Capri Global Q2 FY26 Profit Increases 143% to ₹236 Crore; AUM Crosses ₹27,000 Crore

Mumbai, October 30, 2025: Capri Global Capital Limited (NSE: CGCL, BSE: 531595) reported a sharp rise in earnings for the second quarter of FY26, with consolidated net profit jumping 143% year-on-year to ₹236 crore from ₹97 crore in the same quarter last year. The strong growth was driven by higher loan disbursements, margin expansion, and improved operational efficiency. Despite the strong earnings, Capri Global Capital’s share price fell 1.64% to ₹205.66 in Thursday’s early trade, as investors booked profits following a recent rally.

Capri Global Capital Limited is a diversified, retail-focused NBFC offering secured loans across MSME, gold, construction finance, and affordable housing segments. As of September 30, 2025, it manages AUM of over ₹27,000 crore, serving more than 5.9 lakh customers through 1,200+ branches and a workforce of over 12,000 employees across India.

Loan Growth and Income Momentum

The company’s total assets under management (AUM) were 40% higher year-on-year at ₹27,040 crore, crossing the ₹27,000 crore mark for the first time. Disbursements rose 64% YoY to ₹8,952 crore. Net interest income was higher by 57% at ₹480 crore, while non-interest income nearly doubled to ₹203 crore on the strength of co-lending and insurance fee income. Operating profit was ₹345 crore, up 137% YoY.

Segment-Wise Growth

Capri Global saw strong growth in all significant lending categories. Gold loans grew 58% to ₹10,406 crore, construction finance by 49% to ₹4,969 crore, and housing finance for affordable housing increased 37% to ₹5,972 crore. MSME lending grew 18% to ₹5,602 crore. The co-lending book also rose 61% YoY to ₹5,677 crore, representing 21% of total AUM.

Operational Efficiency and Asset Quality

The bank reported better cost management, with the cost-to-income ratio reducing to 49% from 64% in the previous year. Asset quality was also good, with Gross Stage 3 assets at 1.3% and Net Stage 3 at 0.7%. The capital adequacy ratio was 32.9%, well above the regulatory requirement.

Stock Movement

As of 11:03 am IST, shares of Capri Global Capital dropped by 1.64% to ₹205.66. The stock opened at ₹209.08 and moved within a range of ₹214.00 to ₹197.75 during early trade. Capri Global Capital currently commands a market capitalisation of ₹16,650 crore with a price-to-earnings (P/E) ratio of 29.32 and a dividend yield of 0.099%. Over the past year, the stock has traded between a 52-week high of ₹231.35 and a low of ₹150.51, while its quarterly dividend stands at ₹0.05 per share.

Funding and Outlook

Capri Global raised ₹400 crore via a public issue of NCDs in the quarter, which was oversubscribed across all investor categories. With a consolidated equity capital base of ₹6,673 crore and a healthy debt-to-equity ratio of 2.5x, the company is well placed to continue growing in H2 FY26.

Management Commentary

Rajesh Sharma, Managing Director, expressed satisfaction with the financial performance of the company and quoted:

“We continue to see significant growth momentum across all our product segments. Our diversified, secure lending model positions us well to deliver sustainable, profitable growth. With margin expansion, fee-based income, cost efficiency, and a strong capital base, we are on track to achieve ₹50,000 crore in AUM and RoAE of 16–18% by FY28.”

REF: https://nsearchives.nseindia.com/corporate/CGCL_30102025082207_Press_Release_Q2FY26.pdf

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