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CSL Finance Limited CSLFINANCE NSEFINANCIAL

Financial Services · Credit Services · India
https://www.cslfinance.in
Company Profile ↓
₹224.32
-29.29% 1Y
Mkt Cap₹511.06 Cr
P/E5.98
P/B0.83
Div. Yield1.34%
52W High₹323.92
52W Low₹214.07
Book Value₹272.83
EPS (TTM)₹37.50

Company Overview

CSL Finance Limited, a non-banking financial company, provides SME and wholesale loaning businesses in India. It offers structured finance for real estate developers, such as loans against property and securities; loan for small builders, including construction finance, refinance and inventory funding, and partner with developers; corporate loans, which include construction linked disbursal plan and principal moratorium facility; and emergency credit line guarantee scheme. The company was formerly known as Consolidated Securities Limited and changed its name to CSL Finance Limited in January 2016. The company was incorporated in 1992 and is based in Noida, India.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 23.6% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 30.0% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 6.0, below the sector median of 19.8.

Healthy Margins

Maintains a net profit margin of 34.2%.

Recent Developments

  • Mar 2026 Revenue of ₹251.66 Cr (+19.3% YoY); net profit ₹86.11 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +19.3%, earnings +19.4%.
  • 5-Year Trend Long-term compounding — revenue CAGR 30.0%, profit CAGR 23.6%.

Growth & Price Performance

Compounded Sales Growth

5 Years:30.01%
1 Year:19.33%

Compounded Profit Growth

5 Years:23.58%
1 Year:19.44%

Stock Price Performance

1 Year:-29.29%
6 Months:-25.20%
3 Months:-6.10%
1 Month:-2.14%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bearish
52-Week Range 9% of range
₹214.07 ₹323.92
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • RSI (14)47.48 · Neutral
Price Performance
1M-2.14%
3M-6.10%
6M-25.20%
1Y-29.29%
Valuation vs Sector

P/E of 5.98 is below the sector median of 19.81 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 34.2%.
  • Compounding revenue at 30.0% over 5 years.
  • Profit CAGR of 23.6% over 5 years.

CONS

  • Trading 30.8% below its 52-week high.
  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
5.98
Industry PE
19.81
Forward P/E est.
5.01
PEG Ratio
-
Book Value
₹272.83
Price to Book
0.83
P/S
1.98
EV/EBITDA
6.46
Dividend Yield
1.34%

Growth (CAGR)

Revenue 5Y
30.01%
Profit 5Y
23.58%
Revenue (YoY)
19.33%
Earnings (YoY)
19.44%

Profitability & Returns

ROCE
7.96%
ROE
13.85%
ROA
5.79%
Profit Margin
34.22%
Op Margin
46.98%
Gross Margin
53.55%
EPS (Latest Qtr)
₹8.46
EPS (TTM)
₹37.50

Balance Sheet & Liquidity

Debt/Equity
1.38
Quick Ratio
37.11
Current Ratio
575.92
Debt
₹855.70 Cr
Total Assets
₹1,487.60 Cr
Current Assets
₹1,471.77 Cr
Working Capital
₹1,469.21 Cr

Ownership

Promoter Holding
67.70%
Chg in Prom Hold
-
FII / Inst Holding
0.00%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
₹511.06 Cr
Total Revenue (TTM)
₹251.66 Cr
EBITDA
₹120.33 Cr
Free Cash Flow
₹-58.38 Cr
Operating Cash Flow
₹-56.65 Cr
Shares Outstanding
₹2.28 Cr
Gross Margin
53.55%
Payout Ratio
8.00%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 CSLFINANCE CSL Finance Limited NSEFINANCIAL 224.32 5.98 ₹511.06 Cr 1.34% 7.96% 13.85% 30.01% 23.58%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 815.55 16.51 ₹12.48 L Cr 1.58% - 13.62% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,423.10 19.03 ₹10.19 L Cr 0.86% - 14.93% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 1,031.00 11.31 ₹9.52 L Cr 1.67% - 13.97% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 1,032.90 33.85 ₹6.43 L Cr 0.53% - 16.68% 22.58% 18.23%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 443.80 9.77 ₹5.61 L Cr 2.26% - 32.53% 7.26% 16.86%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,340.20 15.86 ₹4.17 L Cr 0.08% - 12.27% 12.16% 34.61%
8 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 381.30 19.66 ₹3.79 L Cr 0.17% - 10.64% 13.48% 8.92%
9 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,887.10 34.31 ₹3.02 L Cr 0.07% - 12.58% 22.92% 15.16%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 55.51 Cr58.50 Cr61.68 Cr63.22 Cr68.27 Cr
Cost of Revenue 26.25 Cr25.97 Cr28.97 Cr30.57 Cr31.39 Cr
Gross Profit 29.27 Cr32.53 Cr32.71 Cr32.65 Cr36.88 Cr
Operating Expenses 4.46 Cr3.61 Cr4.16 Cr4.61 Cr4.15 Cr
Operating Income 24.81 Cr28.91 Cr28.55 Cr28.04 Cr32.73 Cr
EBITDA 25.25 Cr29.38 Cr29.09 Cr28.58 Cr33.30 Cr
Interest Expense -----
Pretax Income 24.96 Cr27.57 Cr28.86 Cr25.49 Cr30.18 Cr
Tax Provision 5.98 Cr6.26 Cr4.40 Cr4.57 Cr10.77 Cr
Net Income 18.98 Cr21.32 Cr24.46 Cr20.92 Cr19.42 Cr
Diluted EPS 8.259.2810.659.188.46

