MarketFriction

CSL Finance Ltd

NSE CSLFINANCE · BSE 530067 · Non Banking Financial Company (NBFC)
₹208.34 -1.19%
NSE close2026-10-01
52 week range208.81 - 324.70
Market cap₹479 Cr.
P/E5.50
Price band 20% Delivery 63.4%

Price

Drag to pan, scroll or pinch to zoom. Ruler (or Shift + drag) measures a move.Dashed lines: 52 week high and low. Prices adjusted for splits and bonuses.

Financials

Standalone, Rs crore
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue384547515453575964646970
Interest91113141617181821222324
Expenses91010121414131314171516
Financing Profit202423252523252829263130
Financing Margin %53%53%50%48%46%42%45%47%46%40%44%43%
Other Income000000000000
Depreciation000000001111
Profit before tax202423252523252829253030
Tax %27%30%21%25%28%26%24%23%15%18%36%25%
Net Profit151719181817192124211922
EPS in Rs6.507.348.158.127.837.368.339.3610.749.188.529.72
Gross NPA %0.55%0.40%0.44%0.45%0.54%0.38%0.46%0.56%0.51%1.00%1.10%0.95%
Net NPA %0.32%0.23%0.25%0.26%0.32%0.23%0.34%0.42%0.39%0.75%0.81%0.60%
Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue44404158616275117166216256267
Interest13612117112743658489
Expenses25139111815192837525962
Financing Profit18242635324045628698114115
Financing Margin %41%59%63%60%53%65%61%53%52%46%45%43%
Other Income0000000010-01
Depreciation000111111222
Profit before tax18242634323945628697112114
Tax %29%31%30%30%29%30%25%26%26%26%23%
Net Profit131618242228334663728687
EPS in Rs9.3311.7310.2112.8612.1514.8816.1322.0127.8131.6437.8038.16
Dividend Payout %0%3%5%5%7%7%15%11%9%9%26%
10 Years5 Years3 YearsTTM1 YearLast Year
Compounded Sales Growth19%33%30%19%
Compounded Profit Growth21%26%24%16%
Stock Price CAGR12%13%-14%-24%
Return on Equity13%14%15%15%
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital55566662020222222
Reserves8194110178205226253301342452519599
Borrowing29311021249884206410505695856
Other Liabilities3342124566810
Total Liabilities901101492883363323485327799851,2451,488
Fixed Assets011143368898
CWIP000000000000
Investments810000000000
Other Assets811091482863323293455267719781,2361,479
Total Assets901101492883363323485327799851,2451,488
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity-3-19-13-109-153322-158-166-128-102-57
Cash from Investing Activity7124-1-1-0-0-4-2-1-9-1
Cash from Financing Activity-361810223-27-1715719614312170
Net Cash Flow0-19-8755-527141013
Free Cash Flow-3-19-14-109-173322-162-169-129-104-58
CFO/OP-1%-71%-21%-308%-10%98%69%-261%-169%-80%-46%-14%
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %9%14%15%12%12%10%11%12%13%15%14%15%
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters47.71%47.71%47.71%47.43%47.43%47.49%47.56%47.56%47.56%47.56%47.66%48.16%
FIIs0.04%1.48%2.22%2.54%2.51%2.47%0.83%0.79%0.77%0.62%0.16%0.10%
DIIs1.22%1.23%1.23%1.23%1.23%0.13%0.56%0.91%0.96%1.34%2.90%3.54%
Public49.43%48.05%47.32%47.36%47.40%48.47%49.62%49.46%49.41%49.19%47.98%46.90%
Others1.59%1.53%1.52%1.44%1.44%1.44%1.44%1.30%1.30%1.30%1.30%1.30%
No. of Shareholders5,5175,9417,0577,6068,6499,2789,1858,8818,8498,5208,2268,342

