Capri Global Capital Ltd – Q4 FY26 Results

key financial highlights

• Revenue from Operations:
  • Total Income (Q4 FY26): ₹13,876.74 Million
    • QoQ Change: +13.23%
    • YoY Change: +44.86%
  • Previous Quarter (Q3 FY26): ₹12,254.04 Million
  • Previous Year (Q4 FY25): ₹9,580.14 Million
• Profit After Tax (PAT):
  • PAT (Q4 FY26): ₹2,828.15 Million
    • QoQ Change: +10.72%
    • YoY Change: +59.11%
  • Previous Quarter (Q3 FY26): ₹2,554.39 Million
  • Previous Year (Q4 FY25): ₹1,777.41 Million
• QoQ Performance
  • Revenue Trend: Strong Growth
  • Profit Trend: Strong Growth

Margin Analysis

Drivers:

• Expansion in interest income
• Controlled cost-to-income ratio
• Rise in finance cost but offset by higher yields
• Improved operating efficiency

Insight:

• Operating leverage kicking in → profitability scaling faster than revenue

Segment insight

Summary:

• Capri operates as a diversified NBFC with focus on retail lending and MSME financing

Charcateristics:

• High growth loan book
• Interest income-driven model
• Sensitive to credit quality and cost of funds

Earning quality check

Drivers:

• Core operating income (interest + fees) driving growth
• Limited reliance on exceptional items
• Strong contribution from lending book expansion

Interpretations:

• High-quality earnings backed by core lending operations

balance sheet Analysis

• Total Assets: ₹326,759.96 million
• Total Liabilities: ₹253,569.35 million

Insight:

• Significant expansion in loan book (₹281,499 million)
• Borrowings increased to support growth
• Strong net worth expansion (₹72,034 million)

key risks

• Rising cost of borrowing
• Credit risk in loan book expansion
• Exposure to MSME and retail segments
• Interest rate sensitivity
• Asset quality deterioration risk

management strategy signals

Focus Area:

• Loan book expansion
• Retail & MSME lending growth
• Maintaining asset quality
• Improving yield spreads

Financial metrics table

Quarterly Performance Context