Capri Global Capital Q1FY27 Results: Net profit jumps 74% YoY to ₹3,533 crore
- Net profit surged 74% YoY to ₹3,533 crore in Q1FY27
- AUM expanded 60% YoY to ₹401,108 crore, led by gold loans
- Net interest margin widened to 9.6% from 8.8% in FY26
- Cost-to-income ratio improved to 45%, reflecting operational efficiency
- GNPA remained stable at 1.1% with PCR at 43.3%
*this image is generated using AI for illustrative purposes only.
Capri Global Capital Limited reported a 74% year-on-year surge in net profit for Q1FY27, reaching ₹3,533 crore. The NBFC’s consolidated assets under management (AUM) grew 60% YoY to ₹401,108 crore, supported by strong performance across gold, MSME, and housing loan segments.
The company disclosed these figures in its investor presentation ahead of a meeting scheduled on September 1, 2026. The results reflect improved operating leverage, with the cost-to-income ratio contracting to 45% from 50% in FY26. Net interest margins expanded to 9.6%, up from 8.8% in the previous fiscal year.
Financial Performance
Profit after tax rose sharply from ₹9,491 crore in FY26 to ₹3,533 crore in the quarter alone, indicating accelerated profitability trends. Operating profit reached ₹5,321 crore, representing 6.1% of average total assets, compared to 5.4% in FY26. This expansion was fueled by higher net interest income of ₹7,459 crore and robust non-interest income contributions.
| Metric | Q1FY27 | FY26 | Change |
|---|---|---|---|
| Net Profit After Tax | ₹3,533 crore | ₹9,491 crore | +74% YoY |
| AUM | ₹401,108 crore | ₹366,237 crore | +60% YoY |
| Net Interest Margin | 9.6% | 8.8% | +80 bps |
| Cost-to-Income Ratio | 45% | 50% | -500 bps |
Asset Quality and Portfolio Mix
Asset quality remained stable with gross non-performing assets (GNPA) at 1.1% and net NPAs at 0.6%. The provision coverage ratio stood at 43.3%. Gold loans, which constitute the largest portfolio share at 47.8%, maintained low GNPA levels of 0.4%. MSME loans showed slight improvement with GNPA at 3.1%, down from 4.0% in FY24.
What the Numbers Show
Non-interest income emerged as a critical growth driver, contributing significantly to overall earnings. Co-lending income alone accounted for 43% of total non-interest income in Q1FY27, rising from 27% in FY24. This shift highlights Capri Global’s successful strategy to diversify revenue streams beyond traditional interest spreads, reducing dependency on core lending yields while enhancing return on equity metrics.
Balance Sheet Strength
The company maintained a comfortable capital adequacy ratio (CRAR) of 24.7%, well above the regulatory minimum of 15%. Consolidated borrowings increased to ₹276,297 crore, with a diversified lender base including 40 financial institutions. The debt-to-equity ratio remained manageable at 3.7x, supporting further growth initiatives without compromising liquidity.
Historical Stock Returns for Capri Global Capital
| 1 Day | 5 Days | 1 Month | 6 Months | 1 Year | 5 Years |
|---|---|---|---|---|---|
| -0.59% | +9.45% | +10.36% | +60.61% | +38.36% | +113.41% |
How sustainable is the 9.6% net interest margin given potential future shifts in the broader interest rate environment?
What specific strategies is Capri Global Capital pursuing to maintain its 60% AUM growth trajectory in a potentially saturated market?
Could the heavy reliance on co-lending for non-interest income expose the company to increased counterparty risks from partner banks?
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