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Earnings Call

CSL Finance Earnings Call: Key Takeaways

CSL Finance Q4FY26 earnings call highlighting 21% YoY AUM growth to ₹1,448 cr and shift toward wholesale lending (69% of mix) amid SME retail headwinds.

Highlights
Revenue growthFY26 revenue up 19% YoY.
MarginsNII up 15% for full year; ROE improved to 14.81%.
Demand visibilityStrong demand in daily NCR wholesale market; SME environment remains challenging.
Management confidenceCautiously optimistic on SME; very bullish on niche wholesale segment.

Growth

FY26 Revenue up 19%, PAT up 19% to ₹86 cr. Q4 NII grew 21% YoY to ₹45.4 cr.

Outlook

Guided 15-25% AUM growth for FY27. Focus on off-book AUM and consolidating underperforming SME branches.

Risks

Underwhelming SME retail performance due to over-leveraged borrowers and competitive intensity. GNPA rose to 1.1% 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 Limited: 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.

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Annual General Meeting

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Promoter Buying

CSL Finance Promoter Buying: ₹0.35 Cr

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Value
₹0.35 Cr
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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%