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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
CSL Finance Limited is an India-based non-banking financial company (NBFC). It fulfills the financing needs of small and medium-sized enterprises (SMEs) and real estate and non-real estate corporates. The Company operates through two primary business verticals: SME Retail…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
An exceptional, fast-growing business, trading cheap versus its own history.
CSL Finance is scored on the nbfc / financials framework. It keeps a fat 33.6% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 30%/yr and profit at 24%/yr. Book value itself has compounded 20%/yr — the hallmark of a genuine compounder. Return on equity is a healthy 13.5%. In the latest quarter profit grew 14% versus the prior quarter.
At 6× earnings, the stock sits at the 10th percentile of its own 3.6-year range — the cheap end of where it has historically traded. Today's price asks for only ~-9%/yr growth over a decade — undemanding expectations. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 5.86 | 10.88 | better |
| P/B | 0.79 | 1.4 | better |
| EV/EBITDA | 6.64 | 14.13 | better |
| ROE | 13.54 | — | — |
| ROCE | 13.18 | — | — |
| ROA | 5.36 | — | — |
| Quick Ratio | 3.94 | — | — |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| Bajaj Finance | 30.6 | 5.5 | 17.6% |
| Bajaj Finserv | 13.6 | 3.5 | 12.7% |
| Shriram Finance | 17.8 | 2.0 | 11.4% |
Not applicable for this sector.
Revenue has grown every year across all 4 financial years shown. 30% CAGR over 3 years — high-growth territory. Growth is decelerating — latest year grew slower than the year before.
Net profit has risen every year — the hallmark of a compounder. Revenue is outpacing profit (30% vs 24%) — costs are rising faster than the top line.
Operating margin has compressed from 52% to 44% — costs or competition are eating into profitability. Interest or tax burden is shrinking — more of the operating profit is reaching the bottom line. Margins have declined for 3 consecutive years — watch for a structural cost problem.
ROE at 14% — a respectable return on shareholder capital. Low variance across years — a predictable business that earns steadily on its equity base.
EPS has grown every year — each share earns more than the last, consistently. Profit grew faster than EPS (24% vs 20%) — share dilution is eroding per-share value. 20% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
4 of 4 years had negative operating cash flow — profitability on paper may not translate to cash. Investing outflows exceed operating cash — the company relies on external funding to finance expansion.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue broadly flat QoQ — stable but not accelerating. Low quarterly variance (9% spread) — a predictable, non-seasonal revenue stream. Run-rate stepping up — recent quarters average 9% above earlier ones.
Profit jumped 14% QoQ — check if this is operating leverage or a one-off item. Quarterly margins are compressing (38% → 32%) — more revenue isn't translating to proportionally more profit.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoters at 49.2% — dispersed ownership; institutional flows drive the stock. Promoters added 1.6pp over 4 quarters — creeping acquisition signals conviction.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.