CSL Finance Ltd

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

₹ 206 -3.22%
15 Oct 3:50 p.m.
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 ₹ 469 Cr.
  • Current Price ₹ 206
  • High / Low ₹ 325 / 200
  • Stock P/E 5.39
  • Book Value ₹ 273
  • Dividend Yield 1.47 %
  • ROCE 14.5 %
  • ROE 14.9 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.76 times its book value
  • Company has delivered good profit growth of 25.8% CAGR over last 5 years
  • Promoter holding has increased by 1.01% over last quarter.
  • Company's median sales growth is 20.0% of last 10 years

Cons

* 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 Financial Services

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Quarterly Results

Figures in Rs. Crores

Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
35 38 45 47 51 54 53 57 59 64 64 69 70
Interest 9 9 11 13 14 16 17 18 18 21 22 23 24
8 9 10 10 12 14 14 13 13 14 17 15 16
Financing Profit 18 20 24 23 25 25 23 25 28 29 26 31 30
Financing Margin % 52% 53% 53% 50% 48% 46% 42% 45% 47% 46% 40% 44% 43%
0 0 0 0 0 0 0 0 0 0 0 0 0
Depreciation 0 0 0 0 0 0 0 0 0 1 1 1 1
Profit before tax 18 20 24 23 25 25 23 25 28 29 25 30 30
Tax % 27% 27% 30% 21% 25% 28% 26% 24% 23% 15% 18% 36% 25%
13 15 17 19 18 18 17 19 21 24 21 19 22
EPS in Rs 6.39 6.50 7.34 8.15 8.12 7.83 7.36 8.33 9.36 10.74 9.18 8.52 9.72
Gross NPA % 0.75% 0.55% 0.40% 0.44% 0.45% 0.54% 0.38% 0.46% 0.56% 0.51% 1.00% 1.10% 0.95%
Net NPA % 0.43% 0.32% 0.23% 0.25% 0.26% 0.32% 0.23% 0.34% 0.42% 0.39% 0.75% 0.81% 0.60%
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
93 44 40 41 58 61 62 75 117 166 216 256 267
Interest 1 1 3 6 12 11 7 11 27 43 65 84 89
80 25 13 9 11 18 15 19 28 37 52 59 62
Financing Profit 12 18 24 26 35 32 40 45 62 86 98 114 115
Financing Margin % 13% 41% 59% 63% 60% 53% 65% 61% 53% 52% 46% 45% 43%
1 0 0 0 0 0 0 0 0 1 0 -0 1
Depreciation 0 0 0 0 1 1 1 1 1 1 2 2 2
Profit before tax 12 18 24 26 34 32 39 45 62 86 97 112 114
Tax % 35% 29% 31% 30% 30% 29% 30% 25% 26% 26% 26% 23%
8 13 16 18 24 22 28 33 46 63 72 86 87
EPS in Rs 5.71 9.33 11.73 10.21 12.86 12.15 14.88 16.13 22.01 27.81 31.64 37.80 38.16
Dividend Payout % 0% 0% 3% 5% 5% 7% 7% 15% 11% 9% 9% 26%
Compounded Sales Growth
10 Years: 19%
5 Years: 33%
3 Years: 30%
TTM: 19%
Compounded Profit Growth
10 Years: 21%
5 Years: 26%
3 Years: 24%
TTM: 16%
Stock Price CAGR
10 Years: 11%
5 Years: 6%
3 Years: -16%
1 Year: -25%
Return on Equity
10 Years: 13%
5 Years: 14%
3 Years: 15%
Last Year: 15%

Balance Sheet

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 5 5 5 6 6 6 6 20 20 22 22 22
Reserves 81 94 110 178 205 226 253 301 342 452 519 599
Borrowing 2 9 31 102 124 98 84 206 410 505 695 856
3 3 4 2 1 2 4 5 6 6 8 10
Total Liabilities 90 110 149 288 336 332 348 532 779 985 1,245 1,488
0 1 1 1 4 3 3 6 8 8 9 8
CWIP 0 0 0 0 0 0 0 0 0 0 0 0
Investments 8 1 0 0 0 0 0 0 0 0 0 0
81 109 148 286 332 329 345 526 771 978 1,236 1,479
Total Assets 90 110 149 288 336 332 348 532 779 985 1,245 1,488

Cash Flows

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-3 -19 -13 -109 -15 33 22 -158 -166 -128 -102 -57
7 12 4 -1 -1 -0 -0 -4 -2 -1 -9 -1
-3 6 18 102 23 -27 -17 157 196 143 121 70
Net Cash Flow 0 -1 9 -8 7 5 5 -5 27 14 10 13
Free Cash Flow -3 -19 -14 -109 -17 33 22 -162 -169 -129 -104 -58
CFO/OP -1% -71% -21% -308% -10% 98% 69% -261% -169% -80% -46% -14%

Ratios

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 9% 14% 15% 12% 12% 10% 11% 12% 13% 15% 14% 15%

Insights

In beta
Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Assets Under Management (AUM)
₹ Crore

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Branch Network
#
Active SME Retail Loan Accounts
#
Active Wholesale Loan Accounts
#
Disbursements
₹ Crore
AUM Mix - SME Retail (% of AUM)
%
Team Strength
#
Active Lender Relationships
#

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

34 Recently
Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
47.71% 47.71% 47.43% 47.43% 47.49% 47.56% 47.56% 47.56% 47.56% 47.66% 48.16% 49.17%
1.48% 2.22% 2.54% 2.51% 2.47% 0.83% 0.79% 0.77% 0.62% 0.16% 0.10% 0.09%
1.23% 1.23% 1.23% 1.23% 0.13% 0.56% 0.91% 0.96% 1.34% 2.90% 3.54% 3.11%
48.05% 47.32% 47.36% 47.40% 48.47% 49.62% 49.46% 49.41% 49.19% 47.98% 46.90% 46.34%
1.53% 1.52% 1.44% 1.44% 1.44% 1.44% 1.30% 1.30% 1.30% 1.30% 1.30% 1.30%
No. of Shareholders 5,9417,0577,6068,6499,2789,1858,8818,8498,5208,2268,3429,305

* 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.

Documents

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