Capri Global Capital Limited (CGCL) AI Stock Analysis

• Market Cap: ₹178.19B
• Dividend Yield: 0.11%
• Average Volume (3M): 134.01K
• Price to Earnings (P/E): 26.7
• Beta (1Y): 0.67
• Revenue Growth: 39.82%
• EPS Growth: 96.14%
• Country: IN
• Employees: 6,820
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 1.95
• Shares Outstanding: 961,635,130
• 10 Day Avg. Volume: 125,312
• 30 Day Avg. Volume: 134,010
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• 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: ₹192.00
• Price Target Upside: 3.62% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 56 Neutral
• Price Target: ₹192.00 ▲(3.62% Upside)

Capri Global Capital Limited's stock score is primarily influenced by its financial performance and technical analysis. The company shows strong revenue growth and operational efficiency, but faces challenges with profitability and cash flow management, which are significant risks. The technical indicators suggest a positive trend, providing some support to the stock. However, the high P/E ratio and low dividend yield indicate valuation concerns, impacting the overall score.

Capri Global Capital Limited Business Overview & Revenue Model

Company Description

Capri Global Capital Limited (CGCL) is a diversified financial services company based in India, specializing in providing a range of financial products and services. The company primarily operates in the sectors of retail and wholesale financing, with a focus on small and medium-sized enterprises (SMEs) and individual consumers. CGCL's core offerings include secured and unsecured loans, working capital financing, and various investment solutions tailored to meet the needs of its clients.

How the Company Makes Money

CGCL generates revenue primarily through interest income from its lending activities, which includes both secured and unsecured loans. The company earns interest on the loans extended to SMEs and individual borrowers, which forms a significant portion of its revenue. Additionally, CGCL may charge processing fees, late payment fees, and other service charges associated with its loan products. The company also engages in investment activities, where it earns returns from its investments in various financial instruments. Partnerships with financial institutions and strategic collaborations enhance its lending capacity and market reach, contributing to its overall earnings. Furthermore, CGCL's focus on expanding its customer base and diversifying its financial products helps in maintaining a robust revenue stream.

Capri Global Capital Limited Financial Statement Overview

Summary

Capri Global Capital Limited demonstrates 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 2023	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	31.90B	32.51B	13.48B	13.35B	8.75B	6.70B
Gross Profit	13.08B	17.92B	3.85B	-1.44B	3.71B	3.41B
EBITDA	7.36B	8.36B	2.85B	4.88B	6.18B	5.39B
Net Income	4.79B	4.79B	2.05B	2.79B	2.05B	1.77B
Balance Sheet
Total Assets	208.31B	208.31B	117.95B	151.50B	71.53B	58.13B
Cash, Cash Equivalents and Short-Term Investments	15.31B	15.31B	15.10B	8.66B	5.72B	8.26B
Total Debt	155.77B	155.77B	75.11B	104.07B	48.08B	37.69B
Total Liabilities	165.27B	165.27B	82.29B	113.13B	52.30B	40.96B
Stockholders Equity	43.04B	43.04B	35.65B	38.37B	19.22B	17.17B
Cash Flow
Free Cash Flow	0.00	-43.77B	-31.25B	-37.68B	-13.53B	-3.57B
Operating Cash Flow	0.00	-43.12B	-29.94B	-37.00B	-13.41B	-3.53B
Investing Cash Flow	0.00	600.48M	520.93M	-70.51M	4.67B	-4.64B
Financing Cash Flow	0.00	51.18B	40.96B	28.70B	10.26B	9.25B

Capri Global Capital Limited Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 185.30
• 50DMA: Negative
• 100DMA: Positive
• 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 Neutral. The current price of 185.3 is below the 20-day moving average (MA) of 187.98, below the 50-day MA of 186.29, and above the 200-day MA of 175.57, indicating a neutral trend. The MACD of 1.15 indicates Positive momentum. The RSI at 46.17 is Neutral, neither overbought nor oversold. The STOCH value of 33.58 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
IIFL	57 Neutral	₹178.24B	54.99	3.05%	―	2.65%	-81.55%
CGCL	56 Neutral	₹178.19B	26.73	―	0.11%	39.82%	96.14%
FIVESTAR	56 Neutral	₹150.31B	13.78	17.01%	0.39%	25.49%	19.81%
MANAPPURAM	56 Neutral	₹234.46B	29.31	9.78%	1.08%	4.83%	-64.41%
IFCI	52 Neutral	₹143.71B	43.83	1.97%	―	-4.18%	109.86%
CREDITACC	51 Neutral	₹220.80B	113.65	7.64%	0.72%	3.79%	-87.06%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Capri Global Capital Limited Corporate Events

Capri Global Capital Limited Releases Q1 FY26 Earnings Presentation

Capri Global Capital Limited has released its Q1 FY26 Earnings Presentation, which is set to be discussed in an upcoming earnings conference call. This presentation is part of the company’s ongoing efforts to maintain transparency and keep stakeholders informed about its financial performance and strategic direction.

Capri Global Capital Limited Announces Key Operational Updates

Capri Global Capital Limited has announced general updates regarding its operations. The company has provided information on various meetings and decisions taken in recent times, highlighting its compliance with regulatory requirements and strategic initiatives. These updates are crucial for stakeholders as they reflect the company’s ongoing efforts to align with market demands and regulatory standards, potentially impacting its market positioning and operational efficiency.

Capri Global Capital Limited Announces Financial Transparency Initiative

Capri Global Capital Limited has announced a newspaper publication related to its financial operations. The release outlines the company’s adherence to regulatory requirements and its commitment to transparency in financial reporting. This announcement is likely to reinforce stakeholder confidence and may positively impact the company’s market position by demonstrating its dedication to compliance and governance.

Capri Global Capital Reports Robust Q1 FY26 Financial Growth

Capri Global Capital Limited reported its unaudited standalone and consolidated financial results for the first quarter ended June 30, 2025, showcasing significant growth across key financial metrics. The company achieved a 41.8% year-over-year increase in assets under management (AUM) and a 131% rise in consolidated profit after tax (PAT). This growth was driven by substantial increases in gold loans and construction finance, reflecting the company’s strong business momentum and strategic focus on expanding its loan portfolio.