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CFSL Ltd (511710) Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating

BSE: 511710 NSE: | Finance - NBFC | Small Cap

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CFSL Share Price
₹2.09 -0.01 (-0.48%)
As on 13-Apr'26 16:59

CFSL Ltd (511710)

BSE: 511710 NSE:
Finance - NBFC | Small Cap Place order
Key Metrics
Market Cap
₹14 Cr.
Earnings Per Share (TTM)
₹0.01
P/E Ratio
279.30
Price to Book (P/B)
0.90
EV/EBITDA
42.54
Current Price
₹2.1
Return on Capital Employed (ROCE)
4.55%
Return on Equity (ROE)
2.52%
Return on Assets (ROA)
2.45%
Gross NPA(%)
0.00
Book Value per Share
₹2.3
Net NPA(%)
0.00
Dividend Yield
0.00%
Net Interest Income Growth (1 Year)
-11.36%
Net Interest Income Growth (3 Years)
3.86%
52-Week Low / High
₹2 / 4
Book Value Growth (1 Year)
2.65%
Book Value Growth (3 Years)
2.89%

DeciZen - make an informed investing decision on CFSL

Based on:

M-Cap below 100cr DeciZen not available

CFSL stock performance

Key Ratios
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Is CFSL Ltd an attractive stock to invest in?

1. Is CFSL Ltd a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that CFSL Ltd is a below average quality company.

2. Is CFSL Ltd undervalued or overvalued?

The key valuation ratios of CFSL Ltd's currently when compared to its past seem to suggest it is in the Somewhat overvalued zone.

3. Is CFSL Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of CFSL Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

10 Year X-Ray :

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
CFSL Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Operating Income (₹ Cr.)6.46.92.73.71.11.32.21.22.72.41
YoY Gr. Rt. %-8.3%-61.1%36.4%-71.1%23.6%64.9%-46.3%135.3%-11.4%-
Adj EPS (₹ ) -0.100.10.1000.1-00.20.10
YoY Gr. Rt. %-NA500%-41.7%-42.9%-25%233.3%-140%NA-66.7%-
BVPS (₹ )1.81.81.92222.12.12.32.32.3
YoY Gr. Rt. %-1.1%6.2%3.7%2.1%1.5%5.5%-2.4%8.7%2.7%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)-3.60.96.33.42.21.54.9-2.182.50

CAGR ⓘ

CAGR Colour Code Guide ⓘ

9 Years 5 Years 3 Years 1 Years
Net Interest Income-10.2%18%3.9%-11.4%
Adj EPSNA8.5%-15.7%-66.7%
BVPS3.2%3.1%2.9%2.7%
Share Price -7.7% 2.6% 6.5% -5.9%

Key Financial Ratios

RATIOS \ YEARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%) 0000000000-
Margins
Net Profit Margin (%)-6.71.628.111.627.615.631.1-24.642.415.55.5
Performance Ratios To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)-3.716.43.42.31.65-2.18.22.50.4

Recent Performance Summary

Total Income has increased 3.86 CAGR in last 3 years

Return on Equity has declined versus last 3 years average to 0.40%

Net Profit has declined -15.66 CAGR in last 3 years

Total income growth is poor in last 4 quarters

Latest Financials

Standalone Consolidated
TTM EPS (₹) 0 -
TTM Sales (₹ Cr.) 1.2 -
BVPS (₹) ⓘ 2.3 -
Reserves (₹ Cr.) ⓘ 2 -
P/BV ⓘ 0.90 -
PE ⓘ 279.30 -
From the Market
52 Week Low / High (₹) 1.68 / 3.80
All Time Low / High (₹) 0.16 / 34.75
Market Cap (₹ Cr.) 13.7
Equity (₹ Cr.) 13
Face Value (₹) 2
Industry PE ⓘ 29.1

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Valuation of CFSL - Standalone Basis

YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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Event Update

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Analyst's Notes

data not found
No data found!

