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Banking And Finance | Small Cap
Health Score : 8.09CSL Finance Ltd demonstrates a strong financial standing, particularly excelling in growth and profitability. The company shows robust revenue and income growth, complemented by healthy profit margins. Its liquidity is well-managed, ensuring it can meet short-term obligations effectively. While solvency indicators suggest a moderate level of debt, it appears manageable given the asset and equity positions. Efficiency metrics present a mixed view, with strong fixed asset turnover but weaker capital turnover. Overall, CSL Finance exhibits a solid financial profile, poised for continued growth and stability in the non-bank finance sector. The company's ability to maintain high growth rates and profitability will be crucial for its future success. However, attention should be paid to improving capital turnover to optimize asset utilization. The financial ratios indicate some areas needing improvement, particularly in earnings per share and book value per share, which could impact investor confidence if not addressed.
Health Score : 8.09CSL Finance Ltd demonstrates a strong financial standing, particularly excelling in growth and profitability. The company shows robust revenue and income growth, complemented by healthy profit margins. Its liquidity is well-managed, ensuring it can meet short-term obligations effectively. While solvency indicators suggest a moderate level of debt, it appears manageable given the asset and equity positions. Efficiency metrics present a mixed view, with strong fixed asset turnover but weaker capital turnover. Overall, CSL Finance exhibits a solid financial profile, poised for continued growth and stability in the non-bank finance sector. The company's ability to maintain high growth rates and profitability will be crucial for its future success. However, attention should be paid to improving capital turnover to optimize asset utilization. The financial ratios indicate some areas needing improvement, particularly in earnings per share and book value per share, which could impact investor confidence if not addressed.
Overall Valuation Score
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0
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Sell Orders
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Markets Today NSE
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0.00
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Last Traded Time
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Price Movement Indicator
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P/E RATIO (TTM)
6.27
Industry Median
20.55
Small Cap Median
13.12
P/E RATIO
6.27
P/B RATIO
0.87
Industry Median
1.24
Small Cap Median
0.95
P/S RATIO
2.02
Industry Median
4.30
Small Cap Median
3.07
Others
PEG RATIO
0.00
EV/EBITDA RATIO
6.46
The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹236.92 as on Sep 1, 2026.
Growth Score : 10.00The company exhibits excellent growth across all key metrics, including revenue, operating profit, earnings per share, assets, and net income. This consistent growth demonstrates strong market positioning and effective management strategies. Such high growth rates are attractive to investors and indicate a promising future. However, it's important to manage this growth sustainably to avoid overextension.
Revenue Growth RateExcellentOperating Profit Growth RateExcellentEarnings Per Share (EPS) GrowthExcellentAsset Growth RateExcellentNet Income Growth RateExcellent| Growth Ratios | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue Growth Rate | 20.97 | 56 | 41.88 | 30.12 | 18.52 |
| Operating Profit Growth Rate | 12.5 | 37.78 | 38.71 | 13.95 | 15.31 |
| Earnings Per Share (EPS) Growth | 8.4 | 36.45 | 26.35 | 13.77 | 19.47 |
| Asset Growth Rate | 52.87 | 46.43 | 26.44 | 26.4 | 19.52 |
| Net Income Growth Rate | 17.86 | 39.39 | 36.96 | 14.29 | 19.44 |
Revenue Growth Rate
Operating Profit Growth Rate
Earnings Per Share (EPS) Growth
Asset Growth Rate
Net Income Growth Rate
Peer Comparison empowers investors to evaluate a company against its industry peers using key financial metrics like P/E ratio, EPS, and profit margins. It helps identify whether a company is overvalued, undervalued, or performing in line with competitors. Investors can use this data to spot opportunities, assess risks, and make informed decisions. This contextual view adds depth beyond standalone company analysis.
