CSL Finance Ltd

CSL Finance Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

CSL Finance Ltd

₹ 257 0.39%
09 Feb - close price
cslfinance.in BSE: 530067 NSE: CSLFINANCE
About

Incorporated in 1992, CSL Finance Ltd provides finance facilities to SME business and Wholesale
business[1]

Key Points

Business Overview:[1]
CSL is a NBFC giving Small and Medium-Sized Enterprises and corporations secured loan.
As of 9MFY25, it has presence in 7 states & 43 Branches, with an AUM of Rs.1,150 crore[2]

Website BSE NSE
  • Market Cap ₹ 588 Cr.
  • Current Price ₹ 257
  • High / Low ₹ 380 / 227
  • Stock P/E 7.21
  • Book Value ₹ 255
  • Dividend Yield 1.17 %
  • ROCE 14.6 %
  • ROE 14.2 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 1.01 times its book value
  • Company has delivered good profit growth of 26.3% CAGR over last 5 years

Cons

  • Promoter holding has decreased over last 3 years: -3.77%

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

Part of BSE Allcap BSE Financial Services

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Quarterly Results

Figures in Rs. Crores

Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025
27 31 34 35 38 45 47 51 54 53 57 59 64
Interest 5 7 9 9 9 11 13 14 16 17 18 18 21
7 8 8 8 9 10 10 12 14 14 13 13 14
Financing Profit 15 16 17 18 20 24 23 25 25 23 25 28 29
Financing Margin % 56% 52% 49% 52% 53% 53% 50% 48% 46% 42% 45% 47% 46%
0 0 0 0 0 0 0 0 0 0 0 0 0
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 1
Profit before tax 15 16 16 18 20 24 23 25 25 23 25 28 29
Tax % 26% 25% 28% 27% 27% 30% 21% 25% 28% 26% 24% 23% 15%
11 12 12 13 15 17 19 18 18 17 19 21 24
EPS in Rs 5.40 5.74 5.74 6.39 6.50 7.34 8.15 8.12 7.83 7.36 8.33 9.36 10.74
Gross NPA % 0.83% 0.72% 0.61% 0.75% 0.55% 0.40% 0.44% 0.45% 0.54% 0.38% 0.46% 0.56% 0.51%
Net NPA % 0.48% 0.42% 0.35% 0.43% 0.32% 0.23% 0.25% 0.26% 0.32% 0.23% 0.34% 0.42% 0.39%
Raw PDF
Upcoming result date: 13 February 2026

Profit & Loss

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
115 93 44 40 41 58 61 62 75 117 166 216 233
Interest 1 1 1 3 6 12 11 7 11 27 43 65 74
104 80 25 13 9 11 18 15 19 28 37 52 54
Financing Profit 10 12 18 24 26 35 32 40 45 62 86 98 105
Financing Margin % 9% 13% 41% 59% 63% 60% 53% 65% 61% 53% 52% 46% 45%
0 1 0 0 0 0 0 0 0 0 1 0 1
Depreciation 0 0 0 0 0 1 1 1 1 1 1 2 2
Profit before tax 10 12 18 24 26 34 32 39 45 62 86 97 104
Tax % 28% 35% 29% 31% 30% 30% 29% 30% 25% 26% 26% 26%
7 8 13 16 18 24 22 28 33 46 63 72 82
EPS in Rs 5.14 5.71 9.33 11.73 10.21 12.86 12.15 14.88 16.13 22.01 27.81 31.64 35.79
Dividend Payout % 0% 0% 0% 3% 5% 5% 7% 7% 15% 11% 9% 9%
Compounded Sales Growth
10 Years: 9%
5 Years: 29%
3 Years: 42%
TTM: 18%
Compounded Profit Growth
10 Years: 25%
5 Years: 26%
3 Years: 29%
TTM: 14%
Stock Price CAGR
10 Years: 28%
5 Years: 23%
3 Years: 2%
1 Year: -8%
Return on Equity
10 Years: 13%
5 Years: 13%
3 Years: 14%
Last Year: 14%

Balance Sheet

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Sep 2025
Equity Capital 5 5 5 5 6 6 6 6 20 20 22 22 22
Reserves 73 81 94 110 178 205 226 253 301 342 452 519 558
Borrowing 4 2 9 31 102 124 98 84 206 410 505 697 797
2 3 3 4 2 1 2 4 5 6 6 6 13
Total Liabilities 83 90 110 149 288 336 332 348 532 779 985 1,245 1,391
1 0 1 1 1 4 3 3 6 8 8 9 9
CWIP 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 15 8 1 0 0 0 0 0 0 0 0 0 0
68 81 109 148 286 332 329 345 526 771 978 1,236 1,382
Total Assets 83 90 110 149 288 336 332 348 532 779 985 1,245 1,391

Cash Flows

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
6 -3 -19 -13 -109 -15 33 22 -158 -166 -128 -172
4 7 12 4 -1 -1 -0 -0 -4 -2 -1 -2
-9 -3 6 18 102 23 -27 -17 157 196 143 184
Net Cash Flow 1 0 -1 9 -8 7 5 5 -5 27 14 10

Ratios

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 10% 9% 14% 15% 12% 12% 10% 11% 12% 13% 15% 14%

Shareholding Pattern

Numbers in percentages

2 Recently
Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
51.33% 51.46% 47.71% 47.71% 47.71% 47.43% 47.43% 47.49% 47.56% 47.56% 47.56% 47.56%
0.00% 0.02% 0.04% 1.48% 2.22% 2.54% 2.51% 2.47% 0.83% 0.79% 0.77% 0.62%
0.00% 1.01% 1.22% 1.23% 1.23% 1.23% 1.23% 0.13% 0.56% 0.91% 0.96% 1.34%
46.28% 45.65% 49.43% 48.05% 47.32% 47.36% 47.40% 48.47% 49.62% 49.46% 49.41% 49.19%
2.38% 1.85% 1.59% 1.53% 1.52% 1.44% 1.44% 1.44% 1.44% 1.30% 1.30% 1.30%
No. of Shareholders 3,9004,4055,5175,9417,0577,6068,6499,2789,1858,8818,8498,520

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

Click on the line-items to see the names of individual entities.

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