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Prices as of 9 Oct 2026 close · Not investment advice

CSL Finance Limited

NSE: CSLFINANCENon Banking Financial Company (NBFC)

Share price

₹203.28

+0.37% close of 9 Oct 2026

Market cap ₹447 CrP/E 5.2

Price-based ratios (P/B, dividend yield, EV/EBITDA) are as of 5 Oct 2026, the close above is 9 Oct 2026.

Business score

How strong the business is, in one number. The parts behind it are in Pro.

84

out of 100 · worked out 9 Oct 2026

How the business score works

Your ratios

The numbers you want to see first. Tap Edit to change them.

Market cap

₹447 Cr

P/E ratio

5.2

P/B ratio

0.7

ROCE

14.5%

ROE

14.8%

Dividend yield

1.4%

Price & valuation chart

How the share price and its valuation have moved. Hover over the chart to see any day. Prices as of the last close.

Prices as of 9 Oct 2026 close52-week high ₹321.7052-week low ₹202.53

Answers

Simple answers to the questions investors ask most, from the company's own numbers.

How fast it has been growing

Our sales figures for this company step up at Jun 2015 and we hold nothing that says why, so we cannot honestly quote a growth rate across it.

Whether it grew faster than its sector

Our sales figures for this company step up at Jun 2015 and we hold nothing that says why, so there is no honest growth rate of its own to set against its sector.

Room to re-rate, or risk of de-rating

At 5.2× earnings against a market that pays 24.1× across 2199 companies we can price. Its own industry sits at 19.9×, across 5 companies. It is against its own five-year median of 13.4×, the 0th percentile of its own range.

Whether growth justifies the valuation

Priced at 0.2 times its growth rate, on earnings growth of 24%.

Profit growthPrice per ₹1 profitPer 1% growth
CSL Finance Limited — this one24%/yr5.2×₹0.22
Sundaram Finance Limited17%/yr19.9×₹1.2
Mahindra & Mahindra Financial Services Limited12%/yr13.3×₹1.1
Poonawalla Fincorp Limited5%/yr46.0×₹9.2
Manappuram Finance Limited-13%/yr20.4×—
IIFL Finance Limited3%/yr12.1×₹4.0

Compared with companies filed under the same label. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

How it compares with its peers

Against companies the exchange files under the same label (Non Banking Financial Company (NBFC)), it ranks 10 of 73 on returns, 63 of 68 on growth. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

What makes it hard to beat — and is that still true?

A narrow advantage: it earns 14.8% on capital, ahead of 86% of companies filed under the same label. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

Whether its growth pays for itself

This question does not fit a lender: the money it lends out is its day-to-day outflow and the deposits or premiums it takes are the inflow, so a cash bridge cannot say whether its growth pays for itself. Look at the return on owners' money instead.

Profit reality check

Is the profit real cash? Simple checks on the accounts. Facts only, not advice.

Not enough filed accounts to run these checks yet.

How the profit check works

Latest result · Q1 FY27

What the last results showed. Whether management kept its word is in Pro.

Announced 12 Aug 2026 · Standalone · Unaudited

Revenue

₹70 Cr

Net profit

₹22 Cr

Profit vs last year

+5.5%

Profit vs last quarter

+16.6%

Net margin

31.7%

EPS

₹9.72

Checklist before you investPRO

Points for and against, in one list.

Key numbers & peers

The main numbers grouped by topic, and how the company compares with similar ones.

Price

Market cap
₹447 Cr
Prev close
₹203.28
52w High
₹325
52w Low
₹200
Enterprise value
—
Beta
1.2
Price CAGR 1y
-28.0%
Price CAGR 3y
-15.0%
Price CAGR 5y
12.0%
Price CAGR 10y
11.0%

Ratios

Return on assets
5.8%
PEG ratio
0.2
P/E ratio
5.2
P/B ratio
0.7
EV / EBITDA
—
Industry P/E
16.7
ROCE
14.5%
ROCE 5y average
—
ROE
14.8%
Debt / Equity
1.4
Interest coverage
—
Dividend yield
1.4%
ROE 3y average
15.0%
ROE last year
15.0%

Annual P&L

Annual revenue
₹256 Cr
Annual profit
₹86 Cr
Operating margin
45.0%
Net profit margin
33.6%
EBITDA margin
44.5%
Sales growth 3y
29.8%
Sales growth 5y
32.8%
Profit growth 3y
24.0%
Profit growth 5y
26.0%
EPS
₹37.8
Sales growth TTM
19.0%
Profit growth TTM
16.0%
Dividend payout
26.0%