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue -114.53 Cr162.72 Cr210.90 Cr251.66 Cr
Cost of Revenue -40.34 Cr60.88 Cr93.19 Cr116.90 Cr
Gross Profit -74.19 Cr101.84 Cr117.71 Cr134.76 Cr
Operating Expenses -11.59 Cr14.72 Cr14.01 Cr16.53 Cr
Operating Income -62.60 Cr87.11 Cr103.69 Cr118.23 Cr
EBITDA -62.74 Cr87.16 Cr105.41 Cr120.33 Cr
Interest Expense 17.09 L17.67 L18.63 L25.05 L-
Pretax Income -61.53 Cr85.60 Cr96.88 Cr112.10 Cr
Tax Provision -15.90 Cr22.23 Cr24.79 Cr25.99 Cr
Net Income -45.63 Cr63.36 Cr72.09 Cr86.11 Cr
Diluted EPS -21.4028.2731.3037.50

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets -778.74 Cr985.33 Cr1,245.07 Cr1,487.60 Cr
Current Assets -311.50 Cr273.74 Cr508.66 Cr1,471.77 Cr
Cash & Equivalents -40.37 Cr54.09 Cr63.80 Cr76.33 Cr
Inventory -----
Receivables 0---0
Total Liabilities -416.22 Cr510.50 Cr703.43 Cr866.03 Cr
Current Liabilities -200.60 Cr220.35 Cr390.83 Cr2.56 Cr
Long Term Debt -213.70 Cr288.26 Cr310.98 Cr854.17 Cr
Total Debt -409.83 Cr504.94 Cr697.13 Cr855.70 Cr
Total Equity -362.52 Cr474.83 Cr541.65 Cr621.57 Cr
Shares Outstanding -2.07 Cr2.28 Cr2.28 Cr2.28 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow --166.50 Cr-127.67 Cr-102.48 Cr-56.65 Cr
Investing Cash Flow --2.13 Cr-1.29 Cr-8.58 Cr-1.00 Cr
Financing Cash Flow -195.97 Cr142.69 Cr120.78 Cr70.18 Cr
Capital Expenditure --2.15 Cr-1.48 Cr-1.61 Cr-1.73 Cr
Free Cash Flow --168.66 Cr-129.15 Cr-104.09 Cr-58.38 Cr
Net Change in Cash -27.34 Cr13.72 Cr9.71 Cr12.53 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % -64.8%62.6%55.8%53.5%
Operating Margin % -54.7%53.5%49.2%47.0%
Net Margin % -39.8%38.9%34.2%34.2%
ROE % -12.6%13.3%13.3%13.9%
ROCE % -10.8%11.4%12.1%8.0%

Shareholding Pattern

Insiders
67.70%
Institutions
0.00%
Public Float
0.00%

Analyst View

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Latest News

Recent headlines for CSLFINANCE

Google News Sat, 28 Mar 2026

Here's Why We Think CSL Finance (NSE:CSLFINANCE) Is Well Worth Watching - simplywall.st

<a href="https://news.google.com/rss/articles/CBMi6gFBVV95cUxOelU0Q2xYR21fUi0zeS1aQ3luNlNIdmlxV19rRkFDVVhXYzFPOGMzQ2ZPOXJlTUcxc1RPbjQtR0dlMC1wX21zQVBUWHRpRjVGX2oya3VTbmdpRmVONnB5a01nNkEtSmFFQ081ajJYZTgyR1g5dVBpeHFKaHN6TmNVXzF2LU90VEV1UDc0d1…

