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
₹215.20
-1.40% 1W | -24.00% 52W
Market Cap
484 CR
P/E Ratio
5.8
52W High
₹324.7
52W Low
₹209.7
Div. Yield
1.42%
Beta
0.5
50 DMA
₹223.2
200 DMA
₹244
Profit Margin
32.5%
Inst. Own.
0%
⚡ APPROACHING SUPPORT
⚠️ BREAKDOWN
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 35 | 38 | 45 | 47 | 51 | 54 | 53 | 57 | 59 | 64 | 64 | 69 | 70 |
| Interest | 9 | 9 | 11 | 13 | 14 | 16 | 17 | 18 | 18 | 21 | 22 | 23 | 24 |
| Expenses | 8 | 9 | 10 | 10 | 12 | 14 | 14 | 13 | 13 | 14 | 17 | 15 | 16 |
| Financing Profit | 18 | 20 | 24 | 23 | 25 | 25 | 23 | 25 | 28 | 29 | 26 | 31 | 30 |
| Financing Margin % | 52% | 53% | 53% | 50% | 48% | 46% | 42% | 45% | 47% | 46% | 40% | 44% | 43% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 |
| Profit before tax | 18 | 20 | 24 | 23 | 25 | 25 | 23 | 25 | 28 | 29 | 25 | 30 | 30 |
| Tax % | 27% | 27% | 30% | 21% | 25% | 28% | 26% | 24% | 23% | 15% | 18% | 36% | 25% |
| Net Profit | 13 | 15 | 17 | 19 | 18 | 18 | 17 | 19 | 21 | 24 | 21 | 19 | 22 |
| EPS in Rs | 6.39 | 6.50 | 7.34 | 8.15 | 8.12 | 7.83 | 7.36 | 8.33 | 9.36 | 10.74 | 9.18 | 8.52 | 9.72 |
| Gross NPA % | 0.75% | 0.55% | 0.40% | 0.44% | 0.45% | 0.54% | 0.38% | 0.46% | 0.56% | 0.51% | 1.00% | 1.10% | 0.95% |
| Net NPA % | 0.43% | 0.32% | 0.23% | 0.25% | 0.26% | 0.32% | 0.23% | 0.34% | 0.42% | 0.39% | 0.75% | 0.81% | 0.60% |
| 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 | 267 |
| Interest | 1 | 1 | 3 | 6 | 12 | 11 | 7 | 11 | 27 | 43 | 65 | 84 | 89 |
| Expenses | 80 | 25 | 13 | 9 | 11 | 18 | 15 | 19 | 28 | 37 | 52 | 59 | 62 |
| Financing Profit | 12 | 18 | 24 | 26 | 35 | 32 | 40 | 45 | 62 | 86 | 98 | 114 | 115 |
| 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 | 114 |
| 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 | 38.16 |
| 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%
FIIs0.79%
DIIs0.91%
Public49.46%
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%
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%
Promoters48.16%
FIIs0.10%
DIIs3.54%
Public46.90%
CSLFINANCE
Holdings Analysis
Key strengths & risk signals
59
Overall
80
Fundamental
38
Technical
Risks (4)
TOO MUCH PUBLIC HOLDING! 45.65% public ownership - higher volatility risk.
POOR YEAR! Stock declined 24.0% in the last year.
WEAK POSITION! Current price (215.2) is below both moving averages.
WEAK! Trading at 4.8% of 52W range - near yearly lows.
Strengths (3)
EXCELLENT EFFICIENCY! 32.5% profit margin - company keeps strong profits.
LOW VOLATILITY! Beta of 0.50 - stable stock, less market risk.
NEUTRAL! RSI at 41.5 - balanced momentum.
Fundamental & Technical Analysis
59Overall
80Fundamental
38Technical
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! 32.5% 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! 1.42% 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
5/10
BEARISH TREND! 50-day average (223.2) is below 200-day average (244.0) - negative signal.
Price Position
2/10
WEAK POSITION! Current price (215.2) is below both moving averages.
Trend Pattern
10/20
BREAKDOWN! Stock has broken below support levels - weakness present.
52W Performance
1/10
POOR YEAR! Stock declined 24.0% in the last year.
Volume Sentiment
10/30
BEARISH SENTIMENT! In last 30 days: 17 up days, 13 down days. Avg volume on up days: 47,300 vs down days: 63,027. Ratio: 0.75x
RSI
3/5
NEUTRAL! RSI at 41.5 - balanced momentum.
52W Range
1/5
WEAK! Trading at 4.8% of 52W range - near yearly lows.
Momentum
1/5
NEGATIVE MOMENTUM! Price declined across timeframes - down 1.4% (1 week), 6.3% (1 month), 4.8% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.50 - 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 | ₹215.20 | 5.8 | 32.5% | 29.8% | 23.6% | -24.0% | 59 | BREAKDOWN | +3.8% | +13.9% | +17.4% | +0.6% |
| MANCREDIT | ₹221.90 | 26.2 | 23.2% | 48.1% | 24.6% | +20.9% | 69 | APPROACHING SUPPORT | +90.0% | +3.6% | +53.1% | +4.2% |
| VIJIFIN | ₹16.40 | 71.3 | 56.1% | 34.6% | 65.8% | +446.7% | 76 | BREAKDOWN | -466.7% | -47.6% | +50.0% | -60.9% |
| MUTHOOTCAP | ₹226.20 | 15.5 | 9.3% | 11.5% | -47.8% | -18.9% | 50 | BREAKDOWN | -272.3% | +50.0% | +7.1% | +0.3% |
| UYFINCORP | ₹19.30 | 6 | 29.1% | 37.0% | 84.0% | +29.3% | 80 | BREAKDOWN | +226.7% | +12.6% | +181.1% | +3.3% |
| MONEYBOXX | ₹51.20 | 269.5 | 1.1% | 59.7% | – | -30.7% | 40 | BREAKDOWN | 0.0% | -60.0% | -11.3% | -2.1% |
| AFIL | ₹8.00 | 8 | 48.8% | 29.4% | 42.8% | -10.0% | 71 | BREAKDOWN | +20.8% | -5.7% | +34.3% | +1.5% |
| LAXMIINDIA | ₹122.10 | 10.6 | 30.6% | 33.1% | 46.1% | -15.6% | 74 | BREAKDOWN | +69.4% | -19.0% | +30.7% | -2.5% |
Data from TradeAlone · Updated daily
