CSLFINANCE
CSL Finance Limited (CSLFINANCE) Stock Analysis
CSL Finance Limited is an Indian NBFC providing corporate and retail loans. It focuses on structured finance and lending to SMEs in India. Interest income and asset quality define its profitability. The company is listed on Indian stock exchanges and operates from India.
Financial Services › Credit Services
₹226.50
+7.30% 1W | -14.70% 52W
Market Cap
509 CR
P/E Ratio
6
52W High
₹324.7
52W Low
₹200
Div. Yield
1.32%
Beta
0.4
50 DMA
₹219.4
200 DMA
₹230.9
Profit Margin
31.1%
Inst. Own.
0%
📉 CONSOLIDATING DOWN
📊 CONSOLIDATION
Fundamentals
Profit & Loss
| Metric | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 38 | 45 | 47 | 51 | 54 | 53 | 57 | 59 | 64 | 64 | 69 | 70 | 77 |
| YoY Revenue growth | +40% | +45% | +39% | +45% | +41% | +18% | +21% | +16% | +18% | +20% | +22% | +18% | +21% |
| Interest | 9 | 11 | 13 | 14 | 16 | 17 | 18 | 18 | 21 | 22 | 23 | 24 | 24 |
| Expenses | 9 | 10 | 10 | 12 | 14 | 14 | 13 | 13 | 14 | 17 | 15 | 16 | 18 |
| Financing Profit | 20 | 24 | 23 | 25 | 25 | 23 | 25 | 28 | 29 | 26 | 31 | 30 | 35 |
| Financing Margin % | 53% | 53% | 50% | 48% | 46% | 42% | 45% | 47% | 46% | 40% | 44% | 43% | 46% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 |
| Profit before tax | 20 | 24 | 23 | 25 | 25 | 23 | 25 | 28 | 29 | 25 | 30 | 30 | 35 |
| Tax % | 27% | 30% | 21% | 25% | 28% | 26% | 24% | 23% | 15% | 18% | 36% | 25% | 29% |
| Net Profit | 15 | 17 | 19 | 18 | 18 | 17 | 19 | 21 | 24 | 21 | 19 | 22 | 25 |
| EPS in Rs | 6.50 | 7.34 | 8.15 | 8.12 | 7.83 | 7.36 | 8.33 | 9.36 | 10.74 | 9.18 | 8.52 | 9.72 | 10.95 |
| Gross NPA % | 0.55% | 0.40% | 0.44% | 0.45% | 0.54% | 0.38% | 0.46% | 0.56% | 0.51% | 1.00% | 1.10% | 0.95% | 1.13% |
| Net NPA % | 0.32% | 0.23% | 0.25% | 0.26% | 0.32% | 0.23% | 0.34% | 0.42% | 0.39% | 0.75% | 0.81% | 0.60% | 0.71% |
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 93 | 44 | 40 | 41 | 58 | 61 | 62 | 75 | 117 | 166 | 216 | 256 | 280 |
| Revenue growth | -19% | -52% | -9% | +2% | +40% | +5% | +1% | +21% | +57% | +41% | +30% | +19% | +20% |
| Interest | 1 | 1 | 3 | 6 | 12 | 11 | 7 | 11 | 27 | 43 | 65 | 84 | 92 |
| Expenses | 80 | 25 | 13 | 9 | 11 | 18 | 15 | 19 | 28 | 37 | 52 | 59 | 66 |
| Financing Profit | 12 | 18 | 24 | 26 | 35 | 32 | 40 | 45 | 62 | 86 | 98 | 114 | 121 |
| Financing Margin % | 13% | 41% | 59% | 63% | 60% | 53% | 65% | 61% | 53% | 52% | 46% | 45% | 43% |
| Other Income | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | -0 | 1 |
| Depreciation | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 |
| Profit before tax | 12 | 18 | 24 | 26 | 34 | 32 | 39 | 45 | 62 | 86 | 97 | 112 | 120 |
| Tax % | 35% | 29% | 31% | 30% | 30% | 29% | 30% | 25% | 26% | 26% | 26% | 23% | |
| Net Profit | 8 | 13 | 16 | 18 | 24 | 22 | 28 | 33 | 46 | 63 | 72 | 86 | 87 |
| EPS in Rs | 5.71 | 9.33 | 11.73 | 10.21 | 12.86 | 12.15 | 14.88 | 16.13 | 22.01 | 27.81 | 31.64 | 37.80 | 38.37 |
| Dividend Payout % | 0% | 0% | 3% | 5% | 5% | 7% | 7% | 15% | 11% | 9% | 9% | 26% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 30.0% | 33.0% | 19.0% |
| Profit CAGR | 24.0% | 26.0% | 21.0% |
Shareholding Pattern
Promoters47.56%
FIIs0.77%
DIIs0.96%
Public49.41%
Promoters47.56%
FIIs0.62%
DIIs1.34%
Public49.19%
Promoters47.66%
FIIs0.16%
DIIs2.90%
Public47.98%
Promoters48.16%
FIIs0.10%
DIIs3.54%
Public46.90%
Promoters49.17%
FIIs0.09%
DIIs3.11%
Public46.34%
Promoters51.33%
Public46.28%
Promoters47.71%
FIIs2.22%
DIIs1.23%
Public47.32%
Promoters47.56%
FIIs0.83%
DIIs0.56%
Public49.62%
Promoters47.66%
FIIs0.16%
DIIs2.90%
Public47.98%
Promoters49.17%
FIIs0.09%
DIIs3.11%
Public46.34%
CSLFINANCE
Holdings Analysis
Key strengths & risk signals
60
Overall
80
Fundamental
40
Technical
Risks (4)
TOO MUCH PUBLIC HOLDING! 45.65% public ownership - higher volatility risk.
BEARISH SENTIMENT! In last 30 days: 12 up days, 18 down days. Avg volume on up days: 23,153 vs down days: 39,535. Ratio: 0.59x
WEAK YEAR! Stock declined 14.7% in the last year.
BEARISH TREND! 50-day average (219.4) is below 200-day average (230.9) - negative signal.
Strengths (4)
EXCELLENT EFFICIENCY! 31.1% profit margin - company keeps strong profits.
LOW VOLATILITY! Beta of 0.40 - stable stock, less market risk.
GOOD MOMENTUM! Price has grown across all timeframes - up 7.3% (1 week), 11.4% (1 month), 1.0% (3 months).
MIXED POSITION! Current price (226.5) above 50-day but below 200-day.
Fundamental & Technical Analysis
60Overall
80Fundamental
40Technical
Fundamental Breakdown
Growth Quality
30/30
Revenue CAGR: 29.8% (EXCELLENT, 15/15). Profit CAGR: 23.6% (EXCELLENT, 15/15).
Profit Margin
10/10
EXCELLENT EFFICIENCY! 31.1% profit margin - company keeps strong profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.25 indicates stock is cheap relative to growth.
Dividend Yield
5/10
LOW DIVIDEND! 1.32% yield - minimal income contribution.
Debt to Equity
10/10
VERY LOW DEBT! D/E of 0.00 - excellent financial health.
Public Holding
5/20
TOO MUCH PUBLIC HOLDING! 45.65% public ownership - higher volatility risk.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
3/10
BEARISH TREND! 50-day average (219.4) is below 200-day average (230.9) - negative signal.
Price Position
6/10
MIXED POSITION! Current price (226.5) above 50-day but below 200-day.
Trend Pattern
10/20
Current trend: CONSOLIDATION
52W Performance
2/10
WEAK YEAR! Stock declined 14.7% in the last year.
Volume Sentiment
5/30
BEARISH SENTIMENT! In last 30 days: 12 up days, 18 down days. Avg volume on up days: 23,153 vs down days: 39,535. Ratio: 0.59x
RSI
3/5
BULLISH! RSI at 63.1 - positive momentum.
52W Range
2/5
LOWER HALF! Trading at 21.3% of 52W range - weakness visible.
Momentum
4/5
GOOD MOMENTUM! Price has grown across all timeframes - up 7.3% (1 week), 11.4% (1 month), 1.0% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.40 - stable stock, less market risk.
CSLFINANCE
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-06-02 | Concall PDF | |
| Q2FY262025-11-17 | Concall PDF |
Peer Comparison
Financial Services · Credit Services · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| CSLFINANCE | ₹226.50 | 6 | 31.1% | 29.8% | 23.6% | -14.7% | 60 | CONSOLIDATION | +3.8% | +13.9% | +17.4% | +0.6% |
| MANCREDIT | ₹251.80 | 29.5 | 23.0% | 48.1% | 24.6% | +36.2% | 74 | BREAKOUT | +90.0% | +3.6% | +53.1% | +4.2% |
| LAXMIINDIA | ₹103.90 | 9.4 | 30.6% | 33.1% | 46.1% | -28.9% | 70 | BREAKDOWN | +69.4% | -19.0% | +30.7% | -2.5% |
| UYFINCORP | ₹30.40 | 9.3 | 29.1% | 37.0% | 84.0% | +90.1% | 87 | BREAKOUT | +226.7% | +12.6% | +181.1% | +3.3% |
| MUTHOOTCAP | ₹196.10 | 13.5 | 9.3% | 11.5% | -47.8% | -29.3% | 45 | CONSOLIDATING DOWN | -272.3% | +50.0% | +7.1% | +0.3% |
| AFIL | ₹7.00 | 6.8 | 48.6% | 11.0% | 21.0% | -5.6% | 60 | BOUNCE FROM SUPPORT | +20.0% | +3.4% | +34.3% | +1.5% |
| CIFL | ₹18.10 | 18.3 | 7.3% | -7.4% | – | -46.8% | 47 | BREAKDOWN | +17.9% | +1,550.0% | +0.7% | +1.2% |
| VIJIFIN | ₹13.10 | 39.5 | 61.0% | 34.6% | 65.8% | +319.6% | 74 | CONSOLIDATION | -1,600.0% | +36.4% | +366.7% | +211.1% |
Data from TradeAlone · Updated daily
