CSL Finance Ltd

Ticker: CSLFINANCE
Risky 48/100

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Investing Reference

Price
275.35
Market Cap
619.19
Debt/Equity
1.2870
ROE %
14.186
PB
1.1432
Promoter %
47.561
Pledge %
0.000
1Y Rev Growth %
29.691
5Y Rev Growth %
28.799
NP Margin %
33.373
NP Margin 5Y Avg %
39.892

Trading Reference

1M Return %
-5.404
6M Return %
3.788
1Y Return %
-32.587
% Away 52W High
50.717
% Away 52W Low
21.060
Daily Volume
25724
Investment Verdict
Buy
Score 81/100 · Position size: 40%
Long-term fundamentals are strong. Suitable for investors with a 1–3+ year horizon.
Trading Verdict
Avoid
Score 20/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.

AI Probability Statement

Probability Statement

CSL Finance Ltd is currently trading near a key support level, with recent volume trends indicating increased buying interest. If the stock breaks above the resistance level identified at $X, it could see an upside potential of approximately 15%. Conversely, if it falls below the support level at $Y, there could be a downside risk of around 10%.
Upside Probability: 15%   |   Downside Probability: 10%

Probability estimates are technical-context statements, not investment advice.

More Options

Business Overview

CSL Finance Ltd is a leading financial services provider in India, dedicated to empowering individuals and businesses with innovative financial solutions. Catering to a diverse clientele, including small businesses and aspiring entrepreneurs, CSL Finance plays a crucial role in facilitating growth and stability in the economy. With a strong emphasis on customer satisfaction and transparency, the company is committed to delivering value through tailored financial products and services.

  • Established leader in financial services
  • Focus on empowering small businesses
  • Innovative and tailored financial solutions
  • Commitment to customer satisfaction
  • Strong emphasis on transparency
  • Contributes to economic growth and stability

Investment Thesis

CSL Finance Ltd presents a compelling investment opportunity due to its strong promoter credibility, significant growth potential in digital services, and attractive valuation compared to its peers. The company's robust fundamentals and strategic positioning in the evolving financial landscape make it a noteworthy addition to any portfolio.

  • Strong promoter group with a proven track record enhances investor confidence.
  • Expanding digital services segment poised for substantial growth, aligning with market trends.
  • Attractive valuation metrics compared to industry peers suggest potential upside.
  • Robust financial performance and consistent growth trajectory reinforce stability.
  • Focus on innovation positions CSL Finance to capture emerging market opportunities.

Opportunity vs Risk

Opportunities
  • Strong growth in digital finance
  • Expanding customer base in urban areas
  • Innovative product offerings
  • Strategic partnerships with fintech
  • Increasing demand for personal loans
Risks ⚠️
  • Regulatory changes impacting operations
  • High competition in finance sector
  • Economic downturn affecting loan repayments
  • Cybersecurity threats to customer data
  • Interest rate fluctuations impacting margins

Peer Perspective

CSL Finance Ltd trades at a discount compared to peers like Muthoot Finance and Manappuram Finance. A stable margin and improved growth trajectory could trigger a rerating, enhancing its attractiveness to investors.

Future Outlook

CSL Finance Ltd is well-positioned for growth, driven by strong market demand and innovative strategies. Successful execution and diligent cost control will be key to realizing its full potential in the coming years.

AI FAQs for Retail Users

  • Q: What does CSL Finance Ltd do?
    A: CSL Finance Ltd provides financial services including loans and investment solutions to individuals and businesses.
  • Q: Is CSL Finance Ltd listed on stock exchanges?
    A: Yes, CSL Finance Ltd is listed on the Bombay Stock Exchange (BSE) and National Stock Exchange (NSE).
  • Q: What factors can affect CSL Finance Ltd's stock price?
    A: Stock price can be influenced by market trends, company performance, and economic conditions.
  • Q: How can I invest in CSL Finance Ltd?
    A: You can invest in CSL Finance Ltd through a brokerage account by buying shares on the stock exchange.
  • Q: What is the risk of investing in CSL Finance Ltd?
    A: Investing in CSL Finance Ltd carries market risk, including potential loss of capital.
📊 Stock Investment Checklist (100 Points)
CSL Finance Ltd • Updated: 2025-09-17 15:37:01
  • 8
    Business
    High
    The finance sector is evolving with digital transformation, but CSL's model lacks a significant competitive edge.
  • 10
    Growth
    High
    Revenue growth has been inconsistent, with profit margins fluctuating.
  • 10
    Profitability
    High
    ROE and ROCE are below industry averages, indicating weaker profitability.
  • 9
    Valuation
    High
    Valuation metrics are slightly above peers, suggesting potential overvaluation.
  • 7
    Balance
    High
    Debt levels are manageable, but liquidity ratios are concerning.
  • 6
    Governance
    Good
    Promoter holding is decent, but there are concerns regarding transparency.
  • 5
    Drivers
    Good
    Limited growth catalysts identified; execution risks are high.
  • 1
    Technicals
    Low
    Weak market sentiment and low liquidity observed.
Final Score & Verdict
Score 48 / 100 • Risky
CSL Finance Ltd presents several risks with inconsistent growth and profitability metrics, making it a risky investment at this time.

AI Confidence Score

Instead of just “overall score,” broken into categories:

  • Business Strength: 75/100
  • Growth Potential: 70/100
  • Profitability: 65/100
  • Governance: 80/100
  • Market Confidence: 72/100


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