Market Data
Market Cap₹481.06 Cr.
52W High₹324.9
Current Price₹211.15
52W Low₹209.4
Down from 52W High35 %
Face Value₹10
Performance
ROCE13.77 %
ROE13.99 %
EPS (TTM)₹9.72
EPS Prev Qtr₹8.52
EPS Last Year₹10.73
EBITDA Qtr₹29.32 Cr.
Book Value₹274
Financial Health
Debt/Equity1.37
Debt/Profit9.82
Total Assets₹1,487.601 Cr.
Dividend Yield4.74 %
Promoter Holding48.17 %
Earning Power7.61 %
Valuation
Stock P/E5.53
Industry P/E18.22
Price to Book0.77
Price to Sales1.8
Graham Number₹485.16
Key Metrics
Book Value
₹279.47
Capital Adequacy %
42.9%
Debt/Equity
1.37
__derived
1
Face Value
₹10
Gross NPA %
0.95%
Loan Book
₹1,472 Cr
Loans Disbursed
₹321 Cr
Net Interest Income
₹45 Cr
Net NPA %
0.6%
Provision Coverage %
36.77%
ROE %
13.82%
About CSL Finance Ltd
Financial Services · Finance
CSL Finance Ltd is listed on NSE in the Financial Services / Finance sector. Face value ₹10. Market cap ₹481.06 Cr.
Price Chart
Strengths & Weaknesses
Strengths
- The company has a strong Capital Adequacy ratio of 42.9%, indicating sufficient capital to absorb potential losses.
- Gross NPA is low at 0.95%, suggesting good asset quality and lower risk of defaults.
- Net NPA is very low at 0.6%, further confirming strong asset quality.
- Provision Coverage is at 36.77%, showing adequate provisions against potential NPAs.
- The company offers a Dividend Yield of 4.11%, providing attractive income to investors.
- ROCE is 13.77%, indicating efficient use of capital to generate profits.
- ROE is 13.99%, reflecting strong return generation for shareholders.
Weaknesses
- Debt to Equity is relatively high at 1.37, indicating significant leverage which could amplify risks.
- P/E Ratio is low at 6.38, potentially indicating the stock is undervalued or the market expects lower future growth.
- P/B Ratio is 0.89, suggesting the market values the company below its book value.
Peer Comparison
| Name | CMP | P/E | Market Cap | Div Yield | NP Qtr | Qtr Profit Var% | Sales Qtr | Qtr Sales Var% | ROCE% | Debt/Eq |
|---|---|---|---|---|---|---|---|---|---|---|
| Bajaj Finance Ltd | - | 29.81 | ₹6,06,096.65 Cr | 0.62% | ₹20,647.67 Cr | - | ₹85,963.63 Cr | - | 10.43% | 3.82 |
| Bajaj Finserv Ltd | - | 27.52 | ₹2,80,096.25 Cr | 0.09% | ₹20,636.97 Cr | - | ₹1,57,641.68 Cr | - | 11.43% | 5.5 |
| Shriram Finance Ltd | - | 17.17 | ₹2,28,938.64 Cr | 1.11% | ₹11,295.71 Cr | - | ₹49,997.06 Cr | - | 11.48% | 3.8 |
| ICICI Prudential Asset Management Co Ltd | - | 32.07 | ₹1,60,021.14 Cr | - | ₹3,485.73 Cr | - | ₹6,040.44 Cr | - | 111.52% | 0 |
| Jio Financial Services Ltd | - | 67.67 | ₹1,43,882.46 Cr | 0.28% | ₹2,066.49 Cr | - | ₹4,905.27 Cr | - | 2.33% | 0.17 |
| Tata Capital Ltd | - | 25.45 | ₹1,39,274.15 Cr | 0.17% | ₹5,478.16 Cr | - | ₹32,695.45 Cr | - | 8.42% | 5.28 |
| Cholamandalam Investment & Finance Company Ltd | - | 24.05 | ₹1,39,099.51 Cr | 0.12% | ₹5,751 Cr | - | ₹32,662.59 Cr | - | 9.35% | 6.93 |
| Bajaj Holdings & Investment Ltd | - | 13.4 | ₹1,18,683.4 Cr | 1.83% | ₹8,993.16 Cr | - | ₹1,139.25 Cr | - | 12.4% | 0 |
| Muthoot Finance Ltd | - | 9.7 | ₹1,10,363.68 Cr | 1.09% | ₹11,457.46 Cr | - | ₹33,430.7 Cr | - | 14.43% | 3.88 |
| Power Finance Corporation Ltd | - | 4.12 | ₹1,07,187.31 Cr | 5.71% | ₹33,641.82 Cr | - | ₹1,15,431.43 Cr | - | 9.81% | 7.62 |
| SBI Funds Management Ltd | - | - | ₹1,05,477.12 Cr | - | - | - | - | - | - | 0 |
| Aditya Birla Capital Ltd | - | 25.05 | ₹1,04,186.93 Cr | - | ₹4,118.85 Cr | - | ₹48,185.84 Cr | - | 8.39% | 5.2 |
| Indian Railway Finance Corporation Ltd | - | 14.18 | ₹1,01,934.35 Cr | 1.35% | ₹7,190.69 Cr | - | ₹28,630.42 Cr | - | 5.78% | 7.69 |
| HDFC Asset Management Company Ltd | - | 26.29 | ₹96,489.85 Cr | 2.4% | ₹2,947.64 Cr | - | ₹4,253.73 Cr | - | 41.46% | 0 |
