CSL Finance Ltd - Stock Valuation and Financial Performance

BSE: 530067 | NSE: CSLFINANCE | Finance - NBFC | Small Cap

CSL Finance Share Price

479.80 14.70 3.16%
as on 28-Mar'24 16:01

DeciZen - make an informed investing decision on CSL Finance

Overall Rating
Bole Toh

1. Quality

2. Valuation

Overvalued

3. Price Trend

CSL Finance stock performance -

mw4me loader
P/E Ratio (SA):
19.12
Market Cap:
1,083.8 Cr.
52-wk low:
191
52-wk high:
517.2

Is CSL Finance Ltd an attractive stock to invest in?

1. Is CSL Finance Ltd a good quality company?

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

2. Is CSL Finance Ltd undervalued or overvalued?

The key valuation ratios of CSL Finance Ltd's currently when compared to its past seem to suggest it is in the Overvalued zone.

3. Is CSL Finance Ltd a good buy now?

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

10 Year X-Ray of CSL Finance:

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.
CSL Finance Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Operating Income (₹ Cr.)11393.144.440.441.459.560.961.774.6117150
YoY Gr. Rt. %--17.6%-52.3%-8.9%2.3%43.9%2.3%1.3%21%57.1%-
Adj EPS (₹ ) 5.15.79.311.710.213.612.31516.522.624.9
YoY Gr. Rt. %-10.9%63.4%25.7%-12.7%33.1%-9.6%21.8%10.5%36.4%-
BVPS (₹ )55.160.77081.3102.5115.7126.7140.5157.9177.9200.3
YoY Gr. Rt. %-10.3%15.3%16.1%26%12.9%9.5%11%12.4%12.7%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)8.79.21312.78.386.78.17.670

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income0.4%23.2%24.4%57.1%
Adj EPS17.9%17.2%22.5%36.4%
BVPS13.9%11.7%12%12.7%
Share Price 51.2% 36.2% 78.2% 135.7%

Key Financial Ratios

RATIOS \ YEARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
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 (%)6.48.629.440.643.742.336.944.644.838.937.8
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)9.99.814.215.512.212.710.111.211.613.412.4

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 13.20%

Total Income has increased 24.43 CAGR in last 3 years

Net Profit has increased 22.46 CAGR in last 3 years

Total income growth is good in last 4 quarters

No data to display

Latest Financials - CSL Finance Ltd.

Standalone Consolidated
TTM EPS (₹) 24.9 -
TTM Sales (₹ Cr.) 150 -
BVPS (₹.) 200.3 -
Reserves (₹ Cr.) 434 -
P/BV 2.37 -
PE 19.12 -
From the Market
52 Week Low / High (₹) 191.00 / 517.15
All Time Low / High (₹) 1.75 / 517.15
Market Cap (₹ Cr.) 1,084
Equity (₹ Cr.) 22.8
Face Value (₹) 10
Industry PE 31

Management X-Ray of CSL Finance:

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 (%)

Event Update

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Analyst's Notes

Key Ratios of CSL Finance

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Income1159445414160616275118
Interest Income1139344404160616275117
Other Income 2100000000
Expenditure 105822617162429223056
Interest Expense 11136121171127
Operating Expenses 10480241381112101524
Provisions 0000116545
Exceptional Items 0000000000
Profit Before Tax 10121824263632394562
Taxes 34578119121116
Profit After Tax 781316182522283346
Adjusted EPS (₹)5.15.79.311.710.213.612.315.016.522.6
Dividend Payout Ratio (%)0%0%0%3%5%5%5%7%15%11%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Equity and Liabilities

Equity Capital778598114182215233259320361
Share Capital 555566662020
Reserves 738194110176209226253300341
Minority Interest0000000000
Long Term Borrowings000037363944186376
Current Liabilities 651234678959432439
Trade Payables0000000000
Short term borrowings42931516255371831
Other Liabilities-4-2-9-31-50-62-55-37-16-30
Total Liabilities 8390110149288339331347531778

Assets

Non Current Asset 254111172405468
Loan Asset 0000000000
Other Non Current Asset 254111172405468
Current Asset 598610914717099327343525770
Current Investment0500000000
Other Current Asset598110914717099327343525770
Total Assets 8390110149288339331347531778

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Cash Flow From Operating Activity 6-3-19-13-10953322-158-167
Cash Flow From Investing Activity 47124-1-100-3-2
Cash Flow From Financing Activity -9-36181023-27-17157196
Net Cash Flow 10-19-8755-527
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Operational & Financial Ratios

EPS (₹)15172835314137451723
DPS (₹)0001222333
BVPS (₹)165182210244307347380422158178

Performance Ratios

ROA (%)8.79.213.012.78.38.06.78.17.67.0
ROE (%)9.99.814.215.512.212.710.111.211.613.4
ROCE (%)13.515.920.421.415.015.412.813.912.813.7

Valuation Parameters

Price/Book(x)0.10.30.31.11.90.90.40.61.11.1

CSL Finance Ltd Stock News

CSL Finance Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of CSL Finance on 28-Mar-2024 16:01 is ₹479.8.
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 28-Mar-2024 16:01 the market cap of CSL Finance stood at ₹1,083.8.
The latest P/E ratio of CSL Finance as of 28-Mar-2024 16:01 is 19.12.
The latest P/B ratio of CSL Finance as of 28-Mar-2024 16:01 is 2.37.
The 52-week high of CSL Finance is ₹517.1 and the 52-week low is ₹191.0.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of CSL Finance is ₹150.0 ( Cr.) .

About CSL Finance Ltd

Consolidated Securities was incorporated as a limited company on December 1992. The company started its functions purely as a finance company in Delhi after obtaining the certificate of commencement of business on February 2, 1993. The company got its SEBI registration certificate valid from June 1, 1994 and started as a category III merchant banker.

The company is professionally managed and has achieved its objectives systematically. It concentrates mainly on fulfillment of the needs of business houses by providing them with an expertise in fund raising.

The registered office of the company is located at 8/19 3rd Floor, W E A Pusa Lanew E A Pusa Lane ,Karol Bagh New Delhi,Delhi-110005.

Business area of the company

The company’s activities mainly includes corporate advisory services including project counseling, loan syndication etc.

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