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CSL Finance
Small Cap•421 Employees•IPO 1995
Current Price
₹252.65
-2.5 (-0.98%)Updated
Valuation vs Sector
P/E Ratio
6.49vs 19.00
P/B Ratio
0.96vs 2.14
Div Yield
1.14%vs 0.57%
Today's Range
249.55
₹252.65
263
52 Week Range
52W Low₹227.45
52W High₹380.20
₹252.65
Downside11.08%
Upside50.48%
Price Chart
Compare with Peers
Historical Ratios
Track top 12 most important financial ratios
P/E Ratio: Price to Earnings - Most used valuation metric
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Analyzing Investment Quality
Processing 9 key metrics...
Key Metrics
Hover for details
Valuation
Market Cap
₹599.18 Cr
Market Cap
Total market value of companyP/E Ratio
7.35
P/E Ratio
Price to Earnings. Lower is generally better (<25 is good)P/B Ratio
1.11
P/B Ratio
Price to Book Value. <3 may indicate undervaluationEPS
₹35.47
EPS
Earnings Per Share. Higher and growing is positiveProfitability
ROE
7.74%
ROE
Return on Equity. >15% is good, >20% is excellentROCE
14.60%
ROCE
Return on Capital Employed. >15% is goodNet Margin
34.98%
Net Margin
Net profit as % of revenue. >10% is goodOperating Margin
-%
Operating Margin
Operating profit margin. >15% is goodGrowth
EPS Growth (5Y)
20.71%
EPS Growth (5Y)
5-year EPS growth. >15% is strongRevenue Growth (5Y)
28.72%
Revenue Growth (5Y)
5-year revenue growth. >10% is goodQtr Sales Growth
16.40%
Qtr Sales Growth
Quarter-over-quarter sales growthQtr Profit Growth
15.30%
Qtr Profit Growth
Quarter-over-quarter profit growthFinancial Health
Debt/Equity
1.29
Debt/Equity
Financial leverage. <1 is good, <0.5 is excellentBook Value
₹241.21
Book Value
Net asset value per shareDividend Yield
1.14%
Dividend Yield
Annual dividend as % of price. >2% is goodPromoter Holding
47.60%
Promoter Holding
Promoter stake. >50% shows confidenceGood
Average
Needs Attention
SWOT Analysis
Strengths
4 points- •The company boasts a very attractive Price-to-Earnings (P/E) ratio of 8.50, significantly lower than many industry peers, suggesting potential undervaluation and a favorable entry point for investors.
- •CSL Finance demonstrates robust profitability with a Return on Equity (ROE) of 14.20% and Return on Capital Employed (ROCE) of 14.60%, indicating efficient capital utilization and strong returns for shareholders.
Weaknesses
5 points- •The company carries a relatively high Debt-to-Equity ratio of 1.29, indicating a significant reliance on borrowed funds, which could pose a risk during rising interest rates or economic downturns.
- •Promoter holding has seen a decline from 51.33% in March 2023 to 47.56% in September 2025, potentially signaling reduced insider confidence or strategic shifts.
Opportunities
3 points- •The Non-Banking Financial Company (NBFC) sector is poised for growth in India, driven by increasing credit demand and financial inclusion, offering CSL Finance significant expansion potential.
- •Given its relatively small market capitalization, CSL Finance has substantial room to expand its market share and operations within the fragmented NBFC industry.
Threats
3 points- •CSL Finance faces intense competition from much larger and well-established NBFCs like Bajaj Finance and Sundaram Finance, which possess greater resources and market reach, potentially limiting growth.
- •The NBFC sector is highly susceptible to changes in regulatory policies and interest rate fluctuations, which could adversely impact CSL Finance's operational costs and lending margins.
Segment-wise Financial Analysis
Fetching Financials...
Fetching Balance Sheet...
Fetching Cash Flow...
