Capri Global Capital Limited (CGCL) fair value: what the stock is really worth
We calculate from audited financials what Capri Global Capital Limited is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily, free.
Compare price with fair valuebelow fair value = cheap, above = expensive
Check the quality50 and up solid, 75 and up strong
Watch it or check another stockalert when fair value or trend changes
Financial Services · IN · Market cap ₹255B (≈ $2.7B) · ISIN INE180C01026
At a glance
CGCapri Global Capital LimitedCGCL · NSE
Price₹272.40
Fair Value₹65.08
Upside−76.1%
Quality46/100
Below-average quality, and trading another 319% above our fair value of ₹65.08.
As of Aug 19, 2026, the fair value of Capri Global Capital Limited is ₹65.08 per share against a price of ₹272.40, so the fair value sits 76% below the price. A model estimate from reported figures, not an analyst target.
✓Healthy Growth (revenue 5y +47.9 %/yr)
✓Highly profitable · 33.6% net margin
!High debt · generates free cash flow
·0.07% dividend yield
!Mixed vs. peers (6/14)
✓Wide moat 73/100
!The models disagree: range ₹57.02 to ₹136.26
!Weak on dividend: 1 out of 100
Evidence: HighRange ₹57.02 to ₹136.26
Fair value as of: Aug 19, 2026
From 13 valuation models · updated 22 days ago
Share price +17.2% over the past month.
This is the short version. In the app for Capri Global Capital Limited:
Watch Capri Global Capital Limited for free, get notified when fair value or trend changes. Plus fair value for all 35,000+ stocks, 14 days of Pro free, no card.Watch for free
69 individual criteria per stock, every one traceable See the method →
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 19, 2026.
How to read this chart
60‑month range ₹83.27 – ₹288.74 · fair‑value band ₹57.02 – ₹136.26 · the ₹272.40 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 19, 2026.
Capri Global Capital Limited (CGCL) currently trades at ₹272.40, while our model-based Fair Value estimate is ₹65.08, implying the stock looks roughly 318.6% overvalued today. The Quality Score stands at 46/100 (below-average quality), in the Financial Services sector. Bull case: the Earnings-Based group reads highest at a median of ₹345.27 per share, and 2 of the 12 models we run sit above the ₹272.40 price. Bear case: the Asset-Based group reads lowest at ₹50.16, and 10 of the 12 models stay below the price. Evidence for this calculation is 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 19, 2026
Scenario range: ₹57.02 (bear) to ₹136.26 (bull), the price of ₹272.40 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target. The share trades near its 52-week high and 80% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −47% fair-value upside, at −76%, CGCL screens richer than that median.
Fair Value models
Based on fiscal year 2026 figures (about 5 months old). Earnings retained since then (₹4.40 per share) are deliberately not added.
Each model values the company its own way; the fair value above is the evidence-weighted blend. Evidence (0 to 100) shows how complete a model's inputs are. How we calculate →
ModelBear ⓘ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.Evidence
Free, no payment details. Unsubscribe anytime in one click.
Key figures & financial health
P/E ratio26.9
P/S ratio5.39P/E × margin
EPS (TTM)₹10.11price ÷ EPS = P/E 26.9
Dividend yield0.1%payout 2.0%
Net margin20.0%FY2026
Return on equity16.5%TTM
More key figures
Profitability
Return on assets (EBIT)3.1%avg 5y
Operating margin40.0%TTM
Growth
Revenue (TTM)₹28.2BTTM
Revenue growth (YoY)+72.0%3y avg +52.9%
EPS growth (YoY)+37.1%
Balance sheet & cash flow
Free cash flow₹12.3BFY2026
Net debt₹220BFY2026 · ≈ 17.9 yrs of FCF
Figures from reported company fundamentals · as of Aug 19, 2026. TTM = trailing twelve months.
Quality Score breakdown
Overall quality46/100
Of which business quality 47
· Market factors (momentum, volatility) 85
Profitability37
Margins and returns on capital today
Quality Growth77
Are margins and returns improving?
Cashflow87
Earnings quality: real cash, not paper profit
Fin. Strength36
Balance sheet, leverage, solvency risk
Investment33
Disciplined investing over empire-building
Low Volatility77
Calm price path (market factor)
Momentum87
Price trend over the last 3–12 months (market factor)
52W Momentum91
Distance to the 52-week high (market factor)
Net Issuance0
Buybacks instead of dilution
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.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
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.
Growth Quality 100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Latest Revenue (FY 2026)
₹47.4B
Latest YoY
+63.3%
Avg. revenue growth/yr (3Y) ⓘ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.
+52.9%
Avg. revenue growth/yr (5Y) ⓘ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.
+47.9%
Avg. revenue growth/yr (18Y) ⓘ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.
+42.8%
Value creation/yr (5Y, in INR) ⓘEarnings growth per share (CAGR 5 years) plus dividend yield: value created per share and year. 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.
≈ +33.8%
Earnings growth per share plus dividend yield: the value created per share and year.
Earnings growth per share+33.7%
Dividend yield0.1%
Trend ⓘ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.5Y 33.7% vs 10Y 22.9%, picking up
Operating margin (EBIT) ⓘ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.39.0% (2019) → 17.6% (2025) · falling
Worst earnings drop68% (2012) · in INR
⚠ Final year 2026 sits 201% above trend (one-off), rate approximate
Revenue+52.1%/yr
FY22₹8.9B
FY23₹13.3B
FY24₹20.8B
FY25₹29.0B
FY26₹47.4B
Net income+46.7%/yr
FY22₹2.1B
FY23₹2.0B
FY24₹2.8B
FY25₹4.8B
FY26₹9.5B
Character of growth · EPS growth decomposed (2015-2026)+21.0 % p.a.
