Capri Global Capital Ltd (NSE:CGCL)

Q1 2026 Capri Global Capital Ltd Earnings Call Transcript

Aug 5, 2025 / 06:30 AM GMT

Release Date Price: ₹186.75 (-1.77%)

Transcript

Key Points

Positve

Capri Global Capital Ltd (BOM:531595) successfully completed a qualified institutional placement, raising INR 2,000 crore in primary equity capital, marking a significant financial milestone.
The company reported a robust year-on-year growth of 42% in consolidated assets, driven by strong performance in retail lending, particularly in gold and housing loans.
The gold loan business saw a 69% year-on-year increase, supported by a network of 821 specialized branches, indicating strong demand and operational efficiency.
Capri Global Capital Ltd (BOM:531595) maintained a healthy net interest income growth of 38% year-on-year, supported by a diversified and resilient earning profile.
The company has a strong liquidity position with INR 3,700 crore in cash and bank balances, providing flexibility to navigate market conditions and support strategic growth initiatives.

Negative

The company experienced an increase in credit costs, rising to 1.6% of the gross loan book, driven by higher provisions in certain segments such as MSME and construction finance.
There are concerns about potential stress in the MSME segment, particularly in certain regions, which could impact asset quality.
Despite the strong growth, the company has set a conservative growth target of 30% for the year, indicating caution amidst market uncertainties.
The cost-to-income ratio remains relatively high at around 50%, with plans to add more branches potentially impacting operational costs.
The company faces intense competition in the gold loan and affordable housing segments, which could pressure margins and growth targets.

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

CAPG.NS - Capri Global Capital Ltd
Q1 2026 Capri Global Capital Ltd Earnings Call
Aug 05, 2025 / 06:30AM GMT

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Presentation
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Unidentified_1 [1]
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Good day and welcome to the Capri Global Capital Limited Q1 FY26 earnings conference call hosted by Go India advisors. As a reminder, all participant lines will be in the listen-only mode, and there will be an opportunity for you to ask questions after the presentation concludes. Should you need assistance during this conference call, please signal an operator by pressing, then 0 on your touchstone phone.

Please note that this conference is being recorded. I now hand the conference over to Mr. Harvik Doshi from Capri Global Capital Limited.

Thank you and over to you.

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Unidentified_2 [2]
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