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CSL Finance Ltd

NSE: CSLFINANCE BSE: 530067

263.25

(-3.20%)

Tue, 10 Mar 2026, 03:26 am

CSL Finance Analysis

dividend

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Pros

  • Dividends paid are thoroughly covered by earnings (22.7x coverage).
  • CSL Finance's pays a higher dividend yield than the bottom 25% of dividend payers in India (0.76%).
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Cons

  • Dividend payments have increased, but CSL Finance only paid a dividend in the past 3 years.
  • Whilst dividend payments have been stable, CSL Finance has been paying a dividend for less than 10 years.
  • CSL Finance's dividend is below the markets top 25% of dividend payers in India (3.08%).

health

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Pros

  • CSL Finance is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • CSL Finance is profitable, therefore cash runway is not a concern.
  • CSL Finance is profitable, therefore cash runway is not a concern.
  • Debt is covered by short term assets, assets are 3.1x debt.
  • CSL Finance's cash and other short term assets cover its long term commitments.
  • Interest payments on debt are well covered by earnings (EBIT is 4.5x coverage).
  • Low level of unsold assets.
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Cons

  • Debt is not well covered by operating cash flow (4.6%, less than 20% of total debt).
  • The level of debt compared to net worth has increased over the past 5 years (0.7% vs 48% today).
  • CSL Finance's level of debt (48%) compared to net worth is high (greater than 40%).

management

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Pros

  • The tenure for the CSL Finance board of directors is about average.
  • Rohit's compensation has been consistent with company performance over the past year, both up more than 20%.
  • The tenure for the CSL Finance management team is about average.
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Cons

  • Rohit's remuneration is higher than average for companies of similar size in India.

misc

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Pros

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    Cons

    • CSL Finance is not covered by any analysts.
    • CSL Finance has significant price volatility in the past 3 months.

    past

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    Pros

    • CSL Finance has delivered over 20% year on year earnings growth in the past 5 years.
    • CSL Finance used its assets more efficiently than the IN Diversified Financial industry average last year based on Return on Assets.
    • CSL Finance's earnings growth has exceeded the IN Diversified Financial industry average in the past year (18.1% vs 13.5%).
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    Cons

    • CSL Finance's 1-year earnings growth is less than its 5-year average (18.1% vs 23.8%)
    • CSL Finance's use of capital deteriorated last year versus 3 years ago (Return on Capital Employed).
    • CSL Finance has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).

    value

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    Pros

    • CSL Finance is good value based on earnings compared to the IN Diversified Financial industry average.
    • CSL Finance is good value based on earnings compared to the India market.
    • 530067 matched the Diversified Financial industry (-37.3%) over the past year.
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    Cons

    • CSL Finance's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).
    • CSL Finance's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).
    • CSL Finance is overvalued based on assets compared to the IN Diversified Financial industry average.
    • 530067 underperformed the Market in India which returned -14.5% over the past year.
    • BSE:530067 is flat (0%) underperforming the Diversified Financial industry which returned 10.8% over the past month.
    • BSE:530067 is flat (0%) 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