Capri Global Capital Ltd (CGCL) has posted a stellar performance for the quarter ending June 30, 2025 (Q1 FY26), with significant growth across all key financial metrics. The company's profit after tax (PAT) jumped by 131% year-on-year (YoY) to ₹175 crore, while its assets under management (AUM) surged 42% YoY to ₹24,754 crore.
The growth in AUM was driven by a sharp increase in gold loans (up 69% YoY), construction finance (up 61%), and affordable housing loans (up 32%). MSME loans also rose by 14%. Disbursements reached ₹8,458 crore, up 51% YoY, reflecting a strong and well-diversified lending book. The company’s customer base now exceeds 5.5 lakh.
Capri Global's operating profit more than doubled to ₹312 crore (up 115% YoY), supported by higher income and better cost control. Net total income rose 42% YoY to ₹582 crore, while operating expenses grew only 2%. Cost-to-income ratio improved sharply to 46.5% from 64.6% a year ago. Return metrics also improved, with RoAA at 3.2% and RoAE at 13%.
Non-interest income, mainly from co-lending and insurance distribution, increased by 53% YoY to ₹166 crore. Fee-based businesses, including car loan distribution (₹2,651 crore originations) and insurance partnerships, continue to play a growing role in the company’s revenue.
The company maintained healthy asset quality with Gross Stage 3 assets at 1.7% and a provision coverage ratio (PCR) of 41%. Credit cost stood at 1.6% of the gross loan book. Capri also raised ₹2,000 crore through a QIP during the quarter, taking its capital adequacy ratio to a strong 34.5% and total equity to ₹6,438 crore.
With 1,138 branches and over 11,500 employees, Capri Global is expanding its reach across Northern and Western India. The company is investing in digital infrastructure and AI-based risk management to enhance underwriting and customer targeting.
Founder & MD Rajesh Sharma expressed confidence in achieving ₹50,000 crore AUM, 16–18% RoAE, and 4–4.5% RoAA by FY28. He highlighted the firm’s tech-driven approach, diversified secured loan offerings, and strong partnerships as key drivers of sustainable growth.
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As of August 1, 2025, Capri Global Capital share price (NSE: CGCL) closed at ₹175.06, down 6.03% or ₹11.23 for the day. The stock opened at ₹186.50 and touched an intraday high of ₹190.35 and a low of ₹174.90. Capri Global currently has a market capitalisation of ₹14,450 crore and a price-to-earnings (P/E) ratio of 30.34. The stock does not offer a dividend yield at present. It has recorded a 52-week high of ₹231.35 and a 52-week low of ₹150.51.
Capri Global’s Q1 FY26 results reflect a strong and well-executed growth strategy across multiple lending verticals. With robust capital backing, digital integration, and consistent asset quality, the company is well-positioned for continued expansion and value creation. Investors can watch Capri as it scales toward its ambitious FY28 targets.
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Published on: Aug 4, 2025, 8:57 AM IST
Kusum Kumari
Kusum Kumari is a Content Writer with 4 years of experience in simplifying financial market concepts. Currently crafting insightful content at Angel One, She specialise in breaking down complex topics into easy-to-understand pieces, blending expertise in market fundamentals and technical analysis.
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