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Indian NBFC providing MSME loans against property, construction finance and gold loans to small businesses.
Indian NBFC providing MSME loans against property, construction finance and gold loans to small businesses.
Borrows from banks and bond investors and lends at higher rates, keeping the spread, so funding costs and loan losses matter as much as loan growth. The core is loans secured on property for small businesses, with construction finance and gold loans as other lines; gold loans were added more recently.
Moat: none (distribution). Niche MSME secured-lending focus in a crowded, competitive NBFC segment.
Headquarters: Mumbai, India · Founded: 1994 · Employees: 9,786
Size Capri Global Capital (CGCL.NS) is an India Financials company (Finance/Rental/Leasing) with a market value of $2.44B, the 330th largest of 1,058 India companies the cockpit tracks. Shares closed at ₹239.71 on 6 Nov 2026.
Performance Over six months the shares gained 19.8%, against -6.4% for the median peer and 0.0% for the India market (cap-weighted) — 3rd highest of 21 in its peer set.
Growth Revenue grew 53.0% over the last twelve months (peer median +16.1%); the operating margin is 32.7% (peer median 29.2%).
Valuation It trades at 2.90× book value against a peer median of 1.75× (most expensive of 21).
Price implies The share price implies a return on equity of about 21.5%; Capri Global Capital delivers 17.9%, so the price asks more than the business earns today.
Credit Capri Global Capital has 1 bond outstanding ($300M).
Next results Next results expected around 28 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ₹59.8B | ₹47.4B | ₹32.5B | ₹23.1B | ₹14.7B |
| Revenue growth | — | +46% | +40% | +58% | — |
| Gross profit | ₹35.1B | ₹44.6B | ₹29.9B | ₹21.2B | ₹13.9B |
| EBITDA | ₹20.8B | ₹32.8B | ₹21.0B | ₹13.9B | ₹8.59B |
| Net income | ₹13.1B | ₹9.49B | ₹4.79B | ₹2.79B | ₹2.05B |
| Free cash flow | n/a | ₹13.7B | ₹4.13B | ₹2.47B | ₹1.52B |
| Capital expenditure | n/a | ₹597M | ₹654M | ₹678M | ₹1.31B |
| Total debt | ₹305B | ₹244B | ₹158B | ₹107B | ₹77.0B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Capri Global Capital CGCL.NS | $2.44B | +20% | +53% | 18% | 2.90× | 21.5% |
| Aptus Value Housing Finance India APTUS.NS | $927M | -36% | +18% | 20% | 1.60× | 23.2% |
| SBFC Finance SBFC.NS | $1.08B | -5% | +28% | 14% | 2.52× | 31.2% |
| Five-Star Business Finance FIVESTAR.NS | $1.33B | -10% | +9% | 15% | 1.59× | 22.3% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | CGCL.NS | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -4.4% | -1.4% | 8th lowest of 21 |
| 6-month return | +19.8% | -6.4% | 3rd highest of 21 |
| Return on equity | 17.9% | 13.1% | 4th highest of 21 |
| Price / book | 2.90× | 1.75× | most expensive of 21 |
| Trailing P/E | 17.7× | 11.6× | 6th most expensive of 21 |
| ROE the price implies | 21.5% | 16.7% | 9th most demanding of 21 |
| ROE delivered | 17.9% | 12.9% | 4th highest of 18 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Capri Global Capital CGCL.NS | India | $2.44B | +20% | +53% | 18% | 2.90× | 21.5% | 17.9% |
| UWM UWMC | United States | $2.44B | -56% | +16% | 2% | 2.67× | 32.8% | 2.1% |
| Mizuho Leasing 8425.T | Japan | $2.45B | -13% | +16% | 13% | 0.77× | 6.0% | 13.3% |
| Encore Capital ECPG | United States | $2.42B | +36% | +29% | 31% | 2.24× | 21.7% | 30.5% |
| Fuyo General Lease 8424.T | Japan | $2.34B | -6% | +19% | 5% | 0.72× | 4.8% | 4.5% |
| China Development Bank Financial Leasing 1606.HK | Hong Kong | $2.66B | +4% | -5% | 13% | 0.40× | 4.5% | 12.6% |
| Upstart UPST | United States | $2.17B | -24% | +39% | 8% | 2.44× | 37.8% | 8.0% |
| Custom Truck One Source CTOS | United States | $2.12B | -4% | +6% | 4% | 2.58× | 26.7% | 3.7% |
| IIFL Finance IIFL.NS | India | $2.83B | +35% | +36% | 18% | 1.73× | 23.7% | 17.6% |
| Cholamandalam Financial CHOLAHLDNG.NS | India | $2.89B | -17% | +18% | 17% | 1.77× | 26.2% | n/a |
| Aadhar Housing Finance AADHARHFC.NS | India | $1.99B | -14% | +18% | 16% | 2.48× | 31.1% | n/a |
| PNB Housing Finance PNBHOUSING.NS | India | $3.03B | +5% | +11% | 12% | 1.42× | 19.4% | 12.3% |
| McGrath RentCorp MGRC | United States | $3.05B | +9% | +2% | 13% | 2.38× | 13.2% | 12.9% |
| AEON Financial Service 8570.T | Japan | $1.95B | -9% | +8% | 5% | 0.67× | 5.2% | 4.9% |
| Hercules Capital HTGC | United States | $3.06B | 0% | +40% | 16% | 1.32× | 10.4% | 15.7% |
| Marui 8252.T | Japan | $3.09B | -7% | +8% | 12% | 2.12× | 7.1% | 12.4% |
| SLM SLM | United States | $3.10B | -25% | -6% | 25% | 1.55× | 13.8% | 24.7% |
| LIC Housing Finance LICHSGFIN.NS | India | $3.12B | -9% | -1% | 14% | 0.67× | 11.6% | 14.3% |
| Federal Agricultural Mortgage AGM | United States | $1.90B | 0% | +31% | 13% | 1.56× | 14.0% | 13.5% |
| Manappuram Finance MANAPPURAM.NS | India | $3.23B | +3% | +5% | 7% | 1.90× | 33.0% | n/a |
| CreditAccess Grameen CREDITACC.NS | India | $1.84B | -27% | +17% | 20% | 1.95× | 20.5% | 19.7% |
Capri Global Capital has 1 bond outstanding with $300M face value.