Capri Global Capital Limited (CGCL) Fair Value & Analysis
Financial Services · IN · Market cap ₹209B (≈ $2.2B) · ISIN INE180C01026
What is Capri Global Capital Limited really worth?
Below-average quality, and trading another 330% above our fair value of ₹65.08.
Strengths
Risks
For context
Fair value as of: Aug 19, 2026
From 13 valuation models · updated 17 days ago
Share price +17.5% over the past month.
What runs behind every stock
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 ₹279.90 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.
Analysis
Capri Global Capital Limited (CGCL) currently trades at ₹279.90, while our model-based Fair Value estimate is ₹65.08, implying the stock looks roughly 330.1% 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 ₹279.90 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
Our scenario range runs from ₹57.02 (bear case) to ₹136.26 (bull case); at ₹279.90, 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 85% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −48% fair-value upside, at −77%, CGCL screens richer than that median.
Fair Value models
This estimate rests on fiscal year 2026 figures, and about 5 months have passed since. In that time the company retained roughly ₹4.26 per share, which is 6.5 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced 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. Every input is real reported data, nothing guessed.
All 13 models by family
Widest divergence: Earnings-Based (₹345.27) versus Dividend Discount (₹3.44). Highest evidence: Growth DCF (73).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 19, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 47 · Market factors (momentum, volatility) 88
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.
of which total revenue +36.1 % · buybacks/dilution −4.8 %
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).
CGCL screens 330% overvalued. Compare with Visa Inc →
Peer Group
Credit Services · 324 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
Strength profile in five axes (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.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Aug 19, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $379.66 | $198.27 | −48% |
| Mastercard Incorporated MA | $591.73 | $221.87 | −63% |
| American Express Company AXP | $334.16 | $206.40 | −38% |
| Capital One Financial Corporation COF | $215.67 | $117.51 | −46% |
| Bajaj Finance Limited BAJFINANCE | ₹1,093 | ₹397.70 | −64% |
| PayPal Holdings PYPL | $61.47 | $77.12 | +25% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,134 | ₹553.82 | −51% |
| Synchrony Financial, SYF | $78.05 | $137.28 | +76% |
| SoFi Technologies, Inc SOFI | $18.06 | $5.02 | −72% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,866 | ₹796.47 | −57% |
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