Capri Global Capital Ltd

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

Capri Global Capital Ltd

₹ 748 -0.70%
06 Dec - close price
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 ₹ 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
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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

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023
182 187 187 197 222 256 291 279 346 385 454 501 557
34 51 72 60 74 87 146 113 132 183 193 225 252
Operating Profit 149 136 115 137 148 169 145 166 213 202 261 276 305
OPM % 81% 73% 62% 69% 67% 66% 50% 59% 62% 53% 58% 55% 55%
5 4 0 3 3 3 5 1 1 0 0 0 0
Interest 69 73 76 77 80 82 92 102 126 139 164 177 196
Depreciation 2 2 4 2 1 3 4 3 7 15 19 16 23
Profit before tax 82 65 36 61 70 86 56 61 81 48 78 84 86
Tax % 26% 24% 24% 24% 26% 25% 25% 24% 30% 22% 17% 24% 24%
61 49 27 46 52 65 42 46 56 37 65 64 65
EPS in Rs 2.97 2.39 1.32 2.24 2.55 3.15 2.03 2.24 2.73 1.82 3.15 3.09 3.16
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 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%

Shareholding Pattern

Numbers in percentages

1 Recently
Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023
74.87% 74.87% 74.87% 74.84% 74.74% 74.72% 74.68% 74.68% 74.64% 69.91% 69.91% 69.91%
1.33% 0.78% 0.03% 0.04% 0.03% 0.10% 0.10% 0.09% 0.34% 0.21% 0.08% 0.63%
2.29% 2.98% 4.80% 4.81% 4.80% 6.72% 7.59% 8.32% 11.53% 13.62% 14.34% 14.35%
21.51% 21.36% 20.29% 20.31% 20.43% 18.46% 17.63% 16.90% 13.50% 16.27% 15.68% 15.11%
No. of Shareholders 5,3925,2668,6347,6807,7369,49410,0749,6678,8007,3537,4327,053

* 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.

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