Fundamentals

Market Cap₹ 479 Cr.
Current Price₹ 211
Stock P/E5.50
Book Value₹ 273
ROCE14.5 %
ROE14.9 %
Dividend Yield1.42 %
Face Value₹ 10.0
Compounded Sales Growth (TTM)19%
Compounded Profit Growth (TTM)16%
Standalone figures.
Valuation
Market capRs 475 Cr
Enterprise valueRs 1,238 Cr
P/E (TTM)5.46x
Price to book0.76x
Price to sales1.78x
EV / EBITDA6.02x
EV / EBIT6.09x
EV / sales4.64x
Earnings yield18.32%
Dividend yield4.74%
P/E, 3-year average10.37x
P/B, 3-year average1.39x
P/E, 5-year average10.16x
P/B, 5-year average1.28x
Profitability
Operating margin (excl. other income)77.15%
Operating margin (incl. other income)77.13%
EBITDA margin77.08%
Pre-tax margin42.85%
Net profit margin32.61%
Net margin, latest quarter31.66%
ROE14.81%
ROCE14.42%
ROA6.30%
ROE, 3-year average14.71%
ROCE, 3-year average14.57%
ROA, 3-year average6.65%
ROE, 5-year average13.80%
ROCE, 5-year average14.02%
ROA, 5-year average6.90%
ROIC (approx.)11.28%
Tax rate23.18%
Other income / net worth-0.01%
Growth
Sales growth (latest year)18.98%
Profit growth (latest year)19.45%
Sales CAGR, 3 years29.78%
Sales CAGR, 5 years32.98%
Profit CAGR, 3 years23.58%
Profit CAGR, 5 years25.62%
Sales growth QoQ1.70%
Profit growth QoQ14.06%
Sales growth YoY (latest quarter)17.70%
Profit growth YoY (latest quarter)3.89%
Per share
EPS (TTM)Rs 38.17
EPS (latest year)Rs 37.80
EPS (latest quarter)Rs 9.72
EPS, 3-year averageRs 32.42
EPS, 5-year averageRs 27.08
Book value per shareRs 272.83
Sales per shareRs 117.02
Cash flow per shareRs -24.87
Free cash flow per shareRs -25.46
Dividend per share (latest year)Rs 9.87
Dividend per share, 3-year averageRs 5.10
Dividend per share, 5-year averageRs 4.03
Dividends
Dividend payout26.12%
Dividend payout, 3-year average14.77%
Dividend payout, 5-year average14.11%
Efficiency
Asset turnover0.17x
Fixed asset turnover31.23x
Leverage
Total debtRs 856 Cr
Cash and bankRs 93 Cr
Net debtRs 763 Cr
Debt to equity1.38x
Net debt / EBITDA3.71x
Interest coverage2.28x
Owners' fund to total sources41.78%
Debt to assets57.52%
Cash flow
Cash from Operating Activity (latest year)Rs -57 Cr
Cash from Investing Activity (latest year)Rs -1 Cr
Cash from Financing Activity (latest year)Rs 70 Cr
Net Cash Flow (latest year)Rs 13 Cr
Free cash flow (latest year)Rs -58 Cr
FCFE (approx.: FCF + change in debt)Rs 103 Cr
Cash from ops / profit, 5 years-2.04x
Statement figures
Net sales (TTM)Rs 267 Cr
Net sales (latest year)Rs 256 Cr
Sales (latest quarter)Rs 70 Cr
Operating profit excl. other income (latest year)Rs 198 Cr
Operating profit (latest quarter)Rs 54 Cr
Other income (TTM)Rs 1 Cr
EBITDA (TTM)Rs 205 Cr
PBDT (TTM)Rs 116 Cr
Profit before tax (TTM)Rs 114 Cr
Tax (latest year)Rs 26 Cr
Net profit (TTM)Rs 87 Cr
Net profit (latest year)Rs 86 Cr
Net profit (latest quarter)Rs 22 Cr
Depreciation (TTM)Rs 2 Cr
Depreciation (latest quarter)Rs 1 Cr
Interest (TTM)Rs 89 Cr
Cost of goods sold (latest year)Rs 3 Cr
Total expenditure (latest year)Rs 59 Cr
Total income (latest year)Rs 256 Cr
Share capitalRs 22 Cr
ReservesRs 599 Cr
Shareholders' fundsRs 622 Cr
Total assetsRs 1,488 Cr
Net blockRs 8 Cr
Capital work in progressRs 0 Cr
Other liabilitiesRs 10 Cr
Shares outstanding (crore)2.28
Ownership
Promoter holding48.16% (+0.60 in a year)
Computed by MarketFriction from the standalone statements. Returns use average balances.
P/E 5.5 is at the 3th percentile of its own 9.4-year range (median 12.0, low 5.3, high 33.4).
P/B 0.76 is at the 6th percentile (median 1.37).
Monthly. Market cap from split-adjusted price; profit and book value as reported by that month. A low percentile means cheap versus its own history, not cheap versus peers.
PeriodCSLFINANCENifty 50Difference
1 week-1.6%-2.8% +1.2 pts
1 month-12.1%-6.8% -5.3 pts
3 months-7.9%-7.6% -0.3 pts
6 months-5.3%+0.4% -5.7 pts
1 year-27.4%-9.9% -17.5 pts
2 years-54.0%-13.6% -40.5 pts
3 years-36.6%+14.2% -50.7 pts
5 years+86.9%+27.9% +59.0 pts

