Capri Global Capital logo

Capri Global Capital

CGCL NSE

Key Fundamentals

SmallcapNBFCFinancial Services
Market Cap
₹25,969 Cr
Volatility
Moderate
P/E Ratio
22.72
EBITDA
₹3,097 Cr
Return on Equity
13.18%
Debt to Equity
3.45
Book Value
₹74.87
EPS
₹3.53
52W High
₹287.45
52W Low
₹151.1

Tapetide Score

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

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 3.55 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
45.87% lower than 3Y
Net Income Growth
98.37% higher than 3Y
Cash Flow Change
-102% higher than 3Y
ROE
18.53% higher than 3Y
ROCE
1.81% lower than 3Y
EBITDA Margin (Avg.)
5.7% lower than 3Y

AI Analysis — Bull vs Bear

Anthropic anthropic claude-opus-4.6 2d ago
AI opinion · based on fundamentals
Risk high

Capri Global Capital Ltd is a ₹25,969 Cr market cap NBFC that has delivered exceptional top-line growth of 48% CAGR over 3 years and TTM profit growth of 95%, while trading at a P/E of 23.2x and P/B of 3.64x. The company's ROE has improved from a 5-year average of 12% to 17% in the last year, though interest coverage remains low and promoter holding has declined by ~10% over three years.

Bull Case 7
  • TTM revenue growth of 50% signals strong business momentum and expanding loan book, well above the NBFC sector average
  • Compounded profit growth of 67% CAGR over 3 years and 95% TTM indicates rapid scaling of earnings and improving operating leverage
  • ROE has improved meaningfully from a 5-year average of 12% to 17% in the last year, suggesting better capital utilization
  • 10-year median sales growth of 43.1% demonstrates a long and consistent track record of revenue expansion, not a one-off spike
  • P/E of 23.2x appears reasonable relative to 67% 3-year profit CAGR, implying a PEG ratio well below 1.0
  • 5-year profit CAGR of approximately 40% reflects sustained earnings compounding across multiple credit cycles
  • Stock CAGR of 48% over 1 year reflects strong market recognition of the improving fundamental trajectory
Bear Case 8
  • P/B of 3.64x is elevated for an NBFC, especially one with a 3-year average ROE of only 12.6%, indicating the stock prices in significant future growth
  • Low interest coverage ratio raises concerns about the company's ability to service debt comfortably in a rising rate or stress environment
  • Promoter holding has decreased by 9.99% over the last 3 years, which may signal dilution or reduced promoter confidence
  • 3-year average ROE of 12.6% is modest for a lending business trading at a premium valuation, and lags several larger NBFC peers
  • Dividend yield of just 0.07% offers negligible income return to shareholders, with nearly all value dependent on capital appreciation
  • 10-year stock CAGR of 38% versus 10-year profit CAGR of 36% suggests limited valuation re-rating runway from current levels
  • Rapid 45% 5-year sales CAGR in lending carries inherent asset quality risk — fast loan book growth can mask underlying credit deterioration until a downturn
  • 52-week high and low data unavailable (reported as 0), limiting visibility into recent price range and volatility context

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

AI News Digest

Anthropic anthropic claude-opus-4.6 2h ago
Headwinds 3
  • BSE/NSE fines for disclosure lapse Aug 26

    CGCL penalised ₹74,000 each by BSE and NSE for non-compliance with SEBI disclosure regulations. Company states fines have no material impact on operations.

  • High employee turnover flagged Aug 28

    BRSR report for FY26 reveals a 48.57% employee turnover rate and expanded Scope 3 emissions, raising ESG concerns.

  • Gold loan delinquency uptick Aug 26

    Management noted some increase in delinquency in Q1, with bulk of the rise in stage 2 from gold loans, though portfolio delinquency remains under control.

Positives 6
  • Q1FY27 net profit surges 74-100% Sep 1

    Consolidated net profit more than doubled to ₹353 crore (₹175 crore YoY); AUM surged 62% YoY to ₹40,112 crore with NIM at 9.6% and GNPA at 1.1%.

