Capri Global Q1 FY26 Earnings Results: PAT Soars 131% YoY; AUM Crosses ₹24,750 Crore

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.

Capri Global Q1 FY26 Earnings: Strong Growth Across Lending Segments

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.

Operating Profits and Margins Expand

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: A Strategic Growth Lever

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.

Asset Quality and Capital Adequacy Remain Strong

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.

Expanding Footprint and Digital Capabilities

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.

Management’s Vision

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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Capri Global Capital Share Price Movement

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.

Conclusion

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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