CSL Finance Limited (IN:CSLFINANCE)
:CSLFINANCE
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CSL Finance Limited
(CSLFINANCE)
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Rating:66Neutral
Price Target:
₹239.00
▼(-19.62% Downside)
Action:ReiteratedDate:11/15/25
CSL Finance Limited's strong financial performance, characterized by robust revenue growth and profitability, is a key strength. However, high leverage and negative cash flows are significant risks. The technical analysis indicates a mixed outlook with short-term upward trends but potential bearish momentum. The stock's low P/E ratio suggests it may be undervalued, providing a potential opportunity for investors.
Positive Factors
Revenue Growth
Sustained revenue growth of 26.6% year-over-year demonstrates expanding lending volume or higher yields, indicating durable demand for the company’s credit products. Consistent top-line growth supports scale economics, underwriting expansion and reinvestment into the loan book over the next 2–6 months.
Negative Factors
High Leverage
Significant leverage increases sensitivity to interest-rate rises and funding shocks, compressing net interest spreads and raising refinancing risk. For an NBFC, elevated debt-to-equity constrains capital flexibility, intensifies regulatory and liquidity scrutiny, and can limit durable growth if funding tightens.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Sustained revenue growth of 26.6% year-over-year demonstrates expanding lending volume or higher yields, indicating durable demand for the company’s credit products. Consistent top-line growth supports scale economics, underwriting expansion and reinvestment into the loan book over the next 2–6 months.
Read all positive factors
CSL Finance Limited (CSLFINANCE) vs. iShares MSCI India ETF (INDA)
Market Cap
₹5.04B
Dividend Yield0.93%
Average Volume (3M)1.40K
Price to Earnings (P/E)8.1
Beta (1Y)1.13
Revenue Growth17.32%
EPS Growth13.66%
CountryIN
Employees389
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)9.30
Shares Outstanding22,782,621
10 Day Avg. Volume1,789
30 Day Avg. Volume1,403
Financial Highlights & Ratios
PEG Ratio0.78
Price to Book (P/B)1.11
Price to Sales (P/S)2.86
P/FCF Ratio-3.46
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, 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, includin...
How the Company Makes Money
CSL Finance Limited primarily makes money through (1) interest income earned on loans and other financing/credit exposures it originates or holds, net of its cost of funds (i.e., the spread between what it earns on lending and what it pays to borr...
CSL Finance Limited Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
68
Positive
Cash Flow
55
Neutral
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 2.27B | 2.10B | 1.63B | 1.15B | 721.77M | 614.17M |
| Gross Profit | 1.27B | 1.22B | 1.02B | 741.91M | 530.60M | 481.92M |
| EBITDA | 1.02B | 988.52M | 871.60M | 627.41M | 455.81M | 401.56M |
| Net Income | 815.24M | 720.93M | 633.62M | 456.28M | 334.49M | 275.28M |
Balance Sheet | ||||||
| Total Assets | 13.91B | 12.45B | 9.85B | 7.79B | 5.32B | 3.48B |
| Cash, Cash Equivalents and Short-Term Investments | 890.84M | 805.10M | 630.27M | 456.71M | 161.50M | 178.22M |
| Total Debt | 7.97B | 6.97B | 5.05B | 4.10B | 2.06B | 843.56M |
| Total Liabilities | 8.10B | 7.03B | 5.11B | 4.16B | 2.11B | 883.33M |
| Stockholders Equity | 5.81B | 5.42B | 4.75B | 3.63B | 3.21B | 2.59B |
Cash Flow | ||||||
| Free Cash Flow | -482.76M | -1.74B | -1.29B | -1.69B | -1.62B | 219.74M |
| Operating Cash Flow | -470.82M | -1.72B | -1.27B | -1.67B | -1.58B | 222.44M |
| Investing Cash Flow | -11.11M | -16.09M | -18.06M | -21.31M | -34.99M | -2.29M |
| Financing Cash Flow | 559.59M | 1.84B | 1.43B | 1.96B | 1.57B | -165.46M |
CSL Finance Limited Technical Analysis
Negative
297.35
Price Trends
259.35
Negative
276.22
Negative
290.08
Negative
Market Momentum
-8.05
Positive
34.50
Neutral
22.44
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 247.26, above the 50-day MA of 259.35, and above the 200-day MA of 290.08, indicating a bearish trend. The MACD of -8.05 indicates Positive momentum. The RSI at 34.50 is Neutral, neither overbought nor oversold. The STOCH value of 22.44 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% | |
66 Neutral | ₹17.29B | 71.53 | ― | ― | 40.11% | -5.31% | |
66 Neutral | ₹5.04B | 8.12 | ― | 0.93% | 17.32% | 13.66% | |
51 Neutral | ₹595.50M | -0.53 | ― | 0.12% | -26.94% | -1105.24% | |
43 Neutral | ₹3.02B | 14.73 | ― | ― | 40.61% | -64.65% | |
38 Underperform | ₹519.50M | -3.45 | ― | ― | -26.63% | -1320.85% |
* Financial Sector Average
IN:CSLFINANCE
CSL Finance Limited
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CSL Finance Limited Corporate Events
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...
CSL Finance Opens One-Year Special Window to Dematerialise Old Physical Shares
Feb 25, 2026
CSL Finance Limited has notified exchanges and shareholders that it has opened a special window, from 5 February 2026 to 4 February 2027, for the transfer and dematerialisation of physical securities that were bought or sold before 1 April 2014. U...
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.