Capri Global Capital Limited (CGCL)
🎯 Key Takeaways
- Capri Global Capital Limited is in a high-growth phase, transitioning from a mid-sized financial services player to a scalable, asset-light platform with strong profitability metrics. Management is executing a clear expansion strategy, targeting Rs 650bn in AuM by FY28 with 30%+ CAGR, supported by consistent returns on assets and equity.
- Revenue grew 9.2% QoQ to ₹821 in Q3FY25.
- ⚠️ 1) Concentration risk in the retail lending portfolio, as AuM growth is driven primarily by unsecured loans, which could face headwinds from macroecon
📖 The Story
Capri Global Capital Limited is in a high-growth phase, transitioning from a mid-sized financial services player to a scalable, asset-light platform with strong profitability metrics. Management is executing a clear expansion strategy, targeting Rs 650bn in AuM by FY28 with 30%+ CAGR, supported by consistent returns on assets and equity. The company has demonstrated robust financial momentum, particularly in Q1FY27, where PAT surged 102% YoY to Rs 353 crores amid accelerating AuM growth and margin expansion. This performance reflects operational efficiency and scalable business model dynamics.
📰 What's Happening
In Q1FY27, Capri Global Capital reported consolidated AuM of Rs 40,112 crores, up 62% YoY and 10% QoQ, with PAT rising 102% YoY to Rs 353 crores, driven by margin improvement and cost efficiency. The board approved unaudited financial results for Q1 FY2026, confirming unmodified auditor opinions and highlighting strong profit growth to Rs 3,533.81 crores after tax. Additionally, in July 2026, the company appointed Mr. Ignatius Kaitha as Chief Human Resources Officer and Mr. Ateet Parikh as Chief Collection Officer, both effective July 8, 2026, reinforcing leadership continuity in key operational roles.
Source: Stock Announcements
📊 Quarterly Results (₹ Cr)
| Metric | Q4FY23 | Q1FY24 | Q2FY24 | Q3FY24 | Q4FY24 | Q1FY25 | Q2FY25 | Q3FY25 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 454 | 501 | 557 | 605 | 649 | 718 | 752 | 821 |
| Operating Profit | 261 | 276 | 305 | 335 | 373 | 393 | 464 | 528 |
| OPM % | 57.5% | 55.0% | 54.7% | 55.4% | 57.4% | 54.6% | 61.5% | 64.2% |
| Net Profit | 65 | 64 | 65 | 68 | 83 | 76 | 97 | 128 |
| EPS | ₹3.51 | ₹3.09 | ₹3.16 | ₹3.30 | ₹1.00 | ₹0.92 | ₹1.18 | ₹1.55 |
Revenue and operating profit have grown consistently over the past eight quarters, with YoY growth in revenue accelerating from 5% in Q4FY23 to 45% in Q3FY25, while operating margins expanded from 55.4% to 64.2%. Net profit margins remain stable above 15%, supported by disciplined cost management, evidenced by a 44.2% cost-to-income ratio in Q1FY27. EPS growth has tracked profitability, rising from Rs 3.09 in Q1FY24 to Rs 1.55 in Q3FY25, indicating both scale and efficiency gains. This trajectory aligns with management’s focus on asset-light expansion and operational leverage.
🔮 Management Outlook & What's Next
Management has provided forward-looking guidance targeting AuM of Rs 650bn by FY28 with a compound annual growth rate of 30%+, while maintaining consistent returns on assets (RoAA) of 4.2%-4.7% and return on assets employed (RoAE) of 19%-21%. These targets are underpinned by scalable infrastructure, digital onboarding, and a focus on high-yield segments. The company emphasizes sustainable profitability over aggressive growth, with RoAE guidance signaling confidence in capital efficiency and long-term return generation.
Extracted from official company announcements. Not StockFin.ai's opinion.
