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Capri Global Capital Ltd (CGCL)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 531595 NSE: CGCL Finance - Investment | Small Cap | Capri Global Capital Share Price

₹202.50 -0.50 (-0.25%)

As on 10-Jun'26 11:58

Capri Global Capital Ltd (CGCL)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 531595 NSE: CGCL Finance - Investment | Small Cap | Capri Global Capital Share Price

₹202.50 -0.50 (-0.25%)

As on 10-Jun'26 11:58

Key Metrics
Valuation Multiples
Market Cap
₹19,532 Cr.
Current Price
₹202.5
52-Week Low / High
₹151 / 214
TTM EPS
₹9.9
Book Value per Share
₹74.9
P/E Ratio
20.58
Lower than its 5-year historical median
Industry PE
52.8
Price to Book (P/B)
2.71
Lower than its 5-year historical median
EV/EBITDA
12.67
Lower than its 5-year historical median
Dividend Yield
0.12%
Profitability Efficiency
Return on Equity (ROE)
11.86%
Return on Capital Employed (ROCE)
11.18%
Return on Assets (ROA)
2.59%
Growth Momentum
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Slowing versus 3-year growth rate
33.78%
Book Value Growth (1 Year)
Slowing versus 3-year growth rate
12.1%
Asset Quality
Gross NPA(%)
1.56%
Net NPA(%)
0.91%
TTM Sales
₹4,685 Cr.
Reserves
₹7,107 Cr.
Equity
₹96.2 Cr.
Face Value
₹1
All Time Low / High
₹0.08 / 289.40

Capri Global Capital stock performance

Key Ratios
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Quality

Not Good
Check detailed performance

Valuation

Fair

Check Valuation charts

Price Trend

Strong
Check Price chart
Q.1 Is Capri Global Capital Ltd a good quality company?
Capri Global Capital Ltd is a weak quality company, based on a inconsistent multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

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We have analysed the performance of the company on the following:

  • How has it performed on generating Profits?

    By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.

  • How efficiently has it grown and managed operations?

    By checking its Total Asset growth.

  • How strong is its Capital position and Asset Quality?

    By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

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How does Capri Global Capital Ltd performance compare with that of its Peers?
Q.1 AUM Growth of Capri Global Capital Ltd vs Industry Peers?
Capri Global Capital Ltd AUM CAGR is 37.05%, compared to the 5-year industry median CAGR of 9.27%, indicating faster growth and gaining its market share.
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Q.1 Promoter shareholding and pledge status of Capri Global Capital Ltd?
Promoters hold 59.92% of the Capri Global Capital Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Q.1 Stock return of Capri Global Capital Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 40.4% based on the current price.
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10 Year X-Ray :

Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Capri Global Capital Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Operating Income (₹ Cr.)2132163505897167369801,4642,3133,2484,685
YoY Gr. Rt. %-1.5%62.3%68.2%21.7%2.8%33.2%49.4%58%40.4%-
Adj EPS (₹ ) 0.60.80.91.82.22.42.82.53.45.89.9
YoY Gr. Rt. %-32.2%12.8%108%19.1%9.6%15.5%-10.1%36.7%71.1%-
BVPS (₹ )14.915.716.918.620.723.125.742.946.151.774.9
YoY Gr. Rt. %-5.3%7.7%10.4%11.1%11.4%11.6%66.8%7.5%12.1%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)33.42.63.83.73.432.122.60

CAGR ⓘ

9 Years 5 Years 3 Years 1 Years
Net Interest Income35.4%35.3%49.1%40.4%
Adj EPS28.9%21.6%28.1%71.1%
BVPS14.8%20.1%26.2%12.1%
Share Price 41.1% 10.2% 2.7% 13.3%

Key Financial Ratios

RATIOS \ YEARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Margins
Net Profit Margin (%)20.526.918.523.122.52420.91412.114.720.3
Performance Ratios To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)45.15.410.311.110.911.37.57.611.913.2

