Capri Global Capital Limited (CGCL) AI Stock Analysis

• Market Cap: ₹189.59B
• Dividend Yield: 0.11%
• Average Volume (3M): 136.90K
• Price to Earnings (P/E): 24.0
• Beta (1Y): 0.72
• Revenue Growth: 43.41%
• EPS Growth: 109.52%
• Country: IN
• Employees: 6,820
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 2.40
• Shares Outstanding: 961,635,130
• 10 Day Avg. Volume: 118,509
• 30 Day Avg. Volume: 136,895
• PEG Ratio: 0.42
• Price to Book (P/B): 3.30
• Price to Sales (P/S): 4.37
• P/FCF Ratio: -3.25
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 52 Neutral
• Price Target: ₹190.00 ▲(0.98% Upside)

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

Strong revenue growth indicates effective market penetration and demand for CGCL's financial products, supporting long-term business expansion.

Operational Efficiency

Sustained operational efficiency through a solid EBIT margin suggests effective cost management, enhancing profitability prospects over time.

Improved Return on Equity

Improved ROE indicates better utilization of shareholder funds, which can attract investors and support future growth initiatives.

Negative Factors

High Leverage

Significant leverage poses financial risks, potentially limiting flexibility and increasing vulnerability to economic downturns.

Cash Flow Challenges

Negative cash flows highlight liquidity issues, which can constrain operations and investment capacity, impacting long-term sustainability.

Declining Profit Margins

Decreasing profit margins suggest pressure on earnings, potentially affecting the company's ability to reinvest and grow.

Capri Global Capital Limited Business Overview & Revenue Model

Company Description

Capri Global Capital Limited (CGCL) is a diversified financial services company based in India, primarily focused on providing a wide range of financial solutions including loans, investments, and asset management. The company operates in various sectors such as retail finance, wholesale finance, and alternative investment funds, catering to both individual and institutional clients. CGCL is committed to enhancing financial inclusion by offering tailored products designed to meet the diverse needs of its customers.

How the Company Makes Money

Capri Global Capital Limited generates revenue through several key streams. Primarily, the company earns interest income from its lending activities, which include personal loans, business loans, and mortgage financing. Additionally, CGCL generates income from fees associated with loan processing and servicing. The company also earns revenue from its asset management division, which involves managing investment funds and portfolios for clients, charging management fees based on assets under management. Strategic partnerships with financial institutions and a strong focus on risk management further enhance CGCL's profitability by enabling it to expand its lending capabilities while maintaining a healthy asset quality.

Capri Global Capital Limited Financial Statement Overview

Summary

Capri Global Capital Limited shows strong revenue growth and operational efficiency, but faces challenges with profitability margins and cash flow management. The high leverage on the balance sheet poses potential risks, although returns on equity have improved. The company needs to address cash flow issues to ensure sustainable financial health.

Income Statement

Capri Global Capital Limited has shown a solid revenue growth rate of 15.59% in the most recent year, indicating strong top-line expansion. However, the gross profit margin has fluctuated significantly, with a negative margin in 2024, impacting overall profitability. The net profit margin has decreased from 20.92% in 2024 to 14.72% in 2025, suggesting pressure on net earnings. Despite these challenges, the company maintains a reasonable EBIT margin of 22.58%, reflecting operational efficiency.

Balance Sheet

The company exhibits a high debt-to-equity ratio of 3.62, indicating significant leverage which could pose financial risks. The return on equity has improved to 11.12% in 2025, showing better utilization of shareholder funds. However, the equity ratio remains low, suggesting a reliance on debt financing. Overall, the balance sheet reflects a leveraged position with moderate returns.

Cash Flow

Capri Global Capital Limited faces challenges in cash flow management, with negative operating and free cash flows in recent years. The free cash flow to net income ratio is slightly above 1, indicating that free cash flow covers net income, but the negative growth in free cash flow is concerning. The operating cash flow to net income ratio is negative, highlighting cash flow issues relative to earnings.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	31.54B	29.04B	20.82B	13.26B	8.86B	6.70B
Gross Profit	9.84B	8.57B	6.02B	4.25B	3.82B	2.94B
EBITDA	9.15B	7.68B	4.88B	3.28B	2.86B	2.49B
Net Income	5.78B	4.79B	2.79B	2.05B	2.05B	1.77B
Balance Sheet
Total Assets	0.00	208.31B	151.50B	117.95B	71.53B	58.13B
Cash, Cash Equivalents and Short-Term Investments	0.00	15.31B	8.66B	15.10B	5.72B	8.26B
Total Debt	0.00	155.77B	104.07B	75.11B	48.57B	37.69B
Total Liabilities	-43.04B	165.27B	113.13B	82.29B	52.30B	40.96B
Stockholders Equity	43.04B	43.04B	38.37B	35.65B	19.22B	17.17B
Cash Flow
Free Cash Flow	0.00	-43.77B	-37.68B	-31.25B	-13.53B	-3.57B
Operating Cash Flow	0.00	-43.12B	-37.00B	-29.94B	-13.41B	-3.53B
Investing Cash Flow	0.00	600.48M	-70.51M	520.93M	4.67B	-4.64B
Financing Cash Flow	0.00	51.18B	28.70B	40.96B	11.76B	8.92B

