CRISIL Limited (CRISIL) AI Stock Analysis

• Market Cap: ₹338.19B
• Dividend Yield: 1.38%
• Average Volume (3M): 4.38K
• Price to Earnings (P/E): 45.1
• Beta (1Y): 0.77
• Revenue Growth: 6.61%
• EPS Growth: 11.88%
• Country: IN
• Employees: 4,666
• Sector: Services
• Sector Strength: N/A
• Industry: Financial - Data & Stock Exchanges
• EPS (TTM): 26.41
• Shares Outstanding: 73,130,020
• 10 Day Avg. Volume: 6,165
• 30 Day Avg. Volume: 4,375
• PEG Ratio: 18.46
• Price to Book (P/B): 18.97
• Price to Sales (P/S): 14.92
• P/FCF Ratio: 82.19
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 61 Neutral
• Price Target: ₹4,771.00 ▲(1.21% Upside)

CRISIL Limited's overall stock score is driven primarily by its strong financial performance, which is offset by bearish technical indicators and a high valuation. The company's robust financial health and stability are significant strengths, but the current market sentiment and valuation metrics suggest caution.

Positive Factors

Revenue Growth

Consistent revenue growth indicates expanding market reach and product adoption, strengthening CRISIL's position in the financial analytics industry.

Balance Sheet Health

A low debt-to-equity ratio enhances financial stability, providing CRISIL with the flexibility to invest in growth opportunities and withstand economic fluctuations.

Profitability

Improved profitability through higher net profit margins reflects efficient cost management and a strong business model, ensuring sustainable earnings growth.

Negative Factors

Free Cash Flow Volatility

Volatility in free cash flow growth can impact CRISIL's ability to fund new projects or return capital to shareholders, posing a risk to financial flexibility.

Technical Analysis

A bearish technical trend may reflect underlying investor concerns, potentially affecting CRISIL's market perception and stock liquidity in the medium term.

Valuation Concerns

High valuation ratios can limit future stock price appreciation and may deter value-focused investors, impacting CRISIL's market appeal.

CRISIL Limited Business Overview & Revenue Model

Company Description

CRISIL Limited (CRISIL) is a global analytical company providing ratings, research, risk, and policy advisory services. Established in 1987 and headquartered in Mumbai, India, CRISIL operates primarily in the financial services sector, offering insights and analytical tools to clients across various industries. Its core products include credit ratings, research reports, risk assessment solutions, and economic advisory services, catering to a diverse client base that includes corporations, banks, and government entities.

How the Company Makes Money

CRISIL generates revenue through multiple streams, primarily from its Ratings, Research, Risk, and Policy Advisory services. The Ratings segment earns income from fees charged for credit ratings and related services, which are essential for entities seeking to raise capital. The Research segment derives revenue from providing market analysis, industry reports, and economic forecasts to clients in various sectors. The Risk segment offers risk management solutions and analytics, which are increasingly crucial for financial institutions and corporations. Additionally, CRISIL has established partnerships with various financial institutions and regulatory bodies, enhancing its service offerings and contributing to its revenue growth. The company also benefits from its global presence, allowing it to tap into international markets for its services.

CRISIL Limited Financial Statement Overview

Summary

CRISIL Limited shows 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 demonstrates 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	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	33.81B	32.60B	31.40B	27.69B	23.01B	19.82B
Gross Profit	17.83B	16.81B	13.92B	13.78B	11.39B	5.33B
EBITDA	10.87B	10.00B	9.75B	8.52B	7.33B	5.94B
Net Income	7.28B	6.84B	6.58B	5.64B	4.66B	3.55B
Balance Sheet
Total Assets	42.31B	39.42B	32.97B	28.31B	25.04B	22.07B
Cash, Cash Equivalents and Short-Term Investments	13.06B	13.74B	11.52B	8.43B	7.42B	5.84B
Total Debt	2.98B	2.50B	473.20M	834.60M	1.32B	2.24B
Total Liabilities	14.14B	13.77B	11.08B	10.39B	9.25B	8.95B
Stockholders Equity	28.17B	25.65B	21.89B	17.92B	15.78B	13.12B
Cash Flow
Free Cash Flow	0.00	5.92B	7.17B	4.15B	3.80B	4.66B
Operating Cash Flow	0.00	7.65B	7.80B	4.56B	4.03B	5.00B
Investing Cash Flow	0.00	-3.86B	-3.27B	-616.40M	-882.50M	-3.23B
Financing Cash Flow	0.00	-4.42B	-4.08B	-3.68B	-2.91B	-2.65B

CRISIL Limited Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 4713.95
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• 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 Negative. The current price of 4713.95 is above the 20-day moving average (MA) of 4639.91, above the 50-day MA of 4496.49, and below the 200-day MA of 4962.22, indicating a neutral trend. The MACD of 6.81 indicates Positive momentum. The RSI at 46.99 is Neutral, neither overbought nor oversold. The STOCH value of 27.19 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CARERATING	75 Outperform	₹46.76B	30.49	―	1.23%	19.50%	33.27%
ICRA	72 Outperform	₹57.34B	30.93	―	0.97%	8.06%	24.52%
CRISIL	61 Neutral	₹338.19B	45.14	―	1.38%	6.61%	11.88%
Sector *	55 Neutral	$13.29B	17.42	10.03%	0.93%	7.13%	-12.93%

CRISIL Limited Corporate Events

CRISIL Discloses GST Penalty Order, Plans to Appeal

CRISIL Limited has disclosed that it received an assessment order under the GST Act, 2017 from the Office of the Assistant Commissioner of CGST & Central Tax, Division-VIII, Mumbai East, relating to a show cause notice over an alleged disagreement on the admissibility of credit notes for the financial year 2018-19. The order imposes a penalty demand of ₹40.72 lakh for FY 2018-19, but CRISIL has stated that the matter has no material impact on its financials, operations or other activities, and the company intends to file an appeal against the demand, signalling that it views the issue as a manageable tax dispute rather than a development affecting its core business or strategic position.

CRISIL Opens Special Window for Physical Share Transfers

CRISIL Limited has announced the opening of a special window for the re-lodgement of transfer requests for physical shares. This move, disclosed under Regulation 30 of the SEBI Listing Regulations, is aimed at facilitating shareholders in transferring their physical shares, as communicated through newspaper advertisements in Financial Express and Sakal.

CRISIL Updates Q3 2025 Financial Presentation

CRISIL Limited announced a revision in their Q3 2025 corporate presentation, specifically correcting the Profit after Tax figures for the first nine months of 2024 and 2025. This correction does not affect any other financial information in the presentation, ensuring stakeholders have accurate data for decision-making.

CRISIL Limited Releases Q3 2025 Financial Results

CRISIL Limited has released its corporate presentation for the third quarter of the fiscal year 2025, which includes updated financial results. This presentation will soon be available on the company’s website, offering stakeholders insights into the company’s financial performance and strategic direction.