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Key Financials Snapshot

TTM · Consolidated · ₹ in Cr
Market Cap
₹19510 Cr.
Stock P/E
40.8
P/B
2.7
Current Price
₹202.8
Book Value
₹ 74.9
Face Value
1
52W High
₹213.9
52W Low
₹ 151.2
Dividend Yield
0.1%

Capri Global Capital Overview

Business

Capri Global Capital Ltd. (CGCL) is an Indian Non-Banking Financial Company (NBFC) primarily engaged in lending and financial services. Its core business model revolves around providing various types of loans, largely catering to underserved segments of the Indian economy. The company makes money primarily through the interest income generated from its loan portfolio, which includes MSME (Micro, Small, and Medium Enterprises) loans, affordable housing finance, construction finance, and potentially other retail loan segments like two-wheeler finance or gold loans. CGCL aims to bridge the credit gap for borrowers who may find it challenging to access credit from traditional banks.

Revenue Mix

CGCL's primary lending segments typically include:

MSME Loans: Providing secured and unsecured loans to small and medium-sized businesses for their working capital and expansion needs.

Affordable Housing Finance: Offering home loans to individuals, particularly in the low and middle-income groups, for the purchase or construction of homes in tier 2 and tier 3 cities.

Construction Finance / Wholesale Lending: Providing financing to real estate developers for various residential and commercial projects.

While specific revenue contribution percentages can fluctuate and are best found in their latest financial reports, these three segments form the major pillars of its loan book.

Industry

CGCL operates in India's highly competitive and regulated NBFC sector, which is a significant part of the broader financial services industry. The industry is characterized by a mix of large diversified players, niche specialists, and new-age FinTech lenders. CGCL positions itself as a growing mid-sized NBFC with a focus on specific, often underserved, market segments like MSMEs and affordable housing. It competes with other NBFCs, Housing Finance Companies (HFCs), and smaller private and public sector banks by leveraging its localized presence, faster decision-making, and tailored product offerings.

MOAT

CGCL's competitive advantages are primarily built around:

Niche Market Focus: Specializing in segments like affordable housing and MSME lending allows them to develop expertise and distribution specific to these markets, potentially capturing borrowers overlooked by larger banks.

Distribution Network & Localized Presence: Building a strong physical presence and relationship-based lending in tier 2/3 cities and semi-urban areas where demand for credit is high and competition might be less intense than metros.

Agility & Faster Turnaround: As an NBFC, it often offers quicker loan processing and disbursement compared to traditional banks, which is crucial for MSMEs and individual borrowers.

Underwriting Capabilities: Developing proprietary credit assessment models tailored to the specific risk profiles of their target customer segments.

Growth Drivers

Key factors that can drive CGCL's growth over the next 3-5 years include:

Rising Credit Demand: India's sustained economic growth and increasing financial inclusion will continue to drive demand for credit, especially in the MSME and affordable housing sectors.

Urbanization & Housing Deficit: Continued urbanization and the government's focus on "Housing for All" schemes will fuel demand for affordable housing finance.

Digitalization: Adoption of digital lending platforms and processes can enhance efficiency, reduce costs, expand reach, and improve customer experience.

Geographic Expansion: Expanding its branch network and presence in new underserved regions can tap into new customer bases.

Diversification of Loan Book: Gradual diversification into other retail loan products could provide additional growth avenues and risk mitigation.

Risks

Asset Quality & Credit Risk: Deterioration in asset quality, leading to an increase in Non-Performing Assets (NPAs), is a primary risk, especially given its focus on relatively riskier segments like MSMEs and affordable housing.

Funding & Liquidity Risk: Reliance on wholesale funding (bank loans, market borrowings) makes it susceptible to interest rate fluctuations and liquidity crunches in the financial markets.

Regulatory Risk: Changes in Reserve Bank of India (RBI) or National Housing Bank (NHB) regulations concerning capital adequacy, lending norms, or asset classification could impact its operations and profitability.

Competition: Intense competition from banks, other NBFCs, and emerging FinTech players can put pressure on interest margins and market share.

Economic Downturn: A slowdown in the Indian economy could adversely impact borrower's repayment capacity and increase delinquencies.

Management & Ownership

Capri Global Capital Ltd. is a promoter-driven company. The key promoters are Mr. Rajesh Sharma and Mr. Rajeev Sharma, who hold significant stakes and actively guide the company's strategic direction and operations. Their long-standing experience in the financial services sector provides continuity and vision. The ownership structure typically involves a substantial promoter holding, alongside institutional investors (FIIs, DIIs) and public shareholders. The management team works under the promoters' guidance to execute the business strategy and maintain operational efficiency.

Outlook

Capri Global Capital Ltd. is positioned to benefit from the ongoing demand for credit in India's underserved sectors, particularly MSMEs and affordable housing. Its focus on these segments, coupled with efforts in expanding its distribution and leveraging technology, presents a runway for growth. The company's ability to maintain healthy asset quality amidst economic fluctuations and manage its funding costs will be crucial for sustainable profitability. However, the inherent risks of the lending business, including credit risk, interest rate sensitivity, and intense competition from a diverse set of financial institutions, necessitates robust risk management and agile strategic execution to navigate the dynamic Indian financial landscape.

Capri Global Capital Share Price

Live · BSE / NSE · Inception: 1994
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Volume
Price

Key Financials — Profit & Loss

₹ in Cr · Consolidated · annual

Capri Global Capital Quarterly Results

#(Fig in Cr.) Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
Operating Revenue 605 649 718 752 821 957 1004 1121 1220 1385
Other Income 1 1 0 1 1 1 1 3 5 3
Total Income 606 649 718 753 822 958 1005 1124 1225 1388
Total Expenditure 270 276 325 289 293 336 356 378 426 485
Operating Profit 335 373 393 464 529 622 649 746 800 902
Interest Expense 221 243 272 311 333 358 394 406 431 499
Depreciation 25 24 23 25 26 29 25 26 28 31
Profit Before Tax 89 107 99 128 171 236 230 314 340 373
Provision for Tax 21 24 23 31 43 58 55 78 85 90
Profit After Tax 68 83 76 97 128 178 175 236 255 283
Adjustments 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 68 83 76 97 128 178 175 236 255 283
Adjusted Earnings Per Share 0.8 1 0.9 1.2 1.6 2.2 1.8 2.5 2.7 2.9

Capri Global Capital Profit & Loss

#(Fig in Cr.) Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
Operating Revenue 961 213 216 350 589 716 736 980 1464 2313 3248 4730
Other Income 11 2 19 23 3 3 1 1 4 7 3 12
Total Income 972 215 235 373 591 720 737 982 1468 2320 3251 4742
Total Expenditure 814 144 97 162 191 203 201 368 621 1029 1242 1645
Operating Profit 158 71 138 211 401 516 536 614 847 1291 2009 3097
Interest Expense 5 12 38 97 207 283 290 332 535 837 1274 1730
Depreciation 4 3 4 6 7 11 11 10 44 88 102 110
Profit Before Tax 149 56 96 108 187 222 236 273 268 366 633 1257
Provision for Tax 54 12 37 43 51 61 59 68 64 86 155 308
Profit After Tax 95 44 58 65 136 161 177 205 205 279 479 949
Adjustments 0 0 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 95 44 58 65 136 162 177 205 205 279 479 949
Adjusted Earnings Per Share 1.3 0.6 0.8 0.9 1.8 2.2 2.4 2.8 2.5 3.4 5.8 9.9

Capri Global Capital Balance Sheet

#(Fig in Cr.) Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Shareholder's Funds 1065 1103 1161 1252 1383 1539 1717 1922 3565 3837 4304
Minority's Interest 0 0 0 0 0 0 0 0 0 0 0
Borrowings 38 102 501 1417 2660 2792 3769 4762 7447 7560 11365
Current Liability 363 225 307 300 230 106 435 535 807 3847 5605
Other Liabilities & Provisions 2 0 16 -17 -19 -11 169 284 351 358 125
Total Liabilities 1467 1430 1984 2952 4254 4426 6090 7503 12170 15603 21400
Loans 597 894 1562 2796 4021 3928 4686 6271 9481 13421 18252
Investments 28 28 27 12 9 3 4 5 0 50 21
Fixed Assets 9 8 13 14 13 31 27 34 291 350 341
Other Loans 14 142 26 27 28 26 215 342 435 0 0
Other Non Current Assets 33 3 12 0 0 0 0 24 84 135 91
Current Assets 787 354 344 101 182 437 1157 828 1880 1646 2694
Total Assets 1467 1430 1984 2952 4254 4426 6090 7503 12170 15603 21400

