CSL Finance
NSE: CSLFINANCE · Non Banking Financial Company (NBFC)
Snapshot
Unlock CSL Finance's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
CSL Finance Limited is a non-banking financial company that provides wholesale and SME retail lending solutions. Its portfolio includes construction finance for small builders, loans against property, and corporate financing for various sectors including education, medical, and agriculture.
Business Model
The company generates revenue primarily through interest income earned on its diverse loan portfolio, which spans real estate development, SME lending, and corporate credit. It operates as a non-banking financial company, leveraging its capital to provide credit to segments often underserved by traditional banks.
Growth Outlook
Growth is expected to be driven by the expansion of its SME retail lending footprint and continued demand for construction finance among small-scale real estate developers. The company aims to leverage its established presence in the Indian market to capture opportunities in niche lending segments.
Key Risks
- Credit Risk. The company faces potential losses if borrowers in the SME and real estate sectors default on their loan obligations.
- Interest Rate Risk. Fluctuations in interest rates may impact the company's net interest margins and the affordability of loans for its clients.
- Regulatory Risk. As an NBFC, the company is subject to stringent and evolving regulations by the Reserve Bank of India which could impact operational flexibility.
- Concentration Risk. Heavy exposure to the real estate and construction sectors makes the company vulnerable to cyclical downturns in the property market.
Start your research today
Unlock AI insights, financials, peers and live data on CSL Finance and 5,000+ companies — free.
Key Metrics
REVENUE
₹267 Cr
TTM · standalone
NET PROFIT
₹87 Cr
TTM · standalone
EPS
₹38.15
TTM · standalone
RETURN ON EQUITY
14.9%
TTM · standalone
P/E
6.6x
Q1 FY27 · standalone
NET PROFIT MARGIN
31.7%
Q1 FY27 · standalone
Peers · Non Banking Financial Company (NBFC)
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
CSL FinanceCSLFINANCE | ₹574 Cr | 6.60 | — | 19.3% | — | 14.9% | — | -14.2% |
Manba FinanceMANBA | ₹648 Cr | 13.27 | — | 31.7% | — | 12.6% | — | -7.1% |
Niyogin FintechNIYOGIN | ₹640 Cr | -383.47 | — | -19.3% | — | -0.9% | — | -16.6% |
Dhunseri Investments LimitedDHUNINV | ₹621 Cr | 6.33 | — | -12.3% | — | 6.0% | — | -28.7% |
N. B. I. Industrial Finance Company LimitedNBIFIN | ₹586 Cr | 47.12 | — | 0.5% | — | 0.4% | — | -20.9% |
Kiran VyaparKIRANVYPAR | ₹560 Cr | 86.31 | — | 0.0% | — | 0.3% | — | -2.2% |
As of Q1 FY27
Financials
CSL Finance
NSE: CSLFINANCE · Non Banking Financial Company (NBFC)
Snapshot
Unlock CSL Finance's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
CSL Finance Limited is a non-banking financial company that provides wholesale and SME retail lending solutions. Its portfolio includes construction finance for small builders, loans against property, and corporate financing for various sectors including education, medical, and agriculture.
Business Model
The company generates revenue primarily through interest income earned on its diverse loan portfolio, which spans real estate development, SME lending, and corporate credit. It operates as a non-banking financial company, leveraging its capital to provide credit to segments often underserved by traditional banks.
Growth Outlook
Growth is expected to be driven by the expansion of its SME retail lending footprint and continued demand for construction finance among small-scale real estate developers. The company aims to leverage its established presence in the Indian market to capture opportunities in niche lending segments.
Key Risks
- Credit Risk. The company faces potential losses if borrowers in the SME and real estate sectors default on their loan obligations.
- Interest Rate Risk. Fluctuations in interest rates may impact the company's net interest margins and the affordability of loans for its clients.
- Regulatory Risk. As an NBFC, the company is subject to stringent and evolving regulations by the Reserve Bank of India which could impact operational flexibility.
- Concentration Risk. Heavy exposure to the real estate and construction sectors makes the company vulnerable to cyclical downturns in the property market.
Start your research today
Unlock AI insights, financials, peers and live data on CSL Finance and 5,000+ companies — free.
Key Metrics
REVENUE
₹267 Cr
TTM · standalone
NET PROFIT
₹87 Cr
TTM · standalone
EPS
₹38.15
TTM · standalone
RETURN ON EQUITY
14.9%
TTM · standalone
P/E
6.6x
Q1 FY27 · standalone
NET PROFIT MARGIN
31.7%
Q1 FY27 · standalone
Peers · Non Banking Financial Company (NBFC)
As of Q1 FY27