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Capri Global Capital (531595) investor relations material
Capri Global Capital Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary31 Oct, 2025
Executive summary
Achieved highest ever quarterly profit in Q2 FY26, with PAT up 143% year-on-year to ₹2,360 mn, driven by strong growth across all lending segments and robust operational execution.
AUM grew 40% year-on-year to ₹270,401 mn in Q2FY26, with net interest income up 57% year-on-year and non-interest income nearly doubling.
Cost-to-income ratio improved to 49% from 64% in Q2 FY25, and asset quality strengthened with NNPA at 0.7%.
Branch network expanded to 1,224 locations, with 86 net additions in the quarter, supporting pan-India growth ambitions.
Board approved unaudited standalone and consolidated financial results for the quarter and half year ended September 30, 2025, with an unmodified auditor review opinion.
Financial highlights
Consolidated AUM reached ₹270,401 mn, up 40% year-on-year as of September 30, 2025; net interest income for Q2 FY26 was ₹4,800 mn, up 57% year-on-year.
Non-interest income grew 97% year-on-year to ₹2,030 mn, contributing 29.8% of net total income.
Pre-provision operating profit surged 137% year-on-year to ₹3,450 mn; PAT rose 143% year-on-year to ₹2,360 mn.
Cost-to-income ratio improved to 49% in Q2 FY26 from 64% in Q2 FY25.
Consolidated net profit for H1 FY26 was ₹4,108.99 mn, compared to ₹1,727.07 mn in H1 FY25.
Outlook and guidance
Targeting 25%-30% annualized AUM growth and sustainable ROE of 16%-18% and ROA of 4%-4.5% by FY2028.
FY26 AUM guidance revised upward to ₹320,000 mn, with PAT expected at ₹8,500 mn; FY27 AUM target at ₹420,000 mn and PAT at ₹12,000 mn.
Branch expansion to continue, with gold loan branches expected to reach 995 by March 2026 and total network to add about 200 branches in next two quarters.
Strategic focus on product diversification, geographic expansion, and leveraging technology for operational excellence.
Recent capital raise via QIP of ₹20,000 mn in June 2025 and new NCD issuance of ₹4,000 mn in September 2025 to support growth.
Future branch expansion strategy and mix
Long-term co-lending strategy and ROE impact
MSME asset quality strategy post ARC sale?
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Next Capri Global Capital earnings date
Q3 20262 Feb, 2026
Next Capri Global Capital earnings date
Q3 20262 Feb, 2026
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