CSL Finance Ltd.

BSE: 530067 SECTOR: Finance - NBFC  2275   15   1

132.90
+2.35 (1.80%)
BSE: 22 Oct 05:10 PM

Price Summary

Today's High

₹ 135

Today's Low

₹ 128

52 Week High

₹ 172.65

52 Week Low

₹ 0

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationFair
The stock’s market price justifies its intrinsic value.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsVery Stable
The company possesses stable growth history and sound margins.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

245.97 Cr.

Advances

0 Cr.

No. of Shares

1.85 Cr.

P/E

8.94

P/B

0.88

Face Value

₹ 10

Div. Yield

0.74 %

Book Value (TTM)

₹  150.52

Operating Revenue

60.7 Cr.

Net Profit

22.47 Cr.

Promoter Holding

57.37 %

EPS (TTM)

₹  14.87

Sales Growth

2.02

ROE

10.08 %

ROCE

12.75%

Profit Growth

-10.66 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.
* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

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Ratios

Income Growth

1 Year2.02%
3 Year14.52%
5 Year-8.2%

Profit Growth

1 Year-10.66%
3 Year11.03%
5 Year22.98%

ROE%

1 Year10.08%
3 Year11.67%
5 Year12.94%

ROCE %

1 Year12.75%
3 Year14.36%
5 Year16.99%

ROA%

6.70147869409462

PEG Ratio

NA

PAT Margin (%)

37.0221437349473

EPS Growth(%)

NA

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Jun 2021 57.37 0
Mar 2021 57.36 0
Dec 2020 57.07 0
Sep 2020 57.07 0
Jun 2020 57.07 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • Company has maintained a good ROA of 7.66982907137324% in last 3 years.
  • TThe company has been maintaining a healthy ROCE of 14.3592783047507% since last 3 years.
  • The company is trading at 0.449302295479756 times the book value
  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 14.5214318277625%.
  • Promoters shareholding is 57.37%.

 Limitations

  • PAT margin has shrunk by 5.2544669855338%.
  • Provision and contingencies have increased by 592.169902124244%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021
Operating Revenue 14.75 15.1 14.86 16.96 15.53
Other Income 0.01 0.02 0.04 0.11 0.08
Interest Expended 1.93 1.52 1.62 1.94 1.61
Operating Expenses 3.32 4.24 4.1 3.23 4.61
Total Provisions 0 0 0 0 0
Depreciation 0.18 0.14 0.15 0.15 0.14
Profit Before Tax 9.33 9.22 9.05 11.76 9.25
Tax 2.31 2.36 4.18 2.98 2.24
Net Profit 7.02 6.86 4.86 8.78 7.01

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
Operating Income 44.38 40.42 41.36 59.5 60.7
Other Income 0.29 0.25 0.1 0.2 0.25
Interest 1.43 3.3 6.46 11.93 10.65
Operating Expenses 24.29 13.25 7.91 10.88 12.06
Total Provisions 0.47 0.34 1.32 0.94 6.49
Exceptional Items 0 0 0 0 0
Profit Before Tax 18.49 23.78 25.78 35.96 31.74
Tax 5.43 7.36 7.71 10.8 9.27
Profit After Tax 13.06 16.42 18.08 25.15 22.47
Adjusted EPS (Rs.) 9.3 11.69 10.21 13.59 12.14

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
Equity and Liabilities
Share Capital 4.68 4.68 5.9 6.17 6.1
Total Reserves 93.69 109.54 177.93 208.59 226.45
Borrowings 0.07 0.18 37.04 34.93 40.46
Other N/C liabilities 0 0.01 0.35 0.98 0.98
Current liabilities 12.04 34.17 66.55 88.68 57.36
Total Liabilities 110.48 148.58 287.77 339.36 331.35
Assets
Loans 0 0 0 0 0
Net Block 0.52 0.65 0.79 1.66 3.3
Capital WIP 0 0 0 0 0
Intangible WIP 0 0 0 0 0
Investments 0.82 0.21 0.57 0.18 0.14
Other Loans 0 0.36 116.06 238.02 0.97
Other N/C Assets 0 0 0 0 0.11
Current Assets 109.14 147.37 170.35 99.5 326.83
Total Assets 110.48 148.58 287.77 339.36 331.35
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Jun 2020% Sep 2020% Dec 2020% Mar 2021% Jun 2021%
Promoters 57.07 57.07 57.07 57.36 57.37
csl capital privat... 35.18 34.74 - 34.74 34.74
csl capital priva... - - 34.74 - -
rohit gupta 20.67 20.39 20.39 20.39 20.39
ridhima gupta 0.40 0.40 0.40 0.40 0.40
sat paul gupta 0.34 0.34 0.34 0.34 0.34
rachita gupta 0.32 0.32 0.32 0.32 0.32
PARTICULARS Jun 2020% Sep 2020% Dec 2020% Mar 2021% Jun 2021%
Investors 42.93 42.93 42.93 42.64 42.63
aadi financial adv... 6.34 6.24 6.24 6.24 6.24
kothari ventures l... 6.34 - - - -
geecee holdings llp - 6.24 6.24 6.24 6.24
ajay relan 1.65 - - - -
gaurav sud - 1.62 1.62 1.62 1.62
sachet singh - 1.15 1.25 1.30 1.31
madhuri kela 1.32 - - - -
radhika sharma 1.32 - - - -
madhuri madhusudan... - 1.30 1.30 1.30 1.30
radhika sharma - 1.23 - - -

Annual Reports

Ratings & Research Reports

Company Presentations

CSL Finance Stock Price Analysis and Quick Research Report. Is CSL Finance an attractive stock to invest in?

 

Around 2% of India's total population invests in financial assets. The penetration of the mutual fund industry in India is close to 7% (Based on the number of PAN cardholders). This under penetration of the mutual fund industry offers a huge opportunity for the industry to grow.

Migration to financial savings, wider distribution and sustainable performance are expected to enable growth in the industry.

Also, increasing financial literacy among investors, digitization and the number of mediums available tend to attract more investors to invest in the financial markets.

To understand the functions of the CSL Finance better, you must go through the following points:

Key Financials –

  • Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of the company is Rs 22.4737 Cr and the compounded growth of profit in the past 3 years is 11.0309890827281 %. The PAT margin of CSL Finance is 37.0221437349473 %.

  • EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In CSL Finance , the EPS #if( -10.6590236119487 > 0) then "grew" else "declined";# by -10.6590236119487 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): The Company has a #if( 10.0812461201989 >= 20) then "healthy" elseif( 10.0812461201989 < 20 and 10.0812461201989 >=10) then "average" else "poor";# ROE track record. The ROE of CSL Finance is at 10.0812461201989 % for the latest year.

  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of CSL Finance is worth at the current levels at Rs $$PRICE_Y_1$$. The stock is trading at a current P/E ratio of 4.63368719881461 and the average historical P/E for the last 5 years was 8.24648323060631.

  • P/B ratio can be one of the best metrics to value such companies. Currently, CSL Finance is trading at a P/B of 0.865 . The average historical P/B for the last 5 years was 0.928178582261121. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

Brief about CSL Finance

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