CSL Finance Limited Fundamental Analysis
CSL Finance Limited Fundamental Analysis
CSL Finance Limited (CSLFINANCE.NS) shows moderate financial fundamentals with a PE ratio of 5.96, profit margin of 34.13%, and ROE of 15.07%. The company generates $2.5B in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 5.7/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze CSLFINANCE.NS's fundamental strength across five key dimensions:
Efficiency Score
WeakCSLFINANCE.NS struggles to generate sufficient returns from assets.
Valuation Score
ExcellentCSLFINANCE.NS trades at attractive valuation levels.
Growth Score
ModerateCSLFINANCE.NS shows steady but slowing expansion.
Financial Health Score
WeakCSLFINANCE.NS carries high financial risk with limited liquidity.
Profitability Score
ModerateCSLFINANCE.NS maintains healthy but balanced margins.
Key Financial Metrics
Is CSLFINANCE.NS Expensive or Cheap?
P/E Ratio
CSLFINANCE.NS trades at 5.96 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, CSLFINANCE.NS's PEG of 0.30 indicates potential undervaluation.
Price to Book
The market values CSL Finance Limited at 0.83 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -2.16 times EBITDA. This is generally considered low.
How Well Does CSLFINANCE.NS Make Money?
Net Profit Margin
For every $100 in sales, CSL Finance Limited keeps $34.13 as profit after all expenses.
Operating Margin
Core operations generate 47.39 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $15.07 in profit for every $100 of shareholder equity.
ROA
CSL Finance Limited generates $5.79 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
CSL Finance Limited generates limited operating cash flow of $-470.68M, signaling weaker underlying cash strength.
Free Cash Flow
CSL Finance Limited generates weak or negative free cash flow of $-482.63M, restricting financial flexibility.
FCF Per Share
Each share generates $-21.18 in free cash annually.
FCF Yield
CSLFINANCE.NS converts -9.41% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
5.96
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.30
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.83
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.03
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.38
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.15
vs 25 benchmark
ROA
Return on assets percentage
0.06
vs 25 benchmark
ROCE
Return on capital employed
0.08
vs 25 benchmark
How CSLFINANCE.NS Stacks Against Its Sector Peers
| Metric | CSLFINANCE.NS Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 5.96 | 21.18 | Better (Cheaper) |
| ROE | 15.07% | 613.00% | Weak |
| Net Margin | 34.13% | -16891.00% (disorted) | Strong |
| Debt/Equity | 1.38 | 0.90 | Weak (High Leverage) |
| Current Ratio | 0.00 | 937.29 | Weak Liquidity |
| ROA | 5.79% | -847.00% (disorted) | Weak |
CSLFINANCE.NS outperforms its industry in 2 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews CSL Finance Limited's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical