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Capri Global Capital Limited (CGCL) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of Capri Global Capital Limited ₹76.30, price ₹250, upside -69.4%, quality 30 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? No
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Some data
Sep 24, 2026
Capri Global Capital Limited
CGCL · BSEWeakest SetupStrongly overvalued and low quality.
!Fair value ₹76.30 · Strongly overvalued (−69.4%)
!Quality 30/100
!Expensive Growth (revenue 5y +45.4 %/yr)
✓Highly profitable · 35.0% net margin (TTM)
!High debt · negative free cash flow
!Moderate moat 62/100
!Evidence only medium, so the estimate is less certain
What runs behind every stock
26
valuation models
8 families, DCF to NCAV
37
quality factors
margins, balance sheet, cashflow, debt
6
AI factors
moat, what no ratio measures
2,000+
data points
verified, per stock, median
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range ₹111.28 – ₹288.89 · fair‑value band ₹66.47 – ₹135.79 · the ₹249.50 price screens above the ₹76.30 fair value. Dashed = 300-day average. As of Sep 24, 2026.
Company profile
Capri Global Capital Limited, a non-banking financial company, provides financial services in India.
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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. The company was formerly known as Money Matters Financial Services Limited and changed its name to Capri Global Capital Limited in July 2013. Capri Global Capital Limited was incorporated in 1994 and is based in Mumbai, India.
Stock analysis
Capri Global Capital Limited (CGCL) currently trades at ₹249.50, while our model-based Fair Value estimate is ₹76.30, 69.4% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of ₹345.27 per share, and 2 of the 7 models we run sit above the ₹249.50 price.
Bear case: the Asset-Based group reads lowest at ₹50.16, and 5 of the 7 models stay below the price. Evidence for this calculation is medium.
Scenario range: ₹66.47 (bear) to ₹135.79 (bull), the price of ₹249.50 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 30/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Capri Global Capital Limited reported revenue of ₹43.5B in FY2026 versus ₹8.7B in FY2022, a compound +49.3%/yr. Reported net income was ₹9.5B in FY2026, compounding +46.7%/yr from FY2022.
Key figures
Market cap ₹240B (≈ $2.5B) · P/E ratio 21.3 · P/S ratio 4.64 · EPS (TTM) ₹11.74 · Dividend yield 0.1% · Net margin 21.8% · Return on equity 16.5% · Return on assets (EBIT) 2.8%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (medium confidence).
What moves the price
The share trades about 11% below its 52-week high and 64% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 10% fair-value upside, at −69%, CGCL screens richer than that median.
Fair Value models
Bear ₹66.47
Fair Value ₹76.30
Bull ₹135.79
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2026 figures (about 6 months old). Earnings retained since then (₹5.95 per share) are deliberately not added.
Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.
Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Residual Income
₹70.38
₹85.91
₹125.32
73
Owner Earnings
n/a
₹122.92
>₹491.68
71
P/E Multiple
₹96.18
₹128.24
₹160.30
63
All 7 models by family
DCF Models
Owner Earnings
n/a
₹122.92
>₹491.68
71
Earnings-Based
Graham-Dodd
₹67.08
₹467.81
₹656.51
61
Lynch FV
₹241.69
₹345.27
₹448.85
59
Multiples
P/E Multiple
₹96.18
₹128.24
₹160.30
63
P/B Multiple
₹78.61
₹104.82
₹131.02
55
Asset-Based
NCAV (Graham)
₹37.43
₹50.16
₹74.87
54
Economic Profit
Residual Income
₹70.38
₹85.91
₹125.32
73
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Set up alert →Quality Score breakdown
Overall quality
30/100
Of which business quality 27 · Market factors (momentum, volatility) 76
Profitability
37
Margins and returns on capital today
Quality Growth
65
Are margins and returns improving?
Cashflow
0
Earnings quality: real cash, not paper profit
Fin. Strength
36
Balance sheet, leverage, solvency risk
Investment
33
Disciplined investing over empire-building
Low Volatility
78
Calm price path (market factor)
Momentum
76
Price trend over the last 3–12 months (market factor)
52W Momentum
72
Distance to the 52-week high (market factor)
Net Issuance
0
Share count: buybacks or dilution?
Revenue & earnings trend
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.
62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+44.1%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+47.8%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+45.4%
Start year 2021 (pandemic)
Revenue growth 9 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+38.4%
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What shareholders gained per year (last 5 years), in INR (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip. Measured in INR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
−2.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year−2.8%
Dividend (yield on the price)0.1%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.0.7% vs 11.5%, slowing
Profit margin 2020 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.37% → 24%
2026 sits 70% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Start year 2021 (pandemic)
CGCL screens overvalued: fair value 69% below the price. Compare with Visa Inc →
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Peer Groupⓘ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.Credit Services · 329 stocks
Beats the industry median on 5/12 measures
A mixed picture versus its industry peers.
Valuation Multiplesvs Credit Services median · lower = cheaper
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: Indian Stocks
- Valuation of the India market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
None of the checked exposures detected
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $359.33 | $221.29 | −38% |
| Mastercard Incorporated MA | $551.47 | $359.54 | −35% |
| American Express Company AXP | $304.10 | $208.54 | −31% |
| Capital One Financial Corporation COF | $193.07 | $125.94 | −35% |
| Bajaj Finance Limited BAJFINANCE | ₹948.30 | ₹1,100 | +16% |
| PayPal Holdings PYPL | $53.06 | $104.12 | +96% |
| Shriram Finance Limited SHRIRAMFIN | ₹994.10 | ₹1,364 | +37% |
| Affirm Holdings AFRM | $67.21 | $73.93 | +10% |
| Synchrony Financial, SYF | $71.52 | $141.92 | +98% |
| SoFi Technologies, Inc SOFI | $15.72 | $5.53 | −65% |
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Frequently asked questions
Is Capri Global Capital Limited (CGCL) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of ₹76.30 versus a price of ₹249.50, about −69% upside (overvalued).
