CSL FinanceNSE:CSLFINANCE -0.80%79 Current Ratio is 575.92 as of Mar. 2026, which is 30534% above its 10-year median of 1.88. GuruFocus rates NSE:CSLFINANCE with a GF Score™ of 79/100 and a GF Value™ of ₹441.69 (Possible Value Trap). The stock has 7 warning signs investors should review. Among 394 Credit Services companies, CSL Finance ranks better than 93.4% on this metric.
The current ratio is a liquidity ratio that measures a company's ability to pay short-term obligations. It is calculated as a company's Total Current Assets divides by its Total Current Liabilities. CSL Finance's current ratio for the quarter that ended in Mar. 2026 was 575.92.
CSL Finance has a current ratio of 575.92. It indicates the company may not be efficiently using its current assets or its short-term financing facilities. This may also indicate problems in working capital management.
The historical rank and industry rank for CSL Finance's Current Ratio or its related term are showing as below:
NSE:CSLFINANCE'
s Current Ratio Range Over the Past 10 Years
Min: 1.05 Med: 1.88 Max: 575.92
Current: 575.92
During the past 13 years, CSL Finance's highest Current Ratio was 575.92. The lowest was 1.05. And the median was 1.88.
NSE:CSLFINANCE's Current Ratio is ranked better than 93.4% of 394
companies
in the Credit Services industry
Industry Median: 4.985
vs NSE:CSLFINANCE: 575.92
CSL Finance (NSE:CSLFINANCE) Current Ratio Explanation
The current ratio can give a sense of the efficiency of a company's operating cycle or its ability to turn its product into cash. Companies that have trouble getting paid on their receivables or have long inventory turnover can run into liquidity problems because they are unable to alleviate their obligations. Because business operations differ in each industry, it is always more useful to compare companies within the same industry.
Acceptable current ratios vary from industry to industry and are generally between 1 and 3 for healthy businesses.
The higher the current ratio, the more capable the company is of paying its obligations. A ratio under 1 suggests that the company would be unable to pay off its obligations if they came due at that point. While this shows the company is not in good financial health, it does not necessarily mean that it will go bankrupt - as there are many ways to access financing - but it is definitely not a good sign.
If all other things were equal, a creditor, who is expecting to be paid in the next 12 months, would consider a high current ratio to be better than a low current ratio, because a high current ratio means that the company is more likely to meet its liabilities which fall due in the next 12 months.
CSL Finance Current Ratio Related Terms
CSL Finance Current Ratio Historical Data
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The historical data trend for CSL Finance's Current Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
NSE:CSLFINANCE vs V, MA, AXP: Current Ratio Comparison
For the Credit Services subindustry, CSL Finance's Current Ratio, along with its competitors' market caps and Current Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
CSL Finance Current Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, CSL Finance's Current Ratio distribution charts can be found below:
* The bar in red indicates where CSL Finance's Current Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
CSL Finance (NSE:CSLFINANCE) has a Current Ratio of 575.92 as of Mar. 2026. This is 30534% above median its historical median of 1.88. Over the past decade, CSL Finance's Current Ratio has ranged from 1.05 to 575.92. According to the industry distribution chart, CSL Finance ranks #26 out of 394 companies in the Credit Services industry, placing it in the top 6.6%.
Is CSL Finance's Current Ratio too high?
CSL Finance's current Current Ratio of 575.92 is 30534% above median its 10-year median of 1.88. Over the past 10 years, this metric has ranged from a low of 1.05 to a high of 575.92. The Credit Services industry median Current Ratio is 4.99. CSL Finance's value of 575.92 is 11453.1% above this industry median. Based on the distribution chart, CSL Finance ranks #26 out of 394 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, CSL Finance has a GF Score™ of 79/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does CSL Finance's Current Ratio compare to V and MA?
According to the Credit Services industry distribution chart, CSL Finance ranks #26 out of 394 companies for Current Ratio. This places CSL Finance in the top 7% of its industry — outperforming the majority of peers. The industry median Current Ratio is 4.99. CSL Finance's value of 575.92 is 11453.1% above this benchmark. Historically, CSL Finance's own Current Ratio has ranged from 1.05 to 575.92 over the past decade. While the company's 10-year median is 1.88 vs. the industry median of 4.99, CSL Finance has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Current Ratio for a Credit Services company?
The median Current Ratio among Credit Services companies is 4.99, based on 394 companies in the industry. Companies in the top quartile (top 25%) have a Current Ratio significantly above this median, while those in the bottom quartile fall well below. However, Current Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CSL Finance's current Current Ratio of 575.92 is 11453.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Current Ratio mean?
A high Current Ratio can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median Current Ratio is 4.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CSL Finance's current Current Ratio is 575.92, which is 30534% above median its own 10-year median of 1.88. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CSL Finance stock overvalued right now?
Based on GuruFocus' analysis, CSL Finance (NSE:CSLFINANCE) is currently considered Possible Value Trap. The stock's GF Value™ is ₹441.69, compared to a current price of ₹227.05 — trading 48.6% below its estimated fair value. The current Current Ratio is 575.92, which is 30534% above median its 10-year median of 1.88 and 11453.1% above the Credit Services industry median of 4.99. CSL Finance's overall GF Score™ is 79/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Current Ratio calculated?
Current Ratio is calculated from a company's financial statements. For CSL Finance (NSE:CSLFINANCE), the current Current Ratio is 575.92 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is CSL Finance (NSE:CSLFINANCE) Overvalued in 2026?
Based on GuruFocus' analysis, CSL Finance stock appears to be undervalued.
The current stock price of ₹227.05 is trading 48.6% below its estimated GF Value™ of ₹441.69.
GuruFocus considers CSL Finance to be Possible Value Trap.
Key valuation signals for NSE:CSLFINANCE:
Current Ratio: 575.92 (30534% above median its 10-year median of 1.88)
GF Value™: ₹441.69 vs. price of ₹227.05 (48.6% below fair value)
Industry Position: 11453.1% above the Credit Services median (#26 of 394)
No single metric tells the full story. See the NSE:CSLFINANCE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CSL Finance Ltd operates as a non-banking financial institution. The business activity of the company is to offer secured and unsecured lending to small and medium-size business units to fulfil their financial needs. The company's business is classified into two broader segments of SME business and Wholesale business. SME business is mainly focused on micro and small business loans to various business entities, which is secured mostly against self-occupied Residential or Commercial properties. Wholesale business is focused on big ticket size loans for the working capital requirement of businesses. The primary revenue source of the company is interest income. The company operates within India.
79GF Score
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