WEBSITE BSE:530067 NSE: CSLFINANCE Inc. Year: 1992 Industry: Finance - NBFC My Bucket: Add Stock
Last updated: 15:41
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CSL Finance Ltd, formerly Consolidated Securities Ltd, is an India-based NBFC. The Company engaged in lending and allied services, and working in securities and other economic assets. It operates in two segments: Proprietary Investments and Secured Lending. Under the Secured Lending section, the Company's services include a product dependent to suit the short term desires of small and mid size businesses. Under the Proprietary Investments segment, the Company trades in risk arbitrage opportunities arising in the stock marketplace, along with op...Read More
CSL Finance Ltd, formerly Consolidated Securities Ltd, is an India-based NBFC. The Company engaged in lending and allied services, and working in securities and other economic assets. It operates in two segments: Proprietary Investments and Secured Lending. Under the Secured Lending section, the Company's services include a product dependent to suit the short term desires of small and mid size businesses. Under the Proprietary Investments segment, the Company trades in risk arbitrage opportunities arising in the stock marketplace, along with open offers, demergers, buybacks and delistings. The Company lends to the small or medium sized real-estate region and infrastructure improvement region entities. The Company is engaged in shopping for and selling in stocks, debentures, bonds and all varieties of securities, and lending, advancing and making deposits to company, organization, individual or affiliation, with or without security. ...Read Less
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Market Cap ₹521 Cr.
Stock P/E 7.2
P/B 0.9
Current Price ₹228.6
Book Value ₹ 264.2
Face Value 10
52W High ₹380
Dividend Yield 1.31%
52W Low ₹ 216
Price goes above X
Price falls below X
PE goes above X
PE falls below X
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| #(Fig in Cr.) | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 38 | 45 | 47 | 51 | 54 | 53 | 57 | 59 | 64 | 64 |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Income | 39 | 46 | 47 | 51 | 54 | 54 | 57 | 60 | 64 | 64 |
| Total Expenditure | 9 | 10 | 10 | 12 | 14 | 14 | 13 | 13 | 14 | 17 |
| Operating Profit | 29 | 35 | 37 | 39 | 41 | 40 | 43 | 46 | 50 | 48 |
| Interest Expense | 9 | 11 | 13 | 14 | 16 | 17 | 18 | 18 | 21 | 22 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 |
| Profit Before Tax | 20 | 24 | 23 | 25 | 25 | 23 | 25 | 28 | 29 | 25 |
| Provision for Tax | 5 | 7 | 5 | 6 | 7 | 6 | 6 | 6 | 4 | 5 |
| Profit After Tax | 15 | 17 | 19 | 18 | 18 | 17 | 19 | 21 | 24 | 21 |
| Adjustments | 0 | 0 | 0 | -0 | 0 | 0 | -0 | -0 | -0 | 0 |
| Profit After Adjustments | 15 | 17 | 19 | 18 | 18 | 17 | 19 | 21 | 24 | 21 |
| Adjusted Earnings Per Share | 6.6 | 7.5 | 8.3 | 8.2 | 8 | 7.5 | 8.5 | 9.5 | 10.9 | 9.3 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 93 | 44 | 40 | 41 | 60 | 61 | 62 | 75 | 117 | 166 | 215 | 244 |
| Other Income | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 0 |
| Total Income | 94 | 45 | 41 | 41 | 60 | 61 | 62 | 75 | 118 | 167 | 216 | 245 |
| Total Expenditure | 80 | 25 | 13 | 9 | 12 | 18 | 15 | 19 | 28 | 37 | 52 | 57 |
| Operating Profit | 14 | 20 | 27 | 32 | 48 | 43 | 47 | 56 | 90 | 130 | 164 | 187 |
| Interest Expense | 1 | 1 | 3 | 6 | 12 | 11 | 7 | 11 | 27 | 43 | 65 | 79 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 2 | 2 |
| Profit Before Tax | 12 | 18 | 24 | 26 | 36 | 32 | 39 | 45 | 62 | 86 | 97 | 107 |
| Provision for Tax | 4 | 5 | 7 | 8 | 11 | 9 | 12 | 11 | 16 | 22 | 25 | 21 |
| Profit After Tax | 8 | 13 | 16 | 18 | 25 | 22 | 28 | 33 | 46 | 63 | 72 | 85 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 8 | 13 | 16 | 18 | 25 | 22 | 28 | 33 | 46 | 63 | 72 | 85 |
| Adjusted Earnings Per Share | 5.7 | 9.3 | 11.7 | 10.2 | 13.6 | 12.3 | 15 | 16.5 | 22.5 | 28.2 | 32.1 | 38.2 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 30% | 42% | 29% | 9% |
| Operating Profit CAGR | 26% | 43% | 31% | 28% |
| PAT CAGR | 14% | 30% | 27% | 25% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | -27% | 2% | 23% | 24% |
| ROE Average | 14% | 14% | 13% | 13% |
| ROCE Average | 15% | 14% | 14% | 16% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 85 | 98 | 114 | 184 | 215 | 233 | 259 | 321 | 363 | 475 | 542 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Borrowings | 0 | 0 | 0 | 37 | 35 | 40 | 45 | 186 | 377 | 288 | 311 |
| Current Liability | 5 | 12 | 34 | 67 | 89 | 59 | 43 | 24 | 39 | 220 | 390 |
| Other Liabilities & Provisions | 0 | 0 | 0 | 0 | 1 | -1 | -1 | -1 | -1 | 1 | 1 |
| Total Liabilities | 90 | 110 | 149 | 288 | 339 | 331 | 347 | 531 | 778 | 984 | 1244 |
| Loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 909 | 1144 |
| Investments | 4 | 1 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Fixed Assets | 0 | 1 | 1 | 1 | 2 | 3 | 3 | 6 | 7 | 8 | 9 |
| Other Loans | 0 | 0 | 0 | 116 | 238 | 1 | 0 | 0 | 0 | 0 | 2 |
| Other Non Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 6 |
| Current Assets | 86 | 109 | 147 | 170 | 99 | 327 | 343 | 525 | 770 | 66 | 80 |
| Total Assets | 90 | 110 | 149 | 288 | 339 | 331 | 347 | 531 | 778 | 984 | 1244 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 2 | 2 | 1 | 10 | 3 | 7 | 12 | 18 | 13 | 40 | 54 |
| Cash Flow from Operating Activities | -3 | -19 | -13 | -109 | 5 | 33 | 22 | -158 | -167 | -128 | -172 |
| Cash Flow from Investing Activities | 7 | 12 | 4 | -1 | -1 | -0 | -0 | -3 | -2 | -1 | -2 |
| Cash Flow from Financing Activities | -3 | 6 | 18 | 102 | 3 | -27 | -17 | 157 | 196 | 143 | 184 |
| Net Cash Inflow / Outflow | 0 | -1 | 9 | -8 | 7 | 5 | 5 | -5 | 27 | 14 | 10 |
| Closing Cash & Cash Equivalent | 2 | 1 | 10 | 3 | 10 | 12 | 18 | 13 | 40 | 54 | 64 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 5.69 | 9.3 | 11.69 | 10.21 | 13.59 | 12.28 | 14.96 | 16.53 | 22.55 | 28.24 | 32.1 |
| CEPS(Rs) | 5.76 | 9.36 | 11.77 | 10.29 | 13.72 | 12.69 | 15.29 | 16.86 | 23.06 | 28.86 | 32.87 |
| DPS(Rs) | 0 | 0 | 1 | 1.5 | 2 | 2 | 3 | 2.5 | 2.5 | 2.5 | 3 |
| Book NAV/Share(Rs) | 60.73 | 70.03 | 81.32 | 102.49 | 115.67 | 126.65 | 140.52 | 157.9 | 177.87 | 211.26 | 240.76 |
| Net Profit Margin | 8.58 | 29.42 | 40.62 | 43.71 | 42.28 | 36.93 | 44.64 | 44.82 | 38.92 | 38.25 | 33.52 |
| Operating Margin | 14.44 | 44.89 | 67.01 | 77.95 | 80.48 | 69.66 | 75.38 | 74.42 | 75.66 | 77.63 | 75.27 |
| PBT Margin | 13.17 | 41.67 | 58.84 | 62.34 | 60.43 | 52.16 | 63.82 | 59.97 | 52.48 | 51.67 | 45.05 |
| ROA(%) | 9.22 | 13.02 | 12.68 | 8.29 | 8.02 | 6.7 | 8.12 | 7.62 | 6.97 | 7.19 | 6.47 |
| ROE(%) | 9.82 | 14.22 | 15.45 | 12.22 | 12.72 | 10.08 | 11.23 | 11.57 | 13.43 | 15.2 | 14.21 |
| ROCE(%) | 15.89 | 20.42 | 21.43 | 14.95 | 15.38 | 12.75 | 13.87 | 12.8 | 13.69 | 14.71 | 14.62 |
| Price/Earnings(x) | 3.16 | 2.52 | 7.44 | 19.11 | 7.53 | 4.58 | 5.64 | 10.62 | 8.52 | 16.84 | 8.01 |
| Price/Book(x) | 0.3 | 0.33 | 1.07 | 1.9 | 0.88 | 0.44 | 0.6 | 1.11 | 1.08 | 2.25 | 1.07 |
| Dividend Yield(%) | 0 | 0 | 0.38 | 0.26 | 0.65 | 1.18 | 1.19 | 1.42 | 1.3 | 0.53 | 1.17 |
| EV/Net Sales(x) | 0.27 | 0.93 | 3.53 | 10.76 | 5.07 | 3.02 | 3.52 | 7.28 | 6.4 | 9.1 | 5.57 |
| EV/Core EBITDA(x) | 1.89 | 2.05 | 5.24 | 13.74 | 6.27 | 4.26 | 4.6 | 9.67 | 8.37 | 11.6 | 7.32 |
| Interest Earned Growth(%) | -17.57 | -52.34 | -8.93 | 2.34 | 43.86 | 2.28 | 1.34 | 21 | 57.1 | 41.29 | 29.83 |
| Net Profit Growth | 10.92 | 63.45 | 25.74 | 10.1 | 39.15 | -10.66 | 22.49 | 21.51 | 36.41 | 38.87 | 13.78 |
| EPS Growth(%) | 10.92 | 63.45 | 25.74 | -12.68 | 33.17 | -9.62 | 21.79 | 10.51 | 36.37 | 25.26 | 13.68 |
| Interest Coverage(x) % | 11.38 | 13.95 | 8.2 | 4.99 | 4.01 | 3.98 | 6.52 | 5.15 | 3.26 | 2.99 | 2.49 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 47.71 | 47.71 | 47.44 | 47.44 | 47.49 | 47.56 | 47.56 | 47.56 | 47.56 | 47.66 |
| FII | 1.47 | 2.22 | 2.54 | 2.5 | 2.47 | 0.83 | 0.79 | 0.77 | 0.61 | 0.16 |
| DII | 1.23 | 1.23 | 1.23 | 1.23 | 0.13 | 0.56 | 0.91 | 0.96 | 1.34 | 1.58 |
| Public | 49.59 | 48.84 | 48.79 | 48.83 | 49.91 | 51.05 | 50.75 | 50.71 | 50.48 | 50.59 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 1.09 | 1.09 | 1.08 | 1.08 | 1.08 | 1.08 | 1.08 | 1.08 | 1.08 | 1.09 |
| FII | 0.03 | 0.05 | 0.06 | 0.06 | 0.06 | 0.02 | 0.02 | 0.02 | 0.01 | 0 |
| DII | 0.03 | 0.03 | 0.03 | 0.03 | 0 | 0.01 | 0.02 | 0.02 | 0.03 | 0.04 |
| Public | 1.13 | 1.11 | 1.11 | 1.11 | 1.14 | 1.16 | 1.16 | 1.16 | 1.15 | 1.15 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 2.28 | 2.28 | 2.28 | 2.28 | 2.28 | 2.28 | 2.28 | 2.28 | 2.28 | 2.28 |
* The pros and cons are machine generated.
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