CRISIL Limited (CRISIL) AI Stock Analysis

• Market Cap: ₹373.99B
• Dividend Yield: 1.13%
• Average Volume (3M): 1.63K
• Price to Earnings (P/E): 51.4
• Beta (1Y): 0.67
• Revenue Growth: 6.03%
• EPS Growth: 11.92%
• Country: IN
• Employees: 4,666
• Sector: Services
• Sector Strength: N/A
• Industry: Financial - Data & Stock Exchanges
• EPS (TTM): 23.46
• Shares Outstanding: 73,130,020
• 10 Day Avg. Volume: 1,354
• 30 Day Avg. Volume: 1,633
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ₹5,607.00
• Price Target Upside: 7.78% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 61 Neutral
• Price Target: ₹5,607.00 ▲(7.78% Upside)

CRISIL's strong financial performance is the most significant factor, showcasing robust growth and stability. However, bearish technical indicators and high valuation metrics weigh on the overall score, suggesting potential caution for investors. The lack of earnings call and corporate events data means these factors do not influence the score.

CRISIL Limited Business Overview & Revenue Model

Company Description

CRISIL Limited (CRISIL) is a leading global analytical company headquartered in India, primarily engaged in providing ratings, research, risk, and policy advisory services. It operates across various sectors including financial services, infrastructure, and corporates. CRISIL is renowned for its credit ratings, which are utilized by investors, issuers, and regulators worldwide to make informed decisions. The company also offers a wide range of analytics, including data and insights, which support clients in understanding and mitigating risks.

How the Company Makes Money

CRISIL makes money through multiple revenue streams. The primary source of its revenue is the credit rating services it provides to financial institutions, corporations, and governments, which involves evaluating the creditworthiness of these entities. Another significant revenue stream comes from its research and risk advisory services, where CRISIL offers detailed market insights and risk management solutions. Additionally, the company generates income through its policy advisory services, helping clients with regulatory, strategic, and operational challenges. CRISIL's partnerships and collaborations with global entities such as S&P Global also contribute to its earnings, expanding its market reach and service offerings.

CRISIL Limited Financial Statement Overview

Summary

CRISIL Limited demonstrates strong financial performance with consistent revenue and profit growth, efficient cost management, and robust cash flow generation. The company maintains a low leverage profile with a solid equity base, enhancing its financial stability. Despite some volatility in free cash flow growth, CRISIL shows resilience and strong financial health.

Income Statement

CRISIL Limited demonstrates strong revenue growth with a stable increase from 2020 to 2024, reflecting a CAGR of approximately 14.2%. Gross profit margin remains robust, maintaining around 45-46% in recent years, indicating efficient management of production costs. The net profit margin has improved to 21% in 2024 from 17.9% in 2020, showcasing enhanced profitability. EBIT and EBITDA margins are also solid, with consistent improvements. Overall, CRISIL displays a healthy growth trajectory and operational efficiency, despite a dip in EBIT margin in 2023, which recovered in 2024.

Balance Sheet

The company's balance sheet is strong with a low debt-to-equity ratio, decreasing from 0.15 in 2019 to 0.10 in 2024, indicating low leverage. Return on equity is impressive, increasing to 26.7% in 2024 from 26.5% in 2020, suggesting effective use of equity financing. The equity ratio is stable around 65%, reflecting a strong capital structure with substantial shareholder equity. CRISIL's financial stability is evident with increasing stockholders' equity and maintaining minimal debt levels.

Cash Flow

CRISIL exhibits robust operating cash flows that have grown consistently over the years, supporting its free cash flow generation. The operating cash flow to net income ratio is stable, reflecting efficient cash conversion. However, free cash flow growth has been volatile, declining by 17.5% from 2023 to 2024. Despite this, CRISIL's free cash flow to net income ratio indicates strong cash generation relative to earnings, highlighting operational efficiency.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	32.60B	31.40B	27.69B	23.01B	19.82B
Gross Profit	14.95B	13.92B	13.78B	11.39B	10.17B
EBITDA	10.00B	9.75B	8.52B	7.33B	5.94B
Net Income	6.84B	6.58B	5.64B	4.66B	3.55B
Balance Sheet
Total Assets	39.42B	33.15B	28.31B	25.04B	22.07B
Cash, Cash Equivalents and Short-Term Investments	13.74B	11.82B	8.43B	7.42B	5.84B
Total Debt	2.50B	473.20M	834.60M	1.32B	2.24B
Total Liabilities	13.77B	11.25B	10.39B	9.25B	8.95B
Stockholders Equity	25.65B	21.89B	17.92B	15.78B	13.12B
Cash Flow
Free Cash Flow	5.92B	7.17B	4.15B	3.80B	4.66B
Operating Cash Flow	7.65B	7.80B	4.56B	4.03B	5.00B
Investing Cash Flow	-3.86B	-3.27B	-616.40M	-882.50M	-3.23B
Financing Cash Flow	-4.42B	-4.08B	-3.68B	-2.91B	-2.65B

CRISIL Limited Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 5202.10
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:CRISIL, the sentiment is Neutral. The current price of 5202.1 is below the 20-day moving average (MA) of 5441.46, below the 50-day MA of 5628.46, and above the 200-day MA of 5190.92, indicating a neutral trend. The MACD of -146.64 indicates Positive momentum. The RSI at 37.94 is Neutral, neither overbought nor oversold. The STOCH value of 32.98 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IN:CRISIL.

CRISIL Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ICRA	67 Neutral	₹58.89B	33.18		0.99%	10.80%	21.15%
CARERATING	65 Neutral	₹49.14B	34.47		1.10%	21.24%	36.98%
CRISIL	61 Neutral	₹373.99B	51.39		1.13%	6.03%	11.92%
Sector *	54 Neutral	C$45.05M	57.91	15.08%	4.51%	1.39%	-26.37%

CRISIL Limited Corporate Events

Crisil Faces GST Penalty Demand, Plans Appeal

Crisil Limited has received an assessment order from the Office of the State Tax Officer in Tamil Nadu, demanding a penalty of INR 7,94,81,488 for the financial year 2020-21 under the GST Act, 2017, concerning GST on Export of Services. The company has stated that this demand will not materially impact its financials or operations and plans to file an appeal against the order.