CRISIL Ltd.
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ABOUT
AI Sector View
AI GENERATEDFinancial Services
Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.
PROS
- Company is almost debt free
- Company has a healthy return on capital (ROCE) of 40.3%
- Company has a good return on equity (ROE) track record: 3 Years ROE 30.1%
- Latest quarter profit grew 26.2% YoY, showing strong momentum
- Strong cash generation - operating cash flow backs reported profits (CFO/PAT 1.09x)
- Company has been maintaining a healthy dividend payout of 58.2%
CONS
- Stock is trading at 10.4x its book value
- Rich enterprise valuation - EV/EBITDA of 26.3x
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| CRISIL | 4720.35 | 39.04 | 34519.93 | 1.29 | 216.46 | 26.16 | 1075.39 | 27.56 | 37.98 | 28.63 |
| CARERATING | 1695.30 | 28.74 | 5105.97 | 1.30 | 32.99 | 24.52 | 111.68 | 18.92 | 27.36 | 31.01 |
| ICRA | 4734.20 | 23.40 | 4569.09 | 2.22 | 56.46 | 32.04 | 163.37 | 31.23 | 22.80 | 33.72 |
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
| 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 771 | 736 | 918 | 738 | 797 | 812 | 913 | 813 | 843 | 911 | 1,082 | 1,058 | 1,075 | |
| 567 | 544 | 646 | 546 | 591 | 588 | 626 | 581 | 604 | 648 | 742 | 739 | 817 | |
| Operating Profit | 204 | 192 | 272 | 192 | 207 | 224 | 287 | 232 | 239 | 263 | 340 | 319 | 259 |
| OPM % | 26.47% | 26.05% | 29.59% | 26.04% | 25.92% | 27.57% | 31.45% | 28.53% | 28.32% | 28.89% | 31.40% | 30.12% | 24.06% |
| 18 | 36 | 33 | 21 | 18 | 21 | 30 | 31 | 24 | 37 | 27 | 36 | 21 | |
| Interest | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 6 | 6 | 6 | 5 | 7 | 7 |
| Depreciation | 26 | 26 | 25 | 17 | 16 | 16 | 21 | 30 | 32 | 32 | 35 | 39 | 42 |
| Profit before Tax | 195 | 200 | 279 | 195 | 208 | 229 | 294 | 227 | 225 | 262 | 327 | 308 | 280 |
| Tax % | 22.76% | 24.12% | 24.64% | 29.55% | 27.82% | 24.93% | 23.70% | 29.67% | 23.74% | 26.37% | 26.04% | 24.36% | 22.65% |
| Net Profit | 0 | 0 | 0 | 0 | 150 | 172 | 225 | 160 | 172 | 193 | 242 | 233 | 216 |
| 20.60 | 20.79 | 28.74 | 18.84 | 20.53 | 23.46 | 30.72 | 21.86 | 23.46 | 26.41 | 33.02 | 31.90 | 29.60 |
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Dec 2023 | Dec 2024 | Dec 2025 | TTM | |
|---|---|---|---|---|
| 3,140 | 3,260 | 3,649 | 4,126 | |
| 2,258 | 2,349 | 2,564 | 2,946 | |
| Operating Profit | 882 | 911 | 1,085 | 1,180 |
| OPM % | 28.08% | 27.94% | 29.74% | 28.60% |
| 94 | 90 | 107 | 121 | |
| Interest | 4 | 4 | 22 | 25 |
| Depreciation | 104 | 70 | 129 | 149 |
| Profit before Tax | 868 | 926 | 1,041 | 1,177 |
| Tax % | 24.12% | 26.16% | 26.42% | 24.87% |
| Net Profit | 658 | 684 | 766 | 884 |
| EPS | 90.07 | 93.58 | 104.79 | — |
| Dividend Payout % | 59.95% | 59.84% | 58.21% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
STOCK PRICE CAGR
- 10 Years:
- 8%
- 5 Years:
- 11%
- 3 Years:
- 7%
- 1 Year:
- -7%
RETURN ON EQUITY
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- 30%
- Last Year:
- 28%
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Dec 2023 | Dec 2024 | Dec 2025 | |
|---|---|---|---|
| Equity Capital | 7 | 7 | 7 |
| 2,151 | 2,528 | 3,026 | |
| 78 | 281 | 288 | |
| Trade Payables | 143 | 176 | 146 |
| 832 | 873 | 1,057 | |
| Total Liabilities | 3,212 | 3,865 | 4,524 |
| 635 | 976 | 1,440 | |
| Capital Work in Progress | 0 | 1 | 2 |
| 1,056 | 1,454 | 1,180 | |
| 672 | 550 | 687 | |
| Cash & Bank | 370 | 304 | 323 |
| 479 | 581 | 891 | |
| Total Assets | 3,212 | 3,865 | 4,524 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Dec 2023 | Dec 2024 | Dec 2025 | |
|---|---|---|---|
| 780 | 765 | 756 | |
| Cash from Investing | -327 | -386 | -268 |
| Cash from Financing | -408 | -442 | -470 |
| 46 | -63 | 18 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Dec 2023 | Dec 2024 | Dec 2025 | |
|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-08 - Crisil: Crisil Limited has informed the Exchange about Copy of Newspaper Publication
2026-09-07 - Crisil Limited has submitted the Exchange a copy Srutinizers report of Postal Ballot. Further, the company has informed the Exchange regarding voting results.
2026-08-26 - Crisil Limited has informed the Exchange about Copy of Newspaper Publication
2026-08-12 - Crisil Limited has informed the Exchange about Analyst meeting.
2026-08-10 - Crisil Limited has informed the Exchange about Schedule of Analyst meet
2026-08-06 - Crisil Limited has informed the Exchange about Copy of Newspaper Publication
2026-08-05 - Update on amalgamation Of Crisil Canada Inc. and Crisil PriceMetrix Inc.
2026-08-05 - Crisil Limited has informed the Exchange regarding Notice of Postal Ballot
2026-07-23 - Crisil Limited has informed the Exchange about Copy of Newspaper Publication
News
Recent coverage and analyst commentary for CRISIL
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CRISIL Ltd.
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