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CRISIL Ltd

NSE: CRISIL BSE: 500092

4095.40

(4.41%)

Sun, 19 Apr 2026, 10:15 am

CRISIL Analysis

dividend

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Pros

  • Dividends per share have increased over the past 10 years.
  • Dividends paid are covered by earnings (1.5x coverage).
  • Dividends per share have been stable in the past 10 years.
  • CRISIL's pays a higher dividend yield than the bottom 25% of dividend payers in India (0.76%).
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Cons

  • CRISIL's dividend is below the markets top 25% of dividend payers in India (3.08%).

future

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Pros

  • CRISIL's earnings growth is expected to exceed the low risk savings rate of 7.2%.
  • CRISIL's revenue growth is expected to exceed the India market average.
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Cons

  • Cash flow for CRISIL is expected to increase but not above the 50% threshold in 2 years time.
  • CRISIL's earnings are expected to grow by 10.4% yearly, however this is not considered high growth (20% yearly).
  • CRISIL's earnings growth is positive but not above the India market average.
  • CRISIL's earnings are expected to increase but not above the low risk growth rate next year.
  • CRISIL's revenue is expected to grow by 8.5% yearly, however this is not considered high growth (20% yearly).

health

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Pros

  • CRISIL is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • CRISIL is profitable, therefore cash runway is not a concern.
  • CRISIL is profitable, therefore cash runway is not a concern.
  • Debt is well covered by operating cash flow (16698.9%, greater than 20% of total debt).
  • Debt is covered by short term assets, assets are 361.4x debt.
  • CRISIL's cash and other short term assets cover its long term commitments.
  • CRISIL earns more interest than it pays, coverage of interest payments is not a concern.
  • CRISIL's level of debt (0.2%) compared to net worth is satisfactory (less than 40%).
  • Low level of unsold assets.
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Cons

    management

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    Pros

    • Ashu's remuneration is about average for companies of similar size in India.
    • Ashu's compensation has been consistent with company performance over the past year, both up more than 20%.
    • The average tenure for the CRISIL management team is over 5 years, this suggests they are a seasoned and experienced team.
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    Cons

    • The average tenure for the CRISIL board of directors is less than 3 years, this suggests a new board.
    • CRISIL individual insiders have only sold shares in the past 3 months.

    past

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    Pros

    • CRISIL's year on year earnings growth rate has been positive over the past 5 years.
    • CRISIL used its assets more efficiently than the IN Capital Markets industry average last year based on Return on Assets.
    • CRISIL has efficiently used shareholders’ funds last year (Return on Equity greater than 20%).
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    Cons

    • CRISIL's 1-year earnings growth is negative, it can't be compared to the 5-year average.
    • CRISIL's use of capital deteriorated last year versus 3 years ago (Return on Capital Employed).
    • CRISIL's 1-year earnings growth is negative, it can't be compared to the IN Capital Markets industry average.

    value

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    Pros

    • CRISIL outperformed the Capital Markets industry which returned -21% over the past year.
    • CRISIL outperformed the Market in India which returned -14.5% over the past year.
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    Cons

    • CRISIL's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).
    • CRISIL's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).
    • CRISIL is overvalued based on assets compared to the IN Capital Markets industry average.
    • CRISIL is poor value based on expected growth next year.
    • CRISIL is overvalued based on earnings compared to the IN Capital Markets industry average.
    • CRISIL is overvalued based on earnings compared to the India market.
    • NSEI:CRISIL is down -2.7% underperforming the Capital Markets industry which returned 8.7% over the past month.
    • NSEI:CRISIL is down -2.7% underperforming the market in India which returned 8% over the past month.

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    Pocketful Fintech Capital Private Limited (CIN U65999DL2021PTC390548) | The SEBI Registration No. allotted to us is INZ000313732. NSE Member Code: 90326 | BSE Member Code: 6808 | MCX Member Code: 57120 DP | CDSL: 12099800