Capri Global Capital Cash Flow

#(Fig in Cr.) Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Opening Cash & Cash Equivalents 3 17 16 11 29 150 62 171 323 1477 640
Cash Flow from Operating Activities 59 -73 -511 -857 -1115 210 -319 -1340 -3007 -3699 -4312
Cash Flow from Investing Activities -88 2 46 40 41 -352 -465 317 65 -7 60
Cash Flow from Financing Activities 44 69 460 835 1196 54 892 1176 4096 2869 5118
Net Cash Inflow / Outflow 15 -1 -6 18 122 -88 108 152 1154 -837 867
Closing Cash & Cash Equivalent 17 16 11 29 150 62 171 323 1477 640 1507

Capri Global Capital Ratios

# Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Earnings Per Share (Rs) 1.29 0.59 0.78 0.88 1.83 2.18 2.39 2.76 2.48 3.39 5.8
CEPS(Rs) 1.34 0.64 0.84 0.96 1.92 2.32 2.53 2.89 3.01 4.45 7.03
DPS(Rs) 0.07 0.07 0.07 0.07 0.09 0.05 0.09 0.12 0.13 0.15 0.2
Book NAV/Share(Rs) 14.38 14.88 15.67 16.88 18.63 20.7 23.06 25.74 42.93 46.13 51.71
Net Profit Margin 9.91 20.53 26.94 18.54 23.05 22.52 24.04 20.92 13.98 12.08 14.74
Operating Margin 16 31.75 61.92 58.59 66.93 70.57 71.37 61.64 54.84 52.02 58.73
PBT Margin 15.51 26.17 44.29 30.92 31.72 31 32.02 27.81 18.32 15.81 19.5
ROA(%) 7.04 3.01 3.41 2.63 3.77 3.72 3.37 3.02 2.08 2.01 2.59
ROE(%) 9.33 4.03 5.14 5.38 10.32 11.07 10.91 11.32 7.51 7.61 11.86
ROCE(%) 14.71 5.72 8.53 8.72 11.31 11.85 10.65 9.87 9.01 9.5 11.18
Price/Earnings(x) 6.13 10.46 16.69 24.42 22.48 18.56 37.66 52.69 65.72 60.32 29.37
Price/Book(x) 0.55 0.41 0.84 1.27 2.21 1.95 3.9 5.65 3.8 4.43 3.29
Dividend Yield(%) 0.9 1.15 0.54 0.33 0.21 0.12 0.11 0.08 0.08 0.07 0.12
EV/Net Sales(x) 0.62 2.73 7.82 8.87 9.6 8.04 13.87 15.59 13.28 11.5 8.66
EV/Core EBITDA(x) 3.8 8.16 12.23 14.7 14.1 11.16 19.06 24.89 22.97 20.61 13.99
Interest Earned Growth(%) -53.71 -77.88 1.48 62.27 68.16 21.65 2.79 33.18 49.37 57.96 40.41
Net Profit Growth 15.82 -54.17 33.16 11.66 109.03 18.85 9.75 15.87 -0.19 36.53 71.27
EPS Growth(%) 15.65 -54.17 33.16 11.86 108.68 19.04 9.46 15.63 -10.08 36.47 71.23
Interest Coverage(x) % 32.71 5.69 3.51 2.12 1.9 1.78 1.81 1.82 1.5 1.44 1.5

Growth Rates

Compounded annual
# 1 Year 3 Year 5 Year 10 Year
Sales CAGR +40% +49% +35% +13%
Operating Profit CAGR +56% +48% +31% +29%
PAT CAGR +72% +33% +24% +18%
Share Price CAGR +32% +5% +10% +41%
ROE Average +12% +9% +10% +9%
ROCE Average +11% +10% +10% +10%

Capri Global Capital Shareholding Pattern

Latest · Mar 2026
100% held
Promoters 59.92 %
FII 5.62 %
DII (MF + Insurance) 19.97 %
Public (retail) 40.08 %
# Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
Promoter 69.8969.8969.8969.8969.8769.8759.9559.9559.9259.92
FII 0.810.851.011.061.040.984.724.834.55.62
DII 14.1514.1714.114.5514.514.5120.420.1619.9719.97
Public 30.1130.1130.1130.1130.1330.1340.0540.0540.0840.08
Others 0000000000
Total 100100100100100100100100100100

Capri Global Capital Peer Comparison

Finance - Investment Edit Columns

Capri Global Capital Quarterly Price

10-year quarterly close · BSE
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News & Updates

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Capri Global Capital Pros & Cons

Pros

  • Company has delivered good profit growth of 24% CAGR over last 5 years

Cons

  • Company has a low return on equity of 9% over the last 3 years.
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