CSL Finance Ltd.

NSE: CSLFINANCE BSE: 530067 SECTOR: Finance - NBFC  4680   19   2

267.90
-6.50 (-2.37%)
NSE: Today, 03:40 PM

Price Summary

Today's High

₹ 276.8

Today's Low

₹ 266.3

52 Week High

₹ 307

52 Week Low

₹ 224.95

FinStar

Ownership Below Par
Stock price may face volatility due to ownership structure.
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

555.43 Cr.

Advances

0 Cr.

No. of Shares

2.07 Cr.

P/E

14.98

P/B

1.67

Face Value

₹ 10

Div. Yield

0.93 %

Book Value (TTM)

₹  160.41

Operating Revenue

61.67 Cr.

Net Profit

27.53 Cr.

Promoter Holding

51.33 %

EPS (TTM)

₹  17.88

Sales Growth

1.34

ROE

11.23 %

ROCE

13.85%

Profit Growth

22.49 %

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

Your Added Ratios

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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 Year1.34%
3 Year14.24%
5 Year6.8%

Profit Growth

1 Year22.49%
3 Year15.05%
5 Year16.09%

ROE%

1 Year11.23%
3 Year11.34%
5 Year12.34%

ROCE %

1 Year13.85%
3 Year13.99%
5 Year15.67%

ROA%

8.119684968765

PEG Ratio

0.69

PAT Margin (%)

44.6351813027073

EPS Growth(%)

21.7904179004044

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Jun 2022 51.33 0
Mar 2022 51.33 0
Dec 2021 57.5 0
Sep 2021 57.5 0
Jun 2021 57.37 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • PAT margin has surged by 7.7054479844918%.
  • Company has maintained a good ROA of 7.61446998684126% in last 3 years.
  • The company is trading at 0.600152769655847 times the book value
  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 14.2439483394093%.
  • Promoters shareholding is 51.33%.

 Limitations

 Looks like the company does not have any serious limitations.

Quarterly Result (All Figures in Cr.)

PARTICULARS Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022
Operating Revenue 15.53 17.13 18.93 23.04 25.05
Other Income 0.08 0.03 0.02 0.05 0.05
Interest Expended 1.61 1.91 2.64 4.03 4.94
Operating Expenses 4.61 5.46 4.3 4.84 5.76
Total Provisions 0 0 0 0 0
Depreciation 0.14 0.16 0.17 0.19 0.2
Profit Before Tax 9.25 9.63 11.85 14.03 14.2
Tax 2.24 2.53 3.18 3.35 3.56
Net Profit 7.01 7.1 8.67 10.67 10.64

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

PARTICULARS Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Operating Income 40.42 41.36 59.5 60.86 61.67
Other Income 0.25 0.1 0.2 0.1 0.19
Interest 3.3 6.46 11.93 10.65 7.07
Operating Expenses 13.25 7.91 10.88 12.07 9.96
Total Provisions 0.34 1.32 0.94 6.49 5.47
Exceptional Items 0 0 0 0 0
Profit Before Tax 23.78 25.78 35.96 31.74 39.36
Tax 7.36 7.71 10.8 9.27 11.83
Profit After Tax 16.42 18.08 25.15 22.47 27.53
Adjusted EPS (Rs.) 11.69 10.21 13.59 12.28 14.96

