Capri Global Capital Ltd
Capri Global Capital Q3 FY25 earnings call: Revenue & Margins
Q3 FY25 earnings call: what management guided on revenue, margins and order book.
The short version
Capri Global expects significant market potential across MSME, micro LAP, housing, gold loan, and construction finance segments. Capri Global Capital expects continued robust growth, targeting INR30,000 crores AUM by FY '27.
From Capri Global Capital Ltd's Q3 FY25 earnings-call transcript · updated 23 Aug 2026.
Revenue & Sales Performance
- Capri Global expects significant market potential across MSME, micro LAP, housing, gold loan, and construction finance segments.
- They target reaching INR 30,000 crores AUM by FY '27, up from about INR 20,663 crores in Q3 FY25.
- Gold loan portfolio has shown strong growth, up 196% YoY, and is expected to continue scaling with current 776 branches.
- Housing loans grew 31% YoY, with plans to expand reach in underserved markets.
- Micro LAP segment is newly launched with 70 branches, expected to grow robustly over the next 4-5 years.
- Construction finance AUM grew 65% YoY, focused on affordable housing projects with granular exposures.
- Marketing budget of INR 15 crores planned for FY25 to support growth.
- Investments in AI, data science, and digital tools aimed at improving turnaround times, customer experience, and operational efficiency.
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Profitability & Margins
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Capital Expenditure Plans
- Capri Global Capital is investing significantly in technology and data science capabilities to enhance operational efficiency and customer service.
- They have set up a tech center in Gurgaon with 125+ engineers and 25 data scientists across multiple cities (Bangalore, Pune, Mumbai, Delhi).
- Investments include digital apps like Pragati Sales app, CollectXpress app, and Capri Grahak app to improve loan processing, collections, and customer engagement.
- No explicit mention of large-scale capex on physical assets; focus is on digital and tech enhancements.
- Plans to open 100-200 new branches next year to expand business, which involves some capital expenditure on branch setups.
- Continue investing in AI/ML for better underwriting, asset quality, and faster loan turnaround.
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Top-ranked in Finance
Ranked on what management guided this quarter
Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.
Fundraising & Capital Structure
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Order Book & Pipeline
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What Capri Global Capital Ltd's management said in earlier quarters
- Q1 FY27 earnings call analysis →
- Q4 FY26 earnings call analysis →
- Q2 FY26 earnings call analysis →
- Q3 FY26 earnings call analysis →
- Q1 FY26 earnings call →
- Q4 FY25 earnings call →
- Q2 FY25 earnings call →
- Q1 FY25 earnings call →
- Q4 FY24 earnings call →
- Q3 FY24 earnings call →
- Q2 FY24 earnings call →
- Q1 FY24 earnings call →
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Frequently Asked Questions
What were Capri Global Capital Ltd Q3 FY25 results?
Capri Global expects significant market potential across MSME, micro LAP, housing, gold loan, and construction finance segments. Capri Global Capital expects continued robust growth, targeting INR30,000 crores AUM by FY '27.
What is Capri Global Capital Ltd share price analysis?
Capri Global Capital Ltd currently shows a neutral. The stock trades at a P/E of 20.3 with a market cap of ₹22,928 Cr. Investors should review the full earnings analysis for detailed insights.
Is Capri Global Capital Ltd planning capital expenditure?
Capri Global Capital is investing significantly in technology and data science capabilities to enhance operational efficiency and customer service.
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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.