Revenue GrowthSustained revenue growth of ~26.6% year-over-year reflects durable expansion of the lending book and greater product penetration. Over 2–6 months this indicates an expanding customer base and underwriting volume that can support future scale and reinvestment in lending operations.

Margin SustainabilityConsistently healthy gross and stable EBIT/EBITDA margins point to durable pricing power or disciplined cost control in core lending operations. This margin resilience supports the ability to absorb higher credit costs or funding expenses without immediate profit erosion.

Equity Base & ROEA solid equity ratio combined with positive ROE provides a buffer against credit losses and supports regulatory capital stability for an NBFC. Over months this equity base enhances resilience to provisioning spikes and underpins continued lending capacity.

Bears Say

High LeverageElevated debt-to-equity increases funding and solvency risk for an NBFC, making the firm more sensitive to interest-rate moves and funding squeezes. Over a multi-month horizon, leverage amplifies earnings volatility and could constrain growth if access to capital tightens.

Weak Cash GenerationPersistent negative operating and free cash flows mean accounting profits are not converting into cash, reducing internal funding for loans or reserves. This structural cash shortfall forces dependence on external funding and limits financial flexibility over the medium term.

Reliance On External FundingDependence on financing cash inflows to sustain operations increases refinancing and liquidity risk for the firm. If market credit conditions worsen or borrowing costs rise, the company may face higher funding costs and constrained growth, impacting margins and loan origination capacity.

CSL Finance Limited News

CSL Finance to Join Virtual Bharat Connect 2026 Investor Conference

An announcement from CSL Finance Limited ( ($IN:CSLFINANCE) ) is now available. CSL Finance Limited has announced that...

5d ago

CSL Finance Opens One-Year Special Window to Dematerialise Old Physical Shares

CSL Finance Limited ( ($IN:CSLFINANCE) ) just unveiled an update. CSL Finance Limited has notified exchanges and shareholders...

13d ago

CSL Finance Opens Special Window for Share Transfer Requests

CSL Finance Limited ( ($IN:CSLFINANCE) ) has shared an update. CSL Finance Limited has announced the opening of...

3M ago

CSL Finance Limited Announces Key Management Change

CSL Finance Limited ( ($IN:CSLFINANCE) ) has shared an update. CSL Finance Limited has announced the resignation of...

9M ago

CSLFINANCE FAQ

What was CSL Finance Limited’s price range in the past 12 months?

CSL Finance Limited lowest stock price was ₹226.70 and its highest was ₹380.00 in the past 12 months.

What is CSL Finance Limited’s market cap?

CSL Finance Limited’s market cap is ₹5.62B.

When is CSL Finance Limited’s upcoming earnings report date?

CSL Finance Limited’s upcoming earnings report date is May 21, 2026 which is in 72 days.

How were CSL Finance Limited’s earnings last quarter?

CSL Finance Limited released its earnings results on Feb 13, 2026. The company reported ₹9.303 earnings per share for the quarter, beating the consensus estimate of N/A by ₹9.303.

Is CSL Finance Limited overvalued?

According to Wall Street analysts CSL Finance Limited’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does CSL Finance Limited pay dividends?

CSL Finance Limited pays a Annually dividend of ₹3 which represents an annual dividend yield of 0.93%. See more information on CSL Finance Limited dividends here

What is CSL Finance Limited’s EPS estimate?

CSL Finance Limited’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does CSL Finance Limited have?

CSL Finance Limited has 22,782,621 shares outstanding.

What happened to CSL Finance Limited’s price movement after its last earnings report?

CSL Finance Limited reported an EPS of ₹9.303 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -1.11%.

Which hedge fund is a major shareholder of CSL Finance Limited?

Currently, no hedge funds are holding shares in IN:CSLFINANCE

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Company Description

CSL Finance Limited

CSL Finance Limited, a non-banking financial company, engages in the wholesale and SME retail lending businesses in India. It offers loans for real estate developers, such as loans against property and securities; loan for small builders, including construction finance, and refinance and inventory funding; corporate loans; and loans for education, medical, agriculture, and FMCG trading industries, as well as Salaried professionals. The company was formerly known as Consolidated Securities Limited and changed its name to CSL Finance Limited in January 2016. CSL Finance Limited was incorporated in 1992 and is based in Noida, India.