Capri Global Capital (531595) Q2 26/27 earnings summary

Executive summary

• Q2 FY27 AUM reached ₹438,785 million, up 62% YoY; net profit rose 77% to ₹4,183.33 million.

• H1 FY27 net profit grew 88% YoY to ₹7,717.14 million; cost-to-income improved to 42.6% from 48.1%.

• Joint statutory auditors issued unmodified limited-review conclusions on the standalone and consolidated results.

Financial highlights

• Q2 net interest income was ₹8,125 million, up 69% YoY; non-interest income was ₹2,730 million, up 34%, and total income was ₹10,854 million.

• Q2 operating profit rose 84% YoY to ₹6,363 million; profit before tax was ₹5,569.66 million and net profit ₹4,183.33 million.

• Q2 operating expenses rose 33% YoY to ₹4,492 million; provisions were ₹793.09 million, including ₹582 million in write-offs.

• H1 total income grew 61% YoY to ₹20,359 million and operating profit rose 78% to ₹11,683 million.

Outlook and guidance

• FY27 guidance remains AUM of ₹50,000 crore and PAT of ₹1,600 crore; FY28 AUM target is ₹650 billion, with FY31 target of ₹1,250 billion+.

• Targets include 28%–30% AUM CAGR, ROAE of 19%–21% and ROAA of 4.2%–4.7%.

• Plans include 750–800 branch additions over two years, technology and AI deployment, product diversification and broader co-lending partnerships.