Capri Global Capital Ltd

Q3 FY26Finance

Capri Global Capital Q3 FY26 earnings call: Revenue & Margins

Q3 FY26 earnings call: what management guided on revenue, margins and order book.

Price₹224

Market cap₹22.9K Cr

P/E20.3

Updated23 Aug 2026

Read4 min read

The short version

AUM growth is strong and diversified across key lending segments, with a target to reach INR55,000 crores by FY '28 (up from the earlier target of INR50,000 crores). Future Growth Expectations for Capri Global Capital Limited (Q3 FY26): - AUM target revised upward to INR 55,000 crores by FY '28 (previously INR 50,000 crores).

From Capri Global Capital Ltd's Q3 FY26 earnings-call transcript · updated 23 Aug 2026.

Revenue & Sales Performance

AUM growth is strong and diversified across key lending segments, with a target to reach INR55,000 crores by FY '28 (up from the earlier target of INR50,000 crores).
Q4 FY '26 AUM expected to be between INR33,000 to INR34,000 crores; FY '27 guidance revised to INR43,000 to INR44,000 crores.
Gold Loan business continuing expansion; 999 branches by current quarter end with plans for more branches in second half of FY '27 subject to RBI approval.
Micro LAP to grow from current INR650 crores AUM to INR3,000 crores in 3 years.
MSME segment growing at 19% YoY; branch addition planned between 100 to 125 for MSME, Micro LAP, and Housing loans in FY '27.

2 more points management made on revenue & sales performance

Profitability & Margins

Future Growth Expectations for Capri Global Capital Limited (Q3 FY26): - AUM target revised upward to INR 55,000 crores by FY '28 (previously INR 50,000 crores). - Strong AUM growth momentum continues with a guidance of INR 43,000-44,000 crores for FY '27. - Profitability improved with highest-ever quarterly profit of INR 255 crores in Q3 FY26 (up 99% YoY). - Return on Average Equity (ROE) target of 16%-18% by FY '28. - Return on Average Assets (ROA) guidance of approximately 4% to 4.25% by FY '28. - Focus on operational efficiency through technology and AI expected to sustain profit growth. - Cost of funds expected to reduce further by 24-25 basis points over next 3-6 months, aiding margin expansion.

2 more points management made on profitability & margins

See what Capri Global Capital Ltd said on profitability & margins — free account, 30 seconds.

Capital Expenditure Plans

Capri Global Capital is continuing to invest in technology and distribution to support scalable and efficient growth.
The company highlighted significant past technology investments that have delivered tangible outcomes, such as AI-driven lending platforms, data science tools, and mobility apps improving underwriting, collections, and operational efficiency.
Plans include expanding branch networks, especially in Gold Loan (targeting further phase expansion post regulatory approvals in FY '27 and '28) and Micro LAP/MSME sectors (adding 100-125 branches in FY '27).

2 more points management made on capital expenditure plans

Top-ranked in Finance

Ranked on what management guided this quarter

5x potential

1Mufin Green Finance Ltd₹2.6K Cr

Rev 1Mar 1

2Akiko₹454 Cr

Rev 1Mar 1

3₹972 Cr

Rev 1Mar 2

4₹358 Cr

Rev 1Mar 2

5₹1.5L Cr

Rev 1Mar 3

Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.

Fundraising & Capital Structure

The company currently has adequate capital with a capital adequacy ratio around 30%, sufficient to support growth till FY '28 with a target AUM of INR 55,000 crores.
The current leverage is about 2.8x, indicating comfort in achieving growth with the existing capital base.
There was no explicit mention of new equity fundraising in the transcript.

On debt, the company is focusing on reducing cost of funds by 24-25 basis points over the next 3-6 months through diversification of borrowings (short-term loans like commercial papers and short-term NCDs) and expects potential rating upgrades to further lower borrowing costs in 6-9 months.
Plans for branch expansion (especially Gold Loan branches in H2 FY '27) and growth in portfolios like Micro LAP indicate ongoing capital deployment but not definitive new fundraising plans announced.

2 more points management made on fundraising & capital structure

See what Capri Global Capital Ltd said on fundraising & capital structure — free account, 30 seconds.

Order Book & Pipeline

The transcript provided for Capri Global Capital Limited does not explicitly mention details about the current or expected order book or pending orders. The discussion mainly focuses on: - Loan book/AUM growth targets (e.g., targeting INR55,000 crores AUM by FY '28). - Branch expansion plans across Gold Loan, MSME, Micro LAP, and Housing Finance verticals. - Growth momentum and capital adequacy.

2 more points management made on order book & pipeline

What Capri Global's management said in earlier quarters

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Frequently Asked Questions

What were Capri Global Capital Ltd Q3 FY26 results?

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 continuing to invest in technology and distribution to support scalable and efficient growth.

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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.