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CSL FinanceNSE:CSLFINANCE +0.61%76 Debt-to-EBITDA is 6.43 as of Mar. 2026, which is 53% above its 10-year median of 4.21. GuruFocus rates NSE:CSLFINANCE with a GF Score™ of 76/100 and a GF Value™ of ₹451.81 (Possible Value Trap). The stock has 7 warning signs investors should review. Among 287 Credit Services companies, CSL Finance ranks better than 55.4% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for CSL Finance's Debt-to-EBITDA or its related term are showing as below:
NSE:CSLFINANCE'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1.3 Med: 4.21 Max: 7.11
Current: 7.11
During the past 13 years, the highest Debt-to-EBITDA Ratio of CSL Finance was 7.11. The lowest was 1.30. And the median was 4.21.
NSE:CSLFINANCE's Debt-to-EBITDA is ranked better than 55.4% of 287
companies
in the Credit Services industry
Industry Median: 8.87
vs NSE:CSLFINANCE: 7.11
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
CSL Finance Debt-to-EBITDA Related Terms
CSL Finance Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for CSL Finance's Debt-to-EBITDA 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: Debt-to-EBITDA Comparison
For the Credit Services subindustry, CSL Finance's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, CSL Finance's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where CSL Finance's Debt-to-EBITDA 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Mar. 2026) EBITDA data.
CSL Finance (NSE:CSLFINANCE) has a Debt-to-EBITDA of 6.43 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on CSL Finance. This is 53% above median its historical median of 4.21. Over the past decade, CSL Finance's Debt-to-EBITDA has ranged from 1.30 to 7.11. According to the industry distribution chart, CSL Finance ranks #128 out of 287 companies in the Credit Services industry, placing it in the top 44.6%.
Is CSL Finance's Debt-to-EBITDA too high?
CSL Finance's current Debt-to-EBITDA of 6.43 is 53% above median its 10-year median of 4.21. Over the past 10 years, this metric has ranged from a low of 1.30 to a high of 7.11. The Credit Services industry median Debt-to-EBITDA is 8.87. CSL Finance's value of 6.43 is 27.5% below this industry median. Based on the distribution chart, CSL Finance ranks #128 out of 287 companies in the Credit Services industry, which is above the industry midpoint. Overall, CSL Finance has a GF Score™ of 76/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does CSL Finance's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, CSL Finance ranks #128 out of 287 companies for Debt-to-EBITDA. This puts CSL Finance in the upper half of its industry. The industry median Debt-to-EBITDA is 8.87. CSL Finance's value of 6.43 is 27.5% below this benchmark. Historically, CSL Finance's own Debt-to-EBITDA has ranged from 1.30 to 7.11 over the past decade. While the company's 10-year median is 4.21 vs. the industry median of 8.87, CSL Finance has consistently been below 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 Debt-to-EBITDA for a Credit Services company?
The median Debt-to-EBITDA among Credit Services companies is 8.87, based on 287 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CSL Finance's current Debt-to-EBITDA of 6.43 is 27.5% below 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 Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on CSL Finance. For the Credit Services industry, the median Debt-to-EBITDA is 8.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CSL Finance's current Debt-to-EBITDA is 6.43, which is 53% above median its own 10-year median of 4.21. 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 ₹451.81, compared to a current price of ₹219.00 — trading 51.5% below its estimated fair value. The current Debt-to-EBITDA is 6.43, which is 53% above median its 10-year median of 4.21 and 27.5% below the Credit Services industry median of 8.87. CSL Finance's overall GF Score™ is 76/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For CSL Finance (NSE:CSLFINANCE), the current Debt-to-EBITDA is 6.43 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 ₹219.00 is trading 51.5% below its estimated GF Value™ of ₹451.81.
GuruFocus considers CSL Finance to be Possible Value Trap.
Key valuation signals for NSE:CSLFINANCE:
Debt-to-EBITDA: 6.43 (53% above median its 10-year median of 4.21)
GF Value™: ₹451.81 vs. price of ₹219.00 (51.5% below fair value)
Industry Position: 27.5% below the Credit Services median (#128 of 287)
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.
76GF Score
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Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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