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Capri Global Capital Limited Q4 FY25 earnings call summary

NSE: CGCL · BSE: 531595

Earnings call of 7 May 2025, summarised by AI from the filing.

Q4 FY25 consolidated net profit ₹178 cr, up 115% YoY and 39% QoQ; FY25 profit ₹479 cr, up 71%.

Key takeaways

  1. Net profit Q4 FY25 consolidated net profit ₹178 cr, up 115% YoY and 39% QoQ; FY25 profit ₹479 cr, up 71%.
  2. Change Cost-to-income ratio improved to 54.8% in Q4 FY25 from 70.5% in Q4 FY24.
  3. Driver Gold loan AUM grew 130% YoY to ₹8,042 cr, driven by branch expansion and digital journey.
  4. Risk RBI draft guidelines on LTV for bullet repayment gold loans may reduce loan amounts.

Original filing on BSE

Capri Global Capital Limited Q1 FY27 results

As filed: Revenue ₹1,576 cr (+57% year on year), EBITDA ₹1,081 cr (+67% year on year), PAT ₹353 cr (+102% year on year), EBITDA margin 68.5% (+400 bps).

The Q1 FY27 score, against the company's own trend, is for premium members.

Earlier results and the share price after them

  • Q4 FY26: Revenue ₹1,385 cr (+45% year on year), EBITDA ₹900 cr (+45% year on year), PAT ₹283 cr (+59% year on year), EBITDA margin 65.0% (−4 bps). Score 55 of 100, In line with trend. Revenue growth was above the company's own trend; EBITDA growth was well below it; profit growth was below it. EBITDA margin was flat year on year. Revenue rose ₹428 cr on a year ago, more than the ₹308 cr it added the year before. Share price after the results: +6.5% in 29 days (Nifty 500: −0.1%).
  • Q3 FY26: Revenue ₹1,220 cr (+49% year on year), EBITDA ₹795 cr (+51% year on year), PAT ₹255 cr (+100% year on year), EBITDA margin 65.1% (+81 bps). Score 72 of 100, Above trend. Revenue and profit growth were above the company's own trend; EBITDA growth was below it. EBITDA margin rose 81 bps year on year. Revenue rose ₹399 cr on a year ago, more than the ₹216 cr it added the year before. Share price after the results: −5.9% in 29 days (Nifty 500: +0.1%).
  • Q2 FY26: Revenue ₹1,121 cr (+49% year on year), EBITDA ₹743 cr (+60% year on year), PAT ₹236 cr (+143% year on year), EBITDA margin 66.3% (+471 bps). Score 80 of 100, Above trend. Revenue and EBITDA growth were above the company's own trend; profit growth was well above it. EBITDA margin rose 471 bps year on year. Revenue rose ₹369 cr on a year ago, more than the ₹195 cr it added the year before. Share price after the results: −10.0% in 30 days (Nifty 500: −0.1%).
  • Q1 FY26: Revenue ₹1,004 cr (+40% year on year), EBITDA ₹648 cr (+65% year on year), PAT ₹175 cr (+130% year on year), EBITDA margin 64.5% (+981 bps). Score 79 of 100, Above trend. Revenue growth was below the company's own trend; EBITDA growth was above it; profit growth was well above it. EBITDA margin rose 981 bps year on year. Revenue rose ₹286 cr on a year ago, more than the ₹217 cr it added the year before. Share price after the results: −0.5% in 28 days (Nifty 500: −2.0%).
  • Q4 FY25: Revenue ₹957 cr (+47% year on year), EBITDA ₹622 cr (+67% year on year), PAT ₹178 cr (+114% year on year), EBITDA margin 65.0% (+768 bps). Score 82 of 100, Above trend. Revenue growth was above the company's own trend; EBITDA and profit growth were well above it. EBITDA margin rose 768 bps year on year. Revenue rose ₹308 cr on a year ago, more than the ₹195 cr it added the year before. Share price after the results: −7.6% in 30 days (Nifty 500: +3.6%).
  • Q3 FY25: Revenue ₹821 cr (+36% year on year), EBITDA ₹528 cr (+58% year on year), PAT ₹128 cr (+88% year on year), EBITDA margin 64.3% (+911 bps). Score 70 of 100, Above trend. Revenue growth was below the company's own trend; EBITDA growth was above it; profit growth was well above it. EBITDA margin rose 911 bps year on year. Revenue rose ₹216 cr on a year ago, against ₹220 cr the year before.
  • Q2 FY25: Revenue ₹752 cr (+35% year on year), EBITDA ₹463 cr (+52% year on year), PAT ₹97.0 cr (+49% year on year), EBITDA margin 61.6% (+681 bps). Score 92 of 100, Above trend. EBITDA margin rose 681 bps year on year. Not enough history for a trend yet: scored on growth alone.

Past price moves after results do not indicate future moves. Not a recommendation.

Capri Global Capital Limited earnings call, investor presentation and press release summaries

Figures from the company's filings with NSE and BSE. Not investment advice.