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Capri Global Capital Limited (IN:CGCL)
:CGCL
India Market
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Capri Global Capital Limited (CGCL) AI Stock Analysis

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IN:CGCL

Capri Global Capital Limited

(CGCL)

Rating:56Neutral
Price Target:
₹192.00
▲(4.09% 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 (CGCL) vs. iShares MSCI India ETF (INDA)

Capri Global Capital Limited Business Overview & Revenue Model

Company DescriptionCapri 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 MoneyCGCL 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
65
Positive
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
55
Neutral
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
40
Negative
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.
BreakdownTTMDec 2025Dec 2023Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue31.90B32.51B13.48B13.35B8.75B6.70B
Gross Profit13.08B17.92B3.85B-1.44B3.71B3.41B
EBITDA7.36B8.36B2.85B4.88B6.18B5.39B
Net Income4.79B4.79B2.05B2.79B2.05B1.77B
Balance Sheet
Total Assets208.31B208.31B117.95B151.50B71.53B58.13B
Cash, Cash Equivalents and Short-Term Investments15.31B15.31B15.10B8.66B5.72B8.26B
Total Debt155.77B155.77B75.11B104.07B48.08B37.69B
Total Liabilities165.27B165.27B82.29B113.13B52.30B40.96B
Stockholders Equity43.04B43.04B35.65B38.37B19.22B17.17B
Cash Flow
Free Cash Flow0.00-43.77B-31.25B-37.68B-13.53B-3.57B
Operating Cash Flow0.00-43.12B-29.94B-37.00B-13.41B-3.53B
Investing Cash Flow0.00600.48M520.93M-70.51M4.67B-4.64B
Financing Cash Flow0.0051.18B40.96B28.70B10.26B9.25B

Capri Global Capital Limited Technical Analysis

Technical Analysis Sentiment
Neutral
Last Price184.45
Price Trends
50DMA
181.39
Positive
100DMA
173.06
Positive
200DMA
176.73
Positive
Market Momentum
MACD
1.33
Positive
RSI
48.27
Neutral
STOCH
38.44
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 184.45 is below the 20-day moving average (MA) of 187.06, above the 50-day MA of 181.39, and above the 200-day MA of 176.73, indicating a neutral trend. The MACD of 1.33 indicates Positive momentum. The RSI at 48.27 is Neutral, neither overbought nor oversold. The STOCH value of 38.44 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

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
68
Neutral
$17.80B11.8710.23%3.74%9.69%1.18%
56
Neutral
₹177.37B26.61
0.08%39.82%96.14%
56
Neutral
₹156.76B14.37
0.38%25.49%19.81%
56
Neutral
₹184.91B57.05
0.75%2.65%-81.55%
56
Neutral
₹240.73B30.09
1.06%4.83%-64.41%
51
Neutral
₹214.30B110.34
0.75%3.79%-87.06%
46
Neutral
₹141.21B43.06
-4.18%109.86%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IN:CGCL
Capri Global Capital Limited
184.45
-29.50
-13.79%
IN:CREDITACC
CreditAccess Grameen Ltd.
1,341.00
135.65
11.25%
IN:FIVESTAR
Five-Star Business Finance Limited
532.40
-201.11
-27.42%
IN:IFCI
IFCI Limited
52.41
-16.05
-23.44%
IN:IIFL
IIFL Finance Limited
435.10
-32.30
-6.91%
IN:MANAPPURAM
Manappuram Finance Limited
284.40
82.98
41.20%

Capri Global Capital Limited Corporate Events

Capri Global Capital Limited Releases Q1 FY26 Earnings Presentation
Aug 3, 2025

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
Aug 2, 2025

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
Aug 2, 2025

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
Aug 2, 2025

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.

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.Date of analysis: Aug 06, 2025