Capri Global Capital Ltd

Capri Global Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Capri Global Capital Ltd

₹ 710 0.29%
05 Jun 3:08 p.m.
cgcl.co.in BSE: 531595 NSE : CGCL
About

Capri Global is a diversified Non-Banking Financial Company (NBFC) with presence across different segments like MSME, Construction Finance, Affordable Housing and Indirect Retail Lending segments.
They Started Construction Finance Business in 2011, MSME lending in 2013 and Housing Finance in 2016. [1]

Key Points

Product Portfolio
MSME Finance:
Aum: 51% of AUM in FY20 vs 66.8% in FY17
Product portfolio: Business loan against residential/ commercial/industrial properties.
Ticket size: ₹0.05-0.75 crores, with average ticket size of ₹0.16 crores
Tenor: Up to 15 years, with average tenor of 4-6 years
Average LTV ~48%

Website BSE NSE
  • Market Cap ₹ 14,630 Cr.
  • Current Price ₹ 710
  • High / Low ₹ 785 / 566
  • Stock P/E 71.5
  • Book Value ₹ 173
  • Dividend Yield 0.07 %
  • ROCE 8.98 %
  • ROE 7.46 %
  • Face Value ₹ 2.00
Edit ratios

Pros

  • Company is expected to give good quarter

Cons

  • Stock is trading at 4.07 times its book value
  • Company has low interest coverage ratio.
  • Promoter holding has decreased over last quarter: -4.73%
  • Company has a low return on equity of 9.48% over last 3 years.
  • Dividend payout has been low at 4.76% of profits over last 3 years

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Finance Industry: Finance & Investments

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023
Revenue 182 172 182 187 187 197 222 256 291 279 346 385 454
Interest 71 71 69 73 76 77 80 82 92 102 126 139 164
59 45 34 51 72 60 74 87 146 113 133 183 193
Financing Profit 52 55 80 63 39 59 68 87 54 64 87 63 97
Financing Margin % 29% 32% 44% 34% 21% 30% 31% 34% 18% 23% 25% 16% 21%
0 0 5 4 0 3 3 3 5 1 1 0 0
Depreciation 3 2 2 2 4 2 1 3 4 3 7 15 19
Profit before tax 49 53 82 65 36 61 70 86 56 61 81 48 78
Tax % 29% 25% 26% 24% 24% 24% 26% 25% 25% 24% 30% 22% 17%
Net Profit 35 40 61 49 27 46 52 65 42 46 56 37 65
EPS in Rs 1.71 1.93 2.97 2.39 1.32 2.24 2.55 3.15 2.03 2.24 2.73 1.82 3.15
Gross NPA % 2.40% 3.30% 3.40% 3.75% 2.70% 2.70% 2.36% 2.32%
Net NPA % 0.80% 0.90% 0.80% 0.84% 2.00% 1.70% 1.65%
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Revenue 595 1,998 162 198 189 229 351 589 717 737 969 1,463
Interest 0 0 2 5 12 38 97 207 283 290 332 531
534 1,901 41 48 120 97 140 191 203 201 368 622
Financing Profit 61 97 120 145 58 94 114 191 230 246 270 311
Financing Margin % 10% 5% 74% 73% 30% 41% 32% 32% 32% 33% 28% 21%
1 13 6 8 2 6 1 3 2 0 12 2
Depreciation 1 1 3 4 3 4 6 7 11 11 10 44
Profit before tax 60 109 123 149 56 96 108 187 222 236 273 268
Tax % 32% 30% 33% 36% 22% 39% 40% 27% 27% 25% 25% 24%
Net Profit 41 77 82 95 44 58 65 136 161 177 205 205
EPS in Rs 2.00 3.74 4.01 4.65 2.13 2.83 3.16 6.61 7.86 8.62 9.96 9.93
Dividend Payout % 9% 7% 6% 6% 12% 9% 8% 5% 2% 5% 4% 5%
Compounded Sales Growth
10 Years: -3%
5 Years: 33%
3 Years: 27%
TTM: 51%
Compounded Profit Growth
10 Years: 10%
5 Years: 26%
3 Years: 8%
TTM: 0%
Stock Price CAGR
10 Years: 36%
5 Years: 54%
3 Years: 78%
1 Year: 7%
Return on Equity
10 Years: 9%
5 Years: 10%
3 Years: 9%
Last Year: 7%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
35 35 35 35 35 35 35 35 35 35 35 41
Reserves 794 865 941 1,030 1,068 1,126 1,217 1,348 1,504 1,682 1,887 3,524
-0 -0 -0 50 141 728 1,566 2,769 2,837 3,774 4,808 7,511
15 14 15 49 77 98 153 126 66 322 422 718
Total Liabilities 844 913 991 1,164 1,320 1,986 2,971 4,277 4,441 5,813 7,153 11,795
5 5 12 9 8 13 15 14 32 28 34 306
CWIP -0 -0 -0 -0 -0 0 -0 0 0 0 2 3
Investments 52 23 31 117 110 68 56 9 361 807 377 215
787 885 948 1,038 1,202 1,905 2,900 4,254 4,048 4,978 6,739 11,271
Total Assets 844 913 991 1,164 1,320 1,986 2,971 4,277 4,441 5,813 7,153 11,795

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
-162 -59 -102 59 -73 -511 -857 -1,115 210 -319 -1,341 -2,994
156 34 102 -88 2 46 40 41 -352 -465 467 52
-34 -4 -6 44 69 460 835 1,196 54 892 1,026 4,096
Net Cash Flow -40 -29 -6 15 -1 -6 18 122 -88 108 152 1,154

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
ROE % 5% 9% 9% 9% 4% 5% 5% 10% 11% 11% 11% 7%

Shareholding Pattern

Numbers in percentages

2 Recently
Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023
74.94 74.94 74.87 74.87 74.87 74.84 74.74 74.72 74.68 74.68 74.64 69.91
3.24 3.27 1.33 0.78 0.03 0.04 0.03 0.10 0.10 0.09 0.34 0.21
0.01 0.00 2.29 2.98 4.80 4.81 4.80 6.72 7.59 8.32 11.53 13.62
21.81 21.79 21.51 21.36 20.29 20.31 20.43 18.46 17.63 16.90 13.50 16.27

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

Click on the line-items to see the names of individual entities.

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