CSL Finance 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 has delivered good profit growth of 26.3% CAGR over last 5 years
- Comfortable capital adequacy - CAR of 46.9%
- Solid return on assets for a lender - ROA of 6.5%
- Asset quality is healthy - gross NPA of just 0.5%
- Company has delivered good sales growth of 28.7% CAGR over last 5 years
CONS
- Free cash flow has been persistently negative
- Thin net interest margin of 0.0%
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | 1034.20 | 31.71 | 643888.19 | 0.58 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| SHRIRAMFIN | 1028.00 | 21.37 | 241893.03 | 1.05 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| CHOLAFIN | 1845.00 | 27.40 | 157575.18 | 0.11 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| TATACAP | 362.80 | 28.50 | 154003.85 | 0.16 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| JIOFIN | 230.00 | 73.49 | 151872.26 | 0.26 | 8302.50 | 2457.29 | 20044.70 | 3172.82 | 2.11 | 69.71 |
| BAJAJHLDNG | 11120.70 | 13.97 | 123766.17 | 1.75 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| MUTHOOTFIN | 2794.40 | 9.86 | 112186.35 | 1.07 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| ABCAPITAL | 398.60 | 26.59 | 109118.68 | 0.00 | 1223.85 | 43.85 | 12179.54 | 137.84 | 8.82 | 41.91 |
| LTF | 309.50 | 24.37 | 77571.61 | 0.89 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| SBICARD | 656.05 | 27.44 | 62432.55 | 0.38 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| HDBFS | 668.65 | 25.53 | 55549.10 | 0.60 | 785.20 | 38.31 | 4937.90 | 18.71 | 9.09 | 57.98 |
| CSLFINANCE | 219.55 | 5.75 | 500.19 | 4.55 | 22.15 | 3.88 | 69.97 | 19.61 | 14.62 | 76.61 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 34 | 38 | 45 | 46 | 51 | 52 | 52 | 56 | 58 | 62 | 63 | 68 | 70 | |
| 8 | 9 | 10 | 10 | 12 | 14 | 14 | 13 | 13 | 14 | 17 | 15 | 41 | |
| Operating Profit | 28 | 29 | 35 | 37 | 39 | 40 | 40 | 43 | 46 | 50 | 48 | 53 | 54 |
| OPM % | 80.63% | 77.56% | 77.77% | 80.07% | 77.27% | 77.15% | 76.02% | 77.77% | 78.85% | 81.12% | 75.18% | 77.59% | 76.61% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest | 9 | 9 | 11 | 13 | 14 | 16 | 17 | 18 | 18 | 21 | 22 | 23 | 24 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 |
| 18 | 20 | 24 | 23 | 25 | 25 | 23 | 25 | 28 | 29 | 25 | 30 | 30 | |
| Tax % | 27.16% | 26.81% | 29.66% | 20.61% | 25.03% | 27.79% | 25.63% | 23.96% | 22.70% | 15.25% | 17.93% | 35.69% | 25.43% |
| Net Profit | 13 | 15 | 17 | 19 | 18 | 18 | 17 | 19 | 21 | 24 | 21 | 19 | 22 |
| 6 | 7 | 7 | 8 | 8 | 8 | 7 | 8 | 9 | 11 | 9 | 9 | 1 |
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 44 | 40 | 41 | 60 | 61 | 62 | 75 | 117 | 166 | 215 | 263 | |
| 25 | 13 | 9 | 12 | 18 | 15 | 19 | 28 | 37 | 52 | 86 | |
| Operating Profit | 20 | 27 | 32 | 48 | 43 | 47 | 56 | 89 | 129 | 163 | 177 |
| OPM % | 44.44% | 66.69% | 78.07% | 80.55% | 70.73% | 76.07% | 75.06% | 76.29% | 77.89% | 75.61% | 67.16% |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | |
| Interest | 1 | 3 | 6 | 12 | 11 | 7 | 11 | 27 | 43 | 65 | 89 |
| Depreciation | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 2 | 2 |
| Profit before Tax | 18 | 24 | 26 | 36 | 32 | 39 | 45 | 62 | 86 | 97 | 114 |
| Tax % | 29.39% | 30.95% | 29.88% | 30.04% | 29.20% | 30.06% | 25.26% | 25.85% | 25.98% | 25.59% | 23.89% |
| Net Profit | 13 | 16 | 18 | 25 | 22 | 28 | 33 | 46 | 63 | 72 | 87 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 15.04 | 17.75 | 21.40 | 28.24 | 32.10 | — |
| Dividend Payout % | 0.00% | 2.85% | 4.90% | 4.90% | 5.43% | 6.68% | 15.12% | 11.09% | 8.85% | 9.34% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- 9%
- 5 Years:
- 29%
- 3 Years:
- 42%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- 25%
- 5 Years:
- 26%
- 3 Years:
- 29%
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- -9%
- 1 Year:
- -25%
RETURN ON EQUITY
- 10 Years:
- 13%
- 5 Years:
- 13%
- 3 Years:
- 14%
- Last Year:
- 14%
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 5 | 5 | 6 | 6 | 6 | 6 | 20 | 20 | 22 | 22 |
| 94 | 110 | 176 | 208 | 226 | 252 | 299 | 340 | 452 | 518 | |
| 9 | 31 | 102 | 122 | 96 | 83 | 204 | 408 | 505 | 697 | |
| 3 | 4 | 4 | 3 | 4 | 6 | 7 | 9 | 5 | 7 | |
| Total Liabilities | 110 | 149 | 288 | 339 | 331 | 347 | 531 | 778 | 984 | 1,244 |
| 1 | 1 | 1 | 2 | 3 | 3 | 6 | 7 | 8 | 9 | |
| 1 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Cash & Bank | 1 | 10 | 3 | 10 | 15 | 21 | 16 | 46 | 63 | 74 |
| 108 | 137 | 284 | 328 | 313 | 323 | 509 | 724 | 914 | 1,161 | |
| Total Assets | 110 | 149 | 288 | 339 | 331 | 347 | 531 | 778 | 984 | 1,244 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| -14 | -6 | -99 | 16 | 42 | 32 | -146 | -152 | -128 | -172 | |
| Cash from Investing | 12 | 4 | -1 | -1 | -0 | -0 | -3 | -2 | -1 | -2 |
| Cash from Financing | 6 | 18 | 102 | 3 | -27 | -17 | 157 | 196 | 143 | 184 |
| -1 | 9 | -8 | 7 | 5 | 5 | -5 | 27 | 14 | 10 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-08-29 - CSL Finance Limited has informed the Exchange about Copy of Newspaper Publication
2026-08-27 - CSL Finance Limited has informed the Exchange that Record date for the purpose of Dividend is 12-Sep-2026.
2026-08-27 - CSL Finance Limited has informed the Exchange about Shareholders meeting
2026-08-14 - CSL Finance Limited has informed the Exchange about Copy of Newspaper Publication
2026-08-13 - CSL Finance Limited has informed the Exchange about Copy of Newspaper Publication
2026-08-12 - CSL Finance Limited has informed the Exchange about Investor Presentation
2026-08-12 - CSL Finance Limited has informed the Exchange regarding the Amendment to AOA/MOA of the company.
2026-08-12 - CSL Finance Limited has informed the Exchange regarding Change in Director(s) of the company.
2026-08-12 - CSL Finance Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.
News
Recent coverage and analyst commentary for CSLFINANCE
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CSL Finance Ltd.
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