CSL Finance Ltd
Incorporated in 1992, CSL Finance Ltd provides finance facilities to SME business and Wholesale
business[1]
- Market Cap ₹ 1,077 Cr.
- Current Price ₹ 473
- High / Low ₹ 518 / 285
- Stock P/E 17.0
- Book Value ₹ 208
- Dividend Yield 0.53 %
- ROCE 14.7 %
- ROE 15.2 %
- Face Value ₹ 10.0
Pros
- Company is expected to give good quarter
- Company has delivered good profit growth of 21.6% CAGR over last 5 years
Cons
- Company has a low return on equity of 13.6% over last 3 years.
- Promoter holding has decreased over last 3 years: -9.93%
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Peer comparison
Sector: Finance Industry: Finance & Investments
Quarterly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue | 106 | 115 | 93 | 44 | 40 | 41 | 58 | 61 | 62 | 75 | 117 | 166 |
Interest | 1 | 1 | 1 | 1 | 3 | 6 | 12 | 11 | 7 | 11 | 27 | 43 |
99 | 104 | 80 | 25 | 13 | 9 | 11 | 18 | 15 | 19 | 28 | 37 | |
Financing Profit | 6 | 10 | 12 | 18 | 24 | 26 | 35 | 32 | 40 | 45 | 62 | 86 |
Financing Margin % | 6% | 9% | 13% | 41% | 59% | 63% | 60% | 53% | 65% | 61% | 53% | 52% |
-0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | |
Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 |
Profit before tax | 6 | 10 | 12 | 18 | 24 | 26 | 34 | 32 | 39 | 45 | 62 | 86 |
Tax % | 30% | 28% | 35% | 29% | 31% | 30% | 30% | 29% | 30% | 25% | 26% | 26% |
4 | 7 | 8 | 13 | 16 | 18 | 24 | 22 | 28 | 33 | 46 | 63 | |
EPS in Rs | 3.21 | 5.14 | 5.71 | 9.33 | 11.73 | 10.21 | 12.86 | 12.15 | 14.88 | 16.13 | 22.01 | 27.81 |
Dividend Payout % | 0% | 0% | 0% | 0% | 3% | 5% | 5% | 7% | 7% | 15% | 11% | 9% |
Compounded Sales Growth | |
---|---|
10 Years: | 4% |
5 Years: | 23% |
3 Years: | 39% |
TTM: | 41% |
Compounded Profit Growth | |
---|---|
10 Years: | 25% |
5 Years: | 22% |
3 Years: | 32% |
TTM: | 39% |
Stock Price CAGR | |
---|---|
10 Years: | 44% |
5 Years: | 40% |
3 Years: | 57% |
1 Year: | 42% |
Return on Equity | |
---|---|
10 Years: | 13% |
5 Years: | 13% |
3 Years: | 14% |
Last Year: | 15% |
Balance Sheet
Figures in Rs. Crores
Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 4 | 5 | 5 | 5 | 5 | 6 | 6 | 6 | 6 | 20 | 20 | 22 |
Reserves | 64 | 73 | 81 | 94 | 110 | 176 | 205 | 226 | 253 | 300 | 341 | 452 |
12 | 4 | 2 | 9 | 31 | 102 | 124 | 98 | 84 | 206 | 410 | 505 | |
2 | 2 | 3 | 3 | 4 | 3 | 1 | 2 | 4 | 6 | 8 | 6 | |
Total Liabilities | 83 | 83 | 90 | 110 | 149 | 288 | 336 | 332 | 348 | 532 | 779 | 985 |
0 | 1 | 0 | 1 | 1 | 1 | 4 | 3 | 3 | 6 | 8 | 8 | |
CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Investments | 18 | 15 | 8 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
64 | 68 | 81 | 109 | 148 | 286 | 332 | 329 | 345 | 526 | 771 | 978 | |
Total Assets | 83 | 83 | 90 | 110 | 149 | 288 | 336 | 332 | 348 | 532 | 779 | 985 |
Cash Flows
Figures in Rs. Crores
Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
-4 | 6 | -3 | -19 | -13 | -109 | -15 | 33 | 22 | -158 | -166 | -128 | |
-6 | 4 | 7 | 12 | 4 | -1 | -1 | -0 | -0 | -4 | -2 | -1 | |
10 | -9 | -3 | 6 | 18 | 102 | 23 | -27 | -17 | 157 | 196 | 143 | |
Net Cash Flow | 1 | 1 | 0 | -1 | 9 | -8 | 7 | 5 | 5 | -5 | 27 | 14 |
Ratios
Figures in Rs. Crores
Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
ROE % | 7% | 10% | 9% | 14% | 15% | 12% | 12% | 10% | 11% | 12% | 13% | 15% |
Documents
Announcements
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Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
9 Jul - Compliance Certificate under Regulation 74(5) of SEBI (DP) Regulations, 2018 for the quarter and month ended June 30, 2024
- General Updates 1 Jul
- Closure of Trading Window 27 Jun
- Disclosures under Reg. 29(2) of SEBI (SAST) Regulations, 2011 24 Jun
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Announcement under Regulation 30 (LODR)-Newspaper Publication
20 Jun - Newspaper publication for shareholders of the company for compulsory transfer of unpaid/unclaimed dividend & equity shares of the company to Investor Education & Protection Fund …
Annual reports
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
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Financial Year 2011
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Financial Year 2010
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Financial Year 2009
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Concalls
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May 2024Transcript PPT
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Jan 2024TranscriptNotesPPT
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Nov 2023Transcript PPT
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Nov 2021Transcript PPT
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Nov 2020Transcript PPT
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Sep 2020TranscriptNotesPPT
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Aug 2020Transcript PPT
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Feb 2020Transcript PPT
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Dec 2019TranscriptNotesPPT
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Sep 2019TranscriptNotesPPT
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Jun 2019Transcript PPT
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Jan 2019TranscriptNotesPPT
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Nov 2018Transcript PPT
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Aug 2018TranscriptNotesPPT
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Jun 2018Transcript PPT
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May 2018TranscriptNotesPPT
Business Overview:[1]
CSL is an NBFC which helps Small and Medium-Sized Enterprises and Real estate and non-real estate Corporates to avail a variety of secured loan products.
Currently, it has presence in 7 states & 29 Branches, and 3000+ Loans Disbursed,
with an AUM of Rs.1,000+ crore