CGCL- Press Release Q4FY25_Results
Awaiting price reaction for this filing.
Capri Global Capital (CGCL), a non-deposit taking NBFC, posted strong Q4FY25 results with consolidated AUM rising 46% YoY to Rs 22,857 crore and disbursements up 41% YoY to Rs 8,389 crore. Gold Loans drove retail growth, surging 130% YoY, while Affordable Housing grew 23.6% YoY and Construction Finance climbed 57.7% YoY. Consolidated quarterly PAT more than doubled to Rs 178 crore (up 115% YoY and 39% QoQ), and full-year FY25 PAT grew 71% YoY to Rs 479 crore, helped by spread expansion to 7.8%, a sharp drop in cost-to-income ratio to 54.8% (from 70.5%), and RoAE improving to 16.9%. Asset quality strengthened with Gross Stage 3 falling to 1.5% and credit cost improving to 0.63% of loans for FY25, while Capital Adequacy remained comfortable at 22.8%. The management guided for Rs 50,000 crore in AUM and RoAE of 16–18% by FY28.
Strong beat across growth, profitability, and asset quality metrics is likely to be viewed positively by investors. The combination of improving spreads, lower credit costs, and rising fee income supports the earnings outlook, while the FY28 AUM and RoAE targets signal management confidence in sustained momentum.