| NO | Company Name | Health Score | P/E Ratio | Valuation | OPM | EPS | Latest Profit & Loss |
|---|---|---|---|---|---|---|---|
| 1 | Akme Fintrade (India) Ltd | 8.27 | 9.53 | Undervalued | 55.00 | 0.99 | 42.00 |
| 2 | CSL Finance Ltd | 8.09 | 6.27 | Neutral | 113.00 | 37.80 | 86.00 |
| 3 | Avonmore Capital & Management Services Ltd | 8.02 | 27.22 | Neutral | 14.00 | 0.03 | 22.00 |
| 4 | Starteck Finance Ltd | 7.94 | 10.50 | Neutral | 10.00 | 17.31 | 24.00 |
| 5 | Naga Dhunseri Group Ltd | 6.97 | -29.29 | Neutral | -39.00 | -108.80 | -10.00 |
| 6 | Consolidated Finvest & Holdings Ltd | 6.65 | 2.21 | Neutral | 13.00 | 16.74 | 450.00 |
| 7 | Industrial Investment Trust Ltd | 5.70 | -27.77 | Neutral | -13.00 | -5.91 | -12.00 |
| 8 | U. Y. Fincorp Ltd | 4.85 | 48.88 | Neutral | -2.83 | 2.54 | -0.66 |
| 9 | Muthoot Capital Services Ltd | 4.27 | 36.12 | Neutral | 13.00 | 6.79 | 11.00 |
| 10 | NBI Industrial Finance Company Ltd | 4.16 | 68.52 | Neutral | 22.00 | 46.99 | 16.00 |
| 11 | Manba Finance Ltd | 3.72 | 14.32 | Neutral | 64.00 | 9.03 | 45.00 |
| 12 | Mangal Credit & Fincorp Ltd | 3.63 | 62.05 | Neutral | 15.00 | 7.25 | 8.00 |
| 13 | SAKTHIFIN | N/A | N/A | N/A | N/A | N/A | N/A |
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Overall Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Market Sentiment
Analysis Driven By 1 Technical Indicators From The 1 Hour Timeframe
Analyzing moving average trends and crossovers. Green/Red badges indicate if the current condition passes or fails.
Comparing stock price performance (normalized) against benchmark indices over time.
Recent daily trading volume represented as a bar chart, alongside historical averages.
Current closing price relative to the 52-week highest and lowest prices.
Concall Report⬤14th Nov 25
Q2 and H1 FY26 Earnings Conference Call
NEUTRAL SENTIMENT
No Stock News Available at This Moment.
CSL Finance Ltd is an RBI-registered Non-Banking Financial Company (NBFC) primarily engaged in providing diverse financial solutions across India. The company focuses on offering secured and unsecured loans, including personal loans, business loans, gold loans, and loans against property, catering to the varied financial needs of individuals and small to medium-sized businesses.
P/E Ratio (TTM): Price to Earnings ratio shows how much an investor pays for every rupee of the company's earnings. CSL Finance Ltd's P/E ratio (TTM) is 6.27, compared to the industry median of 20.55 and large cap median of 13.12.
P/B Ratio: Price to Book ratio compares a company's market price to its book value per share. CSL Finance Ltd's P/B ratio is 0.87, compared to the industry median of 1.24 and large cap median of 0.95.
P/S Ratio: Price to Sales ratio compares a company's market value to its total revenue. CSL Finance Ltd's P/S ratio is 2.02, compared to the industry median of 4.30 and large cap median of 3.07.
PEG Ratio: PEG ratio adjusts the P/E ratio for expected earnings growth. CSL Finance Ltd's PEG ratio is 0.65.
EV/EBITDA Ratio: This ratio compares a company's enterprise value to its earnings before interest, tax, depreciation, and amortization. CSL Finance Ltd's EV/EBITDA ratio is 6.46.
Return on Equity (ROE): ROE measures how much profit a company generates from shareholders' invested capital. CSL Finance Ltd's ROE is 13.85%.
Return on Assets (ROA): ROA measures how efficiently a company converts its assets into net profit. CSL Finance Ltd's ROA is 7.59%.
Return on Capital Employed (ROCE): ROCE measures how efficiently a company generates profit from all the capital it employs. CSL Finance Ltd's ROCE is 31.56%.
Operating Margin: Operating margin shows what percentage of revenue remains after covering operating expenses. CSL Finance Ltd's operating margin is 44.14%.