Shareholding Pattern
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Company Insider Trading Activity
Recent Insider Transactions
| Insider Name | Transaction Date | Filing Date | Total Shares | Change | Price | Action |
|---|---|---|---|---|---|---|
Rohit Gupta HUF | 19 Feb 2025 | 21 Feb 2025 | 2.68 L | 4,122 | ₹247.79 | BUY |
Rohit Gupta HUF | 11 Mar 2025 | 12 Mar 2025 | 2.70 L | 2,000 | ₹259.7 | BUY |
Rohit Gupta HUF | 18 Mar 2025 | 19 Mar 2025 | 2.80 L | 10,000 | ₹248.74 | BUY |
CSL Employee Welfare Trust | 02 Jun 2025 | 03 Jun 2025 | 3.13 L | 10,774 | ₹330.74 | SELL |
CSL Employee Welfare Trust | 30 May 2025 | 03 Jun 2025 | 3.24 L | 1,477 | ₹322.86 | SELL |
CSL Employee Welfare Trust | 29 May 2025 | 03 Jun 2025 | 3.25 L | 2,000 | ₹321.09 | SELL |
CSL Employee Welfare Trust | 03 Jun 2025 | 05 Jun 2025 | 3.12 L | 750 | ₹333.87 | SELL |
CSL Employee Welfare Trust | 06 Jun 2025 | 09 Jun 2025 | 3.06 L | 1,000 | ₹344.52 | SELL |
CSL Employee Welfare Trust | 05 Jun 2025 | 09 Jun 2025 | 3.07 L | 5,000 | ₹330.04 | SELL |
CSL Employee Welfare Trust | 10 Jun 2025 | 11 Jun 2025 | 3.05 L | 938 | ₹364.49 | SELL |
CSL Employee Welfare Trust | 09 Jun 2025 | 11 Jun 2025 | 3.06 L | 500 | ₹373.8 | SELL |
CSL Employee Welfare Trust | 12 Jun 2025 | 13 Jun 2025 | 3.02 L | 2,000 | ₹340.85 | SELL |
CSL Employee Welfare Trust | 11 Jun 2025 | 13 Jun 2025 | 3.04 L | 451 | ₹361.29 | SELL |
CSL Employee Welfare Trust | 13 Jun 2025 | 17 Jun 2025 | 3.01 L | 1,527 | ₹340.83 | SELL |
Corporate Action
Company Announcements
Technical Analysis & Indicators
Standard pivot points - most widely used
Pivot Points (CLASSIC)
| Level | Price | Distance | % Change |
|---|---|---|---|
| R4 | ₹287.48 | +₹34.83 | +13.79% |
| R3 | ₹274.03 | +₹21.38 | +8.46% |
| R2 | ₹268.52 | +₹15.87 | +6.28% |
| R1 | ₹260.58 | +₹7.93 | +3.14% |
| PIVOT | ₹255.07 | 2.42 | 0.96% |
| CURRENT | ₹252.65 | - | - |
| S1 | ₹220.23 | -₹32.42 | -12.83% |
| S2 | ₹233.68 | -₹18.97 | -7.51% |
| S3 | ₹241.62 | -₹11.03 | -4.37% |
| S4 | ₹247.13 | -₹5.52 | -2.18% |
CPR Levels
Support
Resistance
S4
N/A
S3
N/A
S2
N/A
S1
N/A
| CPR |
BC: N/AP: N/ATC: N/A
R1
N/A
R2
N/A
R3
N/A
R4
N/A
LTP: N/A
PDH: N/A
PDL: N/A
● Market Sentiment
is trading CPR, indicating
● CPR Width
CPR is
● Opening Range
Day's range: ~
● Price Position
Trading Inside opening range
Delivery Volume Analysis & Trading Activity
Latest Volume+426.4% vs avg
1.44L
(11 Mar 2026)Delivery %+25.4% vs avg
85.7%
(11 Mar 2026)Avg Volume (20D)20-day average
0.27L
(11 Feb - 11 Mar)Avg Delivery %Trend ↑
60.4%
(11 Feb - 11 Mar)Delivery % indicates the percentage of traded volume that resulted in actual delivery. Higher delivery % (>50%) suggests genuine buying interest and stronger hands.
Peer Comparison & Industry Benchmarking
Quick Compare
Largest by Market Cap
Indian Railway Finance Corporation Ltd
1.48L ₹ Cr
Best Profit Growth
Starteck Finance Ltd
107.00 %
Highest Dividend Yield
Indian Railway Finance Corporation Ltd
1.64 %
Peer Comparison
| Company Name |
|---|
 Baid Finserv Ltd |
 Indian Railway Finance Corporation Ltd |
 Mufin Green Finance Ltd |
 PTC India Financial Services Ltd |
 Starteck Finance Ltd |
 Vardhman Holdings Ltd |
About
CSL Finance Ltd
CSL Finance Limited is a non-banking financial company (NBFC) operating in India, specializing in providing loans to small and medium-sized enterprises (SMEs) and wholesale businesses. Their core business revolves around offering a diverse range of financial products tailored to meet the specific needs of their clientele.
A significant portion of CSL Finance's business focuses on providing structured finance for real estate developers. This includes loans secured against property and securities, catering to both large-scale real estate projects and smaller construction endeavors. They offer various loan products such as construction finance, refinancing options, and inventory funding, often partnering directly with developers to facilitate their projects. For corporate clients, they provide tailored corporate loans with features such as construction-linked disbursement plans and principal moratorium facilities, providing flexibility and support throughout the project lifecycle. They also participate in government initiatives like the Emergency Credit Line Guarantee Scheme, expanding access to credit for eligible businesses.