Quarter P&L

Sales latest quarter
₹70 Cr
Profit latest quarter
₹22 Cr
YoY quarterly sales growth
17.7%
YoY quarterly profit growth
4.8%
OPM latest quarter
43.0%

Balance Sheet

Book Value
₹282
Face Value
₹10.0
Total debt
₹856 Cr
Total cash
₹93 Cr
Borrowings
₹856 Cr
Reserves / Equity
27.2

Cash Flow

Operating cash flow
-₹57 Cr
Free cash flow
-₹58 Cr
FCF yield
—
Net cash flow
₹13 Cr

Shareholding

Promoter holding
48.2%
FII holding
0.1%
DII holding
3.5%
Public holding
46.9%

Peer comparison

CompanyPrice ₹P/EMkt cap ₹ CrDiv yield %Profit qtr ₹ CrProfit var %Sales qtr ₹ CrSales var %ROCE %
Bajaj Finance948.3028.85,90,4070.576,080.627.423,165.518.610.9
Shriram Finance945.0019.62,22,3631.143,452.859.913,400.416.211.5
Tata Capital319.3024.91,35,5390.181,628.256.38,821.915.18.6
Cholaman.Inv.&Fn1,580.0023.51,34,9900.131,656.245.68,856.321.99.7
Muthoot Finance2,697.109.51,08,2801.112,824.838.88,671.634.415.8
L&T Finance Ltd264.3520.766,2551.04916.028.75,212.922.48.4
SBI Cards563.2023.653,5970.44664.419.55,040.63.410.1
CSL Finance208.345.54751.4422.23.970.017.714.5
Median134.8019.64680.0011.138.349.128.39.5

Competes with: Bajaj Finance, Cholamandalam Investment & Finance, HDB Financial Services Limited, L&T Finance Limited, Muthoot Finance, SBI Cards & Payment Services, Shriram Finance Limited, Tata Capital Limited

Quarterly results

Sales and profit for each of the last 13 quarters. Newest on the right. ₹ crore.

Standalone · to 30 Jun 2026
Line itemJun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue35384547515453575964646970
Expenses891010121414131314171516
Financing Profit18202423252523252829263130
Financing Margin %52535350484642454746404443
Other Income0000000000000
Interest991113141617181821222324
Depreciation0000000001111
Profit before tax18202423252523252829253030
Tax %27273021252826242315183625
Net Profit13151719181817192124211922
EPS in Rs6.396.507.348.158.127.837.368.339.36119.188.529.72
Gross NPA %0.750.550.400.440.450.540.380.460.560.5111.100.95
Net NPA %0.430.320.230.250.260.320.230.340.420.390.750.810.60

Profit & loss

Yearly sales, costs and profit for 12 years, plus the last 12 months (TTM). ₹ crore.

Standalone · to 31 Mar 2026
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue9344404158616275117166216256267
Expenses8025139111815192837525962
Financing Profit1218242635324045628698114115
Financing Margin %13415963605365615352464543
Other Income10000000010-01
Interest113612117112743658489
Depreciation0000111111.381.722.102
Profit before tax1218242634323945628697112114
Tax %352931303029302526262623
Net Profit8131618242228334663728687
EPS in Rs5.719.331210131215162228323838
Dividend Payout %003557715119926

Compounded growth

Average yearly growth over different spans, as stored. A span can cross a demerger or an acquisition.

Compounded sales growth

10 years
19%
5 years
33%
3 years
30%
TTM
19%

Compounded profit growth

10 years
21%
5 years
26%
3 years
24%
TTM
16%

Stock price CAGR

10 years
11%
5 years
12%
3 years
-15%
1 year
-28%

Return on equity

10 years
13%
5 years
14%
3 years
15%
Last year
15%

Balance sheet

What the company owns and what it owes, at the end of each year. ₹ crore.

Standalone
Line itemMar 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

Cash flows

Real money coming in and going out each year — from the business, from investments and from loans. ₹ crore.

Standalone
Line itemMar 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

Ratios

How fast customers pay, how long stock sits, and how well capital earns — year by year.

Standalone
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %91415121210111213151415

Shareholding pattern

Who owns the company — founders (promoters), foreign funds, Indian funds and the public. In %.

