders with PAT doubling YoY and AuM breaching ₹40,000 crore in Q1FY27, led by gold and housing loans. The OpenAI partnership signals a tech-forward approach to scaling operations. No material headwinds are visible in recent news flow. The growth trajectory looks strong heading into FY27 if asset quality holds.

Quarterly Results

  Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 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%
Figures in ₹ Crores

Profit & Loss

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
198
189
229
351
589
717
737
969
1,465
2,313
3,248
4,731
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
732
1,356
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
3
11
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%
—
Figures in ₹ Crores

Balance Sheet

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 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
950
1,360
Total Liabilities
1,164
1,320
1,986
2,971
4,277
4,441
5,813
7,153
11,801
15,150
20,831
32,676
Fixed Assets
9
8
13
15
14
32
28
34
291
350
341
364
CWIP
0
0
0
0
0
0
0
2
17
19
3
0
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
20,326
31,076
Total Assets
1,164
1,320
1,986
2,971
4,277
4,441
5,813
7,153
11,801
15,150
20,831
32,676
Figures in ₹ Crores

Cash Flow

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
59
-73
-511
-857
-1,115
210
-319
-1,341
-3,007
-3,699
-4,312
-8,728
Investing
-88
2
46
40
41
-352
-465
467
65
-7
60
-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
-4,361
-8,786
CFO/OP
75
-63
-364
-388
-265
50
-47
-207
-346
-278
-208
-274
Figures in ₹ Crores

Ratios

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
9%
4%
5%
5%
10%
11%
11%
11%
7%
8%
12%
16%

Shareholding Pattern

As of Jun 2026
Promoters 59.92%
DIIs 18.42%
Others 10.82%
FIIs 8.21%
Public 2.64%
Total 100.01%
  Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters
74.87%
74.87%
74.84%
74.74%
74.72%
74.68%
74.68%
74.64%
69.91%
69.91%
69.91%
69.89%
69.89%
69.89%
69.89%
69.87%
69.87%
59.95%
59.95%
59.92%
59.92%
59.92%
FIIs
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.81%
0.85%
1.01%
1.06%
1.04%
0.98%
4.72%
4.83%
4.50%
5.62%
8.21%
DIIs
2.98%
4.81%
4.80%
4.80%
6.72%
7.59%
8.32%
11.53%
13.63%
14.34%
14.35%
14.16%
14.18%
14.10%
14.56%
14.51%
14.52%
20.53%
20.29%
20.11%
20.11%
18.42%
Government
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
Public
1.36%
1.32%
1.24%
1.27%
1.30%
1.26%
1.21%
1.10%
0.94%
0.96%
0.93%
0.97%
1.40%
1.49%
1.46%
1.41%
1.97%
3.08%
3.35%
3.40%
3.10%
2.64%
Others
20.79%
19.00%
19.11%
19.19%
17.27%
16.47%
15.80%
12.73%
15.52%
14.79%
14.81%
14.19%
13.69%
13.51%
13.03%
13.18%
12.66%
11.72%
11.59%
12.07%
11.25%
10.82%
No. of Shareholders
5,266
8,634
7,680
7,736
9,494
10,074
9,667
8,800
7,353
7,432
7,053
7,261
29,874
31,030
30,984
32,211
49,562
50,591
62,839
65,201
63,725
59,632

Documents

Frequently Asked Questions about Capri Global Capital Ltd

What does Capri Global Capital Ltd do?
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...
Where is Capri Global Capital Ltd (CGCL) listed?
Capri Global Capital Ltd is listed on the Indian stock exchanges. It is listed on NSE: CGCL and BSE: 531595. You can view its live share price, financials, and ratios on Tapetide.
Which sector does Capri Global Capital Ltd belong to?
Capri Global Capital Ltd operates in the Financial Services sector within the NBFC industry. Sector classification helps investors compare companies affected by similar economic conditions and regulatory changes.
What is the market capitalisation of Capri Global Capital Ltd?
Capri Global Capital Ltd has a market capitalisation of approximately ₹23592.02 Cr. Based on this, it is classified as a Large Cap stock.
What is the PE ratio of Capri Global Capital Ltd?
The Price-to-Earnings (PE) ratio of Capri Global Capital Ltd is 20.28. The PE ratio compares a company's share price to its earnings per share and is commonly used to assess whether a stock is overvalued or undervalued relative to its peers.
What is the 52-week high and low of Capri Global Capital Ltd?
Over the past 52 weeks, Capri Global Capital Ltd has traded between a low of ₹151.1 and a high of ₹264.53. This range helps investors understand the stock's price volatility and recent trading levels.
Does Capri Global Capital Ltd pay dividends?
Yes, Capri Global Capital Ltd has a dividend yield of 0.09%. Dividend yield indicates the annual dividend income relative to the share price. A consistent dividend history can signal financial stability.
What is the Return on Equity (ROE) of Capri Global Capital Ltd?
Capri Global Capital Ltd has a Return on Equity (ROE) of 11.12%. ROE measures how effectively a company uses shareholders' equity to generate profits. A higher ROE generally indicates better capital efficiency.
How can I research Capri Global Capital Ltd on Tapetide?
On Tapetide, you can view Capri Global Capital Ltd's live share price, quarterly results, profit & loss statements, balance sheet, cash flow, key ratios, shareholding pattern, technical indicators, analyst ratings, and forecasts — all on a single page without needing to sign up.

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]

Website capriloans.in
CEO Mr. Rajesh Chandra Sharma CA
Employees 11,410
Listed 2010-10-29
Face Value ₹ 1
Issued Size 96,21,53,962

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