CSL Finance

₹226.38As of Sun 8 Nov 2026, 12:00 UTC

NSE:CSLFINANCEFinancials

Country India

PE (Fwd) 4.337

TSR 4Y CAGR 0.42%

Div yield 1.33%

ROE —

Credit Services

Beta (5Y) 0.42

PE TTM 6.037

TSR TTM (14.72%)

Mkt cap ₹5.080B

ROIC —

SE Grade™

—

Value

Quality

Moat

—

1Y Price

Reference

₹245

8.01%

137.77%

Price below Reference Value

TTM

FYE 31 Mar INR

FY2017

FY2018

FY2019

FY2020

FY2021

FY2022

FY2023

FY2024

FY2025

FY2026

FY2027E

Trend

5Y

10Y

Peers

2.570

Revenue₹B

—

—

—

—

—

0.748

1.175

1.666

2.160

2.570

3.085

36.15%

36.15%

50

18.97

Revenue growth%

—

—

—

—

—

—

57.10

41.76

29.68

18.97

20.02

35.72

—

68

95.23

Gross margin%

—

—

—

—

—

94.45

96.37

96.56

93.90

95.23

95.29

95.23

95.23

63

76.38

Operating margin%

—

—

—

—

—

74.21

75.45

77.16

74.98

76.38

76.42

75.45

75.45

96

33.51

Net margin%

—

—

—

—

—

44.72

38.83

38.04

33.37

33.51

33.32

38.04

38.04

85

6.037

P/E ratio (avg)x

—

—

—

—

—

—

10.80

13.10

12.26

7.627

5.058

11.53

—

80

2.648

EV/EBITx

—

—

—

—

—

—

5.559

6.459

5.457

3.345

2.205

5.508

—

—

—

FCF yield (avg)%

—

—

—

—

—

—

—

—

—

—

—

—

—

30

—

FCF margin%

—

—

—

—

—

—

—

—

—

—

—

—

—

37

—

FCF / Net incomex

—

—

—

—

—

—

—

—

—

—

—

—

—

39

—

ROIC%

—

—

—

—

—

—

—

—

—

—

—

—

—

92

—

Return on equity%

—

—

—

—

—

—

—

—

—

—

—

—

—

86

—

Return on assets%

—

—

—

—

—

—

—

—

—

—

—

—

—

96

37.50

EPS₹

—

—

—

—

—

17.72

21.39

28.30

31.30

37.50

44.76

20.61%

20.61%

—

19.81

EPS growth%

—

—

—

—

—

—

20.72

32.27

10.60

19.81

19.36

20.27

—

41

—

Bookvalue per sh₹

—

—

—

—

—

—

—

—

—

—

—

—

—

—

—

FCF per share₹

—

—

—

—

—

—

—

—

—

—

—

—

—

—

3.00

Dividend per sh₹

—

—

—

—

—

2.50

2.50

2.50

3.00

3.00

3.12

4.66%

4.66%

—

1.33

Div yield (avg)%

—

—

—

—

—

—

1.08

0.67

0.78

1.05

1.38

0.92

—

44

8.00

Payout ratio%

—

—

—

—

—

14.11

11.69

8.84

9.58

8.00

6.97

9.58

9.58

40

22.96

Shares (diluted)M

—

—

—

—

—

18.87

21.33

22.39

23.03

22.96

◌22.96

5.02%

5.02%

84

0.31

Buyback yield%

—

—

—

—

—

—

(12.99)

(4.99)

(2.87)

0.31

◌—

(3.93)

—

84

—

D/E ratiox

—

—

—

—

—

—

—

—

—

—

—

—

—

41

5.198

Enterprise value₹B

—

—

—

—

—

—

4.929

8.303

8.838

6.568

5.198

10.04%

—

69

—

LT debt₹M

—

—

—

—

—

—

—

—

—

—

—

—

—

59

Peers (US$53.97M)

Cap (US$)

PE

U. Y. Fincorp Limited

61.18M

7.575x

Laxmi India Finance…

56.91M

9.279x

Mangal Credit and…

53.65M

27.13x

PT Wahana Ottomitra…

53.46M

6.264x

Capital

TTM

5Y

10Y

Leveragex

—

—

—

EBIT/Intx

2.349

2.993

2.993

Own earn%

—

—

—

Sh yield%

1.63

(3.20)

(3.20)

Owners

Insiders/Inst%

23.54

1.34

Short interest%

—

SBC / revenue%

0.10

Record

10Y

Profitable years

5/5

Revenue growth years

4/4

EPS growth years

4/4

Dividend streakyrs

1

Op margin range%

74–77

$1 testx

—

Incr. ROIC%

—

CSL Finance Limited, a non-banking financial company, provides SME and wholesale loaning businesses in India.

Growth vs revenue

Latest

Trend

4Y CAGR

Rel growth

Revenue

₹2.570B

36.15%

1.00×

Cost of revenue

₹122.6M

31.09%

0.86×

Operating expenses

₹484.4M

33.74%

0.93×

Revenue by region

No breakdown available

Reinvestment returns

n/m

Trend

Reinvestment rate

n/m

-

Return on capital

n/m

-

Spread over hurdle

n/m

-