Key Ratios

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Income + 6.417.072.763.671.091.312.161.162.732.42
Interest Income6.396.922.693.671.061.312.161.162.732.42
Other Income ⓘ 1.7800.090.170.050.020.010.0700
Exceptional Items ⓘ 0.020.150.0700.0300000
Expenditure ⓘ + 6.816.922.453.090.681.031.351.361.451.74
Interest Expense ⓘ 0000000000
Operating Expenses ⓘ 5.036.922.362.920.631.011.331.291.451.74
Provisions 1.7800.090.170.050.020.010.0700
Exceptional Items ⓘ 000.5300-0.010000
Profit Before Tax ⓘ -0.400.150.840.580.410.280.82-0.201.290.68
Taxes ⓘ 0.030.040.080.160.120.070.140.090.130.30
Profit After Tax -0.430.110.760.430.290.200.67-0.291.160.38
Adjusted EPS (₹)-0.10.00.10.10.00.00.1-0.00.20.1
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Equity and Liabilities

Equity Capital +11.4011.5012.2612.6912.9813.1813.8613.5714.7315.10
Share Capital ⓘ 13.0313.0313.0313.0313.0313.0313.0313.0313.0313.03
Reserves ⓘ -1.64-1.53-0.77-0.35-0.060.150.820.541.692.06
Short term borrowings0000000000
Long Term Borrowings-0-0-0-0-0-0-0-0-0-0
Current Liabilities 0.420.070.220.220.350.160.220.270.270.50
Trade Payables0.39000.010.090.040.010.040.020.04
Other Liabilities-0.39-00-0.01-0.09-0.04-0.01-0.04-0.02-0.04
Total Liabilities ⓘ 11.8111.5812.4712.9013.3313.3414.0813.851515.60

Assets

Non Current Asset +4.812.050.010.010.010000.010.01
Loan Asset 0000000000
Other Non Current Asset ⓘ 4.812.050.010.010.010000.010.01
Current Asset +7.019.5312.4712.9013.3213.3414.0813.8414.9915.59
Current Investment0000000000
Other Current Asset7.019.5312.4712.9013.3213.3414.0813.8414.9915.59
Total Assets ⓘ 11.8111.5812.4712.9013.3313.3414.0813.851515.60

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Cash Flow From Operating Activity ⓘ 4.26-1.59-1.52-1.940.070.040.14-0.230.150.05
Cash Flow From Investing Activity ⓘ -4.642.802.0400000-00
Cash Flow From Financing Activity ⓘ 0000000000
Net Cash Flow ⓘ -0.381.210.52-1.940.070.040.14-0.230.140.05

Finance Ratio

PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Operational & Financial Ratios
EPS (₹)-0000000-000
DPS (₹)0000000000
BVPS (₹)2222222222

Performance Ratios

ROA (%)-3.60.96.33.42.21.54.9-2.18.02.5
ROE (%)-3.71.06.43.42.31.65.0-2.18.22.5
ROCE (%)-3.51.37.14.73.22.16.1-1.49.14.6

Valuation Parameters

Price/Book(x)3.40.70.60.60.00.91.30.70.70.9

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

CFSL Ltd FAQs

The current trading price of CFSL on 13-Apr-2026 16:59 is ₹2.09.

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 12-Apr-2026 the market cap of CFSL stood at ₹13.69 Cr

The latest P/E ratio of CFSL as of 12-Apr-2026 is 279.3.

The latest P/B ratio of CFSL as of 12-Apr-2026 is 0.90.

The 52-week high of CFSL is ₹3.80 and the 52-week low is ₹1.68.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of CFSL is ₹1.18 ( Cr.) .

About CFSL Ltd

Cubical Financial Services is a Delhi Stock Exchange and Bombay Stock Exchange listed investment company incorporated in May, 1990. The company’s registered office is located at 902, Aggarwal Millennium Tower, Netaji Subhash Place, Pitam Pura, Delhi-110034.

Business Profile:

It is an investment company, engaged in regular investments as per in house analysis in financial markets, stocks and properties etc. for short term as well as long term basis.

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