What is the fair value of CGCL?
Our model-based fair value for Capri Global Capital Limited is ₹76.30 (as of Sep 24, 2026), built from audited fundamentals. The current price: ₹249.50.
What is the quality score of CGCL?
Capri Global Capital Limited has a Quality Score of 30/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Capri Global Capital Limited (CGCL)?
Our model-based price target is the fair value of ₹76.30 (as of Sep 24, 2026) from 7 valuation models. Cautious scenario ₹66.47, optimistic scenario ₹135.79. It is a calculation from audited fundamentals, not an analyst target.
What is the Capri Global Capital Limited stock forecast for 2026?
Our models put fair value at ₹76.30, about −69% upside versus a price of ₹249.50 (overvalued). Cautious scenario ₹66.47, optimistic scenario ₹135.79. The calculation is refreshed regularly with new filings.
What is the revenue of Capri Global Capital Limited (CGCL)?
Capri Global Capital Limited reported trailing-twelve-month revenue of about ₹32.3B (latest available figure, as of Sep 24, 2026).
Does Capri Global Capital Limited pay a dividend?
Capri Global Capital Limited currently shows a dividend yield of about 0.09% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Capri Global Capital Limited (CGCL)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Capri Global Capital Limited it is ₹76.30 per share (as of Sep 24, 2026), against a price of ₹249.50. It is the blended result of 7 valuation models (cash flow, earnings, asset, dividend).
Is Capri Global Capital Limited stock overvalued or undervalued in 2026?
As of Sep 24, 2026, CGCL trades above its calculated fair value: price ₹249.50, fair value ₹76.30, a gap of about −69% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CGCL?
No. The price is what the market pays today (₹249.50); the fair value is what the company's own numbers justify (₹76.30). For Capri Global Capital Limited the two are ₹173.20 per share apart. That gap is exactly why we show both numbers side by side.
How much is Capri Global Capital Limited worth?
The market values Capri Global Capital Limited at about ₹240B (market capitalisation, as of Sep 24, 2026). Per share that is ₹249.50; our models calculate a fair value of ₹76.30 per share.
What do the bullish and bearish scenarios say about CGCL?
Our models span a range for Capri Global Capital Limited: cautious scenario ₹66.47, base ₹76.30, optimistic ₹135.79 per share (as of Sep 24, 2026, price ₹249.50). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CGCL?
Capri Global Capital Limited trades at a price-to-earnings ratio of 21.3 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹76.30 is built from several models across several years. Other multiples: P/B 3.0, P/S 6.7.
How solid is the balance sheet of Capri Global Capital Limited (CGCL)?
Balance-sheet figures for Capri Global Capital Limited (as of Sep 24, 2026): return on equity 16.5%, debt of 3.35 per unit of equity. They feed the Quality Score of 30/100, which measures business quality independently of the share price.
How far is CGCL from its 52-week high?
Capri Global Capital Limited trades at ₹249.50, about 11% below its 52-week high of ₹280.50 and 64% above the low of ₹152.00 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of ₹76.30 is for.
Which stocks are comparable to Capri Global Capital Limited?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Capri Global Capital Limited stock attractive at the current price?
The data as of Sep 24, 2026: price ₹249.50, calculated fair value ₹76.30 (−69%), Quality Score 30/100, from 7 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CGCL calculated?
We run Capri Global Capital Limited through 7 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of ₹76.30, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Capri Global Capital Limited itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Capri Global Capital Limited (CGCL)?
The closing price on Oct 1, 2026 was ₹249.50. Our model-based fair value is ₹76.30, about −69% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Capri Global Capital Limited right now?
The price sits above even our optimistic bull case (₹135.79). The favourable scenario is already priced in. Weak quality (30/100) and above fair value at the same time, the margin of safety is missing on both counts. A fairly wide model range (₹66.47 to ₹135.79) 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.
Key figures of Capri Global Capital Limited
How large is the market capitalisation of Capri Global Capital Limited (CGCL)?
The market capitalisation of Capri Global Capital Limited is ₹240B (≈ $2.5B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Capri Global Capital Limited (CGCL)?
The price-to-sales ratio of Capri Global Capital Limited is 4.64 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Capri Global Capital Limited (CGCL)?
Earnings per share at Capri Global Capital Limited are ₹11.74 (price ÷ EPS = P/E 21.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Capri Global Capital Limited (CGCL)?
The dividend yield of Capri Global Capital Limited is 0.1% (payout 1.9%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Capri Global Capital Limited (CGCL)?
The net margin of Capri Global Capital Limited is 21.8% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Capri Global Capital Limited (CGCL)?
The return on equity (ROE) of Capri Global Capital Limited is 16.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Capri Global Capital Limited (CGCL)?
On an EBIT basis the return on assets of Capri Global Capital Limited is 2.8% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Capri Global Capital Limited (CGCL)?
The operating margin of Capri Global Capital Limited is 50.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Capri Global Capital Limited (CGCL)?
Revenue at Capri Global Capital Limited is growing +85.8% versus a year earlier (3y avg +47.8%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Capri Global Capital Limited (CGCL)?
Earnings per share at Capri Global Capital Limited are growing +79.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Capri Global Capital Limited (CGCL) generate?
The free cash flow of Capri Global Capital Limited is −₹87.9B (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Capri Global Capital Limited (CGCL) carry?
The net debt of Capri Global Capital Limited is ₹220B (fiscal year 2026). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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