CSL Finance Ltd

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

CSL Finance Ltd

₹ 316 -0.86%
13 Dec - 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 an NBFC which helps Small and Medium-Sized Enterprises and Real estate and non-real estate Corporates to avail a variety of secured loan products.
Currently, it has presence in 7 states & 29 Branches, and 3000+ Loans Disbursed,
with an AUM of Rs.1,000+ crore

Website BSE NSE
  • Market Cap ₹ 721 Cr.
  • Current Price ₹ 316
  • High / Low ₹ 545 / 304
  • Stock P/E 10.1
  • Book Value ₹ 222
  • Dividend Yield 0.79 %
  • ROCE 14.7 %
  • ROE 15.1 %
  • Face Value ₹ 10.0
Edit ratios

Pros

  • Company is expected to give good quarter
  • Company has delivered good profit growth of 21.6% CAGR over last 5 years

Cons

  • Company has a low return on equity of 13.6% over last 3 years.
  • Promoter holding has decreased over last 3 years: -10.1%

* 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

Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Revenue 17 19 23 25 27 31 34 35 38 45 47 51 54
Interest 2 3 4 5 5 7 9 9 9 11 13 14 16
5 4 5 6 7 8 8 8 9 10 10 12 14
Financing Profit 10 12 14 14 15 16 17 18 20 24 23 25 25
Financing Margin % 57% 63% 62% 57% 56% 52% 49% 52% 53% 53% 50% 48% 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 0
Profit before tax 10 12 14 14 15 16 16 18 20 24 23 25 25
Tax % 26% 27% 24% 25% 26% 25% 28% 27% 27% 30% 21% 25% 28%
7 9 11 11 11 12 12 13 15 17 19 18 18
EPS in Rs 3.84 4.68 5.18 5.13 5.40 5.74 5.74 6.39 6.50 7.34 8.15 8.12 7.83
Gross NPA % 3.25% 2.96% 1.73% 1.31% 0.83% 0.72% 0.61% 0.75% 0.55% 0.40% 0.44% 0.45% 0.54%
Net NPA % 1.79% 1.68% 0.96% 0.78% 0.48% 0.42% 0.35% 0.43% 0.32% 0.23% 0.25% 0.26% 0.32%
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Revenue 106 115 93 44 40 41 58 61 62 75 117 166 197
Interest 1 1 1 1 3 6 12 11 7 11 27 43 54
99 104 80 25 13 9 11 18 15 19 28 37 46
Financing Profit 6 10 12 18 24 26 35 32 40 45 62 86 97
Financing Margin % 6% 9% 13% 41% 59% 63% 60% 53% 65% 61% 53% 52% 49%
-0 0 1 0 0 0 0 0 0 0 0 1 1
Depreciation 0 0 0 0 0 0 1 1 1 1 1 1 2
Profit before tax 6 10 12 18 24 26 34 32 39 45 62 86 97
Tax % 30% 28% 35% 29% 31% 30% 30% 29% 30% 25% 26% 26%
4 7 8 13 16 18 24 22 28 33 46 63 72
EPS in Rs 3.21 5.14 5.71 9.33 11.73 10.21 12.86 12.15 14.88 16.13 22.01 27.81 31.44
Dividend Payout % 0% 0% 0% 0% 3% 5% 5% 7% 7% 15% 11% 9%
Compounded Sales Growth
10 Years: 4%
5 Years: 23%
3 Years: 39%
TTM: 42%
Compounded Profit Growth
10 Years: 25%
5 Years: 22%
3 Years: 32%
TTM: 38%
Stock Price CAGR
10 Years: 30%
5 Years: 30%
3 Years: 35%
1 Year: -36%
Return on Equity
10 Years: 13%
5 Years: 13%
3 Years: 14%
Last Year: 15%

Balance Sheet

Figures in Rs. Crores

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Sep 2024
Equity Capital 4 5 5 5 5 6 6 6 6 20 20 22 22
Reserves 66 73 81 94 110 178 205 226 253 301 342 452 483
12 4 2 9 31 102 124 98 84 206 410 505 577
1 2 3 3 4 2 1 2 4 5 6 6 13
Total Liabilities 83 83 90 110 149 288 336 332 348 532 779 985 1,095
0 1 0 1 1 1 4 3 3 6 8 8 9
CWIP 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 18 15 8 1 0 0 0 0 0 0 0 0 0
64 68 81 109 148 286 332 329 345 526 771 978 1,087
Total Assets 83 83 90 110 149 288 336 332 348 532 779 985 1,095

Cash Flows

Figures in Rs. Crores

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-4 6 -3 -19 -13 -109 -15 33 22 -158 -166 -127
-6 4 7 12 4 -1 -1 -0 -0 -4 -2 -2
10 -9 -3 6 18 102 23 -27 -17 157 196 143
Net Cash Flow 1 1 0 -1 9 -8 7 5 5 -5 27 14

Ratios

Figures in Rs. Crores

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
ROE % 6% 10% 9% 14% 15% 12% 12% 10% 11% 12% 13% 15%

Shareholding Pattern

Numbers in percentages

11 Recently
Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
57.50% 51.33% 51.33% 51.33% 51.33% 51.33% 51.46% 47.71% 47.71% 47.71% 47.43% 47.43%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.02% 0.04% 1.48% 2.22% 2.54% 2.51%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 1.01% 1.22% 1.23% 1.23% 1.23% 1.23%
41.92% 46.25% 46.26% 46.25% 46.27% 46.28% 45.65% 49.43% 48.05% 47.32% 47.36% 47.40%
0.58% 2.42% 2.41% 2.41% 2.41% 2.38% 1.85% 1.59% 1.53% 1.52% 1.44% 1.44%
No. of Shareholders 4,6283,8963,5833,9133,9603,9004,4055,5175,9417,0577,6068,649

* 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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