Capri Global Capital Ltd
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]
- Market Cap ₹ 15,425 Cr.
- Current Price ₹ 748
- High / Low ₹ 876 / 566
- Stock P/E 66.7
- Book Value ₹ 179
- Dividend Yield 0.07 %
- ROCE 8.98 %
- ROE 7.46 %
- Face Value ₹ 2.00
Pros
- Company is expected to give good quarter
Cons
- Stock is trading at 4.19 times its book value
- Company has low interest coverage ratio.
- 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
- Promoter holding has decreased over last 3 years: -5.03%
* 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
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
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 | TTM | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
595 | 1,998 | 162 | 198 | 189 | 229 | 351 | 589 | 717 | 737 | 981 | 1,464 | 1,897 | |
534 | 1,901 | 41 | 48 | 120 | 97 | 140 | 191 | 203 | 201 | 368 | 621 | 853 | |
Operating Profit | 61 | 97 | 121 | 150 | 69 | 132 | 211 | 398 | 514 | 536 | 613 | 843 | 1,044 |
OPM % | 10% | 5% | 75% | 76% | 37% | 58% | 60% | 68% | 72% | 73% | 63% | 58% | 55% |
1 | 13 | 6 | 8 | 2 | 6 | 1 | 3 | 2 | 0 | 1 | 1 | 0 | |
Interest | 0 | 0 | 2 | 5 | 12 | 38 | 97 | 207 | 283 | 290 | 332 | 532 | 676 |
Depreciation | 1 | 1 | 3 | 4 | 3 | 4 | 6 | 7 | 11 | 11 | 10 | 44 | 72 |
Profit before tax | 60 | 109 | 123 | 149 | 56 | 96 | 108 | 187 | 222 | 236 | 273 | 268 | 297 |
Tax % | 32% | 30% | 33% | 36% | 22% | 39% | 40% | 27% | 27% | 25% | 25% | 24% | |
41 | 77 | 82 | 95 | 44 | 58 | 65 | 136 | 161 | 177 | 205 | 205 | 231 | |
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 | 11.22 |
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: | 62% |
Compounded Profit Growth | |
---|---|
10 Years: | 10% |
5 Years: | 26% |
3 Years: | 8% |
TTM: | 11% |
Stock Price CAGR | |
---|---|
10 Years: | 42% |
5 Years: | 44% |
3 Years: | 39% |
1 Year: | 3% |
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 | Sep 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 35 | 35 | 35 | 35 | 35 | 35 | 35 | 35 | 35 | 35 | 35 | 41 | 41 |
Reserves | 794 | 865 | 941 | 1,030 | 1,068 | 1,126 | 1,217 | 1,348 | 1,504 | 1,682 | 1,887 | 3,524 | 3,642 |
0 | 0 | 0 | 50 | 141 | 728 | 1,566 | 2,769 | 2,837 | 3,774 | 4,832 | 7,511 | 8,801 | |
15 | 14 | 15 | 49 | 77 | 98 | 153 | 126 | 66 | 322 | 398 | 718 | 628 | |
Total Liabilities | 844 | 913 | 991 | 1,164 | 1,320 | 1,986 | 2,971 | 4,277 | 4,441 | 5,813 | 7,153 | 11,795 | 13,112 |
5 | 5 | 12 | 9 | 8 | 13 | 15 | 14 | 32 | 28 | 34 | 291 | 372 | |
CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 17 | 0 |
Investments | 52 | 23 | 31 | 117 | 110 | 68 | 56 | 9 | 361 | 807 | 377 | 215 | 239 |
787 | 885 | 948 | 1,038 | 1,202 | 1,905 | 2,900 | 4,254 | 4,048 | 4,978 | 6,739 | 11,271 | 12,501 | |
Total Assets | 844 | 913 | 991 | 1,164 | 1,320 | 1,986 | 2,971 | 4,277 | 4,441 | 5,813 | 7,153 | 11,795 | 13,112 |
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 | -1,340 | -2,994 | |
156 | 34 | 102 | -88 | 2 | 46 | 40 | 41 | -352 | -465 | 317 | 52 | |
-34 | -4 | -6 | 44 | 69 | 460 | 835 | 1,196 | 54 | 892 | 1,176 | 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 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Debtor Days | 2 | 8 | 20 | 48 | 16 | 1 | 1 | 5 | 0 | 1 | 3 | 8 |
Inventory Days | 148 | 54 | ||||||||||
Days Payable | 0 | 0 | ||||||||||
Cash Conversion Cycle | 150 | 62 | 20 | 48 | 16 | 1 | 1 | 5 | 0 | 1 | 3 | 8 |
Working Capital Days | 231 | 81 | 892 | 553 | 293 | 101 | -153 | -54 | -18 | -139 | -119 | -120 |
ROCE % | 7% | 13% | 13% | 15% | 6% | 9% | 9% | 11% | 12% | 11% | 10% | 9% |
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
2h - Disclosure under Regulation 30 of the SEBI (LODR) Regulations, 2015 - Schedule of One on One meeting
- Announcement under Regulation 30 (LODR)-Newspaper Publication 6h
- Appointment Of Head - Compliance 1 Dec
- Announcement under Regulation 30 (LODR)-Investor Presentation 23 Nov
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
20 Nov - Disclosure under Regulation 30 of the SEBI (LODR) Regulations, 2015 - Schedule of Group meeting with investors
Annual reports
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
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Financial Year 2011
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Financial Year 2011
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Financial Year 2010
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Concalls
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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%