In addition to their real estate financing, CSL Finance actively engages in providing SME business loans. They offer a suite of products under various brand names, including Pragati, Shakti, Samadhan, Saarthak, and others, each likely designed to cater to particular SME segments and funding requirements. These products likely cover a range of business needs, from working capital to expansion financing. The inclusion of a "mid-sized LAP" (Loan Against Property) suggests their lending extends beyond smaller businesses to those of a more substantial scale.
CSL Finance's history traces back to 1992, initially operating under the name Consolidated Securities Limited before rebranding as CSL Finance Limited in 2016. Headquartered in Noida, India, the company has established a presence within the Indian financial landscape, focusing its efforts on providing tailored financial solutions to the SME and wholesale sectors, with a particular emphasis on real estate development financing.
COMPANY FACTS - CSLFINANCE
Registered Address
716-717, 7th Floor, tower B, World Trade, Tower, Sector-16
Noida
UTTAR PRADESH
IN
Tel: 911204290650
Website:https://www.cslfinance.in/
Investor Relations:http://www.cslfinance.in/financial-results
Company Details
Group: Financial Services
Sector: Financials
Industry: Financial Services
Exchange: NATIONAL STOCK EXCHANGE OF INDIA
Employees: 421
IPO Date: 10/05/1995
MANAGEMENT - CSLFINANCE
Mr. Naresh Varshney
Chief Financial Officer
Ms. Preeti Gupta
Chief Compliance Officer
Mr. Rohit Gupta
Managing Director, Executive Director
Ms. Rachita Gupta
Whole-Time Director
Mr. Ashok Kathuria
Executive Director
Mr. Nikhil Singh
Chief Information Security Officer
Ms. Alaktika Banerjee
Additional Non-Executive Independent Director
Mr. Parmod Bindal
Non-Executive Independent Director
Mr. Anirudha Kumar
Additional Non-Executive Independent Director
Mr. Subhash Kwatra
Non-Executive Independent Director
Investor Questions Answered
CSL Finance Ltd (CSLFINANCE) Stock FAQs
Get answers to the most common questions about CSL Finance Ltd stock price, fundamentals, financial metrics, and investment analysis
The current share price of CSL Finance Ltd (CSLFINANCE) is ₹252.65. Today, the stock has declined by ₹2.50 (0.98%), trading in a range of ₹249.55 to ₹263. The stock opened at ₹263 with a trading volume of 4,972 shares.
CSL Finance Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹599.18 crores, P/E ratio of 7.35, ROE of 7.74%, and ROCE of 14.60%. The dividend yield stands at 1.14%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
The 52-week high price of CSL Finance Ltd (CSLFINANCE) is ₹380.2, while the 52-week low is ₹227.45. Currently trading at ₹252.65, the stock is 16.5% away from its 52-week low and 33.5% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
Whether to buy CSL Finance Ltd stock at ₹252.65 depends on multiple factors. The stock is currently trading with a P/E ratio of 7.35 and P/B ratio of N/A. Today's performance shows a loss of 0.98%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
CSL Finance Ltd offers a dividend yield of 1.14%, which means for every ₹100 invested at the current price of ₹252.65, you can expect to receive approximately ₹1.14 annually as dividends. The face value of the stock is ₹10.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
CSL Finance Ltd's key financial metrics include: P/E Ratio: 7.35, P/B Ratio: N/A, ROE: 7.74%, ROCE: 14.60%, Dividend Yield: 1.14%, EPS: ₹35.47, Book Value: ₹241.21, Debt-to-Equity: 1.29, and Current Ratio: N/A. The company's market cap stands at ₹599.18 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
CSL Finance Ltd stock opened at ₹263 and is currently trading at ₹252.65, showing a decline of ₹2.50 (0.98%). The intraday high is ₹263 and low is ₹249.55. The trading volume stands at 4,972 shares, indicating moderate market participation today.
CSL Finance Ltd has a Price-to-Earnings (P/E) ratio of 7.35, which means investors are willing to pay ₹7.35 for every ₹1 of earnings. With an EPS of ₹35.47, this P/E ratio suggests the stock may be undervalued or facing growth challenges. Compare this with industry peers and historical P/E ratios for better context.
CSL Finance Ltd has a market capitalization of ₹599.18 crores, making it a small-cap company. Market cap is calculated by multiplying the current stock price (₹252.65) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.
CSL Finance Ltd has a book value of ₹241.21 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹252.65, which is 4.7% above the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.
