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Bearish
4
Neutral
3
Bullish
7
Bearish
36
Neutral
3
Bullish
7
Bearish
32
Neutral
0
Bullish
0
Discovery themes featuring this stock
CSL Finance Limited is a listed NBFC providing secured loans to SMEs and real estate/non-real estate corporates, operating two core verticals — Wholesale real estate lending (69% AUM) and SME Retail (31% AUM) — with a focus on secured collateral, digital-first origination, and targeted micro-market expertise primarily across NCR and select states.
Q3FY26 performance shows substantive balance-sheet growth: AUM of ₹1,460 crore (up 27% YoY), on-book loan book ₹1,385 crore, disbursements of ₹357 crore and NII of ₹41.4 crore; disbursements and collections both rose ~25–27% YoY, underpinning near-term revenue and demonstrating effective scaling of lending operations.
Asset quality is a developing watch-point: GNPA rose to 1.00% in Q3FY26 from 0.38% a year earlier and provision coverage ratio declined to 128% after an ECL policy change aligned to RBI directives; management expects recoveries via SARFAESI and improved resolutions over the next 6–9 months.
Operational strengths include a digital-first operating model with paperless onboarding, modular API architecture, proprietary mobility apps, and strong collection automation, combined with a recently reaffirmed A- | Stable credit rating that should enable access to cheaper funding and support margin expansion and AUM growth.
Finance
Non Banking Financial Company (NBFC)
512 Cr
Moderate Risk
5.9
17.8
0.2
0.8
380.00
214.30
Sales CAGR
Profit CAGR
ROE
ROCE
Discovery themes featuring this stock
| Symbol | Watchlist | Price | Market Cap | P/E | P/B | Div Yield (%) | ROE (%) | ROCE (%) | ROA (%) |
1901.10 | 562 Cr | 34.72 | 0.17 | 0.03 | 0.31 | 0.40 | 0.48 | ||
106.55 | 558 Cr | 11.22 | 1.20 | 0.00 | 10.69 | 11.27 | 2.74 | ||
224.85 | 512 Cr | 5.94 | 0.82 | 0.00 | 13.85 | 13.23 | 5.79 | ||
46.30 | 507 Cr | -1078.15 | 1.56 | 0.00 | -0.12 | 4.94 | 0.05 | ||
72.40 | 500 Cr | 373.06 | 1.69 | 0.00 | 0.45 | 8.75 | 0.13 | ||
783.10 | 477 Cr | 26.57 | 0.17 | 0.38 | 0.66 | 3.56 | 0.91 | ||
170.00 | 471 Cr | 128.28 | 0.21 | 0.00 | 0.05 | 1.53 | 0.11 | ||
| Median: 7 Co. | — | 170.00 | 507 Cr | 26.57 | 0.82 | 0.00 | 0.45 | 4.94 | 0.48 |
Discover detailed, AI-driven financial summaries that break down key metrics, trends, and insights—empowering you to make smarter investment decisions.
CSL Finance Ltd (CSLFINANCE) is currently trading at 219.25 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.
CSL Finance Limited is a listed NBFC providing secured loans to SMEs and real estate/non-real estate corporates, operating two core verticals — Wholesale real estate lending (69% AUM) and SME Retail (31% AUM) — with a focus on secured collateral, digital-first origination, and targeted micro-market expertise primarily across NCR and select states. Q3FY26 performance shows substantive balance-sheet growth: AUM of ₹1,460 crore (up 27% YoY), on-book loan book ₹1,385 crore, disbursements of ₹357 crore and NII of ₹41.4 crore; disbursements and collections both rose ~25–27% YoY, underpinning near-term revenue and demonstrating effective scaling of lending operations. Asset quality is a developing watch-point: GNPA rose to 1.00% in Q3FY26 from 0.38% a year earlier and provision coverage ratio declined to 128% after an ECL policy change aligned to RBI directives; management expects recoveries via SARFAESI and improved resolutions over the next 6–9 months. Operational strengths include a digital-first operating model with paperless onboarding, modular API architecture, proprietary mobility apps, and strong collection automation, combined with a recently reaffirmed A- | Stable credit rating that should enable access to cheaper funding and support margin expansion and AUM growth.
Over the past 52 weeks, CSL Finance Ltd has traded between a low of ₹214.30 and a high of ₹380.00. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.
CSL Finance Ltd has a market capitalization of approximately 511.93. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.
CSL Finance Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 5.94 and operates in the its sector sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.
Based on its market capitalization of 511.93 Cr, CSL Finance Ltd is classified as a Small Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.
CSL Finance Ltd operates in the its sector sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.
The Price-to-Earnings (PE) ratio of CSL Finance Ltd is 5.94. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.
The 81% drop in CSL's first-half net profit was primarily caused by government policy changes, significant one-off restructuring costs, impairments, falling US vaccination rates, and reduced demand for its albumin product in China.
Earnings Transcript
Transcript of CSL Finance Q4 FY26 earnings call: AUM +21% to Rs.1,448cr, loan book Rs.1,395cr, Q4 PAT Rs.19.4cr, FY PAT Rs.86cr (+19%), GNPA 1.1%, AUM mix shifted to wholesale (69%); FY27 AUM guidance 15–25%.
Earnings conference
CSL Finance Q4/FY26 earnings call: AUM up 21% to Rs.1,448cr, FY26 loan book Rs.1,395cr; FY26 PAT Rs.86cr (+19%), Q4 PAT Rs.19.4cr; GNPA 1.1% in Q4; board approved new ECL policy; wholesale drives growth, SME retail remains subdued.