Red flags

F-score 3 of 8
explainWeak cash conversion Cash from operations was -129% of net profit over the last 3 years
Checks on the latest reported years: cash vs profit, accruals, receivables and inventory vs sales, dilution, debt, interest cover, equity, other income, losses, and auditor, top-management, insolvency and regulator filings in the last 12 months. A flag asks for an explanation; it is not a verdict.

Latest quarter

Jun 2026
Revenue ₹70 Cr +18.6% vs Jun 2025. Net profit ₹22 Cr +4.8%.
Against our estimate for Jun 2026: sales -1.9%, profit -9.8% miss. Our estimate for Sep 2026: sales Rs 77 Cr, profit Rs 25 Cr (how).

Activity

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No bulk or block deals on record.
Ex-dateActionFactor
2026-09-11Dividend - Rs 3 Per Share & Special Dividend Rs 7 Per Share
2025-09-12Dividend - Rs 3 Per Share
2024-09-13Annual General Meeting/Dividend - Rs 2.50 Per Share
2023-09-15Annual General Meeting/Dividend - Rs 2.50 Per Share
2022-09-16Annual General Meeting/Dividend - Rs 2.50 Per Share
DateTypeWhat it says
2026-10-01General UpdatesGeneral Updates
Company filings to NSE, newest first. Routine notices (trading window, newspaper copies) are left out. Click a row for the filing.
No short selling reported to NSE in our files.
Short sales disclosed by brokers to NSE, by trade date. Collected since late September 2026.
Not on any NSE surveillance list in the latest file.

Quick answers

What is the market cap of CSL Finance Ltd?

CSL Finance Ltd (CSLFINANCE) has a market capitalisation of Rs 479 Cr. at the 2026-10-01 close.

What is the P/E ratio of CSL Finance Ltd?

CSL Finance Ltd trades at a P/E of 5.50 on trailing twelve-month profit, at the 2026-10-01 close.

What were CSL Finance Ltd's latest quarterly results?

In the Jun 2026 quarter, CSL Finance Ltd revenue was Rs 70 Cr (+18.6% vs Jun 2025) and net profit was Rs 22 Cr.

What is the 52-week high and low of CSL Finance Ltd?

The 52-week high is Rs 324.70 and the 52-week low is Rs 208.81.

Data: NSE and BSE daily reports, company filings. Numbers only, not investment advice, not a SEBI-registered research service.AboutMethodologyFAQResearchContactTermsPrivacyDisclaimerUpdated 2026-10-03