Conference Call with Capri Global Capital Management and Analysts on Q2FY26 Performance and Outlook. Listen to the full earnings transcript.
Finance company Capri Global Capital announced Q2FY26 results Total AUM: Rs 27,040 crore vs Rs 19,270 crore (up 40.3%) Gold Loans: Rs 10,406 crore vs Rs 6,584 crore (up 58.1%) MSME Loans: Rs 5,602 crore vs Rs 4,760 crore (up 17.7%) Affordable Housing: Rs 5,972 crore vs Rs 4,358 crore (up 37.0%) Construction Finance: Rs 4,969 crore vs Rs 3,346 crore (up 48.5%) Net Interest Income: Rs 480 crore vs Rs 305 crore (up 57.5%) Non-Interest Income: Rs 203 crore vs Rs 103 crore (up 97.0%) Net Total Income: Rs 683 crore vs Rs 408 crore (up 67.5%) Operating Expense: Rs 338 crore vs Rs 262 crore (up 28.9%) Operating Profit: Rs 345 crore vs Rs 146 crore (up 136.9%) Profit After Tax (PAT): Rs 236 crore vs Rs 97 crore (up 143.3%) Spread on Net Advances: 7.4% vs 6.7% (up 63 bps) Cost-to-Income Ratio: 49.4% vs 64.3% (improved by 1481 bps) Operating Profit Margin: 5.3% vs 3.2% (up 216 bps) Return on Average Assets (RoAA): 4.0% vs 2.3% (up 166 bps) Return on Average Equity (RoAE): 14.4% vs 9.8% (up 462 bps) Basic EPS (not annualised): Rs 2.45 vs Rs 1.18 (up 108.0%) Book Value Per Share: Rs 69.4 vs Rs 48.6 (up 42.7%) Gross Stage 3 Ratio: 1.3% vs 1.6% (improved by 36 bps) PCR (on Stage-3): 42.8% vs 40.1% (up 268 bps) CRAR (Standalone): 32.9% vs 23.7% (up 916 bps) Rajesh Sharma, Promoter & Managing Director, said: “We continue to see significant growth momentum across all our product segments, and our diversified, secured lending model positions us well to tap the large market opportunity delivering sustainable and profitable growth. Our focus on technology investments and customer-first approach will continue to enable us to scale efficiently. With margin expansion driven by high-yield products, steady growth in fee-based income, cost efficiency driven by scale and strong capital position, we are on track to deliver Rs 50,000 core in AUM, RoAE of 16-18% and RoAA of 4.0% - 4.5% by FY28, creating sustained value for all stakeholders” Result PDF