Net Margin: Net margin shows what percentage of revenue converts into final net profit. CSL Finance Ltd's net margin is 33.59%.
Current Ratio: The current ratio measures a company's ability to pay short-term liabilities using short-term assets. CSL Finance Ltd's current ratio is 147.90.
Debt to Equity Ratio: This ratio shows the proportion of debt a company uses relative to shareholders' equity. CSL Finance Ltd's debt-to-equity ratio is 0.
Interest Coverage Ratio: This ratio shows how easily a company can pay interest on its outstanding debt from its operating earnings. CSL Finance Ltd's interest coverage ratio is 2.33.
Dividend Per Share (DPS): DPS shows the total dividend paid per share in the latest financial year. CSL Finance Ltd's DPS is ₹0.
Earnings Per Share (EPS): EPS shows how much profit is allocated to each outstanding share. CSL Finance Ltd's EPS is 19.47.
(Source line: "Ratios as of 28 Sept 2026, based on last traded price of ₹236.92. Data sourced from BSE/NSE Exchange Filings & Public Terminal Data.")
Founded: 1990 (as S. K. P. Securities Limited)
Headquarters: Ahmedabad, Gujarat
Core Offerings: Personal Loans, Business Loans, Gold Loans, Loans against Property, Two-wheeler Loans
Stock Listing: NSE (CSLFINANCE), BSE (530067)
Promoter: Suresh Kalpdev Patodia & Family
1990: Incorporated as S. K. P. Securities Limited. 1995: Listed on Ahmedabad Stock Exchange and BSE Limited. 2013: Name changed to CSL Finance Ltd. Present: Operates as an RBI-registered NBFC, expanding its financial product offerings to diverse customer segments.
| Segment Name | Revenue % | EBITDA |
|---|---|---|
| Retail Loans | N/A | Operating Profit |
| Business & MSME Loans | N/A | Operating Profit |
| Loans Against Property (LAP) | N/A | Operating Profit |
Retail Loans: Primarily offers personal loans, gold loans, and two-wheeler loans to individuals, catering to their immediate financial needs.
Business & MSME Loans: Provides secured and unsecured credit facilities to small and medium enterprises for working capital management and business expansion.
Loans Against Property (LAP): Offers financing solutions against residential and commercial properties, serving both individual and corporate clients with flexible repayment options.
Mr. Suresh Kalpdev Patodia (Chairman & Managing Director): A veteran in the financial services sector, he provides strategic leadership and vision for the company's growth. Mr. Dhaval Suresh Patodia (Chief Executive Officer): He oversees daily operations and spearheads the company's initiatives for market expansion and product innovation.
No major subsidiaries reported.
No major recent corporate actions on record.
The CSL Finance Ltd share price today is ₹236.92 on NSE (CSLFINANCE), as of 28 Sept 2026.
As of 28 Sept 2026, CSL Finance Ltd share price is ₹236.92, with previous close ₹236.92. Today's range is ₹236.92 to ₹236.92. The 52-week range is ₹N/A to ₹N/A.
As of today, CSL Finance Ltd's market cap is ₹516.49 crore (Small Cap).
CSL Finance Ltd's current P/E ratio is 6.27, compared to the BANKING AND FINANCE sector average of 28.50.
CSL Finance Ltd's current P/B ratio is 0.87.
CSL Finance Ltd's current dividend yield is N/A. Last dividend of ₹0.50 per share was declared on 25-Aug-2023.
CSL Finance Ltd's EPS (TTM) is ₹19.47.
CSL Finance Ltd is an RBI-registered Non-Banking Financial Company (NBFC) primarily engaged in providing diverse financial solutions across India. The company focuses on offering secured and unsecured loans, including personal loans, business loans, gold loans, and loans against property, catering to the varied financial needs of individuals and small to medium-sized businesses.
CSL Finance Ltd is promoted by Suresh Kalpdev Patodia & Family, holding 47.66% as of 28 Sept 2026.
CSL Finance Ltd is listed on NSE (CSLFINANCE) and BSE (530067). Its next quarterly results are expected on November 2024 (Q2 FY25).
Adjusted Earnings Per Share (Adjusted EPS)
Book Value Per Share