CSL Finance Ltd.

•

cslfinance.inBSE: 530067NSE: CSLFINANCE

Market Cap₹ 572 Cr.

Current Price

High / Low₹ 325 / 210

Stock P/E6.6

Book Value₹ 283

Price to Book1.07

Dividend Yield3.98 %

ROCE14.6 %

ROE14.2 %

Face Value₹ 10

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ABOUT

AI Sector View

AI GENERATED

Financial Services

Buy

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.

Confidence

84%

View full sector analysis →

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

Financial ServicesFinanceFinance - NBFC

Part ofNIFTY 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name
1.	BAJFINANCE	1060.50	32.52	660262.45	0.57	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1041.00	21.64	244945.59	1.04	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	TATACAP	375.00	29.46	159182.59	0.15	16281.80	1464.16	88219.30	1051.00	8.66	75.72
4.	JIOFIN	239.85	76.64	158376.35	0.25	8302.50	2457.29	20044.70	3172.82	2.11	69.71
5.	CHOLAFIN	1839.00	27.31	157062.74	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
6.	BAJAJHLDNG	11148.75	14.01	124078.35	1.75	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2920.00	10.31	117228.79	1.03	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	404.80	27.00	110815.96	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	314.00	24.73	78699.47	0.88	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	657.90	27.52	62608.60	0.38	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	682.25	26.05	56678.94	0.59	785.20	38.31	4937.90	18.71	9.09	57.98
12.	CSLFINANCE	251.25	6.58	572.41	3.98	22.15	3.88	69.97	19.61	14.62	76.61

Detailed Comparison with:

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:: -8%
1 Year:: -14%

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
PER SHARE
EPS (₹)	27.89	35.07	30.62	40.78	36.85	44.88	16.53	22.55	28.24	32.10
Book Value (₹)	210.09	243.95	307.47	347.01	379.94	421.56	157.90	177.87	211.26	240.76
Dividend per Share (₹)	0.00	1.00	1.50	2.00	2.00	3.00	2.50	2.50	2.50	3.00
Cash EPS (₹)	9.36	11.77	10.29	13.72	12.69	15.29	16.86	23.06	28.86	32.87
PROFITABILITY
Operating Margin %	45.10%	67.30%	78.31%	80.89%	70.89%	76.38%	75.29%	76.54%	77.89%	75.61%
Net Margin %	29.42%	40.62%	43.71%	42.28%	36.93%	44.64%	44.82%	38.92%	38.25%	33.52%
ROE %	14.22%	15.45%	12.22%	12.72%	10.08%	11.23%	11.57%	13.43%	15.20%	14.21%
ROCE %	20.42%	21.43%	14.95%	15.38%	12.75%	13.87%	12.80%	13.69%	14.71%	14.62%
	13.02%	12.68%	8.29%	8.02%	6.70%	8.12%	7.62%	6.97%	7.19%	6.47%
EFFICIENCY
Debtor Days	0	0	0	0	0	0	0	0	0	0
Inventory Days	18	0	0	0	0	0	0	0	0	0
Payable Days	0	0	0	0	0	0	0	0	0	0
	18	0	0	0	0	0	0	0	0	0
FINANCIAL HEALTH
Debt to Equity (x)	0.10x	0.27x	0.56x	0.57x	0.41x	0.32x	0.64x	1.13x	1.06x	1.29x
Interest Coverage (x)	13.95x	8.20x	4.99x	4.01x	3.98x	6.52x	5.15x	3.26x	2.99x	2.49x
	9.07x	4.31x	2.56x	1.12x	5.51x	7.97x	22.08x	19.71x	0.30x	0.21x
GROWTH
Revenue Growth %	-52.34%	-8.93%	2.34%	43.86%	2.28%	1.34%	21.00%	57.10%	41.29%	29.83%
Operating Profit Growth %	47.83%	35.90%	19.08%	48.59%	-10.37%	9.19%	19.29%	59.71%	44.82%	25.88%
Net Profit Growth %	63.45%	25.74%	10.10%	39.15%	-10.66%	22.49%	21.51%	36.41%	38.87%	13.78%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	25.26%	13.68%
VALUATION
P/E (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	16.84x	8.01x
P/B (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	2.25x	1.07x
Dividend Yield %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.53%	1.17%
	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	11.60x	7.32x

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	47.44	47.44	47.49	47.56	47.56	47.56	47.56	47.66	48.17
	2.54	2.51	2.47	0.83	0.79	0.77	0.62	0.16	0.10
	1.23	1.23	0.13	0.56	0.91	0.96	1.34	1.58	1.72
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	48.79	48.83	49.91	51.06	50.75	50.71	50.48	50.59	50.02

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-08-29

Copy of Newspaper Publication

2026-08-29 - CSL Finance Limited has informed the Exchange about Copy of Newspaper Publication

2026-08-27

Record Date

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

Shareholders meeting

2026-08-27 - CSL Finance Limited has informed the Exchange about Shareholders meeting

2026-08-14

Copy of Newspaper Publication

2026-08-14 - CSL Finance Limited has informed the Exchange about Copy of Newspaper Publication

2026-08-13

Copy of Newspaper Publication

2026-08-13 - CSL Finance Limited has informed the Exchange about Copy of Newspaper Publication

2026-08-12

Investor Presentation

2026-08-12 - CSL Finance Limited has informed the Exchange about Investor Presentation

2026-08-12

Amendment to AOA/MOA

2026-08-12 - CSL Finance Limited has informed the Exchange regarding the Amendment to AOA/MOA of the company.