  • $300M senior secured notes raised Sep 1

    CGCL priced US$300 million 7.55% senior secured notes due 2029 under its $1 billion GMTN programme, rated Ba3/BB-, listed on India INX and NSE IFSC.

  • DRChoksey initiates Buy, 23% upside Aug 26

    DRChoksey set a target price of ₹316 vs CMP of ₹256, citing gold loan scalability, operating leverage, and co-lending as structural growth drivers.

  • Stock surges 16.5% in three days Aug 26

    Shares rallied 9% on Aug 26 to ₹260.85 on 24.4 million shares traded (3.5x avg weekly volume); YTD gains exceed 40% with 2,000% returns over the past decade.

  • 400 new gold loan branches planned Aug 26

    Management plans to add 400 new gold loan branches with per-branch AUM of ~₹19 crore; gold loan customers reached 7.48 lakh with LTV at 71%.

  • Final dividend declared for FY26 Aug 18

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

Neutral 4
  • AGM set Sep 22, ₹35K Cr limit Aug 29

    32nd AGM scheduled for September 22, 2026 with key agenda to raise borrowing limits to ₹35,000 crore and approve FY26 final dividend.

  • No gold loan business demerger Aug 31

    CGCL confirmed no plans to separately list or spin off its gold loan business; the segment will remain integrated within the existing structure.

  • ₹250 Cr block deal on Aug 28 Aug 26

    1 crore shares (1.4% equity) worth ₹250 crore changed hands at ₹246/share in block deals; buyers and sellers not yet disclosed. Promoter holds 60% stake.

  • BRSR report filed for FY26 Aug 28

    Filed Business Responsibility and Sustainability Report for FY26 detailing ESG metrics including environmental and social disclosures.

TL;DR: CGCL is firing on most cylinders — Q1FY27 delivered 74-100% profit growth, 62% AUM expansion, and healthy 9.6% NIM with controlled asset quality (1.1% GNPA). The $300M offshore bond raise and planned 400-branch gold loan expansion signal aggressive growth ambitions, supported by a DRChoksey Buy initiation. Key risks include rising gold loan stage-2 delinquency, a high 48.57% employee turnover rate, and minor regulatory lapses. The trend is decisively improving, but sustaining this pace of growth while keeping asset quality tight will be the real test over the next two quarters.

Quarterly Results

Particulars 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

Particulars 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
3,249
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%
—
Figures in ₹ Crores

Balance Sheet

Particulars 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
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
Figures in ₹ Crores

Cash Flow

Particulars 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
-4,313
-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
Figures in ₹ Crores

Ratios

Particulars 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%

Insights

Beta

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

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Shareholding Pattern

Public2.64%Promot.59.92%FIIs8.21%Others10.82%DIIs18.42%As ofJun 2026

Documents

Frequently Asked Questions about Capri Global Capital

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 trades as CGCL on the NSE and under code 531595 on the BSE.
Which sector does Capri Global Capital Ltd belong to?
Capri Global Capital Ltd is classified under the Financial Services sector, in the NBFC industry.
What is the market capitalisation of Capri Global Capital Ltd?
Capri Global Capital Ltd has a market capitalisation of ₹25,969 Cr, which places it in the Large Cap band.
What is the PE ratio of Capri Global Capital Ltd?
Capri Global Capital Ltd trades at a PE ratio of 22.72, on earnings per share of ₹3.53, against a book value of ₹74.87 per share.
What is the 52-week high and low of Capri Global Capital Ltd?
Over the last 52 weeks Capri Global Capital Ltd has traded between ₹151.1 and ₹287.45.
Does Capri Global Capital Ltd pay dividends?
Capri Global Capital Ltd has a dividend yield of 0.07%.
What is the Return on Equity (ROE) of Capri Global Capital Ltd?
Capri Global Capital Ltd reported a return on equity of 13.18%. Its debt-to-equity ratio is 3.45.

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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