Capri Global Capital (531595) Q4 25/26 earnings summary

Executive summary

• Achieved highest ever quarterly profit of INR 283 crore in Q4 FY 2026, with full year profit of INR 949 crore, nearly double from last year; consolidated AUM reached INR 36,623 crore, up 60% year on year.

• Net Interest Income rose 50% YoY to ₹19,979 mn, and PAT nearly doubled YoY to ₹9,486 mn; asset quality improved with NNPA declining to 0.5%.

• Cost-to-income ratio improved to 49.4% in FY26, and ROAE and ROAA increased to 16.5% and 3.5% respectively.

• Board approved audited standalone and consolidated financial results for FY26, with unmodified audit opinions; final dividend of ₹0.20 per equity share recommended.

• Aggregate borrowing limits proposed to increase from ₹25,000 crore to ₹35,000 crore, pending AGM approval.

Financial highlights

• Q4FY26 PAT up 59% YoY to ₹2,828 mn; Net Interest Income up 56% YoY to ₹5,956 mn; consolidated revenue from operations for FY26 was ₹47,311.37 million, up from ₹32,479.33 million YoY.

• Non-interest income for FY26 surged 71% YoY to ₹8,597 mn, driven by co-lending and insurance distribution.

• Pre-provision operating profit surged 97% YoY to ₹14,464 mn for the year.

• Earnings per share (consolidated, basic) for FY26 was ₹10.15, up from ₹5.77 in FY25.

• Net worth as of March 31, 2026, stood at ₹66,653.42 million.

Outlook and guidance

• Targeting AUM of INR 55,000 crore (₹550 bn) by FY 2028, with sustainable ROE of 16%-18% and ROA of 4%-4.5%.

• FY 2027 guidance: AUM INR 46,000 crore, PAT INR 1,300 crore, ROA ~4%, ROE ≥16%.

• Plans to add 750–800 new branches over the next two years, focusing on geographic expansion and product diversification.

• The company continues to focus on fund-based financing activities and plans to utilize increased borrowing limits for future growth.