Capri Global Capital Limited (CGCL) Fair Value & Analysis
Financial Services · IN · Market cap ₹209B
Fair value as of: Aug 2, 2026
From 13 valuation models · updated 11 days ago
Share price −10.9% over the past month.
Below-average quality, and screening another 72% overvalued on our models.
What matters now
- The price sits above even our optimistic bull case (₹136.26). The favourable scenario is already priced in.
- Solid but not exceptional quality (46/100) and above fair value, neither a clear bargain nor a standout compounder.
- A fairly wide model range (₹57.02 to ₹136.26) leaves room in how you read the outcome.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 2, 2026.
How to read this chart
60‑month range ₹71.24 – ₹288.74 · fair‑value band ₹57.02 – ₹136.26 · the ₹228.75 price screens above the ₹65.08 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 2, 2026.
Analysis
Capri Global Capital Limited (CGCL) currently trades at ₹228.75, while our model-based Fair Value estimate is ₹65.08, implying the stock looks roughly 71.6% overvalued today. The Quality Score stands at 46/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, Capri Global Capital Limited generated revenue of ₹28.2B at a net margin of 33.6%. Revenue grew 72.0% year over year. It earns a return on equity of 16.5%. Net debt stands at ₹220B. Fundamentals as of Aug 2, 2026
Our scenario range runs from ₹57.02 (bear case) to ₹136.26 (bull case); at ₹228.75, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 51% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -41% fair-value upside, at -72%, CGCL screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 13 models by family
Widest divergence: Earnings-Based (₹345.27) versus Dividend Discount (₹3.44). Highest evidence: Growth DCF (80).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 2, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 47 · Market factors (momentum, volatility) 78
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Capri Global Capital Limited, a non-banking financial company, provides financial services in India. It offers home loans; micro, small, and medium enterprises (MSME) loans; construction finance for real estate developers; small business loans for women; emergency credit line guarantee scheme for businesses and MSMEs; and gold loans, as well as indirect …
Full company description
Capri Global Capital Limited, a non-banking financial company, provides financial services in India. It offers home loans; micro, small, and medium enterprises (MSME) loans; construction finance for real estate developers; small business loans for women; emergency credit line guarantee scheme for businesses and MSMEs; and gold loans, as well as indirect lending and car loan distribution services. Capri Global Capital Limited was formerly known as Money Matters Financial Services Limited and changed its name to Capri Global Capital Limited in July 2013. The company was incorporated in 1994 and is based in Mumbai, India.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
Capri Global Capital Limited reported revenue of ₹47.4B in FY2026 versus ₹8.9B in FY2022, a compound +52.1%/yr. Reported net income was ₹9.5B in FY2026, compounding +46.7%/yr from FY2022.
of which total revenue +36.1 pp · buybacks/dilution −6.6 pp
Absolute contributions in percentage points per year; they sum to the EPS growth rate. Start and end points are 3-year averages (details on hover).
CGCL screens 72% overvalued. Compare with Visa Inc →
Peer Group
Credit Services · 334 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Credit Services median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Aug 2, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $348.97 | $204.19 | -41% |
| Mastercard Incorporated MA | $537.70 | $221.87 | -59% |
| American Express Company AXP | $358.44 | $206.40 | -42% |
| Bajaj Finance Limited BAJFINANCE | ₹1,056 | ₹397.61 | -62% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,024 | ₹553.83 | -46% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,808 | ₹796.52 | -56% |
| Tata Capital Limited TATACAP | ₹360.60 | ₹229.85 | -36% |
| Power Finance Corporation PFC | ₹405.10 | ₹810.20 | +100% |
| Muthoot Finance Limited MUTHOOTFIN | ₹3,129 | ₹3,463 | +11% |
| Indian Railway Finance Corporation IRFC | ₹88.41 | ₹69.72 | -21% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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