| Revenue growth | Revenue ₹77.35 Cr vs ₹63.83 Cr: ~21% YoY |
|---|---|
| Margins | Yields steady QoQ: Wholesale 16.8%, SME Retail 18.1% |
| Demand visibility | Wholesale robust; SME Retail disbursements measured, gradual recovery |
| Management confidence | Wholesale expected key FY27 driver; no numeric guidance |
Growth
Revenue ₹77.35 Cr (+21% YoY, +10% QoQ); NII ₹49.6 Cr (+21% YoY); PAT ₹25.0 Cr, only +2% YoY.
Outlook
No numeric guidance. Wholesale expected to be key FY27 growth driver; SME Retail to return to growth gradually.
Risks
SME Retail subdued; Gross NPA 1.13% (+62 bps YoY); Stage 3 ECL coverage fell to 110% from 229%.
Last quarter's promises, checked
Delivered
- Collection efficiency 98% → 99% (= BEAT)
- Wholesale 'key growth driver' → wholesale AUM mix 69% → 73% (= BEAT)
- Leverage 1.39x with 'headroom to increase' → D/E 1.50x (= BEAT)
Partly delivered
- FY27 AUM growth 15%-25% → AUM +16% YoY, low end of band, half-year only (= PARTIAL)
Missed
- SME retail 'return to normalcy' → SME mix 31% → 27% of AUM (= MISS)
- Gross NPA 'should not increase' → 1.1% → 1.13% (= MISS)
Investor Presentation filed with BSE, NSE: CSLFINANCE. Summary written with AI assistance from the document.
CSL Finance Ltd: key numbers
- Share price
- ₹217.02
- Market cap
- ₹494.4 Cr
- Revenue (annual)
- ₹256.1 Cr
- Net profit (annual)
- ₹86.11 Cr
- P/E (TTM)
- 5.7×Sector 19.8×
- Promoter holding
- 49.17%+1.00% QoQ
- FII holding
- 0.09%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from CSL Finance Ltd
All →CSL Finance Q2 FY27 Results: Net Profit ₹25 Cr, Up 2.0% YoY
CSL Finance Ltd reported revenue from operations of ₹76.8 Cr (+20.6% YoY) and net profit of ₹25 Cr (+2.0% YoY) for Q2 FY27.
- Key figure
- Net profit ₹25 Cr · +2.0% YoY
CSL Finance Management Change
CSL Finance appointed Akshay Gujar as Chief Executive Officer of its SME division as senior management personnel. The filing carries no monetary value.
CSL Finance Board Meeting Date
CSL Finance scheduled a board meeting on November 2, 2026 to approve unaudited results. The trading window stays closed until November 4, 2026.
CSL Finance Debt & Borrowing: ₹0.83 Cr
CSL Finance Ltd has successfully paid Rs.0.83 Crore in quarterly interest on its senior rated secured NCDs, as confirmed in the regulatory filing.
- Value
- ₹0.83 Cr
CSL Finance Other Announcement
CSL Finance Ltd has filed its quarterly shareholding pattern for the period ended September 30, 2026, as required by SEBI regulations.
CSL Finance Promoter Buying (Off-Market)
CSL Capital Private Limited acquired 2,65,686 equity shares of CSL Finance Limited from Rohit Gupta HUF. This off-market inter-se promoter transfer represents a 1.17% stake change.
- Promoter stake change
- +1.16%