Google News ue, 26 May 2026

Csl Finance Limited Proposes Final Dividend for the Financial Year Ended March 31, 2026 - marketscreener.com

<a href="https://news.google.com/rss/articles/CBMi1gFBVV95cUxQc3h6QWl2SzZNa1ZEeEx1QVhsaHk4Z1UtTUg3bUJxQjkwclU3Nmk5bVB4S29oR0xoTEtjWjJyRm5ROWxNZWZCc0xNWnpWbDFKWTlXZVctSXQwbTZPQ0dOWW1xX21FSnNOSWN6azBYVkdLalZ6cmRZdm1nZURfaUE5cUVybTFpbUZBSkJYLU…

Google News Mon, 22 Jun 2026

CSL Finance closes trading window from July 1 until Q1FY27 results - scanx.trade

<a href="https://news.google.com/rss/articles/CBMiwAFBVV95cUxOVWRFSEdBTk5ZSWNOUXkyVGdJZGxXWVlCUVJXUVpXb0JfajV5NkNDMnpxYm1aMGd3dHQtelNYX3cxZFJxanlabjlJcnJPbDFiMFBUUVZ2Z1g2MU9EbzVOdURjd2Z3cklvVW9IX0tQLW5jZnJZaE9WV3VfUDRoR2pWakdlQXRWLUdSck9TND…

Google News Fri, 26 Dec 2025

CSLFINANCE Share Price Today - CSL Finance Stock Analysis - Equitypandit

<a href="https://news.google.com/rss/articles/CBMiYEFVX3lxTE5pUkp6WHBhTmZ3SHM4eGpDVXlYZ0R5alBmVjE0V1NSeE9xQnpjSF9QLVNWUkVOQXhQcmdoaFRZQkFWQUZ2UDJMTXFpa3hwc0gxNXBRaEhKS25JMW5ERTlQRw?oc=5" target="_blank">CSLFINANCE Share Price Today - CSL Fi…

Google News Sat, 03 Jan 2026

CSL Finance Ltd. Share Price Today - CSL Finance Ltd. Stock Price Live NSE/BSE - CNBC TV18

<a href="https://news.google.com/rss/articles/CBMifkFVX3lxTE5rRVg3cVo1UmFLYWJ2YWpUMGdZODZGUlRmVkYyOWJuWVZ6YjN0V0V6VVJTZWFaYi1QMVJ2bUYwa015N1V2bHNPOGRZSjdwTWw0eEpuMVJ3Tk9DWUI2bjdjWDZQYWJoaHR6RGdSYXVPWm5lR0RMVHZ3YmZTckgxUQ?oc=5" target="_blan…

Google News Sun, 31 Aug 2025

CSL Finance's (NSE:CSLFINANCE) Upcoming Dividend Will Be Larger Than Last Year's - simplywall.st

<a href="https://news.google.com/rss/articles/CBMi6AFBVV95cUxPQkZQQmdWbUdkZWZ2a2lsbXE3b05zUVpvMDNFaE41bVdfWXVUOGdEcXYtRExTTG1yU2dPbWxnUjRicG9MZ0tmM2xLbkV6V1VyTGY3ZjVWWlFOU3ROdnFENmI4MW12QkRGQzVpX1ZZX2lPbkJYQURvVjYwZUNKNzc0U3BuVERyUjc3d2tpUz…

CSLFINANCE — Frequently Asked Questions

What is the current share price of CSL Finance Limited (CSLFINANCE)?

As of 2026-07-15 09:52 IST, CSL Finance Limited (CSLFINANCE) trades at ₹224.32 on NSE. Its 52-week range is ₹214.07 to ₹323.92.

What is the market capitalisation of CSLFINANCE?

CSL Finance Limited (CSLFINANCE) has a market capitalisation of ₹511.06 Cr on NSE.

What is the P/E ratio of CSLFINANCE?

CSLFINANCE trades at a trailing price-to-earnings (P/E) ratio of 5.98. The industry average P/E is 19.81. Its price-to-book (P/B) ratio is 0.83.

Does CSLFINANCE pay a dividend?

CSL Finance Limited (CSLFINANCE) currently offers a dividend yield of 1.34%.

What is the return on equity (ROE) of CSLFINANCE?

CSLFINANCE has a return on equity (ROE) of 13.85%. Its return on capital employed (ROCE) is 7.96%.

Is CSLFINANCE a good stock to buy?

This page provides a data-driven analysis of CSL Finance Limited (CSLFINANCE), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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