Capri Global

Q4 FY26Finance

Capri Global Q4 FY26 earnings call: Revenue & Margins

Q4 FY26 earnings call: what management guided on revenue, margins and order book.

Price₹224

Market cap₹21.6K Cr

P/E19.1

Updated23 Aug 2026

Read4 min read

The short version

AUM growth target: INR46,000 crores by FY '27 and INR57,000 crores by FY '28, revised upwards by INR2,000 crores. Capri Global targets an AUM of INR 55,000 crores by FY '28, up from current INR 36,623 crores (Q4 FY26).

From Capri Global's Q4 FY26 earnings-call transcript · updated 23 Aug 2026.

Revenue & Sales Performance

AUM growth target: INR46,000 crores by FY '27 and INR57,000 crores by FY '28, revised upwards by INR2,000 crores.
Gold loan AUM expected to grow 25% to 30%, potentially reaching 50% of total AUM, driven by branch expansion (~700-800 branches in 2 years).
MSME segment growth projected at 20% to 25%.
Construction finance and housing finance segments expected to grow 25% to 30%.
Car loan origination growth forecasted at 12% to 15% year-on-year, with focus on margin improvement.
Insurance income expected to grow in line with AUM growth (~25% to 30%).
Fee income from car loan segment projected to grow 12% to 15%; co-lending income expected to remain stable.
PAT guidance for FY '27 is approximately INR1,300 crores.

2 more points management made on revenue & sales performance

Profitability & Margins

Capri Global targets an AUM of INR 55,000 crores by FY '28, up from current INR 36,623 crores (Q4 FY26).
Return on Average Equity (ROE) expected at 16% to 18% and Return on Average Assets (ROA) around 4% to 4.5% by FY '28.
Insurance income projected to grow 25% to 30% in FY '27, in line with AUM growth.
Car loan income expected growth is about 12% to 15% in FY '27.
Co-lending income anticipated to remain flat with compensations by Direct Assignment (DA).
Cost-to-income ratio is improving due to operating scale and technology, leading to margin enhancement.
Car loan entity aims profit target of INR 20 crores this year, with plans to scale significantly over next 4-5 years.

2 more points management made on profitability & margins

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

Capital Expenditure Plans

Capri Global Capital is actively expanding its branch network, aiming to add approximately 700 to 800 branches over the next two years, with about 350 gold loan branches planned for the current financial year.
The company is investing in technology, particularly in AI and platform development, positioning itself as an AI-first financial institution with proprietary small language models for financial services use cases.
They have been focusing on building a scalable technology and AI-driven lending ecosystem that enhances operational efficiency and customer engagement.
Strategic investment plans include international bond issuance to diversify borrowing sources, though timing depends on macroeconomic conditions and hedging costs.

2 more points management made on capital expenditure plans

Top-ranked in Finance

Ranked on what management guided this quarter

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

Fundraising & Capital Structure

Capri Global Capital plans international bond issuance to diversify borrowing sources; expected to be an annual avenue once macro conditions like West Asia crisis stabilize in 2-4 months.
Cost-conscious approach on bond issuance with international ratings completed, but market access pending due to high hedging costs.
Potential for Tier 2 capital raise within 18-24 months timeframe to strengthen capital base alongside increased direct assignment/co-lending.

2 more points management made on fundraising & capital structure

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

Order Book & Pipeline

The transcript does not explicitly mention the current or expected order book or pending orders for Capri Global Capital Limited. The discussion primarily focuses on: - AUM growth projections and branch expansions. - Growth in various loan segments: gold loans, MSME, housing finance, construction finance, and car loans. - Strategic plans for international bond issuance, fee-based income growth, 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 Q4 FY26 results?

What is Capri Global share price analysis?

Capri Global currently shows a neutral. 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 planning capital expenditure?

Capri Global Capital is actively expanding its branch network, aiming to add approximately 700 to 800 branches over the next two years, with about 350 gold loan branches planned for the current financial year.

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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.