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Capri Global Capital Limited
(CGCL)
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Rating:65Neutral
Price Target:
₹302.00
â–²(23.34% 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
Strong Revenue Growth
Revenue growth of 31.9% to 47.4B in FY2026, alongside a multi-year upward trajectory, indicates expanding lending activity and customer demand. If maintained, this scale can support operating leverage, broaden the earnings base, and strengthen CGCL’s ability to reinvest in its secured-lending franchise.
Negative Factors
Elevated Leverage
Debt-to-equity was about 3.35x in FY2026, with debt at 241.1B versus equity of 72.0B and leverage above 2x throughout the period. This funding structure can amplify returns in strong periods but leaves CGCL more exposed to rising funding costs or weaker asset quality.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Revenue Growth
Revenue growth of 31.9% to 47.4B in FY2026, alongside a multi-year upward trajectory, indicates expanding lending activity and customer demand. If maintained, this scale can support operating leverage, broaden the earnings base, and strengthen CGCL’s ability to reinvest in its secured-lending franchise.
Read all positive factors
Capri Global Capital Limited (CGCL) vs. iShares MSCI India ETF (INDA)
Market Cap
₹269.88B
Dividend Yield0.07%
Average Volume (3M)575.93K
Price to Earnings (P/E)24.1
Beta (1Y)0.81
Revenue Growth50.33%
EPS Growth69.09%
CountryIN
Employees9,786
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)11.71
Shares Outstanding962,154,000
10 Day Avg. Volume1,152,653
30 Day Avg. Volume575,931
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)14.43
Revenue Forecast (FY)₹46.10B
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 | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 53.18B | 47.42B | 29.04B | 20.82B | 13.26B | 8.86B |
| Gross Profit | 30.00B | 26.39B | 8.57B | 6.02B | 4.25B | 3.82B |
| EBITDA | 16.65B | 13.67B | 7.68B | 4.88B | 3.28B | 2.86B |
| Net Income | 11.28B | 9.49B | 4.79B | 2.79B | 2.05B | 2.05B |
Balance Sheet | ||||||
| Total Assets | 0.00 | 326.76B | 208.31B | 151.50B | 117.95B | 71.53B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 21.23B | 15.31B | 8.66B | 15.10B | 5.72B |
| Total Debt | 0.00 | 241.12B | 155.77B | 104.07B | 75.11B | 48.57B |
| Total Liabilities | -72.03B | 254.73B | 165.27B | 113.13B | 82.29B | 52.30B |
| Stockholders Equity | 72.03B | 72.03B | 43.04B | 38.37B | 35.65B | 19.22B |
Cash Flow | ||||||
| Free Cash Flow | -22.73B | 12.25B | -43.77B | -37.68B | -31.25B | -13.53B |
| Operating Cash Flow | -22.53B | 12.85B | -43.12B | -37.00B | -29.94B | -13.41B |
| Investing Cash Flow | -39.12M | -111.01B | 600.48M | -70.51M | 520.93M | 4.67B |
| Financing Cash Flow | 25.68B | 103.91B | 51.18B | 28.70B | 40.96B | 11.76B |
Capri Global Capital Limited Technical Analysis
Positive
244.85
Price Trends
240.11
Positive
218.11
Positive
197.53
Positive
Market Momentum
9.24
Negative
71.27
Negative
90.27
Negative
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 244.85 is above the 20-day moving average (MA) of 241.31, above the 50-day MA of 240.11, and above the 200-day MA of 197.53, indicating a bullish trend. The MACD of 9.24 indicates Negative momentum. The RSI at 71.27 is Negative, neither overbought nor oversold. The STOCH value of 90.27 is Negative, 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 |
|---|---|---|---|---|---|---|---|
75 Outperform | ₹286.44B | 10.73 | ― | 0.09% | 17.75% | 21.10% | |
65 Neutral | ₹269.88B | 24.07 | ― | 0.07% | 50.33% | 69.09% | |
65 Neutral | ₹277.14B | 13.19 | ― | 0.61% | 37.25% | 548.30% | |
61 Neutral | ₹412.15B | 49.22 | ― | 0.84% | 73.47% | ― | |
59 Neutral | ₹53.70B | 13.58 | ― | 0.68% | 23.25% | 21.56% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
47 Neutral | ₹41.83B | -10.61 | ― | 1.08% | -1.90% | -151.41% |
* General Sector Average
IN:CGCL
Capri Global Capital Limited
280.50
95.88
51.94%
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Capri Global Capital Limited Corporate Events
Capri Global Clears Terms for $300 Million Senior Secured Notes Under GMTN Programme
Sep 1, 2026
Capri Global Capital Limited has approved the pricing, tenure and key terms of U.S.$300 million 7.55% senior secured notes due 2029, to be issued under its U.S.$1 billion global medium term note programme. The decision, taken by the management com...
Capri Global Clears Terms for $300 Million Senior Secured Notes Under $1 Billion GMTN
Sep 1, 2026
Capri Global Capital Limited’s management committee has approved the pricing, tenure and other key terms for a U.S.$300 million 7.55% Senior Secured Notes issue due 2029 under its U.S.$1 billion global medium term note programme. The committ...
CareEdge assigns BB-/Positive rating to Capri Global’s US$300 million notes
Sep 1, 2026
Capri Global Capital Limited has secured a credit rating of CareEdge BB-/Positive from CareEdge Global IFSC Limited for its proposed US$300 million senior secured notes, which will be issued under the company’s US$1 billion Global Medium Ter...
Capri Global Publishes Investor Presentation for September 2026 Roadshow
Sep 1, 2026
Capri Global Capital Limited has informed the stock exchanges that it has prepared a roadshow and investor presentation for a scheduled investor meeting on September 1, 2026. The presentation has been uploaded to the company’s website and a ...
Capri Global Confirms Dispatch of AGM Notice and Launches Remote E-Voting
Aug 30, 2026
Capri Global Capital Limited has confirmed that it has dispatched the notice for its 32nd Annual General Meeting, scheduled to be held on Tuesday, September 22, 2026, via video conferencing or other audio-visual means. The company has also informe...
Capri Global Schedules Analyst Meet to Discuss Q1 FY27 Business Update
Aug 10, 2026
Capri Global Capital Limited has notified the stock exchanges that its representatives will participate in an in-person group meeting with buy-side analysts and investors in Mumbai on August 13, 2026, organized by Emkay Global Financial Services. ...
Capri Global Schedules Virtual Investor Meet on August 3, 2026
Jul 29, 2026
Capri Global Capital Limited has notified stock exchanges that its representatives will participate in a group meeting with analysts and institutional investors on August 3, 2026, at 12:00 p.m. IST. The Global Investor Call, organized by Capri Glo...
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...
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.