CSL Finance Ltd has a Return on Equity (ROE) of 7.74% and Return on Capital Employed (ROCE) of 14.60%. ROE measures how efficiently the company generates profits from shareholders' equity, while ROCE indicates how well the company uses its capital to generate profits. These returns may need improvement for better profitability. Higher percentages generally indicate better financial performance.
CSL Finance Ltd operates in the diversified sector and belongs to the general industry. The company competes with other players in this space and its performance is influenced by sector-specific trends, regulatory changes, and market dynamics. Understanding the sector helps investors assess growth potential, cyclical patterns, and industry-specific risks that may impact the stock's performance.
CSL Finance Ltd has a debt-to-equity ratio of 1.29, which measures the company's financial leverage by comparing total debt to shareholders' equity. A ratio above 1 suggests the company uses more debt than equity for financing. Lower ratios generally indicate lower financial risk, but optimal levels vary by industry.
CSL Finance Ltd has an Earnings Per Share (EPS) of ₹35.47, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹252.65 and P/E ratio of 7.35, investors are paying 7.35 times the annual earnings per share. This moderate EPS suggests decent earnings generation. Track EPS growth over quarters to assess earnings momentum.
CSL Finance Ltd has reported a sales growth of N/A% and profit growth of N/A%. The company may be facing growth challenges or operating in a mature market. Consistent growth over multiple quarters is a positive indicator for long-term investors. Compare these growth rates with industry peers for better perspective.
CSL Finance Ltd has a current ratio of N/A, which measures the company's ability to pay short-term obligations with current assets. A ratio below 1 may indicate potential liquidity concerns. This metric is crucial for assessing the company's working capital management and financial safety.
To analyze CSL Finance Ltd stock, consider: 1) Fundamental Analysis - Review P/E (7.35), ROE (7.74%), debt-to-equity (1.29), and growth rates. 2) Technical Analysis - Check 52-week range (₹227.45 - ₹380.20), moving averages, and chart patterns. 3) Valuation - Compare current price (₹252.65) with book value (₹241.21) and industry peers. 4) Financial Health - Assess current ratio (N/A) and cash flows. 5) Growth Prospects - Evaluate sales growth (N/A%) and profit growth (N/A%). Always diversify and consult a financial advisor.
The face value (or par value) of CSL Finance Ltd share is ₹10.00. Face value is the nominal value of a share as stated in the company's charter and is used for accounting purposes and calculating dividends. The current market price of ₹252.65 is 2427x the face value. Face value remains constant unless the company undergoes a stock split or bonus issue, while market price fluctuates based on demand and supply.
Investing in CSL Finance Ltd carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹227.45 - ₹380.20). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 1.29 indicates leverage. 4) Liquidity Risk - Based on trading volume of 4,972 shares. 5) Valuation Risk - P/E of 7.35 may indicate over/undervaluation. 6) Economic Risk - Macroeconomic factors affecting the industry. Diversify your portfolio and invest only what you can afford to lose.
CSL Finance Ltd operates in the industry with key metrics: P/E ratio of 7.35, ROE of 7.74%, market cap of ₹599.18 crores, and dividend yield of 1.14%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 1.29), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.
Target prices for CSL Finance Ltd vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹252.65, with a 52-week range of ₹227.45 to ₹380.20. Based on fundamentals like P/E (7.35), ROE (7.74%), and growth rates, analysts may have different target prices. Always refer to recent research reports from reputed brokerages and make decisions based on your own analysis and risk appetite.
Consider selling CSL Finance Ltd stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹252.65. 2) Fundamental Deterioration - Declining ROE (currently 7.74%), increasing debt (D/E: 1.29), or falling growth rates. 3) Better Opportunities - Finding stocks with superior risk-reward ratios. 4) Portfolio Rebalancing - When the stock becomes overweight in your portfolio. 5) Changed Investment Thesis - If reasons for buying no longer hold. 6) Stop Loss - If price falls below your risk threshold. Always base decisions on thorough analysis rather than emotions.
Tax implications for CSL Finance Ltd stock investments: 1) Short-term Capital Gains (STCG) - If sold within 1 year, gains taxed at 15% plus cess. 2) Long-term Capital Gains (LTCG) - If held over 1 year, gains above ₹1 lakh taxed at 10% without indexation. 3) Dividend Income - Dividends (current yield: 1.14%) are taxable as per your income tax slab. 4) Securities Transaction Tax (STT) - Applicable on both buy and sell transactions. 5) Intraday Trading - Treated as speculative income, taxed as per slab. Tax laws change periodically, so consult a tax advisor for personalized guidance and latest regulations.
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