Capri Global Capital Limited (IN:CGCL)
:CGCL
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Capri Global Capital Limited
(CGCL)
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Rating:66Neutral
Price Target:
₹201.00
▲(9.27% Upside)
Action:Reiterated
Date:05/02/26
The score is driven primarily by improving operating performance (strong growth and better margins), offset by high leverage and a history of inconsistent cash generation. Technicals are supportive with a clear uptrend, and valuation is moderately attractive with a reasonable P/E.
Positive Factors
Revenue growth momentum
Sustained 31.9% top-line growth in FY2026 reflects expanding loan origination and market penetration via a branch-led distribution and secured lending focus. Durable revenue growth improves scale economics, supports reinvestment and underwriting capacity over the coming months.
Negative Factors
Elevated leverage
High leverage (debt-to-equity ~3.35x) amplifies returns but materially raises refinancing, interest-rate and liquidity risk. Elevated indebtedness limits flexibility to absorb shocks, increases funding cost sensitivity, and constrains capital choices over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue growth momentum
Sustained 31.9% top-line growth in FY2026 reflects expanding loan origination and market penetration via a branch-led distribution and secured lending focus. Durable revenue growth improves scale economics, supports reinvestment and underwriting capacity over the coming months.
Read all positive factors
Capri Global Capital Limited (CGCL) vs. iShares MSCI India ETF (INDA)
Market Cap
₹178.96B
Dividend Yield0.11%
Average Volume (3M)136.90K
Price to Earnings (P/E)16.4
Beta (1Y)0.76
Revenue Growth45.87%
EPS Growth74.12%
CountryIN
Employees6,820
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)8.20
Shares Outstanding962,154,000
10 Day Avg. Volume118,509
30 Day Avg. Volume136,895
Financial Highlights & Ratios
PEG Ratio0.22
Price to Book (P/B)2.16
Price to Sales (P/S)3.28
P/FCF Ratio12.71
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)13.85
Revenue Forecast (FY)₹38.99B
Capri Global Capital Limited Business Overview & Revenue Model
Company Description
Capri Global Capital Limited, a non-banking finance company, provides financial services in India. It offers home loans; micro, small, and medium enterprises (MSME) loans; housing loans; construction finance, including project funding and structur...
How the Company Makes Money
CGCL primarily makes money by lending and earning interest income on its loan portfolio. Its core revenue model is the net interest spread between (a) the yield it earns on loans extended to customers (e.g., secured retail and MSME credit) and (b)...
Capri Global Capital Limited Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
54
Neutral
Cash Flow
46
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 35.94B | 47.42B | 29.04B | 20.82B | 13.26B | 8.86B |
| Gross Profit | 14.47B | 26.39B | 8.57B | 6.02B | 4.25B | 3.82B |
| EBITDA | 11.70B | 13.67B | 7.68B | 4.88B | 3.28B | 2.86B |
| Net Income | 7.17B | 9.49B | 4.79B | 2.79B | 2.05B | 2.05B |
Balance Sheet | ||||||
| Total Assets | 244.13B | 326.76B | 208.31B | 151.50B | 117.95B | 71.53B |
| Cash, Cash Equivalents and Short-Term Investments | 18.44B | 21.23B | 15.31B | 8.66B | 15.10B | 5.72B |
| Total Debt | 167.86B | 241.12B | 155.77B | 104.07B | 75.11B | 48.57B |
| Total Liabilities | 177.40B | 254.73B | 165.27B | 113.13B | 82.29B | 52.30B |
| Stockholders Equity | 66.73B | 72.03B | 43.04B | 38.37B | 35.65B | 19.22B |
Cash Flow | ||||||
| Free Cash Flow | -22.73B | 12.25B | -43.77B | -37.68B | -31.25B | -13.53B |
| Operating Cash Flow | -22.53B | 12.85B | -43.12B | -37.00B | -29.94B | -13.41B |
| Investing Cash Flow | -39.12M | -111.01B | 600.48M | -70.51M | 520.93M | 4.67B |
| Financing Cash Flow | 25.68B | 103.91B | 51.18B | 28.70B | 40.96B | 11.76B |
Capri Global Capital Limited Technical Analysis
Neutral
183.95
Price Trends
177.84
Positive
176.97
Positive
183.38
Negative
Market Momentum
1.85
Positive
46.41
Neutral
11.89
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:CGCL, the sentiment is Neutral. The current price of 183.95 is below the 20-day moving average (MA) of 188.49, above the 50-day MA of 177.84, and above the 200-day MA of 183.38, indicating a neutral trend. The MACD of 1.85 indicates Positive momentum. The RSI at 46.41 is Neutral, neither overbought nor oversold. The STOCH value of 11.89 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IN:CGCL.