Standalone · to 30 Jun 2026
Line itemSep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters484848474747484848484848
FIIs0.041.482.222.542.512.470.830.790.770.620.160.10
DIIs1.221.231.231.231.230.130.560.910.961.342.903.54
Public494847474748504949494847
Others1.591.531.521.441.441.441.441.301.301.301.301.30
No. of Shareholders5,5175,9417,0577,6068,6499,2789,1858,8818,8498,5208,2268,342

Price trend

The price as a Renko brick chart: small moves drop out so the bigger path stands out.

Change over 1 year -28.8% (₹285.35 → ₹203.28)Brick size ₹7.57 (fixed)Bricks 42
₹250₹300₹203Nov '25Jan '26Mar '26May '26Jul '26Sep '26
Price moved up one brickPrice moved down one brickLast close ₹203.28 on 9 Oct 2026

Every brick is the same size, about one typical day's move. A new brick needs a full brick's move; turning the other way needs two. Bricks show where the price went, not where it will go.

Open interestPRO

Where option traders are positioned on this stock.

Industry numbers

The numbers that matter most in this industry, from the company's own filings.

1 when an audit qualification is filed as repetitive

0.00flag

2026-03-31

AUM / loan book

1,505inr_cr

2026-06-30

capital adequacy (CRAR) %

42.90pct

2026-06-30

the company's own unlisted debt securities in default at period end

0.00cr

2026-06-30

disbursements

321inr_cr

2026-06-30

gross NPA %

0.95pct

2026-06-30

the company's own loans / revolving facilities in default at period end (standalone filing)

0.00cr

2026-06-30

net NPA %

0.60pct

2026-06-30

guarantees / comfort given for promoter, promoter group, directors and KMP

0.00cr

2026-09-30

loans outstanding to promoter, promoter group, directors and KMP (governance filing)

0.00cr

2026-09-30

security given for the borrowing of promoter, promoter group, directors and KMP

0.00cr

2026-09-30

provision coverage %

123pct

2026-06-30

return on assets %

6.30

News

News and filings about CSL Finance Limited. Open one to see why it matters.

Supply chain

Who it buys from, sells to and competes with — as recorded in our map of company links.

Competes with

Depends on the price of

  • Bond Markets
  • Interest Rates

About

What the company is, from our own records: where it sits, where it makes things, and what it is made of.

Sector
Financial Services
Industry
Non Banking Financial Company (NBFC)
Classification
Financial Services › Non Banking Financial Company (NBFC)
ISIN
INE718F01018

News impact

Big market events that reach CSL Finance Limited, and how the effect spreads.

No recent market events reach this company.

Dividends, splits & big trades

Money paid out, share splits and buybacks, and big buys or sells by funds and insiders.

Dividends

11 Sep 2026unspecified₹3
11 Sep 2026special₹7
12 Sep 2025unspecified₹3
13 Sep 2024unspecified₹2.5
15 Sep 2023unspecified₹2.5
16 Sep 2022unspecified₹2.5

Splits, bonuses & buybacks

  • daily-prices repair: 7 rows from NSE's archive (replace 2, delete 0, insert 5), 2023-11-12..2026-02-01 (docs/flat_day_repair.md)1× · 12 Nov 2023
  • bse-history fill: 1580 BSE bars before cutoff, code 530067, seam residual 1.00231× · 21 Jul 2022
  • bse-history step 1/3: pre-listing action read from BSE's ruling (d1 0.000)0.3333333333333333× · 9 Aug 2021

Insider trades

DisclosedWhoTypeSharesValue ₹ Cr
9 Oct 2026CSL Capital Private Limited · Promoter GroupBUY2,34,1025.03
9 Oct 2026Rohit Gupta HUF · PromoterSELL2,34,1025.03
9 Oct 2026CSL Capital Private Limited · Promoter GroupBUY31,5840.68
9 Oct 2026Rohit Gupta HUF · PromoterSELL31,5840.68
17 Sep 2026Rohit Gupta HUF · PromoterBUY7,0000.16
17 Sep 2026Rohit Gupta HUF · PromoterBUY3,0000.07
17 Sep 2026Rohit Gupta HUF · PromoterBUY2,0000.04
14 Sep 2026Rohit Gupta HUF · PromoterBUY5,0000.12
7 Sep 2026Rohit Gupta HUF · PromoterBUY5,0000.12
1 Sep 2026Rohit Gupta HUF · PromoterBUY10,0000.23

Documents

Annual reports, results presentations and earnings calls, straight from the source.

Facts from company filings and exchange data. Not investment advice: nothing here tells you to buy or sell.