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Earnings Call

CSL Finance Earnings Call: Key Takeaways

CSL Finance delivered strong FY26 performance with AUM growing 21% to ₹1,448 Cr and PAT rising 19% to ₹86 Cr, driven by a robust Wholesale segment despite a challenging SME Retail environment.

Why this was an Alfa AlertNot a filter event. Financial results for FY26 met growth trends but did not exceed prior management guidance by >10%.
Highlights
Revenue growth19% YoY to ₹257 Cr in FY26.
MarginsNII grew 15% to ₹168 Cr; NIM remained resilient.
Order bookAUM at ₹1,448 Cr; Disbursements at ₹1,255 Cr.
Demand visibilityWholesale segment remains robust; SME Retail slowing in H2.
Management confidenceCautiously optimistic on SME; robust outlook for Wholesale.

Growth

Revenue grew 19% to ₹257 Cr; PAT rose 19% to ₹86 Cr. Loan book up 21% YoY to ₹1,395 Cr.

Outlook

Wholesale expected to drive growth in FY27. SME Retail projected to return to normalcy. Onboarded Bank of Baroda.

Risks

SME Retail slowed due to over-leveraged borrowers and competitive intensity. GNPA increased to 1.10% from 0.46% YoY.

Source

Earnings Call filed with NSE, NSE: CSLFINANCE. Summary written with AI assistance from the document.

Read the document ↗

CSL Finance Ltd: key numbers

Share price
₹215.19
Market cap
₹490.3 Cr
Revenue (annual)
₹256.1 Cr
Net profit (annual)
₹86.11 Cr
P/E (TTM)
5.6×Sector 22.0×
Promoter holding
48.17%+0.51% QoQ
FII holding
0.10%Current quarter

Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.

More from CSL Finance Ltd

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15:44 IST BSE
Management Change

CSL Finance Management Change

CSL Finance's AGM approved re-appointment of Mr. Rohit Gupta as MD for five years from August 2027. Filed under SEBI LODR Reg 30/51.

15:38 IST BSE
Other Announcement

CSL Finance Other Announcement

CSL Finance shareholders approved an AOA amendment at its 34th AGM adding a debenture-trustee nominee-director clause. The change is a standard SEBI-compliant governance provision with no financial impact.

12:18 IST BSE
Debt & Borrowing

CSL Finance Debt & Borrowing

CSL Finance fixed record dates for quarterly coupon payments on two listed NCD tranches. No new borrowing or principal repayment is indicated.

14:18 IST BSE
Annual General Meeting

CSL Finance Annual General Meeting

CSL Finance Limited conducted its 34th Annual General Meeting on September 19, 2026, via video conferencing. The meeting covered financial statements, dividend declaration, and director re-appointments.

10:43 IST BSE
Promoter Buying

CSL Finance Promoter Buying: ₹0.35 Cr

Promoter Rohit Gupta HUF acquired 16,000 shares of CSL Finance through five open-market purchase transactions totaling ₹0.35 Crore.

Value
₹0.35 Cr
10:40 IST BSE
Promoter Buying

CSL Finance Promoter Buying

CSL Finance promoter Rohit Gupta HUF bought 5,000 equity shares on the open market. Holding rose from 1.95% to 1.97%.

Promoter stake change
+0.02%