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Equity and Liabilities
Share Capital 4.68 5.9 6.17 6.1 6.13
Total Reserves 109.54 177.93 208.59 226.45 253.06
Borrowings 0.18 37.04 34.93 40.46 45.28
Other N/C liabilities 0.01 0.35 0.98 -1.01 -0.83
Current liabilities 34.17 66.55 88.68 59.35 43.06
Total Liabilities 148.58 287.77 339.36 331.35 346.7
Assets
Loans 0 0 0 0 0
Net Block 0.65 0.79 1.66 3.3 2.88
Capital WIP 0 0 0 0 0
Intangible WIP 0 0 0 0 0
Investments 0.21 0.57 0.18 0.14 0.14
Other Loans 0.36 116.06 238.02 1.02 0.07
Other N/C Assets 0 0 0 0.06 0.49
Current Assets 147.37 170.35 99.5 326.83 343.12
Total Assets 148.58 287.77 339.36 331.35 346.7
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Jun 2021% Sep 2021% Dec 2021% Mar 2022% Jun 2022%
Promoters 57.37 57.50 57.50 51.33 51.33
csl capital privat... - 34.74 34.74 32.01 32.01
csl capital priva... 34.74 - - - -
rohit gupta 20.39 20.39 20.39 18.21 18.21
ridhima gupta 0.40 0.40 0.40 0.35 0.35
sat paul gupta 0.34 0.34 0.34 0.30 0.30
rachita gupta 0.32 0.32 0.32 0.28 0.28
rohit gupta huf - - - 0.17 0.17
PARTICULARS Jun 2021% Sep 2021% Dec 2021% Mar 2022% Jun 2022%
Investors 42.63 42.50 42.50 48.67 48.67
aadi financial adv... 6.24 6.24 6.24 4.82 4.82
kothari ventures l... - - - - -
geecee holdings llp 6.24 6.24 6.24 4.90 4.90
sanjay gupta huf - - - 5.79 5.79
lrsd securities pr... - - - 2.89 2.89
ajay relan - - - - -
rajasthan global s... - - - 1.63 1.95
gaurav sud 1.62 1.62 1.62 1.45 1.45
sachet singh 1.25 1.30 1.31 1.37 1.37
madhuri kela - - - - -
radhika sharma - - - - -
madhuri madhusudan... 1.30 1.30 1.30 1.16 1.16
ptg consultants pr... - - - 1.15 1.16
radhika sharma - - - - -
debashish neogi - - - - 1.09
sahil gupta - - - 1.01 1.01

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

CSL Finance - Quaterly Results9 Aug 2022, 1:55PM CSL Finance - Quaterly Results9 Aug 2022, 1:55PM CSL Finance - Quaterly Results9 Aug 2022, 1:55PM CSL Finance informs about opening of new branch in Bharuch 22 Jul 2022, 4:03PM CSL Finance informs about disclosure20 Jul 2022, 12:46PM CSL Finance’s AUM stands at around Rs 545 crore in Q1FY235 Jul 2022, 3:27PM CSL Finance informs about outcome of board meeting27 Jun 2022, 2:13PM CSL Finance informs about conference call8 Jun 2022, 3:49PM CSL Finance - Quaterly Results24 May 2022, 5:27PM CSL Finance - Quaterly Results24 May 2022, 5:27PM CSL Finance informs about compliance certificate7 Dec 2021, 2:20PM CSL Finance informs about issuance of duplicate share certificate27 Nov 2021, 1:08PM CSL Finance informs about related party transactions27 Nov 2021, 1:08PM CSL Finance informs about outcome of board meeting12 Nov 2021, 4:58PM CSL Finance informs about compliance certificate26 Oct 2021, 2:16PM CSL Finance informs about compliances certificate 15 Sep 2021, 5:21PM CSL Finance submits newspaper publications20 Aug 2021, 2:38PM CSL Finance informs about loss of share certificates 21 Jul 2021, 1:49PM CSL Finance informs about grant of options under ESOS9 Jul 2021, 11:56AM CSL Finance informs about annual secretarial compliance3 Jun 2021, 3:54PM CSL Finance raises Rs 10 crore through NCDs20 Oct 2020, 4:15PM CSL Finance gets nod to raise Rs 10 crore via NCDs14 Oct 2020, 11:40AM CSL Finance informs about allotment of NCDs10 Aug 2020, 12:49PM CSL Finance informs about disclosure of related party transactions27 Jul 2020, 3:11PM CSL Finance planning to raise Rs 30 crore via NCDs 27 Jul 2020, 9:25AM

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 27.5279 Cr and the compounded growth of profit in the past 3 years is 15.0471982959737 %. The PAT margin of CSL Finance is 44.6351813027073 %.

  • 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 grew by 21.7911249684546 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): The Company has a average ROE track record. The ROE of CSL Finance is at 11.2298867502112 % 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 267.9. The stock is trading at a current P/E ratio of 1.87900299938123 and the average historical P/E for the last 5 years was 8.8594618298076.

  • P/B ratio can be one of the best metrics to value such companies. Currently, CSL Finance is trading at a P/B of 1.6736 . The average historical P/B for the last 5 years was 0.980328916862197. 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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