CP Capital Limited Reports Strong Profit Growth and Asset Quality Improvement in Q1 FY27
CP Capital Limited has reported robust growth across its key metrics in the first quarter of fiscal year 2027 (Q1 FY27), demonstrating significant improvements in profitability alongside a marked enhancement in asset quality.On a standalone basis, the company saw Pat increase by 102% to ₹11.5 Cr, while EBITDA grew by 65% to ₹18.0 Cr during Q1 FY27 compared to Q4 FY26. Management also noted a sharp reduction in gross NPA, which fell from ₹79.90 Cr to ₹35.21 Cr, with the majority of NPAs being secured and possessing a 2.5x security coverage.
Financial Performance Overview (Standalone)
The financial performance comparison for CP Capital Limited on a standalone basis between Q4 FY26 and Q1 FY27 is detailed below:| Metric | Q4 FY26 | Q1 FY27 | Growth |
|---|---|---|---|
| Revenue | 13.3 Cr | 19.4 Cr | +46% |
| EBITDA | 10.9 Cr | 18.0 Cr | +65% |
| PAT | 5.7 Cr | 11.5 Cr | +102% |
| EPS (₹) | 3.12 | 6.32 | +102% |
Consolidated Performance
In the consolidated segment, CP Capital Limited demonstrated strong growth in profitability. Revenue grew by 18%, while PAT increased by 46%.The comparative figures for the company's consolidated performance are as follows:
| Metric | Q1 FY26 | Q1 FY27 | Growth |
|---|---|---|---|
| Revenue | 18.6 Cr | 21.9 Cr | +18% |
| EBITDA | 14.9 Cr | 20.5 Cr | +36% |
| PAT | 9.1 Cr | 13.3 Cr | +46% |
| EPS (₹) | 5.02 | 7.32 | +46% |
Asset Quality and Leverage Status
The company exhibited a positive trend in asset quality between March 31, 2026, and June 30, 2026. Gross NPA decreased substantially from ₹79.90 Cr to ₹35.21 Cr, resulting in the Gross NPA Ratio falling to 8.9%.Key metrics related to loan book health and security cover as of June 30, 2026:
| Metric | 31 Mar 2026 | 30 Jun 2026 |
|---|---|---|
| Gross Loan Book (₹ Cr) | 442.12 | 394.2 |
| Gross NPA (₹ Cr) | 79.90 | 35.21 |
| Gross NPA Ratio | 18.76% | 8.9% |
| Provision on NPA (₹ Cr) | 50.30 | 6.50 |
| Net NPA Ratio | 6.7% | 7.3% |
Regarding the security and collateral cover for Gross NPAs, a table details the composition of NPA as of June 30, 2026:
| Category | Amount (₹ Cr) | % of Gross NPA |
|---|---|---|
| Secured NPA | 35.17 | 99.90% |
| Unsecured NPA | 0.04 | 0.10% |
| Total Gross NPA | 35.21 | 100.00% |
The company's capital structure also strengthened, with the Debt-to-Equity ratio improving from 0.16x on March 31, 2026, to 0.14x on June 30, 2026.
Loan Book Composition
As of June 30, 2026, the standalone gross loan book composition by product is as follows:| Product | % of Loan Book | Nature |
|---|---|---|
| Loan Against Property (LAP) | 48% | Secured - residential/commercial property collateral |
| Unsecured Business Loan | 43% | Unsecured - MSME / small-business working capital |
| Trade Finance | 9% | Trade finance for wholesale market participants |
The company has noted that digital lending is intended to become a primary growth lever in the medium term, thereby reducing dependence on branch-led, high operating expenditure origination.
CPCAP Stock Price Movement
As of 3:09 PM, shares of CP Capital Limited are tumbling by 7.80% in live trading, currently priced at ₹129.25 after shedding ₹10.93. The stock trades within its intraday range, remaining above the daily low of ₹126.35 and below the high of ₹142.Disclaimer: Due care and diligence have been taken in compiling and presenting news and market-related content. However, errors or omissions may arise despite such efforts.
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