Capri Global Capital Ltd (NSE:CGCL)

Q4 2025 Capri Global Capital Ltd Earnings Call Transcript

May 7, 2025 / 06:30 AM GMT

Release Date Price: ₹162.68 (-1.70%)

Transcript

Key Points

Positve

Capri Global Capital Ltd (BOM:531595) reported a robust 46% year-on-year growth in consolidated revenue, reflecting the success of its diversified strategy across secured retail lending.
The company achieved a significant 130% year-on-year increase in its gold loan AUM, driven by strong customer demand and rapid branch-level scale-up.
Capri Global Capital Ltd (BOM:531595) expanded its branch network to 1,111 locations, enhancing its reach and operational efficiency.
The company's non-interest income streams, including insurance distribution and car loan origination, contributed more than 27% to net income, enhancing capital efficiency.
The firm maintained a strong liquidity position with over INR 1,827 crores in cash and credit lines, supporting its growth initiatives.

Negative

The cost of funds is gradually rising, reaching approximately 9.5%, which could impact future profitability if systemic liquidity tightens further.
There is regulatory scrutiny and potential challenges in maintaining high yields in the gold loan segment due to increasing competition.
The company's MSME portfolio showed subdued performance compared to other segments, indicating potential challenges in this area.
Capri Global Capital Ltd (BOM:531595) faces emerging risks such as algorithmic bias in credit scoring models and cybersecurity threats due to increasing digitization.
The company may face challenges in maintaining its leverage ratio below 4x, especially if market conditions necessitate further fundraising.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

CAPG.NS - Capri Global Capital Ltd
Q4 2025 Capri Global Capital Ltd Earnings Call
May 07, 2025 / 06:30AM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, good day and welcome to the Kree Global Capital Limited, Q4F525 earnings conference call hosted by Go India advisors. As a reminder, all participant line will be in listen-only mode, and there will be an opportunity for you to ask questions after the presentation concludes.

Should you need assistance during the conference call, please signal an operator by facing 70 on your touchtone phone. Please note that this conference is being recorded. I now have the conference over to Mr. Harvik Doshi from Kre Global Capital Limited.

Thank you and over to you, sir.

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Unidentified_2 [2]
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