CP Capital Limited reported strong financial performance for Q1 FY2027 with significant growth across key metrics on both standalone and consolidated bases.

Financial Performance (Standalone)

  • Revenue: ₹19.4 Cr in Q1 FY27, up 46% from ₹13.3 Cr in Q4 FY26
  • EBITDA: ₹18.0 Cr in Q1 FY27, up 65% from ₹10.9 Cr in Q4 FY26
  • PAT: ₹11.5 Cr in Q1 FY27, up 102% from ₹5.7 Cr in Q4 FY26
  • EPS: ₹6.32 in Q1 FY27, up 102% from ₹3.12 in Q4 FY26

Financial Performance (Consolidated)

  • Revenue: ₹21.9 Cr in Q1 FY27, up 18% from ₹18.6 Cr in Q1 FY26
  • EBITDA: ₹20.5 Cr in Q1 FY27, up 36% from ₹14.9 Cr in Q1 FY26
  • PAT: ₹13.3 Cr in Q1 FY27, up 46% from ₹9.1 Cr in Q1 FY26
  • EPS: ₹7.32 in Q1 FY27, up 46% from ₹5.02 in Q1 FY26

Asset Quality Improvement

  • Gross Loan Book: Reduced to ₹394.2 Cr as of 30 June 2026 from ₹442.12 Cr as of 31 March 2026
  • Gross NPA: Significantly reduced to ₹35.21 Cr (8.9% ratio) from ₹79.90 Cr (18.76% ratio) - a 50.3% reduction quarter-on-quarter
  • Provision on NPA: ₹6.50 Cr as of 30 June 2026 compared to ₹50.30 Cr as of 31 March 2026
  • Net NPA Ratio: 7.3% as of 30 June 2026 compared to 6.7% as of 31 March 2026
  • Collateral Coverage: ₹35.17 Cr of NPA (99.90% of total gross NPA) is secured by collateral valued at ₹87.7 Cr, representing approximately 2.5x coverage

Leverage Position

  • Debt-to-Equity Ratio: Improved to 0.14x as of 30 June 2026 from 0.16x as of 31 March 2026
  • The conservative capital structure provides continued headroom to scale the loan book through incremental borrowing

Loan Book Composition (Standalone as of 30 June 2026)

  • Loan Against Property (LAP): 48% of portfolio - Secured lending backed by residential/commercial property collateral
  • Unsecured Business Loan: 43% of portfolio - Working-capital funding for MSME and small-business borrowers
  • Trade Finance: 9% of portfolio - Trade finance for wholesale market participants

Additional Information

  • EPS computed on 1,81,92,900 equity shares of ₹10 face value each
  • EBITDA calculation: Profit Before Tax + Depreciation & Amortisation + Finance Costs
  • The document contains forward-looking statements and disclaimers regarding investment advice