Arthneeti

CSL Finance Q1 FY27 Share Price & Earnings Call Analysis

₹217.92+0.14% today
Market cap
₹496 Cr
P/E
5.71
ROE
14.89%
PEG
0.24
Price to sales
1.86
Debt to equity
1.38
52W high / low
₹322 / ₹203
Sales growth (5Y)
32.98%
EBITDA margin
76.70%
Net profit margin
33.77%
Promoter holding
49.17%
Sales (last year)
₹267 Cr

Incorporated in 1992, CSL Finance Ltd provides finance facilities to SME business and Wholesale business[1]

Guidance scorecard · Q1 FY27 call

What CSL Finance Ltd's management guided
and where it ranks in Finance

#55of 59 in
Finance
Revenue10–20%MarginsFlatCapexWhat management saidFundraisingPlannedOrder bookWhat management said

RevenueQ4 FY26 call

10–20%
  • CSL Finance expects continued growth in FY27, with AUM growth guidance between 15%-25%, consistent with the past 3-4 years.
  • Wholesale segment is anticipated to remain strong and continue as the key growth driver.
  • SME retail is expected to return to growth and normalcy in FY27 as the operating environment improves.
  • Focus on disciplined growth in both wholesale and SME retail verticals.
  • Increased emphasis on fee-based income from off-book AUM via co-lending and joint lending structures with industry partners.

2 more points from CSL Finance Ltd's call on revenue

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Full Q4 FY26 analysis

MarginsQ4 FY26 call

Flat

See what CSL Finance Ltd said on margins — free account, 30 seconds.

Full Q4 FY26 analysis

CapexQ4 FY26 call

  • The focus appears to be on organic growth through existing business verticals, especially wholesale lending and SME retail.
  • The company is concentrating on consolidating its branch network and improving productivity rather than expanding with new branches in the immediate term.
  • There is an emphasis on growing off-book AUM through co-lending and partnerships to boost fee income without heavy capital deployment.

2 more points from CSL Finance Ltd's call on capex

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Full Q4 FY26 analysis

FundraisingQ4 FY26 call

Planned

See what CSL Finance Ltd said on fundraising — free account, 30 seconds.

Full Q4 FY26 analysis

Order bookQ4 FY26 call

Ask what CSL Finance Ltd said on the order book →

Full Q4 FY26 analysis
Full Finance ranking

Ranges are what management guided for revenue growth and margins on the latest earnings call. Not investment advice, and not a forecast of returns.

Potential multibaggers · Q2 FY27

Potential multibaggers in Finance
on management's own guidance

  1. Strong growth
    2
  2. Strong growth
    1
  3. Strong growth
    3
See all potential multibaggersWhere does CSL Finance Ltd rank?

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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.

Peers

Finance companies ranked on guidance

#CompanyRevenue guidedMargin guidedMarket capP/E
140%+Up 2%+₹2,742 Cr71.8
240%+Up 2%+₹464 Cr23.9
340%+Up 0–2%₹961 Cr32.7
440%+Flat₹23,820 Cr21.1
540%+Flat₹16,498 Cr72.4
640%+Flat₹15,549 Cr—

Sign up free to see every company in the sector ranking and track CSL Finance Ltd.

Pro shows every company guiding 40%+ revenue growth →Full Finance ranking

Financials of CSL Finance Ltd

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of CSL Finance Ltd

Quarterly Results

Quarter-by-quarter operating performance

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +34353845475154535759646469
Interest99911131416171818212223
Expenses +88910101214141313141715
Financing Profit17182024232525232528292631
Financing Margin %49%52%53%53%50%48%46%42%45%47%46%40%44%
Other Income +0000000000000
Depreciation0000000000111
Profit before tax16182024232525232528292530
Tax %28%27%27%30%21%25%28%26%24%23%15%18%36%
Net Profit +12131517191818171921242119
EPS in Rs5.746.396.507.348.158.127.837.368.339.3610.749.188.52
Gross NPA %0.61%0.75%0.55%0.40%0.44%0.45%0.54%0.38%0.46%0.56%0.51%100.00%
Net NPA %0.35%0.43%0.32%0.23%0.25%0.26%0.32%0.23%0.34%0.42%0.39%0.75%

Financials of CSL Finance Ltd

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +9344404158616275117166216256
Interest1136121171127436584
Expenses +80251391118151928375259
Financing Profit1218242635324045628698113
Financing Margin %13%41%59%63%60%53%65%61%53%52%46%44%
Other Income +100000000101
Depreciation000011111122
Profit before tax1218242634323945628697112
Tax %35%29%31%30%30%29%30%25%26%26%26%23%
Net Profit +81316182422283346637286
EPS in Rs5.719.3311.7310.2112.8612.1514.8816.1322.0127.8131.6437.80
Dividend Payout %0%0%3%5%5%7%7%15%11%9%9%0%

Financials of CSL Finance Ltd

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital55566662020222222
Reserves8194110178205226253301342452519599
Borrowing29311021249884206410505697856
Other Liabilities +3342124566610
Total Liabilities901101492883363323485327799851,2451,488
Fixed Assets +011143368898
CWIP000000000000
Investments810000000000
Other Assets +811091482863323293455267719781,2361,479
Total Assets901101492883363323485327799851,2451,488

Financials of CSL Finance Ltd

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +-3-19-13-109-153322-158-166-128-172-57
Cash from Investing Activity +7124-1-1-0-0-4-2-1-2-1
Cash from Financing Activity +-361810223-27-1715719614318470
Net Cash Flow0-19-8755-527141013
Free Cash Flow-3-19-14-109-173322-162-169-129-174-58
CFO/OP-1%-71%-21%-308%-10%98%69%-261%-169%-80%-89%-14%

Financials of CSL Finance Ltd

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %9%14%15%12%12%10%11%12%13%15%14%15%

Guidance history

How CSL Finance Ltd's guidance has moved, call by call

CallRevenueMarginsCapexFundraisingOrder book
Q4 FY26 call →10–20%Flat—Planned—
Q2 FY26 call →20–40%FlatPlanned—Rising
Q4 FY25 call →20–40%FlatPlannedPlanned—
Q2 FY25 call →10–20%FlatPlannedPlannedFlat

What management guided on each call, newest first. Not investment advice, and not a forecast of returns.

Continue your research

What CSL Finance Ltd's management said in earlier quarters

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