ALFA Finder| Management target | Revenue 30.0% FY28 |
|---|
| Revenue growth | 62% YoY AUM growth driven by retail gold and housing loans. |
|---|---|
| Margins | Net Interest Margin expanded to 7.8% following yield improvements in gold. |
| Demand visibility | Strong retail demand in South/East India; expanding branch footprint aggressively. |
| Management confidence | Extremely bullish, evidenced by upwardly revised multi-year AUM targets. |
Growth
AUM grew 62% YoY to ₹40,112 Cr; Gold loans surged 111%, now accounting for 48% of the total book.
Outlook
Management aggressively raised FY28 AUM guidance to ₹65,000 Cr, targeting 19-21% ROE and 4.2-4.7% ROA.
Risks
Construction finance GNPA rose from 0.3% to 0.7%; gold loan Stage 2 assets spiked due to gold price volatility.
Last quarter's promises, checked
Delivered
- AUM Growth Guided ~30% → delivered 62% (= BEAT)
- Cost-to-Income Guided ~50% → delivered 44.2% (= BEAT)
- ROAA Guided ~3.5% → delivered 4.2-4.7% range (= BEAT)
Partly delivered
- Branch expansion Guided 200-250 → delivered 400 planned/active (= BEAT)
Missed
- GNPA Guided <2% → delivered 0.7% in CF but volatility noted (= BEAT)
Earnings Call Transcript filed with BSE, NSE: CGCL. Summary written with AI assistance from the document.
Capri Global Capital Ltd: key numbers
- Share price
- ₹247.50
- Market cap
- ₹23,813 Cr
- Revenue (annual)
- ₹4,731 Cr
- Net profit (annual)
- ₹949.1 Cr
- P/E (TTM)
- 18.2×Sector 20.8×
- Promoter holding
- 59.92%+0.00% QoQ
- FII holding
- 13.00%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Capri Global Capital Ltd
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- Value
- ₹3.87 Cr
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- Value
- ₹0.79 Cr
Capri Global Capital Debt & Borrowing: ₹50 Cr
Capri Global Capital redeemed ₹50 Crore of BSE-listed Commercial Paper at maturity on November 2, 2026. The filing confirms timely principal payment with NIL outstanding interest.
- Value
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Capri Global Capital Debt & Borrowing: ₹285 Cr
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- Value
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Capri Global paid interest on four listed NCD series ahead of their due dates, totalling Rs.1.42 Crore. The Reg 57 certificate reports no payment changes or delays.
- Value
- ₹1.42 Cr