Capri Global Capital Limited (IN:CGCL)
:CGCL
Top Page
Capri Global Capital Limited
(CGCL)
Select Model
Select Model
Rating:52Neutral
Price Target:
₹167.00
▼(-9.21% Downside)
Action:ReiteratedDate:11/26/25
Capri Global Capital Limited's overall stock score is primarily influenced by its financial performance and technical analysis. The company shows strong revenue growth but faces challenges with profitability and cash flow management. The technical indicators suggest bearish momentum, which could impact short-term stock performance. The valuation is fair, but the low dividend yield might not attract income-focused investors.
Positive Factors
Revenue Growth
Sustained top-line growth indicates expanding loan book and market penetration. Over 2-6 months this supports scale economies, better absorption of fixed costs and potential to cross-sell products. Durable revenue expansion underpins long-term franchise value if credit quality holds.
Negative Factors
High Leverage
Elevated leverage materially increases funding and refinancing risk for an NBFC, amplifying vulnerability to interest rate shocks and liquidity squeezes. Over months this constrains flexibility, raises interest expense sensitivity, and can force asset sales or capital raises under stress.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Sustained top-line growth indicates expanding loan book and market penetration. Over 2-6 months this supports scale economies, better absorption of fixed costs and potential to cross-sell products. Durable revenue expansion underpins long-term franchise value if credit quality holds.
Read all positive factors
Capri Global Capital Limited (CGCL) vs. iShares MSCI India ETF (INDA)
Market Cap
₹172.32B
Dividend Yield0.11%
Average Volume (3M)136.90K
Price to Earnings (P/E)17.2
Beta (1Y)0.53
Revenue Growth43.41%
EPS Growth109.52%
CountryIN
Employees6,820
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)2.65
Shares Outstanding962,154,000
10 Day Avg. Volume118,509
30 Day Avg. Volume136,895
Financial Highlights & Ratios
PEG Ratio0.42
Price to Book (P/B)3.30
Price to Sales (P/S)4.90
P/FCF Ratio-3.25
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)12.98
Revenue Forecast (FY)₹42.05B
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
65
Positive
Balance Sheet
55
Neutral
Cash Flow
40
Negative
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 35.94B | 29.04B | 20.82B | 13.26B | 8.86B | 6.70B |
| Gross Profit | 14.47B | 8.57B | 6.02B | 4.25B | 3.82B | 2.94B |
| EBITDA | 11.70B | 7.68B | 4.88B | 3.28B | 2.86B | 2.49B |
| Net Income | 7.17B | 4.79B | 2.79B | 2.05B | 2.05B | 1.77B |
Balance Sheet | ||||||
| Total Assets | 244.13B | 208.31B | 151.50B | 117.95B | 71.53B | 58.13B |
| Cash, Cash Equivalents and Short-Term Investments | 18.44B | 15.31B | 8.66B | 15.10B | 5.72B | 8.26B |
| Total Debt | 167.86B | 155.77B | 104.07B | 75.11B | 48.57B | 37.69B |
| Total Liabilities | 177.40B | 165.27B | 113.13B | 82.29B | 52.30B | 40.96B |
| Stockholders Equity | 66.73B | 43.04B | 38.37B | 35.65B | 19.22B | 17.17B |
Cash Flow | ||||||
| Free Cash Flow | -22.73B | -43.77B | -37.68B | -31.25B | -13.53B | -3.57B |
| Operating Cash Flow | -22.53B | -43.12B | -37.00B | -29.94B | -13.41B | -3.53B |
| Investing Cash Flow | -39.12M | 600.48M | -70.51M | 520.93M | 4.67B | -4.64B |
| Financing Cash Flow | 25.68B | 51.18B | 28.70B | 40.96B | 11.76B | 8.92B |
Capri Global Capital Limited Technical Analysis
Neutral
183.95
Price Trends
169.53
Positive
177.77
Negative
181.45
Negative
Market Momentum
-0.20
Negative
51.59
Neutral
48.69
Neutral
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 above the 20-day moving average (MA) of 167.49, above the 50-day MA of 169.53, and above the 200-day MA of 181.45, indicating a neutral trend. The MACD of -0.20 indicates Negative momentum. The RSI at 51.59 is Neutral, neither overbought nor oversold. The STOCH value of 48.69 is Neutral, 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% | |
64 Neutral | ₹190.25B | 13.98 | ― | ― | 8.01% | -20.87% | |
59 Neutral | ₹120.04B | 14.49 | ― | 0.36% | 20.44% | 13.10% | |
56 Neutral | ₹197.72B | 20.20 | ― | 0.77% | 0.75% | -90.03% | |
55 Neutral | ₹149.18B | -220.42 | ― | ― | -12.62% | 175.71% | |
52 Neutral | ₹172.32B | 17.22 | ― | 0.11% | 43.41% | 109.52% | |
49 Neutral | ₹228.11B | 27.09 | ― | 0.80% | -3.68% | -80.12% |
* Financial Sector Average
IN:CGCL
Capri Global Capital Limited
179.10
25.21
16.38%
IN:CREDITACC
CreditAccess Grameen Ltd.
