Capri Global Capital Ltd Q1 FY27 Results & Concall Highlights: Revenue, Margins & Order Book
Published 25 Aug 2026 | Finance | Market Cap: ₹21.6K Cr
AUM growth target revised upward to INR65,000 crores by FY28, implying 30%+ CAGR. Capri Global Capital has revised its AUM guidance upwards to INR 65,000 crores by FY28, targeting a 30%+ CAGR.
From Capri Global Capital Ltd's Q1 FY27 earnings-call transcript · updated 25 Aug 2026.
Price
₹240
Market Cap
₹21.6K Cr
P/E Ratio
19.1
Revenue Rank
Margin Rank
How does Capri Global Capital Ltd rank in Finance?
Compare Capri Global Capital Ltd against every Finance company this quarter on revenue, margins and earnings-call signals.
📊 Revenue & Sales Performance
Rank 1- →AUM growth target revised upward to INR65,000 crores by FY28, implying 30%+ CAGR.
- →Quarterly incremental AUM additions expected to be around INR3,000 to INR3,500 crores, with higher momentum in last two quarters.
- →Gold loan portfolio targeted to constitute about 55% of overall AUM in medium term, growing at a steady 25% annually assuming stable gold prices and branch expansion.
- →Branch expansion plan increased to 400 branches by December 2026, supporting geographic diversification and growth.
- →Car loan business growth to be measured with focus on profitability, with pilot launch of used car loans expected to improve margins over next couple years.
- →Further yield improvement anticipated, especially in gold loans, with potential lifting to around 8% blended spread when gold loans exceed 50% of portfolio.
- →Non-interest income streams like insurance and car loan distribution expected to contribute substantially to revenue growth.
📈 Profitability & Margins
Rank 3- →Capri Global Capital has revised its AUM guidance upwards to INR 65,000 crores by FY28, targeting a 30%+ CAGR.
- →The company expects a return on average equity (ROE) of 19%-21% and return on average assets (ROA) of 4.2%-4.7% by FY28.
- →Q1 FY27 saw the highest ever quarterly profit after tax of INR 353 crores, a 102% YoY increase.
- →Net interest income rose 79% YoY to INR 736 crores, driven by loan book growth and margin expansion.
- →Non-interest income grew 28% YoY to INR 217 crores, boosting recurring fee income.
- →Cost-to-income ratio expected to stabilize around 44%-45%, supporting profitability.
- →Branch expansion plans (400 new branches in FY27) will aid scale but operating leverage will keep costs efficient.
- →Margins and spreads are expected to stabilize around current levels (spread ~7.8%-8%).
🏗️ Capital Expenditure Plans
Yes- →Capri Global Capital is investing heavily in technology and digital transformation to enhance operational efficiency and customer experience.
- →AI integration is a key focus, including collaboration with OpenAI to deploy secured AI-powered tools for customer service, knowledge management, and operations across branches.
- →Plans to expand the branch network significantly, with an increased target to add 400 gold loan branches by December 2026, supporting geographic expansion primarily in Southern and Eastern India.
- →Investment in strengthening insurance distribution via the Capri Care digital platform, expanding product portfolio and distribution network.
- →Diversification of borrowing mix through capital market issuances such as non-convertible debentures, commercial paper, and plans to establish a USD 1 billion Global Medium-Term Note (GMTN) program for offshore borrowing.
- →Continuous investment in data science and AI capabilities to optimize collections and underwriting.
💰 Fundraising & Capital Structure
Yes- →During Q1 FY27, Capri Global raised INR 3,868 crores through bank borrowings and INR 1,271 crores from Non-Convertible Debentures (NCDs) and Commercial Paper (CP).
- →They added 5 new lender relationships, increasing active relationships to over 40.
- →The company is actively diversifying its borrowing mix, including public issuances of bonds, commercial paper, refinancing from institutions, and bank borrowings.
- →Plans to establish a Global Medium Term Note (GMTN) program to access offshore dollar bond markets are underway, dependent on market conditions.
- →Cost of funds is expected to remain stable for the remainder of FY27.
- →No mention of immediate equity fundraising in this quarter, focus is on diversified and long-tenure debt instruments for capital efficiency.
📋 Order Book & Pipeline
YesKey Metrics
Revenue
Margin
Capex
Fundraise
Order Book
Frequently Asked Questions
What were Capri Global Capital Ltd Q1 FY27 results?
AUM growth target revised upward to INR65,000 crores by FY28, implying 30%+ CAGR. Capri Global Capital has revised its AUM guidance upwards to INR 65,000 crores by FY28, targeting a 30%+ CAGR.
What is Capri Global Capital Ltd share price analysis?
Capri Global Capital Ltd currently shows a strong growth signal based on ranking data. The stock trades at a P/E of 19.1 with a market cap of ₹21,555 Cr. Investors should review the full earnings analysis for detailed insights.
Is Capri Global Capital Ltd planning capital expenditure?
Capri Global Capital is investing heavily in technology and digital transformation to enhance operational efficiency and customer experience.
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This analysis is AI-generated based on publicly available earnings data and concall transcripts. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.