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 47.1%
- Company has a good return on equity (ROE) track record: 3 Years ROE 41.4%
- Company generates healthy free cash flow
CONS
- A large part of profit comes from other income (71.2% of PBT)
- Recent results are weak - TTM profit is down 15.9% versus prior year
- Poor cash conversion - profits are not backed by operating cash flow (CFO/PAT 0.44x)
- Stock is trading at 15.6x its book value
- Effective tax rate is unusually low at 13.0% - earnings may be flattered
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| CRISIL | 4694.40 | 38.82 | 34330.16 | 1.30 | 216.46 | 26.16 | 1075.39 | 27.56 | 37.98 | 28.63 |
| CARERATING | 1650.20 | 27.98 | 4970.14 | 1.33 | 32.99 | 24.52 | 111.68 | 18.92 | 27.36 | 31.01 |
| ICRA | 4730.40 | 23.38 | 4565.42 | 2.22 | 56.46 | 32.04 | 163.37 | 31.23 | 22.80 | 33.72 |
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
| 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 407 | 408 | 438 | 396 | 422 | 406 | 441 | 401 | 431 | 453 | 512 | 475 | 519 | |
| 335 | 304 | 357 | 322 | 360 | 347 | 386 | 340 | 346 | 388 | 421 | 475 | 468 | |
| Operating Profit | 72 | 104 | 81 | 75 | 62 | 59 | 55 | 61 | 85 | 65 | 91 | -0 | 51 |
| OPM % | 17.69% | 25.54% | 18.49% | 18.85% | 14.75% | 14.62% | 12.44% | 15.14% | 19.63% | 14.35% | 17.72% | -0.08% | 9.91% |
| 159 | 78 | 190 | 39 | 97 | 176 | 189 | 114 | 156 | 122 | 111 | 154 | 137 | |
| Interest | 1 | 1 | 1 | 0 | 0 | 0 | 2 | 5 | 5 | 5 | 4 | 6 | 6 |
| Depreciation | 16 | 17 | 17 | 10 | 10 | 10 | 15 | 19 | 20 | 20 | 19 | 20 | 21 |
| Profit before Tax | 213 | 164 | 254 | 104 | 149 | 225 | 228 | 151 | 216 | 162 | 178 | 128 | 189 |
| Tax % | 9.54% | 18.17% | 8.91% | 22.87% | 13.71% | 10.64% | 9.46% | 14.00% | 10.19% | 14.99% | 13.92% | 11.58% | 11.87% |
| Net Profit | 193 | 135 | 231 | 80 | 128 | 201 | 206 | 130 | 194 | 137 | 153 | 113 | 166 |
| 26.39 | 18.41 | 31.60 | 10.98 | 17.56 | 27.50 | 28.20 | 17.75 | 26.57 | 18.79 | 20.98 | 15.51 | 22.74 |
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Dec 2023 | Dec 2024 | Dec 2025 | TTM | |
|---|---|---|---|---|
| 1,628 | 1,668 | 1,796 | 1,959 | |
| 1,288 | 1,416 | 1,496 | 1,752 | |
| Operating Profit | 340 | 252 | 301 | 207 |
| OPM % | 20.90% | 15.12% | 16.75% | 10.56% |
| 493 | 499 | 503 | 524 | |
| Interest | 3 | 3 | 19 | 21 |
| Depreciation | 67 | 43 | 78 | 79 |
| Profit before Tax | 763 | 705 | 707 | 657 |
| Tax % | 12.46% | 12.74% | 13.04% | 13.14% |
| Net Profit | 668 | 615 | 615 | 571 |
| EPS | 91.42 | 84.16 | 84.11 | — |
| Dividend Payout % | 59.07% | 66.54% | 72.52% | — |
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:
- 41%
- Last Year:
- 33%
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Dec 2023 | Dec 2024 | Dec 2025 | |
|---|---|---|---|
| Equity Capital | 7 | 7 | 7 |
| 1,452 | 1,749 | 2,019 | |
| 42 | 250 | 237 | |
| Trade Payables | 124 | 112 | 130 |
| 362 | 430 | 414 | |
| Total Liabilities | 1,987 | 2,548 | 2,807 |
| 119 | 461 | 438 | |
| Capital Work in Progress | 0 | 1 | 0 |
| 995 | 1,255 | 1,086 | |
| 376 | 286 | 337 | |
| Cash & Bank | 108 | 96 | 82 |
| 388 | 450 | 865 | |
| Total Assets | 1,987 | 2,548 | 2,807 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Dec 2023 | Dec 2024 | Dec 2025 | |
|---|---|---|---|
| 281 | 319 | 236 | |
| Cash from Investing | 148 | 104 | 205 |
| Cash from Financing | -397 | -435 | -455 |
| 32 | -13 | -14 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| 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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