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Income + 2152353735917207379821,4682,3203,251
Interest Income2132163505897167369801,4642,3133,248
Other Income ⓘ 72164321496811590150180
Exceptional Items ⓘ 219233311473
Expenditure ⓘ + 1591402654054985017091,2001,9542,618
Interest Expense ⓘ 1238972072832903325358371,274
Operating Expenses ⓘ 76851261771651442625759671,164
Provisions 72164321496811590150180
Exceptional Items ⓘ 0000000000
Profit Before Tax ⓘ 5696108187222236273268366633
Taxes ⓘ 123743516159686486155
Profit After Tax 445865136161177205205279479
Adjusted EPS (₹)0.60.80.91.82.22.42.82.53.45.8
Dividend Payout Ratio (%)12%9%8.10%4.70%2.20%4%4.30%5%4.40%3.50%

Valuation of Capri Global Capital - Consolidated

YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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Analyst's Notes

data not found
No data found!

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Equity and Liabilities

Equity Capital +1,1031,1611,2521,3831,5391,7171,9223,5653,8374,304
Share Capital ⓘ 35353535353535418283
Reserves ⓘ 1,0681,1261,2171,3481,5041,6821,8873,5243,7544,222
Short term borrowings127914910845570642,8444,210
Long Term Borrowings1025161,4002,6412,7813,9385,0467,7987,91911,490
Current Liabilities 2253073002301064355358073,8475,605
Trade Payables191415141541111130102
Other Liabilities-13-88-163-123-58-19-111-176-2,975-4,312
Total Liabilities ⓘ 1,4301,9842,9524,2544,4266,0907,50312,17015,60321,400

Assets

Non Current Asset +1,0751,6392,8514,0723,9904,9336,67510,29113,95618,705
Loan Asset 8941,5622,7964,0213,9284,6866,2719,48113,42118,252
Other Non Current Asset ⓘ 18178545161247405810535454
Current Asset +3543441011824371,1578281,8801,6462,694
Current Investment8342430358804373216166139
Other Current Asset27230358182793544551,6641,4802,555
Total Assets ⓘ 1,4301,9842,9524,2544,4266,0907,50312,17015,60321,400

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Cash Flow From Operating Activity ⓘ -73-511-857-1,115210-319-1,340-3,007-3,699-4,312
Cash Flow From Investing Activity ⓘ 2464041-352-46531765-760
Cash Flow From Financing Activity ⓘ 694608351,196548921,1764,0962,8695,118
Net Cash Flow ⓘ -1-618122-881081521,154-837867

Financial Ratio

PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Operational & Financial Ratios
EPS (₹)12.503.303.707.809.2010.1011.709.903.405.80
DPS (₹)1.500.300.300.400.200.400.500.500.200.20
BVPS (₹)314.866.371.478.887.697.5108.9171.746.151.7

Performance Ratios

ROA (%)3.03.42.63.83.73.43.02.12.02.6
ROE (%)4.05.15.410.311.110.911.37.57.611.9
ROCE (%)5.78.58.711.311.910.79.99.09.511.2

Valuation Parameters

Price/Book(x)0.40.81.32.22.03.95.73.84.43.3

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

Capri Global Capital Ltd FAQs

The current trading price of Capri Global Capital on 10-Jun-2026 11:58 is ₹202.5.

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 09-Jun-2026 the market cap of Capri Global Capital stood at ₹19,531.7 Cr

The latest P/E ratio of Capri Global Capital as of 09-Jun-2026 is 23.68.

The latest P/B ratio of Capri Global Capital as of 09-Jun-2026 is 2.90.

The 52-week high of Capri Global Capital is ₹213.8 and the 52-week low is ₹151.2.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Capri Global Capital is ₹3,645 ( Cr.) .

Past 10 year’s financial track record analysis by Moneyworks4me indicates that Capri Global Capital Ltd is a below average quality company.

The key valuation ratios of Capri Global Capital Ltd's currently when compared to its past seem to suggest it is in the Fair zone.