| REC Ltd | - | 4.83 | ₹77,258.79 Cr | 6.32% | ₹16,035.21 Cr | - | ₹59,202.49 Cr | - | 9.42% | 6.09 |
| L&T Finance Ltd | - | 22.07 | ₹70,266.92 Cr | 0.98% | ₹3,198.02 Cr | - | ₹18,897.97 Cr | - | 8.23% | 3.93 |
| Bajaj Housing Finance Ltd | - | 25.54 | ₹68,733.43 Cr | - | ₹2,692.32 Cr | - | ₹11,604.2 Cr | - | 8.35% | 4.6 |
| Nippon Life India Asset Management Ltd | - | 41.61 | ₹68,334.34 Cr | 2.01% | ₹1,635.54 Cr | - | ₹2,869 Cr | - | 45.49% | 0 |
| SBI Cards & Payment Services Ltd | - | 24.43 | ₹55,564.77 Cr | 0.43% | ₹2,275.15 Cr | - | ₹20,063.29 Cr | - | 10.14% | 2.8 |
| HDB Financial Services Ltd | - | 23.24 | ₹52,882.54 Cr | 0.16% | ₹2,175.9 Cr | - | ₹16,300.3 Cr | - | 9.03% | 5.52 |
Quarterly Results
📊 Jun 2026: Revenue grew 17.7% YoY, Profit grew 3.9% YoY
| Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|
| Sales | 59.44 | 63.67 | 64.16 | 68.8 | 69.97 |
| ↳ QoQ Growth | - | +7.1% | +0.8% | +7.2% | +1.7% |
| Expenses | 32.02 | 34.97 | 38.95 | 38.81 | 40.65 |
| Operating Profit | 27.43 | 28.69 | 25.21 | 29.99 | 29.32 |
| OPM % | 46.15% | 45.06% | 39.29% | 43.59% | 41.9% |
| Other Income | 0.15 | 0.16 | 0.28 | 0.37 | 0.38 |
| Interest | 18.23 | 20.8 | 21.77 | 22.77 | 23.69 |
| Depreciation | 0.46 | 0.54 | 0.54 | 0.56 | 0.59 |
| EBITDA | 27.89 | 29.23 | 25.75 | 30.55 | 29.91 |
| EBITDA Margin % | 46.92% | 45.91% | 40.13% | 44.4% | 42.75% |
| Profit Before Tax | 27.57 | 28.86 | 25.49 | 30.18 | 29.7 |
| Tax % | 22.71% | 15.25% | 17.93% | 35.69% | 25.42% |
| Net Profit | 21.31 | 24.46 | 20.92 | 19.42 | 22.15 |
| ↳ QoQ Growth | - | +14.8% | -14.5% | -7.2% | +14.1% |
| EPS | 9.36 | 10.73 | 9.18 | 8.52 | 9.72 |
Profit & Loss
| Mar 2026 | TTM | |
|---|---|---|
| Sales | 256.07 | 266.6 |
| Expenses | 144.75 | 153.38 |
| Operating Profit | 111.32 | 113.21 |
| OPM % | 43.47% | 42.46% |
| Other Income | 0.96 | 1.19 |
| Interest | 83.57 | 89.03 |
| Depreciation | 2.1 | 2.23 |
| Profit Before Tax | 112.1 | 114.23 |
| Tax % | 23.19% | 23.89% |
| Net Profit | 86.11 | 86.95 |
| EPS | 37.79 | 38.15 |
Compounded Sales Growth
10Y
-
5Y
-
3Y
-
TTM
-
Compounded Profit Growth
10Y
-
5Y
-
3Y
-
TTM
-
Stock Price CAGR
10Y
-
5Y
-
3Y
-
1Y
-23.81%
Return on Equity
10Y
-
5Y
-
3Y
-
Last Year
13.99%
Balance Sheet
| Mar 2025 | Mar 2026 | |
|---|---|---|
| Equity Capital | 22.46 | 22.4874 |
| Reserves | 519.19 | 599.0882 |
| Borrowings | 695.15 | 854.17 |
| Other Liabilities | 8.27 | 11.86 |
| Total Liabilities | 1245.07 | 1487.6008 |
| Fixed Assets | 7.96 | 8.0685 |
| CWIP | 0 | 0 |
| Investments | 0 | 0.15 |
| Other Assets | 1237.11 | 1479.38 |
| Total Assets | 1245.07 | 1487.6008 |
Cash Flows
| Mar 2025 | Mar 2026 | |
|---|---|---|
| Cash from Operating Activity | -172.2417 | -56.6451 |
| Cash from Investing Activity | -1.6089 | -1.0009 |
| Cash from Financing Activity | 183.5646 | 70.1787 |
| Net Cash Flow | 9.714 | 12.5327 |
Ratios
| Mar 2026 | |
|---|---|
| Debtor Days | - |
| Inventory Days | - |
| Days Payable | - |
| Cash Conversion Cycle | - |
| Working Capital Days | 902.89 |
| ROCE % | 17.57% |
Shareholding Pattern
| Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|
| Promoters % | 47.56% | 47.56% | 47.66% | 48.17% |
| FIIs % | 0.77% | 0.62% | 0.16% | 0.1% |
| DIIs % | 0.96% | 1.34% | 2.91% | 3.54% |
| Public % | 27.76% | 26.83% | 25.9% | 25.23% |
| No. of Shareholders | 8,849 | 8,520 | 8,226 | 8,342 |
Major Shareholders (>1%)
- Csl Capital Private LimitedPromoter and Promoter Group29.78%
- Rohit GuptaPromoter and Promoter Group16.57%
- Aadi Financial Advisors LlpPublic Shareholding3.38%
- Geecee Holdings LlpPublic Shareholding3.18%
As of 2026-06-30View all shareholders →