Capri Global Capital
Stock Snapshot
Price Performance
Vista Outlook
Basis of our Recommendation
Capri Global Capital's management has articulated a confident outlook, emphasizing a strategic transition towards a scalable gold lending franchise, which is expected to drive revenue growth through aggressive branch expansion and operational efficiencies. The company's focus on leveraging technology and co-lending partnerships positions it well to enhance its market share in the competitive South Indian market. Vista's financial outlook reflects a projected revenue growth trajectory of 30%+, supported by improving margins and a robust balance sheet. However, potential regulatory changes and increased competition from fintechs present headwinds that could impact profitability. The NBFC lending industry is experiencing a sunrise phase, with government initiatives enhancing credit flow, particularly to MSMEs, which aligns with Capri's strategic focus. Over the next 12-24 months, key opportunities include the successful execution of branch expansion and the maturation of new lending models, while watchpoints include the durability of growth in a competitive landscape and the impact of economic fluctuations on borrower repayment capabilities
Why We Like This Stock
- Management's strategic focus on expanding the gold lending franchise is expected to drive significant revenue growth
- The company's transition to an AI-driven operational model enhances efficiency and profitability
- Government initiatives supporting MSME lending create a favorable environment for Capri's growth strategy
Things To Watch Out For
- Increased competition from fintechs may pressure margins and market share
- Regulatory changes could impose constraints on lending practices, impacting growth
- Economic fluctuations may affect borrower repayment capabilities, posing risks to asset quality
Key Parameters
Financial Snapshot
View Technicals Analysis →| Actuals | Forecast | ||||
|---|---|---|---|---|---|
| FY24 | FY25 | FY26 | FY27 | FY28 | |
| Revenue (Cr.) | 1,476 | 1,974 | 3,004 | 3,507 | 4,450 |
| Profit Before Tax (Cr.) | 366 | 633 | 1,257 | 1,578 | 2,067 |
| PBT Margin | 24.8% | 32.1% | 41.8% | 45.0% | 46.5% |
| Net Profit (Cr.) | 255 | 464 | 948 | 1,183 | 1,549 |
| Earnings Per Share | 2.6 | 4.8 | 9.9 | 12.3 | 16.1 |
Analyst Recommendations
| Broker | Recommendation | Target Price | Date |
|---|---|---|---|
| Deven Choksey | ▲ Buy | 316 | 26-Aug-2026 |
| Choice Equity | ▲ Buy | 280 | 30-Jul-2026 |
Company Overview
Show Company Profile
Capri Global Capital Limited, a non-banking financial company, provides financial services in India. It offers home loans; micro, small, and medium enterprises (MSME) loans; construction finance; small business loans; loans against property; and gold loans, as well as indirect lending, car loan distribution, and insurance distribution services. The company was formerly known as Money Matters Financial Services Limited and changed its name to Capri Global Capital Limited in July 2013. The company was incorporated in 1994 and is based in Mumbai, India.