⚖️ Peer Comparison — Finance
| Company | MCap (₹ Cr) | P/E | ROCE | ROE | D/E |
|---|---|---|---|---|---|
| Bajaj Finance Limited | 5.67 L Cr | 30.9 | 22.4% | 18.6% | 1.37 |
| Bajaj Finserv Limited | 2.77 L Cr | 14.4 | — | 13.4% | — |
| Shriram Finance Limited | 2.21 L Cr | 23.3 | — | — | — |
| Jio Financial Services Limited | 1.54 L Cr | 92.1 | — | — | — |
| Power Finance Corporation Limited | 1.47 L Cr | 5.0 | — | — | — |
| Muthoot Finance Limited | 1.33 L Cr | 26.6 | — | — | — |
| Cholamandalam Investment and Finance Company Limited | 1.32 L Cr | 31.9 | — | — | — |
| Tata Capital Limited | 1.31 L Cr | — | — | — | — |
| Indian Railway Finance Corporation Limited | 1.29 L Cr | 18.4 | — | — | — |
| Bajaj Holdings & Investment Limited | 1.15 L Cr | 15.3 | — | — | — |
🔗 Peer Stock Analyses
⚠️ Risk Factors
1) Concentration risk in the retail lending portfolio, as AuM growth is driven primarily by unsecured loans, which could face headwinds from macroeconomic slowdown or rising delinquencies. 2) High valuation multiples (P/E of 39.8) priced for perfection, leaving limited upside if growth moderates below 20% CAGR. 3) Execution risk in scaling new verticals like SME finance and insurance broking, where competition is intensifying. 4) Regulatory scrutiny in the NBFC space, which could impact lending practices or capital requirements.
📋 Recent Filings
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Announcement 29 July 2026Capri Global Capital Limited announced it will host a virtual group meeting with analysts and institutional investors on August 3, 2026 at 12:00 noon ...
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Announcement 29 July 2026Capri Global Capital announced a partnership with OpenAI to integrate enterprise-grade generative AI into its lending operations, targeting enhanced c...
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Announcement 29 July 2026Capri Global Capital Limited (CGCL) presented its Q1 FY27 results, showcasing a 62% YoY AUM growth to ₹7364 crores, 102% YoY PAT growth, and a 4.1% Ro...
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Announcement 27 July 2026Capri Global Capital Limited (CGCL) presented its Q1 FY27 investor update, showcasing robust financial growth with AUM rising 62% YoY to ₹40,111.6 cro...
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🔴 Financial Results 27 July 2026Capri Global Capital reported consolidated AuM of Rs 40,112 crores, up 62% YoY and 10% QoQ, with PAT surging 102% YoY to Rs 353 crores in 1QFY27. Prof...
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🟡 Board Meeting 27 July 2026Capri Global Capital Limited announced unaudited consolidated financial results for Q1 FY2026 ending June 30, 2026, showing profit of **₹3,533.81 cror...
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Announcement 23 July 2026Capri Global Capital Limited announced its Q1 FY27 earnings conference call scheduled for July 29, 2026 at 4:00 PM IST, inviting analysts and institut...
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Announcement 21 July 2026Capri Global Capital Limited announced Nayanthara as its new Brand Ambassador to accelerate South India expansion, joining Pankaj Tripathi in reinforc...
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🟡 Board Meeting 8 July 2026The Board of Capri Global Capital Limited appointed Mr. Ignatius Kaitha as Chief Human Resources Officer and Mr. Ateet Parikh as Chief Collection Offi...
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share transfer 6 July 2026Capri Global Capital Limited received a SEBI-mandated share transfer agent certificate for the quarter ended June 30, 2026, confirming dematerializati...
🧠 Analyst's Read
Capri Global Capital is executing a disciplined growth strategy with improving profitability and strong asset base expansion, but its valuation reflects high expectations. Investors should monitor quarter-over-quarter AuM growth, delinquency trends, and progress toward the Rs 650bn AuM target by FY28, as these will be key indicators of sustainable momentum.
Based on filing content and financial data. Not a recommendation.
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Data sourced from stock announcements. Analysis generated by StockFin.ai.
For informational purposes only — not investment advice. Updated 2026-07-30.
Editorial & Data Transparency Notice
This analysis was programmatically compiled using StockFin AI utilizing official regulatory disclosures from the BSE and NSE. Content is automatically synthesized and audited against public financial filings. StockFin.ai is an educational research platform and is NOT a SEBI-registered investment advisor or research analyst.
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