Capri Global Capital Limited Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 188.15
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:CGCL, the sentiment is Negative. The current price of 188.15 is below the 20-day moving average (MA) of 193.55, below the 50-day MA of 193.89, and above the 200-day MA of 177.36, indicating a neutral trend. The MACD of -2.03 indicates Positive momentum. The RSI at 39.46 is Neutral, neither overbought nor oversold. The STOCH value of 27.17 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:CGCL.

Capri Global Capital Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FIVESTAR	67 Neutral	₹192.26B	17.36	―	0.34%	20.44%	13.10%
IIFL	66 Neutral	₹229.09B	26.68	―	―	8.01%	-20.87%
CREDITACC	54 Neutral	₹220.37B	164.97	―	0.75%	0.75%	-90.03%
CGCL	52 Neutral	₹189.59B	24.01	―	0.11%	43.41%	109.52%
MANAPPURAM	49 Neutral	₹235.27B	52.38	―	0.89%	-3.68%	-80.12%
IFCI	45 Neutral	₹151.47B	47.22	―	―	-12.62%	175.71%

Capri Global Capital Limited Corporate Events

Capri Global Capital to Engage with Analysts and Investors at Debt Market Summit

Capri Global Capital Limited has announced its participation in group meetings with analysts and investors at the 5th Edition of India’s Debt Capital Market Summit in Mumbai. This engagement reflects the company’s proactive approach to maintaining transparency and strengthening relationships with key stakeholders in the financial sector.

Capri Global Capital Schedules Q2 FY26 Earnings Call

Capri Global Capital Limited has announced an earnings conference call scheduled for October 31, 2025, to discuss its financial performance for the second quarter of fiscal year 2026. The call will involve key members of the company’s senior management and will be based on publicly available information, ensuring no unpublished price-sensitive information is shared. This announcement is significant for stakeholders as it provides an opportunity to gain insights into the company’s financial health and strategic direction.

Capri Global Housing Finance Expands in Telangana with New Hyderabad Office

Capri Global Housing Finance Ltd., a subsidiary of Capri Global Capital Limited, has inaugurated its first regional office in Hyderabad, Telangana, marking a significant milestone in its expansion into South India. This move is part of a broader strategy to open seven new branches across the state, aiming to meet the strong demand for affordable housing finance in a market valued at over ₹500 crore. The expansion underscores Capri Global’s commitment to serving underserved communities and strengthening its presence in India’s housing finance landscape.

Capri Global Capital Announces ₹4,000 Million NCD Public Issue

Capri Global Capital Limited has announced the public issuance of non-convertible debentures (NCDs) with a face value of ₹1,000 each, totaling up to ₹4,000 million. This issuance includes a base issue size of ₹2,000 million with an option to retain oversubscription up to ₹2,000 million, known as the Green Shoe Option. The NCDs are secured, rated, listed, and redeemable, and will be listed on BSE Limited. The issuance is backed by strong credit ratings from Acuite Ratings & Research Limited and Infomerics Valuation and Rating Limited, indicating a high degree of safety regarding timely servicing of financial obligations. The public issue is set to open on September 30, 2025, and close on October 14, 2025.

Capri Global Capital Limited Announces Draft Prospectus for Debenture Issuance

Capri Global Capital Limited has announced the approval and adoption of a draft prospectus for a public issuance of non-convertible debentures, with a face value of ₹1,000 each, amounting to ₹400 Crore. This strategic move, approved by the Management Committee of the Board of Directors, is part of a larger plan to raise up to ₹1,000 Crore, potentially enhancing the company’s financial standing and market position.

Capri Global Capital to Engage with Analysts and Investors in Virtual Conference

Capri Global Capital Limited has announced its participation in a virtual conference with analysts and investors, scheduled for September 22, 2025. This engagement is part of their compliance with SEBI regulations and reflects the company’s ongoing efforts to maintain transparency and communication with stakeholders.