1,234.25
217.30
21.37%
IN:FIVESTAR
Five-Star Business Finance Limited
407.50
-287.79
-41.39%
IN:IFCI
IFCI Limited
55.37
15.41
38.56%
IN:IIFL
IIFL Finance Limited
447.35
124.69
38.64%
IN:MANAPPURAM
Manappuram Finance Limited
269.50
46.31
20.75%
Capri Global Capital Limited Corporate Events
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...
Capri Global Board Clears Q3 FY26 Results, $1 Billion GMTN Plan and Rs 200 Crore Housing Finance Infusion
Jan 29, 2026
Capri Global Capital Limited’s board has approved the unaudited standalone and consolidated financial results for the quarter ended December 31, 2025, along with an unmodified limited review report from the joint statutory auditors, a statem...
Capri Global Clears $1 Billion GMTN Plan and Rs 200 Crore Infusion into Housing Finance Arm
Jan 29, 2026
Capri Global Capital Limited’s board has approved a series of measures including the establishment of a Global Medium Term Note (GMTN) programme of up to USD 1 billion to raise funds via foreign currency bonds or other debt securities, which...
Capri Global Unveils $1 Billion GMTN Plan, Injects ₹200 Crore into Housing Finance Arm
Jan 29, 2026
Capri Global Capital’s board has approved the unaudited standalone and consolidated financial results for the quarter ended 31 December 2025, along with an unmodified limited review report, and disclosed the utilisation of proceeds from non-...
Capri Global Releases Q3 FY26 Earnings Investor Presentation
Jan 29, 2026
Capri Global Capital Limited has announced that it has made available its Q3 FY26 earnings investor presentation to the stock exchanges and on its website, in line with regulatory disclosure requirements under SEBI’s listing regulations. The...
Capri Global Profit Nearly Doubles as AUM Jumps 47% in Q3 FY26
Jan 29, 2026
Capri Global Capital Limited reported a sharp expansion in its lending franchise in the third quarter of FY26, with consolidated assets under management rising 47.1% year-on-year to ₹30,406 crore, led by strong growth in gold loans (up 80.2%...
Capri Global Says Statutory Auditor Converts to LLP Without Affecting Audit Mandate
Jan 14, 2026
Capri Global Capital Limited has announced that its statutory auditor, MSKA Associates, Chartered Accountants, has been converted from a partnership firm into a Limited Liability Partnership under the Limited Liability Partnership Act, 2008, and ...
Capri Global’s CRISIL A1+ Rating Reaffirmed as Commercial Paper Limit Raised to Rs 1,500 Crore
Jan 9, 2026
Capri Global Capital Limited has had its short-term credit rating of ‘CRISIL A1+’ reaffirmed by CRISIL Ratings Limited and simultaneously secured an enhancement in the limit of its commercial paper programme from Rs 700 crore to Rs 1,5...
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.