2026-08-12

Change in Director(s)

2026-08-12 - CSL Finance Limited has informed the Exchange regarding Change in Director(s) of the company.

2026-08-12

Outcome of Board Meeting

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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Free 5nance Account

Name

BAJFINANCE

1060.50

32.52

660262.45

0.57

6080.60

27.60

23165.45

20.37

10.87

70.70

SHRIRAMFIN

1041.00

21.64

244945.59

1.04

3452.77

59.90

13400.43

17.46

11.49

74.63

TATACAP

375.00

29.46

159182.59

0.15

16281.80

1464.16

88219.30

1051.00

8.66

75.72

JIOFIN

239.85

76.64

158376.35

0.25

8302.50

2457.29

20044.70

3172.82

2.11

69.71

CHOLAFIN

1839.00

27.31

157062.74

0.11

1656.22

45.56

8856.29

21.89

9.70

70.07

BAJAJHLDNG

11148.75

14.01

124078.35

1.75

2708.08

-92.27

394.33

23.34

14.81

684.72

MUTHOOTFIN

2920.00

10.31

117228.79

1.03

2824.84

43.08

8671.60

36.25

15.87

83.76

ABCAPITAL

404.80

27.00

110815.96

0.00

1223.85

43.85

12179.54

137.84

8.82

41.91

LTF

314.00

24.73

78699.47

0.88

915.99

30.70

5212.92

22.38

8.54

62.13

SBICARD

657.90

27.52

62608.60

0.38

664.44

19.51

5040.55

7.60

11.75

29.83

HDBFS

682.25

26.05

56678.94

0.59

785.20

38.31

4937.90

18.71

9.09

57.98

CSLFINANCE

251.25

6.58

572.41

3.98

22.15

3.88

69.97

19.61

14.62

76.61

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

Operating Profit

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

Interest

Depreciation

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

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

TTM

117

166

215

263

Operating Profit

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%

Interest

Depreciation

Profit before Tax

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

EPS

0.00

15.04

17.75

21.40

28.24

32.10

—

Dividend Payout %

0.00%

2.85%

4.90%

5.43%

6.68%

15.12%

11.09%

8.85%

9.34%

—

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Equity Capital

110

176

208

226

252

299

340

452

518

102

122

204

408

505

697

Total Liabilities

110

149

288

339

331

347

531

778

984

1,244

Cash & Bank

108

137

284

328

313

323

509

724

914

1,161

Total Assets

110

149

288

339

331

347

531

778

984

1,244

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

-14

-6

-99

-146

-152

-128

-172

Cash from Investing

-1

-0

-3

-2

-1

-2

Cash from Financing

102

-27

-17

157

196

143

184

-1

-8

-5

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

PER SHARE

EPS (₹)

27.89

35.07

30.62

40.78

36.85

44.88

16.53

22.55

28.24

32.10

Book Value (₹)

210.09

243.95

307.47

347.01

379.94

421.56

157.90

177.87

211.26

240.76

Dividend per Share (₹)

0.00

1.00

1.50

2.00

3.00

2.50

3.00

Cash EPS (₹)

9.36

11.77

10.29

13.72

12.69

15.29

16.86

23.06

28.86

32.87

PROFITABILITY

Operating Margin %

45.10%

67.30%

78.31%

80.89%

70.89%

76.38%

75.29%

76.54%

77.89%

75.61%

Net Margin %

29.42%

40.62%

43.71%

42.28%

36.93%

44.64%

44.82%

38.92%

38.25%

33.52%

ROE %

14.22%

15.45%

12.22%

12.72%

10.08%

11.23%

11.57%

13.43%

15.20%

14.21%

ROCE %

20.42%

21.43%

14.95%

15.38%

12.75%

13.87%

12.80%

13.69%

14.71%

14.62%

13.02%

12.68%

8.29%

8.02%

6.70%

8.12%

7.62%

6.97%

7.19%

6.47%

EFFICIENCY

Debtor Days

Inventory Days

Payable Days

FINANCIAL HEALTH

Debt to Equity (x)

0.10x

0.27x

0.56x

0.57x

0.41x

0.32x

0.64x

1.13x

1.06x

1.29x

Interest Coverage (x)

13.95x

8.20x

4.99x

4.01x

3.98x

6.52x

5.15x

3.26x

2.99x

2.49x

9.07x

4.31x

2.56x

1.12x

5.51x

7.97x

22.08x

19.71x

0.30x

0.21x

GROWTH

Revenue Growth %

-52.34%

-8.93%

2.34%

43.86%

2.28%

1.34%

21.00%

57.10%

41.29%

29.83%

Operating Profit Growth %

47.83%

35.90%

19.08%

48.59%

-10.37%

9.19%

19.29%

59.71%

44.82%

25.88%

Net Profit Growth %

63.45%

25.74%

10.10%

39.15%

-10.66%

22.49%

21.51%

36.41%

38.87%

13.78%

0.00%

25.26%

13.68%

VALUATION

P/E (x)

0.00x

16.84x

8.01x

P/B (x)

0.00x

2.25x

1.07x

Dividend Yield %

0.00%

0.53%

1.17%

0.00x

11.60x

7.32x

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

47.44

47.49

47.56

47.66

48.17

2.54

2.51

2.47

0.83

0.79

0.77

0.62

0.16

0.10

1.23

0.13

0.56

0.91

0.96

1.34

1.58

1.72

Government

0.00

48.79

48.83

49.91

51.06

50.75

50.71

50.48

50.59

50.02

CSL Finance Ltd.

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Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

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CSL Finance Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI