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CSL Finance Limited (CSLFINANCE.NS)

INR217.87 -3.29 (-1.49%)
IN NSE Financial Services Financial - Credit Services
Address 716-717 Tower B 201301
Noida, IN
CEO Rohit Gupta
IPO 2022-07-21
ISIN INE718F01018

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Also trades on Bombay Stock Exchange · CSLFINANCE.BO (INR) National Stock Exchange of India · CSLFINANCE.NS (INR)
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 of loan products, including financing for real estate developers, such as credit secured by property and other assets. It also provides financial solutions for smaller construction companies, encompassing construction project financing, refinancing options, and inventory funding. Furthermore, CSL Finance extends corporate loans and caters to various sectors like education, healthcare, agriculture, and fast-moving consumer goods (FMCG) trading, in addition to offering personal loans to salaried individuals. Incorporated in 1992, the firm was initially known as Consolidated Securities Limited before rebranding to CSL Finance Limited in January 2016. Its headquarters are located in Noida, India.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
INR217.87 -3.29 (-1.49%)
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Volume Profile
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Liquidity & share structure
Average Volume
32.6K
Beta
0.35
Float Shares
7.22M
Free Float %
31.7%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-0.43% +6.83% +4.77% -7.88% -15.25% -19.73% -24.60% +16.70% +5.71% +5.71% +5.71%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
217.87
DCF (Unlevered) 2,143.64 +883.9%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Altman Z-Score
0.88
Distress
Piotroski F-Score
3 / 9
Average
MOAT Score
6 / 10
Developing
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
4 / 5
High
ROA Score
5 / 5
High
D/E Score
1 / 5
Low
P/E Score
4 / 5
High
P/Book Score
3 / 5
Medium
Operational MOAT
✗ Below peers
  • Revenue growth Financial - Credit Services: +13.2%
    +20.4% Q1'26: +26.0% (vs Q1'25)
  • EPS growth Financial - Credit Services: +24.0%
    +19.9% Q1'26: +2.7% (vs Q1'25)
  • FCF margin FCF growth · Financial - Credit Services: +70.9%
    +35.9% Q1'26: -70.3% (vs Q1'25)
  • EBIT margin Financial - Credit Services: +28.7%
    +44.4% Q1'26: +44.0% (vs Q1'25)
  • ROIC Financial - Credit Services: +5.0%
    +6.2% Q1'26: +5.6% (vs Q1'25)
  • Share dilution Financial - Credit Services: +0.0%
    -0.3% Q1'26: -0.4% (vs Q1'25)
  • Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×
    7.49× Q1'26: 6.96× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.35) × ERP
WACC = 39% × Ke + 61% × Kd (4.2%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 2,163.23 Current price: 217.87
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-27 B+ 3/5 1/5 4/5 5/5 1/5 4/5 3/5
2026-05-26 C- 1/5 1/5 1/5 1/5 1/5 3/5 1/5
2026-05-25 C- 1/5 1/5 1/5 1/5 1/5 3/5 1/5
2026-05-22 C- 1/5 1/5 1/5 1/5 1/5 3/5 1/5
2026-05-21 C- 1/5 1/5 1/5 1/5 1/5 3/5 1/5
2026-05-20 C- 1/5 1/5 1/5 1/5 1/5 3/5 1/5
2026-05-19 C- 1/5 1/5 1/5 1/5 1/5 3/5 1/5
2026-05-18 C- 1/5 1/5 1/5 1/5 1/5 3/5 1/5
2026-05-15 C- 1/5 1/5 1/5 1/5 1/5 3/5 1/5
2026-05-14 C- 1/5 1/5 1/5 1/5 1/5 3/5 1/5
2026-05-13 C- 1/5 1/5 1/5 1/5 1/5 3/5 1/5
2026-05-12 C- 1/5 1/5 1/5 1/5 1/5 3/5 1/5
2026-05-11 C- 1/5 1/5 1/5 1/5 1/5 3/5 1/5
2026-05-08 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-05-07 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-05-06 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-05-05 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-05-04 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-04-30 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-04-29 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-04-28 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-04-27 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-04-24 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-04-23 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-04-22 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-04-21 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-04-20 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-04-17 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-04-16 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
-466.98M
OE per share TTM
-20.34
Owner's Yield
-8.45%
Maintenance CapEx ratio
3.24%
Maint CapEx / Avg PPE
4.4%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
2.88M
Shares Outstanding
22.78M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Ayussh Mittaal President of Audit 80.0K male
Ashok Kumar Kathuria Executive Director male
Hariom Kumar Vice President of HR male
Naresh Chandra Varshney Chief Financial Officer & Marketing Head of Structured Lending male
Preeti Gupta Company Secretary & Compliance Officer female
Rachita Gupta Executive & Whole-Time Director female
Rohit Gupta MD & Executive Promoter Director male
Saurabh Priyadarshi Head of Legal male
Amit Kaul President of IT & Chief Technology Officer male
Sher Bahadur Tiwari Chief Manager of Accounts male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits