CSL Finance Limited (IN:CSLFINANCE)
:CSLFINANCE
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CSL Finance Limited
(CSLFINANCE)
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Rating:65Neutral
Price Target:
₹260.00
▼(-12.56% Downside)
Action:Reiterated
Date:05/27/26
The score is supported by attractive valuation (low P/E) and solid profit/revenue growth, but is held back by elevated leverage and historically weak/volatile operating cash flow (despite a FY2026 rebound). Technical signals are mixed, with near-term strength but weaker longer-term trend and negative MACD.
Positive Factors
Sustained Revenue Growth
Multi-year top-line expansion to 2.53B demonstrates durable demand for CSL's lending and financing products. Consistent revenue growth provides a broader base to absorb shocks, supports scaling of operations, and underpins longer-term margin recovery and investment in distribution or risk management capabilities.
Negative Factors
Elevated Leverage
Rapid debt accumulation to fund asset growth materially increases refinancing and interest-rate exposure. A higher leverage ratio reduces financial flexibility, raises funding-cost sensitivity, and magnifies downside if asset quality weakens or credit spreads widen, posing a structural risk to capital stability.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained Revenue Growth
Multi-year top-line expansion to 2.53B demonstrates durable demand for CSL's lending and financing products. Consistent revenue growth provides a broader base to absorb shocks, supports scaling of operations, and underpins longer-term margin recovery and investment in distribution or risk management capabilities.
Read all positive factors
CSL Finance Limited (CSLFINANCE) vs. iShares MSCI India ETF (INDA)
Market Cap
₹5.10B
Dividend Yield0.93%
Average Volume (3M)1.40K
Price to Earnings (P/E)6.0
Beta (1Y)1.02
Revenue Growth19.22%
EPS Growth18.92%
CountryIN
Employees389
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)35.78
Shares Outstanding22,782,621
10 Day Avg. Volume1,789
30 Day Avg. Volume1,403
Financial Highlights & Ratios
PEG Ratio0.30
Price to Book (P/B)0.81
Price to Sales (P/S)1.98
P/FCF Ratio5.18
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
CSL Finance Limited Business Overview & Revenue Model
Company Description
CSL Finance Limited is an Indian non-banking financial institution primarily engaged in providing wholesale credit and retail lending services, with a specific focus on small and medium-sized enterprises (SMEs). The company offers a diverse range ...
How the Company Makes Money
CSL Finance Limited primarily makes money through its NBFC business model by earning income on financial assets it originates and holds. Key revenue streams generally include: (1) Interest income from loans and advances: the company earns interest...
CSL Finance Limited Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
62
Positive
Cash Flow
41
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 2.27B | 2.53B | 2.10B | 1.63B | 1.15B | 721.77M |
| Gross Profit | 1.27B | 1.64B | 1.22B | 1.02B | 741.91M | 530.60M |
| EBITDA | 1.02B | 1.14B | 988.52M | 871.60M | 627.41M | 455.81M |
| Net Income | 815.24M | 861.10M | 720.93M | 633.62M | 456.28M | 334.49M |
Balance Sheet | ||||||
| Total Assets | 13.91B | 14.88B | 12.45B | 9.85B | 7.79B | 5.32B |
| Cash, Cash Equivalents and Short-Term Investments | 890.84M | 926.89M | 805.10M | 630.27M | 456.71M | 161.50M |
| Total Debt | 7.97B | 8.56B | 6.97B | 5.05B | 4.10B | 2.06B |
| Total Liabilities | 8.10B | 8.66B | 7.03B | 5.11B | 4.16B | 2.11B |
| Stockholders Equity | 5.81B | 6.22B | 5.42B | 4.75B | 3.63B | 3.21B |
Cash Flow | ||||||
| Free Cash Flow | -482.76M | 967.30M | -1.74B | -1.29B | -1.69B | -1.62B |
| Operating Cash Flow | -470.82M | 984.65M | -1.72B | -1.27B | -1.67B | -1.58B |
| Investing Cash Flow | -11.11M | -2.38B | -16.09M | -18.06M | -21.31M | -34.99M |
| Financing Cash Flow | 559.59M | 1.52B | 1.84B | 1.43B | 1.96B | 1.57B |
CSL Finance Limited Technical Analysis
Negative
297.35
Price Trends
231.40
Negative
243.20
Negative
266.48
Negative
Market Momentum
-1.65
Negative
44.20
Neutral
47.24
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:CSLFINANCE, the sentiment is Negative. The current price of 297.35 is above the 20-day moving average (MA) of 229.02, above the 50-day MA of 231.40, and above the 200-day MA of 266.48, indicating a bearish trend. The MACD of -1.65 indicates Negative momentum. The RSI at 44.20 is Neutral, neither overbought nor oversold. The STOCH value of 47.24 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:CSLFINANCE.
CSL Finance Limited Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | ₹5.10B | 6.05 | ― | 0.93% | 19.22% | 18.92% | |
57 Neutral | ₹22.80B | 82.85 | ― | ― | 22.54% | 30.49% | |
47 Neutral | ₹3.40B | 29.58 | ― | ― | 32.79% | -75.58% | |
46 Neutral | ₹602.26M | -0.98 | ― | ― | -55.88% | -3929.98% | |
41 Neutral | ₹687.02M | -0.46 | ― | 0.12% | -51.04% | -71.19% |
* Financial Sector Average
IN:CSLFINANCE
CSL Finance Limited
223.70
-104.22
-31.78%
IN:CAPTRUST
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IN:MUFIN
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82.52%
IN:MUTHOOTCAP
Muthoot Capital Services Ltd.
206.45
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IN:TRU
TruCap Finance Limited
5.78
-10.09
-63.58%
CSL Finance Limited Corporate Events
CSL Finance Publishes Investor Update for Q4 and FY26
May 26, 2026
CSL Finance Limited has released an investor presentation detailing its performance and key developments for the quarter and full financial year ended March 31, 2026. The update, which is also available on the company’s website, is intended ...
CSL Finance Raises ₹30 Crore via Secured Listed NCD Issue
Apr 28, 2026
CSL Finance Limited has allotted 30,000 secured, rated, listed, redeemable non-convertible debentures on a private placement basis, each with a face value of ₹10,000, raising a total of ₹30 crore. The debentures, approved by the board ...
CSL Finance to Join Virtual Bharat Connect 2026 Investor Conference
Mar 5, 2026
CSL Finance Limited has announced that it will participate in the “Bharat Connect 2026” investor conference hosted by Arihant Capital Markets. The event, to be held virtually on March 10, 2026, will feature group meetings with investor...
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.