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Capri Global Capital Limited
(CGCL)
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Rating:65Neutral
Price Target:
₹261.00
â–²(41.89% Upside)
Action:Reiterated
Date:07/07/26
The score is driven primarily by improving FY2026 financial results (strong growth and better margins), tempered by high leverage and historically inconsistent cash generation. Technicals are supportive with a strong uptrend, but overbought signals add near-term risk. Valuation is mixed: a moderate P/E is partly offset by a high dividend yield.
Positive Factors
Revenue Growth
Sustained double-digit top-line growth reflects expanding loan originations and stronger market penetration across retail and SME segments. Over a multi-month horizon, durable revenue expansion improves scale, supports fixed-cost absorption, and provides capacity to build reserves against credit shocks.
Negative Factors
High Leverage
A debt-heavy balance sheet magnifies returns but materially increases sensitivity to funding-cost rises and liquidity stress. For an NBFC, elevated leverage constrains strategic flexibility, raises refinancing risk, and can rapidly erode capital if asset quality weakens, making the business cycle-exposed.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Sustained double-digit top-line growth reflects expanding loan originations and stronger market penetration across retail and SME segments. Over a multi-month horizon, durable revenue expansion improves scale, supports fixed-cost absorption, and provides capacity to build reserves against credit shocks.
Read all positive factors
Capri Global Capital Limited (CGCL) vs. iShares MSCI India ETF (INDA)
Market Cap
₹246.65B
Dividend Yield0.08%
Average Volume (3M)136.90K
Price to Earnings (P/E)24.8
Beta (1Y)0.82
Revenue Growth45.87%
EPS Growth74.12%
CountryIN
Employees6,820
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)10.09
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)14.23
Revenue Forecast (FY)₹45.79B
Capri Global Capital Limited Business Overview & Revenue Model
Company Description
Capri Global Capital Limited, an Indian non-banking financial institution established in Mumbai in 1994, offers a wide array of financial services throughout the country. Its product portfolio includes various lending solutions such as home loans,...
How the Company Makes Money
CGCL primarily makes money by extending loans and earning interest income on its loan book. Its core revenue streams generally include (1) interest income from borrowers on term loans and other credit products, (2) fees and charges associated with...
Capri Global Capital Limited Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
54
Neutral
Cash Flow
46
Neutral
| Breakdown | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 47.42B | 29.04B | 20.82B | 13.26B | 8.86B |
| Gross Profit | 26.39B | 8.57B | 6.02B | 4.25B | 3.82B |
| EBITDA | 13.67B | 7.68B | 4.88B | 3.28B | 2.86B |
| Net Income | 9.49B | 4.79B | 2.79B | 2.05B | 2.05B |
Balance Sheet | |||||
| Total Assets | 326.76B | 208.31B | 151.50B | 117.95B | 71.53B |
| Cash, Cash Equivalents and Short-Term Investments | 21.23B | 15.31B | 8.66B | 15.10B | 5.72B |
| Total Debt | 241.12B | 155.77B | 104.07B | 75.11B | 48.57B |
| Total Liabilities | 254.73B | 165.27B | 113.13B | 82.29B | 52.30B |
| Stockholders Equity | 72.03B | 43.04B | 38.37B | 35.65B | 19.22B |
Cash Flow | |||||
| Free Cash Flow | 12.25B | -43.77B | -37.68B | -31.25B | -13.53B |
| Operating Cash Flow | 12.85B | -43.12B | -37.00B | -29.94B | -13.41B |
| Investing Cash Flow | -111.01B | 600.48M | -70.51M | 520.93M | 4.67B |
| Financing Cash Flow | 103.91B | 51.18B | 28.70B | 40.96B | 11.76B |
Capri Global Capital Limited Technical Analysis
Positive
183.95
Price Trends
212.94
Positive
193.62
Positive
189.90
Positive
Market Momentum
13.63
Negative
76.20
Negative
79.14
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:CGCL, the sentiment is Positive. The current price of 183.95 is below the 20-day moving average (MA) of 236.63, below the 50-day MA of 212.94, and below the 200-day MA of 189.90, indicating a bullish trend. The MACD of 13.63 indicates Negative momentum. The RSI at 76.20 is Negative, neither overbought nor oversold. The STOCH value of 79.14 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:CGCL.
Capri Global Capital Limited Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
67 Neutral | ₹164.53B | 15.29 | ― | 0.36% | 13.26% | 1.90% | |
66 Neutral | ₹236.94B | 30.82 | ― | 0.77% | 5.00% | 45.78% | |
65 Neutral | ₹246.65B | 24.78 | ― | 0.11% | 45.87% | 74.12% | |
58 Neutral | ₹236.14B | 14.27 | ― | ― | 34.64% | 316.68% | |
57 Neutral | ₹194.48B | 109.15 | ― | ― | 3.40% | 6.97% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
54 Neutral | ₹305.89B | 28.59 | ― | 0.80% | -5.36% | -17.52% |
* General Sector Average
IN:CGCL
Capri Global Capital Limited
249.70
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37.42%
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25.72%
Capri Global Capital Limited Corporate Events
Capri Global Strengthens Senior Bench With New HR and Collections Chiefs
Jul 8, 2026
Capri Global Capital Limited has approved the appointment of Mr. Ignatius Kaitha as Chief Human Resource Officer and designated him as Senior Management Personnel, effective July 8, 2026. Kaitha brings over two decades of HR leadership in major ba...
Capri Global bolsters leadership with new HR and collections chiefs
Jul 8, 2026
Capri Global Capital Limited has strengthened its senior leadership team with the appointment of Ignatius Kaitha as Chief Human Resource Officer and Ateet Parikh as Chief Collection Officer, both designated as senior management personnel. The appo...
Capri Global Secures Acuité Rating Upgrade and Expanded Bank Limits
Jul 2, 2026
Capri Global Capital Limited announced that Acuité Ratings Research has upgraded its existing bank loan facilities of Rs. 9,550 crore and non-convertible debentures of Rs. 2,850 crore to ACUITE AA+ with a Stable outlook. Acuité also enh...
Capri Global Schedules Overseas Investor Meetings for Late June 2026
Jun 23, 2026
Capri Global Capital Limited has announced that it will hold a series of investor and analyst meetings outside India from June 30, 2026 to July 2, 2026, subject to market conditions. These engagements will include calls, virtual and physical meeti...
Capri Global Plans Overseas Investor Meetings for Late June 2026
Jun 23, 2026
Capri Global Capital Limited has announced that it will engage with institutional investors and analysts outside India through a series of calls, virtual sessions and in-person meetings between June 30 and July 2, 2026, subject to market condition...
Capri Global Schedules Overseas Investor Meets for Q4 FY2026 Updates
Jun 23, 2026
Capri Global Capital Limited has scheduled a series of investor and analyst interactions outside India, including calls, virtual and physical meetings, from June 30 to July 2, 2026, subject to market conditions. These engagements will cover busine...
Capri Global to Brief Analysts and Investors at Mumbai Conference
Jun 18, 2026
Capri Global Capital Limited has announced that its representatives will participate in an in-person group meeting with analysts and investors at the Go India Advisors Flagship Promoters Conference 2026, to be held at the St. Regis Hotel in Mumbai...
Capri Global Opens Special Window for Physical Share Transfers; Eco Recycling Revises Warrant Issue Price
May 7, 2026
Capri Global Capital Limited has notified the stock exchanges that it has published newspaper advertisements in Business Standard and Mumbai Lakshadeep announcing a special window for re-lodgement of transfer requests for physical shares. The move...
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 ...
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.