Capri Global Capital Ltd Q3 FY25 Results & Concall Highlights: Revenue, Margins & Order Book
Published 3 Aug 2026 | Finance | Market Cap: ₹22.9K Cr
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.
Price
₹224
Market Cap
₹22.9K Cr
P/E Ratio
20.3
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📊 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.
- →Expansion of branches by 100-200 per year planned to drive business growth.
- →Confident of delivering mid-teen ROE by FY '27.
📈 Profitability & Margins
- →Capri Global Capital expects continued robust growth, targeting INR30,000 crores AUM by FY '27.
- →Consolidated net profit for Q3 FY25 rose 88% YoY to INR128 crores; 9-month profit at INR301 crores, up 53% YoY.
- →Annualized ROE improved to 12.6% in Q3, with expectations of mid-teen ROE by FY '27.
- →Operating profit rose 46% YoY in Q3 to INR189 crores and 39% YoY for 9 months at INR480 crores.
- →Cost-income ratio improving (58.3% in Q3 vs 64.3% in Q2), expected to decline further, boosting margins.
- →Focus on technology and automation expected to increase productivity and reduce costs.
- →Diversification into fee income via insurance distribution and car loan originations will support earnings growth.
- →Asset quality remains strong, with net NPA expected below 1%, supporting sustainable profitability.
🏗️ 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.
- →Rooftop Solar financing is a new strategic product line with plans to grow a ₹1,000 crore book over four years, supported by government subsidies.
- →Overall, the strategic investment is tech-led with selective branch expansion in MSME and other segments.
💰 Fundraising & Capital Structure
- →The transcript does not explicitly mention any immediate plans for new fundraising through debt or equity.
- →However, it highlights strong liquidity with over INR2,000 crores in cash and undrawn credit lines.
- →During Q3 FY25, new credit lines of INR1,025 crores were sanctioned for Capri Global Capital Limited (CGCL) and Capri Global Housing Finance Limited (CGHFL).
- →The company continues to deepen lender relationships and is comfortable securing additional credit lines at better pricing.
- →Co-lending AUM stands at about 18% of total AUM, with partnerships across nine banks, and this is expected to be maintained or slightly increased, aiding capital conservation and high ROE.
- →No specific equity fundraising is mentioned in the call.
- →Overall, the company is managing its liabilities prudently and growing via secured borrowings, aiming to reach INR30,000 crores AUM by FY27.
📋 Order Book & Pipeline
Key Metrics
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 concall transcripts. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.