CSLFINANCE

CSL Finance Limited

NBFC lender to SME borrowers and real-estate project developers

Financial Services›Financial Services›Finance›Non Banking Financial Company (NBFC)

cslfinance.in(opens the company website in a new tab)
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Key metrics

Price as of 2026-10-16

Stock price
₹206.46
Market cap
464 Cr
Stock P/E
5.3
P/B
0.75
Dividend yield
1.5%
ROE (FY26)
13.9%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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Compare with peers

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What you need to know

CSL Finance is a non-banking finance company (NBFC) that lends to small and medium businesses through its SME retail book and to project developers through its wholesale book, with every loan secured.

Company snapshot

42ndBy market cap

Ranked among 58 companies in Non Banking Financial Company (NBFC).

What we see

Positives
  • ✓Net margin of 33.6% — the business keeps a healthy share of every rupee it earns.
Concerns
  • ✗Operating cash flow is negative even though the company shows a profit — the business may not be generating real cash yet.

Statement tables · Standalone

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Standalone only

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricSept 2023Dec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Net Interest Income—28 Cr31 Cr33 Cr—33 Cr35 Cr38 Cr38 Cr40 Cr43 Cr42 Cr
Other income0.22 Cr0.24 Cr0.28 Cr0.27 Cr0.25 Cr0.31 Cr0.15 Cr0.14 Cr0.16 Cr0.27 Cr0.37 Cr0.38 Cr
Net operating income0.22 Cr29 Cr31 Cr33 Cr0.25 Cr33 Cr35 Cr38 Cr39 Cr40 Cr43 Cr43 Cr
Employee cost5 Cr6 Cr6 Cr6 Cr6 Cr7 Cr8 Cr8 Cr8 Cr9 Cr9 Cr9 Cr
Other expenses2 Cr3 Cr3 Cr2 Cr3 Cr3 Cr4 Cr3 Cr4 Cr4 Cr4 Cr5 Cr
Provisions & contingencies————————————
Depreciation0.34 Cr0.36 Cr0.36 Cr0.39 Cr0.45 Cr0.44 Cr0.45 Cr0.46 Cr0.54 Cr0.54 Cr0.56 Cr0.59 Cr
Profit before tax20 Cr24 Cr23 Cr25 Cr25 Cr23 Cr25 Cr28 Cr29 Cr25 Cr30 Cr30 Cr
Tax %26.8%29.6%20.6%25.0%27.8%25.6%24.0%22.7%15.2%17.9%35.7%25.4%
Net profit15 Cr17 Cr19 Cr18 Cr18 Cr17 Cr19 Cr21 Cr24 Cr21 Cr19 Cr22 Cr
EPS (₹)₹7.04₹7.34₹8.15₹8.12₹7.84₹7.36₹8.32₹9.36₹10.73₹9.18₹8.52₹9.72

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income———48 Cr52 Cr57 Cr81 Cr111 Cr134 Cr158 CrSign in free for the trailing twelve months
Other income0.25 Cr0.10 Cr0.20 Cr0.10 Cr0.19 Cr0.17 Cr0.29 Cr0.94 Cr0.98 Cr0.96 CrSign in free for the trailing twelve months
Net operating income0.25 Cr0.10 Cr0.20 Cr48 Cr52 Cr57 Cr81 Cr112 Cr135 Cr159 CrSign in free for the trailing twelve months
Employee cost2 Cr4 Cr7 Cr8 Cr6 Cr9 Cr16 Cr22 Cr28 Cr33 CrSign in free for the trailing twelve months
Other expenses1 Cr5 Cr5 Cr3 Cr3 Cr5 Cr8 Cr10 Cr12 Cr14 CrSign in free for the trailing twelve months
Provisions & contingencies——————————Sign in free for the trailing twelve months
Depreciation0.12 Cr0.15 Cr0.25 Cr0.74 Cr0.61 Cr0.66 Cr1 Cr1 Cr2 Cr2 CrSign in free for the trailing twelve months
Profit before tax24 Cr26 Cr36 Cr32 Cr39 Cr45 Cr62 Cr86 Cr97 Cr112 CrSign in free for the trailing twelve months
Tax %31.0%29.9%30.0%29.2%30.1%25.3%25.8%26.0%25.6%23.2%Sign in free for the trailing twelve months
Net profit16 Cr18 Cr25 Cr22 Cr28 Cr33 Cr46 Cr63 Cr72 Cr86 CrSign in free for the trailing twelve months
EPS (₹)₹35.07₹33.88₹41.65₹36.88₹45.08₹17.86₹22.02₹28.60₹31.64₹37.80Sign in free for the trailing twelve months
Dividend payout %————5.4%5.4%11.1%8.8%7.9%7.9%Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital5 Cr6 Cr6 Cr6 Cr6 Cr20 Cr20 Cr22 Cr22 Cr22 Cr
Reserves110 Cr178 Cr209 Cr226 Cr253 Cr301 Cr342 Cr452 Cr519 Cr599 Cr
Borrowings31 Cr88 Cr—96 Cr83 Cr204 Cr408 Cr503 Cr697 Cr854 Cr
Other liabilities4 Cr16 Cr125 Cr4 Cr6 Cr7 Cr8 Cr7 Cr6 Cr12 Cr
Total liabilities149 Cr288 Cr339 Cr332 Cr348 Cr532 Cr779 Cr985 Cr1,245 Cr1,488 Cr
Fixed assets (net)0.65 Cr0.75 Cr2 Cr1 Cr1 Cr4 Cr6 Cr5 Cr6 Cr6 Cr
CWIP———0 Cr0 Cr0 Cr0 Cr0 Cr0 Cr0 Cr
Investments0.21 Cr0.57 Cr0.18 Cr0.14 Cr0.14 Cr0.14 Cr0.13 Cr0.13 Cr0.16 Cr0.15 Cr
Loans & advances———311 Cr322 Cr508 Cr723 Cr909 Cr1,144 Cr1,374 Cr
Cash & bank10 Cr3 Cr10 Cr12 Cr18 Cr13 Cr40 Cr54 Cr64 Cr76 Cr
Other assets137 Cr284 Cr328 Cr8 Cr7 Cr7 Cr10 Cr16 Cr31 Cr31 Cr
Total assets149 Cr288 Cr339 Cr332 Cr348 Cr532 Cr779 Cr985 Cr1,245 Cr1,488 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity——5 Cr33 Cr22 Cr-158 Cr-167 Cr-128 Cr-172 Cr-57 Cr
Cash from investing——-0.57 Cr-0.16 Cr-0.23 Cr-3 Cr-2 Cr-1 Cr-2 Cr-1 Cr
Cash from financing——3 Cr-27 Cr-17 Cr157 Cr196 Cr143 Cr184 Cr70 Cr
Net cash flow——7 Cr5 Cr5 Cr-5 Cr27 Cr14 Cr10 Cr13 Cr
Free cash flow (OCF − Capex)——4 Cr33 Cr22 Cr-162 Cr-169 Cr-129 Cr-174 Cr-58 Cr

Ratios

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %14.4%9.8%11.7%9.7%10.6%10.4%12.6%13.3%13.3%13.9%
Debt / equity0.270.480.00530.410.320.641.131.061.291.37