Want to see IN:CSLFINANCE full AI Analyst Report?
Top Page
CSL Finance Limited
(CSLFINANCE)
Select Model
Select Model
Rating:68Neutral
Price Target:
₹251.00
▼(-15.59% Downside)
Action:Reiterated
Date:08/27/26
The score is driven by attractive valuation (low P/E) and supportive near-term technical momentum, partially offset by moderate financial risk from historically weak/volatile operating cash flows and materially higher leverage despite strong growth.
Positive Factors
Sustained Revenue and Profit Growth
Strong multi-year growth indicates expanding lending activity and earning capacity. Rising revenue and net income provide a durable foundation for scale, although future performance will depend on maintaining credit quality and funding discipline.
Negative Factors
Materially Higher Leverage
Debt has increased much faster than the earlier capital base, creating a more aggressive funding structure. Higher leverage can raise funding sensitivity and reduce financial flexibility if credit conditions tighten or loan losses increase.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained Revenue and Profit Growth
Strong multi-year growth indicates expanding lending activity and earning capacity. Rising revenue and net income provide a durable foundation for scale, although future performance will depend on maintaining credit quality and funding discipline.
Read all positive factors
CSL Finance Limited (CSLFINANCE) vs. iShares MSCI India ETF (INDA)
Market Cap
₹5.72B
Dividend Yield1.19%
Average Volume (3M)3.87K
Price to Earnings (P/E)6.6
Beta (1Y)0.89
Revenue Growth19.69%
EPS Growth15.92%
CountryIN
Employees507
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)35.78
Shares Outstanding22,782,621
10 Day Avg. Volume6,808
30 Day Avg. Volume3,874
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 lending and financing operations as an NBFC. Key revenue typically comes from (1) interest income earned on loans and financing extended to customers, where the company’s lending rate exceeds i...
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
Positive
297.35
Price Trends
223.03
Positive
226.60
Positive
250.16
Positive
Market Momentum
6.33
Negative
75.37
Negative
83.08
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:CSLFINANCE, the sentiment is Positive. The current price of 297.35 is above the 20-day moving average (MA) of 228.66, above the 50-day MA of 223.03, and above the 200-day MA of 250.16, indicating a bullish trend. The MACD of 6.33 indicates Negative momentum. The RSI at 75.37 is Negative, neither overbought nor oversold. The STOCH value of 83.08 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:CSLFINANCE.
CSL Finance Limited Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | ₹3.78B | 6.05 | ― | ― | 115.72% | 391.58% | |
68 Neutral | ₹5.72B | 6.56 | ― | 1.19% | 19.69% | 15.92% | |
68 Neutral | ₹3.95B | 8.89 | ― | ― | 40.31% | 29.34% | |
60 Neutral | ₹4.81B | 26.69 | ― | 0.33% | 48.83% | 36.34% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
55 Neutral | ₹3.99B | 16.52 | ― | 3.66% | 23.27% | -20.85% | |
43 Neutral | ₹4.12B | 241.83 | ― | ― | 5.87% | ― |
* General Sector Average
IN:CSLFINANCE
CSL Finance Limited
251.25
-37.37
-12.95%
IN:AFIL
Akme Fintrade (India) Limited
9.25
2.33
33.67%
IN:MANCREDIT
Mangal Credit & Fincorp Ltd.
227.70
42.80
23.15%
IN:MUTHOOTCAP
Muthoot Capital Services Ltd.
242.40
-34.15
-12.35%
IN:UYFINCORP
U. Y. Fincorp Limited
19.87
6.65
50.30%
IN:MONEYBOXX
MoneyBoxx Finance Ltd.
59.03
-10.75
-15.41%
CSL Finance Limited Corporate Events
CSL Finance sets AGM date, dividend record date and proposes MD re-appointment
Aug 27, 2026
CSL Finance Limited has scheduled its 34th Annual General Meeting for September 19, 2026, to be held via video conferencing and other audio-visual means. The company has set September 12, 2026 as the record date to determine shareholder eligibilit...
CSL Finance shuts trading window ahead of June-quarter results
Jun 23, 2026
CSL Finance Limited has announced the closure of its trading window for designated and connected persons, along with their immediate relatives, from July 1, 2026 until 48 hours after the announcement of its unaudited financial results for the quar...
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.