India · Delayed Price · Currency is INR Capri Global Capital Earnings Call Transcripts
Fiscal Year 2026
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Q4 FY 2026 saw record profit and robust AUM growth, with asset quality and return ratios improving. Guidance targets AUM of INR 55,000 crore by FY 2028, with ROE of 16%-18% and ROA of 4%-4.5%.
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Q3 FY26 saw record profit and robust AUM growth, with strong asset quality and improved margins. Gold loans, MSME, and housing segments all posted double-digit growth, while technology and operational efficiency drove higher ROE and ROA.
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Q2 FY26 saw record profit, 40% AUM growth, and strong expansion across gold, MSME, and housing loans. Margins, asset quality, and cost efficiency improved, with guidance raised for FY26 and FY27. Technology and ESG initiatives advanced, and funding mix diversified.
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AUM grew 42% YoY to INR 24,754 crore, with strong gains in gold loans, housing, and construction finance. Profit after tax rose 131% YoY to INR 175 crore, and cost-to-income improved to 49%. Guidance remains for 30% annual growth, stable asset quality, and further cost reduction.
Fiscal Year 2025
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Record FY25 performance with 46% AUM growth, 71% net profit increase, and strong expansion in gold loans, MSME, and housing finance. Targeting 27%-30% CAGR and 16% ROE by FY28, with robust asset quality and capital position.
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AUM grew 54.6% year-on-year to INR 20,663 crore in Q3 FY25, led by gold and housing loans. Net profit surged 88% year-on-year, with improved asset quality and cost efficiency. Confident of reaching INR 30,000 crore AUM by FY27, driven by technology and branch expansion.
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AUM grew 56% year-on-year to INR 19,273 crore, led by gold and housing loans, with net profit up 49%. Technology and AI initiatives improved efficiency, while co-lending and fee income expanded. ROE is expected to reach mid-teens by FY27.
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Q1 FY2025 saw AUM surge 56% year-over-year to INR 17,457 crore, with net profit up 19% and strong growth in Gold Loans and co-lending. Technology upgrades improved efficiency, while a one-off write-off in Construction Finance impacted credit costs, with most recovery expected.