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Capri Global Capital
Capri Global Capital (531595) investor relations material
Capri Global Capital Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary2 Feb, 2026
Executive summary
Achieved highest-ever quarterly profit of INR 2,554 million in Q3 FY26, up 99% year-on-year, with robust growth across all lending segments and continued asset quality discipline.
Consolidated AUM reached INR 304,065 million, growing 47% year-on-year, driven by expansion in gold loans, housing, MSME, and co-lending.
Customer base exceeded 630,000, with a total branch network of 1,331 and employee base up 7% quarter-on-quarter.
Board approved unaudited financial results for Q3 FY26 and a Global Medium Term Note (GMTN) programme to raise up to USD 1 billion.
Invested Rs. 200 crore in Capri Global Housing Finance Limited (CGHFL) through a rights issue.
Financial highlights
Net interest income for Q3 FY26 was INR 5,100 million, up 48% year-on-year; non-interest income grew 124% year-on-year to INR 2,400 million, contributing 32% of net total income.
Q3 FY26 total income rose 66% year-on-year to INR 7,507 million; pre-provision operating profit surged 92% year-on-year to INR 3,634 million.
PAT reached INR 2,554 million, up 99% year-on-year; ROE improved to 15% and ROA to 4% for the quarter.
Cost-to-income ratio improved to 51.6% from 58.2% year-on-year; net interest margin stood at 9.1%.
Earnings per share (consolidated, basic) for Q3 FY26 was Rs. 2.66, up from Rs. 1.55 in Q3 FY25.
Outlook and guidance
FY26 AUM guidance revised to INR 330–340 billion; FY27 target set at INR 430–440 billion; FY28 AUM target raised to INR 550 billion.
Aims to deliver ROE of 16–18% and ROA of 4–4.5% by FY28, leveraging product diversification, technology, and operational efficiency.
Plans to add 750–800 new branches over the next three years and deepen presence in new geographies.
Gold loan AUM expected to grow to 45–46% of total AUM; MSME, construction finance, and housing to remain at 18–20% each.
What is the expected long-term cost-to-income ratio due to tech?
What LTV threshold triggers margin calls for Gold Loans?
How does capping co-lending impact future ROE?
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Next Capri Global Capital earnings date
Q4 25/266 May, 2026
Capri Global Capital
Next Capri Global Capital earnings date
Q4 25/266 May, 2026
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