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CSL Finance Limited CSLFINANCE NSEFINANCIAL

Financial Services · Credit Services · India
https://www.cslfinance.in

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.

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₹235.91
-25.45% 1Y

Market & Price

Market Cap
₹530.50 Cr
Current Price
₹235.91
High / Low (52W)
₹359.61 / ₹220.00
Beta
0.34

Valuation

Stock P/E
6.32
Industry PE
19.12
Forward P/E
-
PEG Ratio
-
Book Value
₹254.82
Price to Book
0.93
P/S
2.06
EV/EBITDA
6.57
Dividend Yield
1.27%

Profitability & Returns

ROCE
11.37%
ROE
14.81%
ROA
8.96%
Profit Margin
33.50%
Op Margin
76.81%
EPS (Latest Qtr)
₹9.18
EPS (TTM)
₹37.30

Balance Sheet & Liquidity

Debt/Equity
1.38
Quick Ratio
37.11
Current Ratio
576.36
Debt
₹855.70 Cr
Total Assets
₹1,245.07 Cr
Current Assets
₹508.66 Cr
Working Capital
₹117.83 Cr

Ownership

Promoter Holding
67.19%
Chg in Prom Hold
-
FII / Inst Holding
0.00%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
₹1,300.62 Cr
Total Revenue (TTM)
₹257.02 Cr
EBITDA
₹197.95 Cr
Free Cash Flow
₹-156.07 Cr
Operating Cash Flow
₹-56.65 Cr
Shares Outstanding
₹2.25 Cr
Gross Margin
95.41%
Payout Ratio
8.04%

Growth (CAGR)

Revenue 5Y
42.73%
Profit 5Y
29.17%
Revenue (YoY)
22.10%
Earnings (YoY)
2.70%

PROS

  • Excellent profit margin of 33.5%.
  • Compounding revenue at 42.7% over 5 years.
  • Profit CAGR of 29.2% over 5 years.

CONS

  • Trading 34.4% below its 52-week high.
  • In a downtrend (50-DMA below 200-DMA).

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

Price Chart

NSE TradingView Screener.in

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

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 235.91 6.32 ₹530.50 Cr 1.27% 11.37% 14.81% 42.73% 29.17%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 744.55 16.61 ₹11.46 L Cr 1.75% - 13.82% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,256.40 16.81 ₹9.01 L Cr 0.88% - 16.36% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 964.40 10.58 ₹8.90 L Cr 1.80% - 15.48% 12.19% 14.39%
5 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 384.20 19.80 ₹3.82 L Cr 0.13% - 11.39% 14.58% 8.92%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 411.35 9.06 ₹2.60 L Cr 2.43% - 42.36% 7.61% 16.86%
7 SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL 947.15 17.79 ₹2.23 L Cr 1.46% - 16.38% 15.48% 18.59%
8 SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL 1,830.10 74.06 ₹1.84 L Cr 0.15% - 13.70% 11.67% 12.81%
9 ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL 3,538.50 53.19 ₹1.75 L Cr 0.70% 98.30% 85.80% 28.94% 29.58%
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Quarterly Results

Figures in INR.

Metric Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue -52.45 Cr54.49 Cr58.50 Cr61.68 Cr63.22 Cr
Cost of Revenue -24.33 Cr20.83 Cr25.97 Cr28.97 Cr30.57 Cr
Gross Profit -28.12 Cr33.66 Cr32.53 Cr32.71 Cr32.65 Cr
Operating Expenses -3.63 Cr9.36 Cr3.61 Cr4.16 Cr4.61 Cr
Operating Income -24.49 Cr24.30 Cr28.91 Cr28.55 Cr28.04 Cr
EBITDA -24.93 Cr18.68 Cr29.38 Cr29.09 Cr28.58 Cr
Interest Expense ------
Pretax Income -22.55 Cr24.96 Cr27.57 Cr28.86 Cr25.49 Cr
Tax Provision -5.78 Cr5.98 Cr6.26 Cr4.40 Cr4.57 Cr
Net Income -16.77 Cr18.98 Cr21.32 Cr24.46 Cr20.92 Cr
Diluted EPS 7.757.28-9.2810.659.18

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025
Revenue 72.18 Cr114.53 Cr162.72 Cr209.88 Cr
Cost of Revenue 19.12 Cr40.34 Cr60.88 Cr87.78 Cr
Gross Profit 53.06 Cr74.19 Cr101.84 Cr122.11 Cr
Operating Expenses 7.01 Cr11.59 Cr14.72 Cr18.91 Cr
Operating Income 46.05 Cr62.60 Cr87.11 Cr103.20 Cr
EBITDA 45.58 Cr62.74 Cr87.16 Cr98.85 Cr
Interest Expense 17.09 L17.67 L18.63 L25.05 L
Pretax Income 44.75 Cr61.53 Cr85.60 Cr96.88 Cr
Tax Provision 11.30 Cr15.90 Cr22.23 Cr24.79 Cr
Net Income 33.45 Cr45.63 Cr63.36 Cr72.09 Cr
Diluted EPS 17.7221.4028.2731.29

Compounded Sales Growth

5 Years:42.73%
1 Year:22.10%

Compounded Profit Growth

5 Years:29.17%
1 Year:2.70%

Stock Price Performance

1 Year:-25.45%
6 Months:-19.84%
3 Months:-9.75%
1 Month:+3.43%

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025
Total Assets 532.23 Cr778.74 Cr985.33 Cr1,245.07 Cr
Current Assets 111.12 Cr311.50 Cr273.74 Cr508.66 Cr
Cash & Equivalents 13.03 Cr40.37 Cr54.09 Cr63.80 Cr
Inventory ----
Receivables 0---
Total Liabilities 210.74 Cr416.22 Cr510.50 Cr703.43 Cr
Current Liabilities 50.19 Cr200.60 Cr220.35 Cr390.83 Cr
Long Term Debt 159.14 Cr213.70 Cr288.26 Cr310.98 Cr
Total Debt 205.81 Cr409.83 Cr504.94 Cr697.13 Cr
Total Equity 321.49 Cr362.52 Cr474.83 Cr541.65 Cr
Shares Outstanding 2.07 Cr2.07 Cr2.28 Cr2.28 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025
Operating Cash Flow -158.32 Cr-166.50 Cr-127.67 Cr-172.24 Cr
Investing Cash Flow -3.50 Cr-2.13 Cr-1.29 Cr-1.61 Cr
Financing Cash Flow 157.22 Cr195.97 Cr142.69 Cr183.56 Cr
Capital Expenditure -3.56 Cr-2.15 Cr-1.48 Cr-1.61 Cr
Free Cash Flow -161.88 Cr-168.66 Cr-129.15 Cr-173.85 Cr
Net Change in Cash -4.60 Cr27.34 Cr13.72 Cr9.71 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2022Mar 2023Mar 2024Mar 2025
Gross Margin % 73.5%64.8%62.6%58.2%
Operating Margin % 63.8%54.7%53.5%49.2%
Net Margin % 46.3%39.8%38.9%34.3%
ROE % 10.4%12.6%13.3%13.3%
ROCE % 9.6%10.8%11.4%12.1%

Shareholding Pattern

Insiders
67.19%
Institutions
0.00%
Public Float
0.00%

Analyst View

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