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CRISIL Limited (IN:CRISIL)
:CRISIL
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CRISIL Limited (CRISIL) AI Stock Analysis

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IN:CRISIL

CRISIL Limited

(CRISIL)

Rating:67Neutral
Price Target:
₹5,645.00
▲(12.57% Upside)
CRISIL Limited's strong financial performance is the most significant factor, reflecting robust revenue and profit growth, efficient cost management, and financial stability. However, technical indicators suggest bearish momentum, and the high P/E ratio indicates potential overvaluation, which tempers the overall score.

CRISIL Limited (CRISIL) vs. iShares MSCI India ETF (INDA)

CRISIL Limited Business Overview & Revenue Model

Company DescriptionCRISIL 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 MoneyCRISIL 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 shows a strong financial position 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. While free cash flow growth showed some volatility, overall, CRISIL demonstrates resilience and strong financial health.
Income Statement
88
Very Positive
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
85
Very Positive
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
80
Positive
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.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue33.35B32.60B31.40B27.69B23.01B19.82B
Gross Profit14.86B14.95B13.92B13.78B11.39B10.17B
EBITDA10.50B10.00B9.75B8.52B7.33B5.94B
Net Income7.06B6.84B6.58B5.64B4.66B3.55B
Balance Sheet
Total Assets0.0039.42B33.15B28.31B25.04B22.07B
Cash, Cash Equivalents and Short-Term Investments13.69B13.74B11.82B8.43B7.42B5.84B
Total Debt0.002.50B473.20M834.60M1.32B2.24B
Total Liabilities-25.65B13.77B11.25B10.39B9.25B8.95B
Stockholders Equity25.65B25.65B21.89B17.92B15.78B13.12B
Cash Flow
Free Cash Flow0.005.92B7.17B4.15B3.80B4.66B
Operating Cash Flow0.007.65B7.80B4.56B4.03B5.00B
Investing Cash Flow0.00-3.86B-3.27B-616.40M-882.50M-3.23B
Financing Cash Flow0.00-4.42B-4.08B-3.68B-2.91B-2.65B

CRISIL Limited Technical Analysis

Technical Analysis Sentiment
Negative
Last Price5014.75
Price Trends
50DMA
5506.85
Negative
100DMA
5298.26
Negative
200DMA
5183.73
Negative
Market Momentum
MACD
-123.22
Positive
RSI
38.04
Neutral
STOCH
28.99
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:CRISIL, the sentiment is Negative. The current price of 5014.75 is below the 20-day moving average (MA) of 5175.89, below the 50-day MA of 5506.85, and below the 200-day MA of 5183.73, indicating a bearish trend. The MACD of -123.22 indicates Positive momentum. The RSI at 38.04 is Neutral, neither overbought nor oversold. The STOCH value of 28.99 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:CRISIL.

CRISIL Limited Peers Comparison

Overall Rating
UnderperformOutperform
Sector (56)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
74
Outperform
₹60.78B34.24
0.96%10.80%21.15%
67
Neutral
₹366.06B50.30
1.15%6.03%11.92%
65
Neutral
₹48.01B33.66
1.12%21.24%36.98%
56
Neutral
$13.56B12.8310.03%0.92%7.13%-12.93%
* Services Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IN:CRISIL
CRISIL Limited
5,014.75
505.28
11.20%
IN:CARERATING
CARE Ratings Ltd
1,600.75
633.05
65.42%
IN:ICRA
ICRA Limited
6,297.35
150.26
2.44%

CRISIL Limited Corporate Events

CRISIL Publishes Notice on Share Transfer to IEPF
Aug 9, 2025

CRISIL Limited has announced the publication of a notice regarding the transfer of shares to the Investor Education and Protection Fund (IEPF). This move is in compliance with regulatory requirements, ensuring that unclaimed dividends and shares are transferred to the IEPF, which could impact shareholders who have not claimed their dividends for seven consecutive years. The notice has been published in prominent newspapers to inform shareholders and maintain transparency in the company’s operations.

Crisil Faces GST Penalty Demand, Plans Appeal
Jul 27, 2025

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.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Aug 26, 2025