Capri Global Capital
Stock Snapshot
Price Performance
Vista Outlook
View Technicals Analysis →Basis of our Recommendation
Capri Global Capital Limited is positioned for robust growth, driven by strategic geographic expansion and product diversification, particularly in the gold loan segment. Management's commitment to increasing its branch network by 750-800 locations over the next two years is expected to enhance market penetration and customer acquisition, supporting a projected AUM growth to ₹650 billion by FY28. This aligns with Vista's forecast of improving margins and a strong balance sheet, which reflects the company's disciplined capital allocation and operational efficiencies. However, challenges in the MSME segment and competitive pressures in the gold loan market warrant close monitoring. The current macroeconomic environment, characterized by moderate growth and tightening liquidity, may influence consumer spending and credit demand. Over the next 12-24 months, key opportunities include leveraging AI for operational efficiency and expanding fee income streams, while watchpoints include potential credit rating upgrades and the impact of regulatory changes on co-lending volumes. Overall, Capri Global's strategic initiatives and market dynamics support Vista's strong buy recommendation, with an expected upside of approximately 88.7%
Why We Like This Stock
- Strategic expansion of 750-800 branches to enhance market penetration and customer acquisition
- Focus on gold loans as a primary growth driver, supported by improving pricing power in the NBFC sector
- Implementation of AI-driven technology to optimize operational efficiency and reduce costs
Things To Watch Out For
- Challenges in the MSME segment due to a significant credit gap and competitive pressures in the gold loan market
- Potential impact of tightening liquidity on consumer spending and credit demand
- Regulatory changes affecting co-lending volumes may temporarily hinder growth
Key Parameters
Financial Snapshot
| Actuals | Forecast | ||||
|---|---|---|---|---|---|
| FY24 | FY25 | FY26 | FY27 | FY28 | |
| Revenue (Cr.) | 1,476 | 1,974 | 3,001 | 3,525 | 4,877 |
| Profit Before Tax (Cr.) | 366 | 633 | 1,257 | 2,088 | 2,745 |
| PBT Margin | 24.8% | 32.1% | 4188.6% | 59.2% | 56.3% |
| Net Profit (Cr.) | 255 | 464 | 948 | 1,565 | 2,057 |
| Earnings Per Share | 2.6 | 4.8 | 9.9 | 16.3 | 21.4 |
Analyst Recommendations
| Broker | Recommendation | Target Price | Date |
|---|---|---|---|
| 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 for real estate developers; small business loans for women; emergency credit line guarantee scheme for businesses and MSMEs; and gold loans, as well as indirect lending and car loan distribution services. Capri Global Capital Limited 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.