CSL Finance Ltd

CSL Finance Ltd

₹ 457 -2.94%
12 Apr 4:01 p.m.
About

CSL Finance Limited (CSLFL) (formerly known as Consolidated Securities Limited), incorporated in December 1992, is a non-deposit-taking NBFC headquartered in Delhi. It started its wholesale lending business in 2011 & SME lending in 2017. The company is engaged in lending funds to small and medium-sized businesses engaged in real estate development. [1]
Promotor of the company, Mr. Rohit Gupta, Managing Director has more than 25 years of diverse experience in the field of Merchant Banking, Corporate Finance, Financial Restructuring, Project Finance, Stock Markets, and Secured Lending. [2]

Key Points

Business Verticals

  • Market Cap 1,043 Cr.
  • Current Price 457
  • High / Low 518 / 196
  • Stock P/E 18.4
  • Book Value 193
  • Dividend Yield 0.54 %
  • ROCE 13.7 %
  • ROE 13.4 %
  • Face Value 10.0

Pros

  • Company is expected to give good quarter
  • Company has delivered good profit growth of 20.3% CAGR over last 5 years

Cons

  • Company has a low return on equity of 12.2% over last 3 years.
  • Promoter holding has decreased over last 3 years: -9.36%

* 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

Sector: Finance Industry: Finance & Investments

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Quarterly Results

Figures in Rs. Crores

Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
Revenue 15 17 16 17 19 23 25 27 31 34 35 38 45
Interest 2 2 2 2 3 4 5 5 7 9 9 9 11
4 3 5 5 4 5 6 7 8 8 8 9 10
Financing Profit 9 12 9 10 12 14 14 15 16 17 18 20 24
Financing Margin % 62% 70% 60% 57% 63% 62% 57% 56% 52% 49% 52% 53% 53%
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 0
Profit before tax 9 12 9 10 12 14 14 15 16 16 18 20 24
Tax % 46% 25% 24% 26% 27% 24% 25% 26% 25% 28% 27% 27% 30%
5 9 7 7 9 11 11 11 12 12 13 15 17
EPS in Rs 2.63 4.75 3.79 3.84 4.68 5.18 5.13 5.40 5.74 5.74 6.39 6.50 7.34
Gross NPA % 1.53% 2.11% 2.86% 3.25% 2.96% 1.73% 1.31% 0.83% 0.72% 0.61% 0.75% 0.55% 0.40%
Net NPA % 0.74% 1.19% 1.65% 1.79% 1.68% 0.96% 0.78% 0.48% 0.42% 0.35% 0.43% 0.32% 0.23%
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 TTM
Revenue 231 106 115 93 44 40 41 58 61 62 75 117 153
Interest 2 1 1 1 1 3 6 12 11 7 11 27 39
223 99 104 80 25 13 9 11 18 15 19 28 35
Financing Profit 6 6 10 12 18 24 26 35 32 40 45 62 79
Financing Margin % 3% 6% 9% 13% 41% 59% 63% 60% 53% 65% 61% 53% 52%
-0 -0 0 1 0 0 0 0 0 0 0 0 1
Depreciation 0 0 0 0 0 0 0 1 1 1 1 1 1
Profit before tax 6 6 10 12 18 24 26 34 32 39 45 62 79
Tax % 33% 30% 28% 35% 29% 31% 30% 30% 29% 30% 25% 26%
4 4 7 8 13 16 18 24 22 28 33 46 57
EPS in Rs 3.75 3.21 5.14 5.71 9.33 11.73 10.21 12.86 12.15 14.88 16.13 22.01 25.97
Dividend Payout % 0% 0% 0% 0% 0% 3% 5% 5% 7% 7% 15% 11%
Compounded Sales Growth
10 Years: 1%
5 Years: 23%
3 Years: 24%
TTM: 43%
Compounded Profit Growth
10 Years: 27%
5 Years: 20%
3 Years: 27%
TTM: 27%
Stock Price CAGR
10 Years: 46%
5 Years: 37%
3 Years: 80%
1 Year: 125%
Return on Equity
10 Years: 12%
5 Years: 12%
3 Years: 12%
Last Year: 13%

Balance Sheet

Figures in Rs. Crores

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Sep 2023
Equity Capital 4 4 5 5 5 5 6 6 6 6 20 20 22
Reserves 58 64 73 81 94 110 176 205 226 253 300 341 417
1 12 4 2 9 31 102 124 98 84 206 410 408
4 2 2 3 3 4 3 1 2 4 6 8 24
Total Liabilities 67 83 83 90 110 149 288 336 332 348 532 779 871
1 0 1 0 1 1 1 4 3 3 6 8 8
CWIP 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 7 18 15 8 1 0 0 0 0 0 0 0 0
59 64 68 81 109 148 286 332 329 345 526 771 863
Total Assets 67 83 83 90 110 149 288 336 332 348 532 779 871

Cash Flows

Figures in Rs. Crores

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
4 -4 6 -3 -19 -13 -109 -15 33 22 -158 -166
3 -6 4 7 12 4 -1 -1 -0 -0 -4 -2
-7 10 -9 -3 6 18 102 23 -27 -17 157 196
Net Cash Flow 0 1 1 0 -1 9 -8 7 5 5 -5 27

Ratios

Figures in Rs. Crores

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
ROE % 7% 7% 10% 9% 14% 15% 12% 12% 10% 11% 12% 13%

Shareholding Pattern

Numbers in percentages

1 Recently
Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023
57.36% 57.37% 57.50% 57.50% 51.33% 51.33% 51.33% 51.33% 51.33% 51.46% 47.71% 47.71%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.02% 0.04% 1.48%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 1.01% 1.22% 1.23%
42.06% 42.04% 41.92% 41.92% 46.25% 46.26% 46.25% 46.27% 46.28% 45.65% 49.43% 48.05%
0.58% 0.58% 0.58% 0.58% 2.42% 2.41% 2.41% 2.41% 2.38% 1.85% 1.59% 1.53%
No. of Shareholders 2,1602,8784,3794,6283,8963,5833,9133,9603,9004,4055,5175,941

* 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

Concalls