Revenue per share+29.6 %
of which total revenue +36.1 % · buybacks/dilution −4.8 %
EBIT margin−8.7 %
Tax rate+1.6 %
Residual (interest, one-offs)+0.7 %
Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Capri Global Capital Limited Fair Value". https://www.fairvalue-calculator.com/stock/CGCL
Peer Group
Credit Services · 330 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
Quality Score48 · Below median
Fair Value upside−77% · Bottom 25%
Profitability
Return on equity (TTM)17% · Top 25%
Return on assets4% · Above median
Net margin (TTM)34% · Above median
Operating margin (TTM)40% · Above median
Growth and dividend
Revenue growth72% · Top 25%
Dividend yield (TTM)0.1% · Bottom 25%
Balance sheet
Debt / equity3.35× · Highest 25%
Valuation Multiples vs Credit Services median · lower = cheaper
P/E (TTM)26.9× · Priciest 25%
P/B2.91× · Priciest 25%
P/S (TTM)7.41× · Priciest 25%
P/FCF0.2× · Cheaper than median
EV/EBITDA31.4× · Priciest 25%
What the price implies (reverse DCF)
The inverse question: what free-cash-flow growth must Capri Global Capital Limited deliver for ten years so that today's price is fair in our DCF model? Same formula, same discount rate as the fair value.
Implied FCF growth, 10 years+23.3 % per year
Achieved revenue growth, 5 years+47.9 % p.a.
Sector median revenue growth+8.1 %
FCF yield on price4.80 %
Discount rate (WACC) in the models12.4 %
The price demands less growth than the company recently delivered: even a weaker business would justify the price. Ranking of the largest stocks →
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.
This stockSector peers
VALUE0· sector 34
FUTURE100· sector 41
PAST66· sector 32
HEALTH0· sector 59
DIVIDEND1· sector 57
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.
None of the checked exposures detected
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Aug 19, 2026).
Is Capri Global Capital Limited (CGCL) overvalued or undervalued?
As of Aug 19, 2026, our model estimates a fair value of ₹65.08 versus a price of ₹272.40, about −76% upside (overvalued).
What is the fair value of CGCL?
Our model-based fair value for Capri Global Capital Limited is ₹65.08 (as of Aug 19, 2026), built from audited fundamentals. The current price: ₹272.40.
What is the quality score of CGCL?
Capri Global Capital Limited has a Quality Score of 46/100. 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 ₹65.08 (as of Aug 19, 2026) from 13 valuation models. Cautious scenario ₹57.02, optimistic scenario ₹136.26. 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 ₹65.08, about −76% upside versus a price of ₹272.40 (overvalued). Cautious scenario ₹57.02, optimistic scenario ₹136.26. 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 ₹28.2B (latest available figure, as of Aug 19, 2026).
What is the net profit margin of CGCL?
The net profit margin of Capri Global Capital Limited is about 33.6%, meaning it keeps roughly 33.6% of revenue as net income. Based on the latest reported figures.
Does Capri Global Capital Limited pay a dividend?
Capri Global Capital Limited currently shows a dividend yield of about 0.07% relative to its recent price (as of Aug 19, 2026).
What growth is priced into Capri Global Capital Limited (CGCL)?
For today's price to be fair in a discounted-cash-flow model, Capri Global Capital Limited would have to grow free cash flow by +23.3 % per year for ten years (discount rate 12.4 %, then 2 % perpetual growth). Over the last 5 years revenue grew +47.9 % per year. As of Aug 19, 2026.
What discount rate (WACC) does the fair value of CGCL use?
Our models discount Capri Global Capital Limited at 12.4 %: a base by market capitalisation (mid), country premium for India. The same rate applies in all 26 models.
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 ₹65.08 per share (as of Aug 19, 2026), against a price of ₹272.40. It is the blended result of 13 valuation models (cash flow, earnings, asset, dividend).
Is Capri Global Capital Limited stock overvalued or undervalued in 2026?
As of Aug 19, 2026, CGCL trades above its calculated fair value: price ₹272.40, fair value ₹65.08, a gap of about −76% (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 (₹272.40); the fair value is what the company's own numbers justify (₹65.08). For Capri Global Capital Limited the two are ₹207.32 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 ₹255B (market capitalisation, as of Aug 19, 2026). Per share that is ₹272.40; our models calculate a fair value of ₹65.08 per share.
What do the bullish and bearish scenarios say about CGCL?
Our models span a range for Capri Global Capital Limited: cautious scenario ₹57.02, base ₹65.08, optimistic ₹136.26 per share (as of Aug 19, 2026, price ₹272.40). 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 26.9 (as of Aug 19, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹65.08 is built from several models across several years. Other multiples: P/B 2.9, P/S 7.4, EV/EBITDA 31.4.
How solid is the balance sheet of Capri Global Capital Limited (CGCL)?
Balance-sheet figures for Capri Global Capital Limited (as of Aug 19, 2026): return on equity 16.5%, debt of 3.35 per unit of equity. They feed the Quality Score of 46/100, which measures business quality independently of the share price.
How far is CGCL from its 52-week high?
Capri Global Capital Limited trades at ₹272.40, about 21% below its 52-week high of ₹225.99 and 80% above the low of ₹151.10 (as of Aug 19, 2026). Distance from the high says nothing about value: that is what the fair value of ₹65.08 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 Aug 19, 2026: price ₹272.40, calculated fair value ₹65.08 (−76%), Quality Score 46/100, from 13 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 13 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 ₹65.08, with the spread shown as a cautious and an optimistic scenario.
Free · no account needed
Watch Capri Global Capital Limited in the live analysis
One click puts Capri Global Capital Limited on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