The Price Trend analysis by MoneyWorks4Me indicates it is Strong which suggest that the price of Capri Global Capital Ltd is likely to Rise in the short term. However, please check the rating on Quality and Valuation before investing

About Capri Global Capital Ltd

Capri Global Capital (Capri Loans) is a listed Non-Banking Financial Company (NBFC) and focused on bridging the credit gap for underserved communities across Northern and Western India through tailored financial products such as MSME Loans, Gold Loans, Construction Finance, and Affordable Housing Loans via its subsidiary, Capri Global Housing Finance (CGHFL). Expanding its reach, the company offers Car Loans in collaboration with leading banks and distribute Life, General, and Health Insurance under a corporate agency license. Backed by a strong branch network, Capri Loans serves as a last-mile credit provider, driving financial inclusion and empowering individuals and businesses to grow. 

The company was originally incorporated as “Daiwa Securities” in November 1994. The company’s name was changed to Dover Securities on May 19, 1999. In April 2007, Rajesh Sharma and Money Matters (India) Private Limited (promoter group company) took over Dover Securities. Subsequently, the name of the company was changed to Money Matters Financial Services in October 2008. The company’s name has been changed from ‘Money Matters Financial Services Limited’ to ‘Capri Global Capital Limited’, with effect from July 24, 2013.

Business area of the company

Capri Global Capital is engaged in the business of providing loans to Micro, Small and Medium Enterprises (MSMEs), Micro Lap, Gold Loans, Construction Finance. The company also has fee-based businesses such as distribution of car loan products and has a composite license for distribution of Life, General and Health insurance policies.

Products

  • Gold Loan
  • MSME Loan
  • Home Loan
  • Micro LAP
  • Construction Finance
  • Small Business Loan
  • Car Loan Distribution
  • Insurance Distribution

Awards and recognition

2019-20

  • The Economic Times- Best BFSI Brand 2019.
  • India's Most Admired Financial Service Company by White Page India - 2019.
  • Company of the Year - Zee Business Dare to dream award.

2020-21

  • Best BFSI Brand 2021 by The Economic Times.
  • The Economics Times Most Promising Business Leader of Asia 2020-21.

2021-22

  • The company received an award “Great Place To Work” by Great Place to Work Institute.
  • The company was recognised as fastest growing lending finance company of the year by Quantic.

2022-23

  • The Company was recognized as a “Great Place To Work” by the Great Place to Work Institute.

2023-24

  • The Company was recognized as a “Great Place To Work” by the Great Place to Work Institute.

2024-25

  • Capri Loans was honoured with the “Best Brands - 2024” award at the ET Now Best Brands Conclave.
  • Capri Global Capital received the Great Place to Work Certification, reflecting its dedication to fostering a high-trust, inclusive, and growth-oriented workplace.
  • In debut submission, Capri Global Capital achieved a score of 48 in the S&P Global Corporate Sustainability Assessment (CSA) for FY 2023-24.
  • The Bharat CSR & Sustainability Awards.

Milestones

  • 2011: Raised Rs 4.5 billion equity capital and started Construction Finance Business.
  • 2013: Ventured into fully secured MSME Lending.
  • 2016: Expanded operations to five states and crossed the Rs 10 billion AUM mark.
  • 2017: Forayed into Housing Finance business vertical.
  • 2021: Launched car loan distribution, co-lending with SBI & Union Bank, expanded to 110 branches, and grew workforce.
  • 2021: Crossed the Rs 50 billion AUM mark.
  • 2022: Announced foray into Gold Loans in Feb'22, with business launch in Aug'22.
  • 2023: Raised Rs 14.4 billion, secured co-lending tie-ups, and got IRDA license for insurance.
  • 2023: Expanded reach to 736 branches across 15 states and Union Territories.
  • 2023: Crossed the Rs 100 billion AUM mark.
  • 2024: Infused Rs 2.0 billion Equity in Capri Global Housing Finance (CGHFL).
  • 2024: The car loan distribution subsidiary commenced operations.
  • 2024: Obtained a composite license from the IRDAI, to distribute life, non-life and health insurance policies.
  • 2024: Enhanced technological capabilities by deploying advanced analytics and AI to optimise various aspects of operations and customer service.
  • 2025: Successfully concluded its Qualified Institutional Placement (QIP), raising Rs 2,000 crore in equity capital.

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