Q3 2026 Capri Global Capital Ltd Earnings Call Transcript
Key Points
- Capri Global Capital Ltd (BOM:531595) delivered its highest ever quarterly profit of INR255 crores, marking a 99% increase year on year.
- The company's consolidated AUM grew by 47% year on year to INR30,406 crores, with significant growth in Gold Loans (80% YoY) and housing loans (40% YoY).
- The co-lending AUM surged 93% year on year, highlighting the company's strategic focus on capital-efficient growth.
- The company expanded its branch network significantly, adding 107 new branches in Q3 FY26, enhancing its pan-India footprint.
- Capri Global Capital Ltd's technology investments have led to improved operational efficiency, with a cost-to-income ratio improving to 51.6% from 58.2% in the previous year.
- The macro environment remains challenging with external headwinds such as geopolitical issues and global market volatility.
- Operating expenses increased by 15% quarter on quarter, driven by higher employee costs and incentives.
- The company's Stage 2 assets increased by INR95 crores quarter on quarter, indicating potential risk in asset quality.
- Despite strong growth, the company faces intense competition in the Gold Loan segment, which could impact yields.
- The resignation of the CEO within a short period raised concerns about potential underlying issues within the company.
Ladies and gentlemen, good day, and welcome to Capri Global Capital Limited Q3 FY26 earnings conference call hosted by Go India Advisors. (Operator Instructions) Please note that this conference is being recorded.
I now hand the conference over to Mr. Hardik Doshi from Capri Global Capital Limited. Thank you, and over to you, sir.
Thank you. Good afternoon, everyone, and warm welcome to Q3 FY26 earnings call for Capri Global Capital Limited. This is Hardik Doshi, Head, Corporate Finance and Investor Relations. Before we begin, as a brief disclaimer, the discussion on today's call regarding Capri Global Capital Limited's earnings performance is based on judgments derived from the declared results and information on business opportunities available to the company at this time.
The company's performance is subject to risks, uncertainties and assumptions that could cause results to differ materially in the future. In that context, participants on today's call
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