Earns primarily through interest on loans made to small and medium enterprises, split between wholesale and retail channels. FY26 interest income of Rs 24,182 lakh against total revenue from operations of Rs 25,606 lakh shows the business is almost entirely a lender. The loan book is funded by borrowings of Rs 85,417 lakh, supplemented by Rs 60 crore of NCDs raised in Q1FY27. Q1FY27 saw Rs 320 crore of fresh disbursements against Rs 290 crore of collections, with a liquidity surplus of Rs 175 crore. The wholesale segment remained robust in H2 FY26 while SME retail disbursements slowed on a tougher operating environment and competitive intensity. AR · MarketPing reader · 2026-08-02
Revenue streams, as the annual report describes them. Wholesale lending (WSL), SME Retail lending. NBFC focused on SME lending, wholesale-tilted loan book
| ₹ crore · consolidated | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Revenue | 75 | 117 | 166 | 215 | 256 |
| EBITDA (ex other income) | 56 | 89 | 129 | 163 | 197 |
| margin % | 75.0 | 76.3 | 77.9 | 75.6 | 76.9 |
| Owners' profit | 33 | 46 | 63 | 72 | 86 |
| EPS, as reported (₹) | 17.86 | 22.02 | 28.60 | 31.64 | 37.80 |
| ROE % · ROCE % | 10.4 · — | 12.6 · — | 13.3 · — | 13.3 · — | 13.9 · — |
| Debt / equity (x) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from operations | (158) | (167) | (128) | (172) | (57) |
| Capex | (4) | (2) | (1) | (2) | (2) |
| ₹ crore | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 54 | 53 | 57 | 59 | 64 | 64 | 69 | 70 |
| Profit before tax | 25 | 23 | 25 | 28 | 29 | 25 | 30 | 30 |
| Net profit | 18 | 17 | 19 | 21 | 24 | 21 | 19 | 22 |
| EPS (₹) | 7.84 | 7.36 | 8.32 | 9.36 | 10.73 | 9.18 | 8.52 | 9.72 |
| Company | M.cap ₹ cr | P/E | P/B | EV/EBITDA | ROE % | ROCE % | Rev CAGR 5y % | EBITDA m. % |
|---|---|---|---|---|---|---|---|---|
| BAJAJ FINANCE LIMITED | 6,43,552 | 31.7 | 5.50 | 11.6 | 16.5 | — | 25.2 | 70.7 |
| SHRIRAM FINANCE LIMITED | 2,42,019 | 18.1 | 3.67 | 6.7 | 15.2 | — | 22.5 | 74.7 |
| CHOLAMANDALAM IN & FIN CO | 1,57,446 | 27.2 | 5.17 | 6.9 | 17.2 | — | 26.5 | 71.2 |
| TATA CAPITAL LIMITED | 1,54,110 | 28.2 | 3.27 | 6.5 | 10.4 | — | — | 75.8 |
| Date · filing | Category | Importance | 1-day % | 5-day % |
|---|---|---|---|---|
| 7 Sept 2026 · Promoter Rohit Gupta HUF buys 10,000 shares of CSL Finance | ownership changes | low | — | — |
| 1 Sept 2026 · Promoter Rohit Gupta HUF buys 26,577 shares of CSL Finance | ownership changes | medium | — | — |
| 29 Aug 2026 · CSL Finance submits newspaper copies of 34th AGM notice to exchanges | compliance | minimal | — | — |
| 27 Aug 2026 · Promoter group Rohit Gupta HUF buys 47,973 shares of CSL Finance | ownership changes | medium | — | — |
| 27 Aug 2026 · CSL Finance fixes Sep 12 record date for Rs 10 final dividend | corporate actions | high | — | — |
| 27 Aug 2026 · CSL Finance FY26 Annual Report: AUM up 21%, PAT at Rs 86 cr | results | high | — | — |
| 27 Aug 2026 · CSL Finance 34th AGM on Sep 19, 2026 with Rs 10 dividend and MD re-appointment | board shareholder meetings | low | — | — |
| 24 Aug 2026 · Promoter group entities buy CSL Finance shares via open market | ownership changes | medium | — | — |
| 20 Aug 2026 · Promoter group entities buy 72,079 shares of CSL Finance in open market | ownership changes | medium | — | — |
| 14 Aug 2026 · CSL Finance publishes newspaper ad for 34th AGM notice | compliance | minimal | — | — |
| Where a broker report shows | This document shows | Why |
|---|---|---|
| A rating (BUY / ADD / REDUCE / SELL) | A state: the latest filed quarter and the measured reactions |
| MUTHOOT FINANCE LIMITED |
| 1,12,094 |
| 9.9 |
| 2.82 |
| 3.9 |
| 26.7 |
| — |
| 22.0 |
| 84.0 |
| SBI CARDS & PAY SER LTD | 62,349 | 27.4 | 3.96 | — | 13.8 | — | — | 33.1 |
| HDB FINANCIAL SERVICES L | 55,706 | 20.2 | 2.70 | — | 12.3 | — | — | 58.0 |
| SUNDARAM FINANCE LTD | 52,217 | 23.3 | 3.51 | 6.7 | 13.8 | — | — | 78.4 |
| Metric | Company | Group median | Rank | Better than |
|---|---|---|---|---|
| P/E (TTM) | 5.9 | 18.2 | 30 of 212 | 86% |
| P/B | 0.8 | 1.1 | 92 of 245 | 62% |
| ROE | 13.8 | 3.0 | 24 of 266 | 91% |
| Debt / Equity | 0.0 | 0.0 | 5 of 266 | 11% |
| EBITDA margin | 77.2 | 48.6 | 61 of 249 | 76% |
| Revenue growth | 17.7 | 12.6 | 102 of 231 | 56% |
| Profit growth | 3.9 | 7.8 | 129 of 251 | 49% |
| Market cap | 504 | 37 | 47 of 260 | 82% |
| an event is a fact; a rating is an opinion that requires SEBI RA registration |
| A target price and upside | The current price and the multiples against the group | a target is a forecast; a multiple is a measurement |
| Estimate years marked E | More audited years; no estimates | MarketPing publishes no forecasts — your own model lives on the Models page |
This document is a statistical summary of publicly filed information and market data, prepared by software from primary sources: SEBI results XBRL filed with BSE and NSE, LODR disclosures, shareholding patterns, exchange price data. It contains no research recommendation, no price target and no opinion on the merits of any security, and is not a research report within the meaning of the SEBI (Research Analysts) Regulations, 2014, Regulation 2(1)(w)(vii). Financial statements are as filed (consolidated where the company files consolidated results). Ratios are computed over filed lines. Where a figure is unavailable the table shows a dash rather than an estimate. The business brief is written by MarketPing's reader from the annual report and checked against it; no figure in a table was generated by a model. Nothing here constitutes investment advice, an offer or a solicitation; readers should consult a SEBI-registered adviser before acting. MarketPing is not a SEBI-registered intermediary.
