CSL Finance Ltd
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]
- Market Cap ₹ 1,032 Cr.
- Current Price ₹ 453
- High / Low ₹ 518 / 196
- Stock P/E 18.2
- Book Value ₹ 193
- Dividend Yield 0.55 %
- 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
Quarterly Results
Figures in Rs. Crores
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: | 47% |
5 Years: | 35% |
3 Years: | 83% |
1 Year: | 115% |
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% |
Documents
Announcements
- Compliances-Reg. 39 (3) - Details of Loss of Certificate / Duplicate Certificate 1d
- Certificate Pursuant To Regulation 40(9) Of The SEBI (LODR) Regulations, 2015 1d
- Reconciliation Of Share Capital Audit Report Under Regulation 76 Of SEBI (Depositories And Participants) Regulations, 2018 1d
- Compliances-Reg. 39 (3) - Details of Loss of Certificate / Duplicate Certificate 8 Apr
- Format of the Initial Disclosure to be made by an entity identified as a Large Corporate : Annexure A 8 Apr
Annual reports
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
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Financial Year 2011
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Financial Year 2010
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Financial Year 2009
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Concalls
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Jan 2024TranscriptNotesPPT
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Nov 2023Transcript PPT
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Aug 2023TranscriptNotesPPT
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May 2023Transcript PPT
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Jan 2023TranscriptNotesPPT
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Nov 2022Transcript PPT
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Nov 2021Transcript PPT
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Nov 2020Transcript PPT
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Feb 2020Transcript PPT
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Dec 2019TranscriptNotesPPT
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Sep 2019TranscriptNotesPPT
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Jun 2019Transcript PPT
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Jan 2019TranscriptNotesPPT
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Nov 2018Transcript PPT
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Aug 2018TranscriptNotesPPT
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Jun 2018Transcript PPT
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May 2018TranscriptNotesPPT
Business Verticals