Capri Global Capital Limited Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ₹130.91B | 9.65 | ― | 0.36% | 13.26% | 1.90% | |
66 Neutral | ₹178.96B | 16.40 | ― | 0.11% | 45.87% | 74.12% | |
66 Neutral | ₹207.09B | 23.81 | ― | 0.77% | 5.00% | 45.78% | |
59 Neutral | ₹165.19B | 239.40 | ― | ― | 3.40% | 6.97% | |
58 Neutral | ₹197.74B | 7.80 | ― | ― | 34.64% | 316.68% | |
54 Neutral | ₹269.72B | 21.42 | ― | 0.80% | -5.36% | -17.52% |
* Financial Sector Average
IN:CGCL
Capri Global Capital Limited
186.00
24.37
15.08%
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40.69%
Capri Global Capital Limited Corporate Events
Capri Global Publishes FY 2026 Results in Leading Dailies
May 2, 2026
Capri Global Capital Limited has announced that it published its financial results for the quarter and year ended March 31, 2026, in leading newspapers, including the all-India English edition of Business Standard and the Marathi daily Mumbai Laks...
Capri Global files revised Q4 FY26 investor presentation with exchanges
Apr 30, 2026
Capri Global Capital Limited has submitted a revised investor presentation for the fourth quarter and year ended March 31, 2026 to BSE and the National Stock Exchange of India. The updated document, titled “Q4 and Year Ended March 31, 2026,&...
Capri Global AUM Tops Rs 36,000 Crore as FY26 Profit Nearly Doubles
Apr 30, 2026
Capri Global Capital Ltd. reported strong audited consolidated results for the quarter and year ended March 31, 2026, with total assets under management rising to Rs 36,623 crore, up 60.2% year-on-year, led by rapid growth in gold loans and steady...
Capri Global Capital Releases Q4 FY26 Investor Presentation Ahead of Earnings Call
Apr 30, 2026
Capri Global Capital Limited has released its investor presentation for the fourth quarter and full year ended March 31, 2026, in line with disclosure requirements under SEBI’s listing regulations. The presentation, linked to the companyR...
Capri Global Clears FY26 Results, Proposes Higher Borrowing Limit and Final Dividend
Apr 30, 2026
Capri Global Capital Limited’s board has approved the audited standalone and consolidated financial results for the quarter and year ended 31 March 2026, with the statutory auditors issuing an unmodified opinion on the accounts. The board al...
Capri Global Clears FY26 Results, Plans Higher Borrowing Limit for Growth
Apr 30, 2026
Capri Global Capital Limited’s board has approved the audited standalone and consolidated financial results for the quarter and year ended March 31, 2026, along with an unmodified auditors’ report, signaling clean accounts and regulato...
Capri Global Clears FY26 Results, Dividend and Seeks Higher Borrowing Limit
Apr 30, 2026
Capri Global Capital Limited’s board has approved the audited standalone and consolidated financial results for the quarter and year ended March 31, 2026, with statutory auditors issuing unmodified opinions, underscoring clean financial repo...
Capri Global Raises Borrowing Limit to Rs 35,000 Crore, Clears FY26 Results and Dividend
Apr 30, 2026
Capri Global Capital Limited’s board approved the audited standalone and consolidated financial results for the quarter and year ended 31 March 2026, with statutory auditors issuing an unmodified opinion on the accounts. The board also revie...
Capri Global Clears FY26 Results, Dividend and Higher Borrowing Limit
Apr 30, 2026
Capri Global Capital’s board has approved the audited standalone and consolidated financial results for the quarter and year ended 31 March 2026, with statutory auditors issuing an unmodified opinion. The board also reviewed the utilisation ...
Capri Global to Raise ₹5,000 Million via Tranche I Secured NCD Issue
Apr 9, 2026
Capri Global Capital Limited has launched the Tranche I public issue of secured, rated, listed, redeemable non-convertible debentures, seeking to raise up to ₹5,000 million, including a base issue of ₹1,000 million and a green shoe opt...
Capri Global Launches ₹5,000 Million Tranche I NCD Issue Under ₹20,000 Million Shelf
Mar 31, 2026
Capri Global Capital Limited has approved a public issue of secured, rated, listed, redeemable non-convertible debentures with a face value of ₹1,000 each, under a shelf limit of up to ₹20,000 million to be raised in one or more tranch...
Capri Global Clears Draft Shelf for ₹20 Billion NCD Issue
Mar 23, 2026
Capri Global Capital Limited has approved and adopted a draft shelf prospectus for a public issue of secured, rated, listed, redeemable non-convertible debentures with a face value of ₹1,000 each, aggregating up to ₹20,000 million. The...
Capri Global Board Clears Up to ₹2,000 Crore NCD Fundraise
Mar 10, 2026
Capri Global Capital’s board has approved raising up to ₹2,000 crore through a public issue of redeemable, rated, secured, listed non-convertible debentures, to be issued in one or more tranches and listed on BSE. The structure, tenure...
Capri Global to Raise Up to ₹2,000 Crore via Listed NCD Issue
Mar 10, 2026
Capri Global Capital Limited’s board has approved a plan to raise up to ₹2,000 crore through a public issue of secured, rated, listed, redeemable non-convertible debentures, to be issued in one or more tranches and listed on BSE. While...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.