CSL Finance (NSE:CSLFINANCE) EBIT: ₹1,182 Mil (TTM As of Mar. 2026)


NSE:CSLFINANCE CSL Finance Ltd NSE:CSLFINANCE
76 GF Score
Price ₹225.97
GF Value ₹440.07
Valuation Possible Value Trap
! 7 Warning Signs
View Full Analysis

What is CSL Finance EBIT?

CSL Finance NSE:CSLFINANCE -0.97% 76 EBIT is ₹1,182 Mil as of Mar. 2026. GuruFocus rates NSE:CSLFINANCE with a GF Score™ of 76/100 and a GF Value™ of ₹440.07 (Possible Value Trap). The stock has 7 warning signs investors should review.

CSL Finance's earnings before interest and taxes (EBIT) for the three months ended in Mar. 2026 was ₹327 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Mar. 2026 was ₹1,182 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. CSL Finance's annualized ROC % for the quarter that ended in Mar. 2026 was 6.05%. CSL Finance's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 1,466.71%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. CSL Finance's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 9.31%.


CSL Finance  (NSE:CSLFINANCE) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

CSL Finance's annualized ROC % for the quarter that ended in Mar. 2026 is calculated as:

ROC % (Q: Mar. 2026 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Dec. 2025 ) + Invested Capital (Q: Mar. 2026 ))/ count )
=1309.388 * ( 1 - 35.67% )/( (0 + 13923.567)/ 1 )
=842.3293004/13923.567
=6.05 %

where

Invested Capital(Q: Mar. 2026 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=14876.008 - 25.555 - ( 926.886 - max(0, 25.555 - 14717.69+926.886))
=13923.567

Note: The Operating Income data used here is four times the quarterly (Mar. 2026) data.

2. Joel Greenblatt's definition of Return on Capital:

CSL Finance's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 is calculated as:

ROC (Joel Greenblatt) %(Q: Mar. 2026 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Dec. 2025  Q: Mar. 2026
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=1309.388/( ( (0 + max(0, 0)) + (72.772 + max(16.502000000001, 0)) )/ 1 )
=1309.388/( ( 0 + 89.274000000001 )/ 1 )
=1309.388/89.274000000001
=1,466.71 %

where Working Capital is:

Working Capital(Q: Dec. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0 + 0 + 0) - (0 + 0 + 0)
=0

Working Capital(Q: Mar. 2026 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0 + 0 + 42.057000000001) - (25.555 + 0 + 0)
=16.502000000001

When net working capital is negative, 0 is used.

Note: The EBIT data used here is four times the quarterly (Mar. 2026) EBIT data.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

CSL Finance's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Mar. 2026 )
=1182.425/12695.411
=9.31 %

* 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 EBIT Related Terms


CSL Finance EBIT Historical Data

* Premium members only.

The historical data trend for CSL Finance's EBIT 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.

CSL Finance EBIT Chart

CSL Finance Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
EBIT
Get a 7-Day Free Trial Premium Member Only Premium Member Only 449.25 617.08 857.82 1,036.95 1,182.32

CSL Finance Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EBIT Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 248.06 289.14 285.54 280.40 327.35

NSE:CSLFINANCE vs V, MA, AXP: EBIT Comparison

For the Credit Services subindustry, CSL Finance's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Credit Services Industry

For the Credit Services industry and Financial Services sector, CSL Finance's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where CSL Finance's EV-to-EBIT falls into.


NSE:CSLFINANCE
76GF Score
CSL Finance Ltd NSE:CSLFINANCE
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

CSL Finance EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹1,182 Mil.

* 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.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of ₹1,182 Mil mean?
CSL Finance (NSE:CSLFINANCE) has a EBIT of ₹1,182 Mil as of Mar. 2026. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on CSL Finance.
Is CSL Finance's EBIT too high?
CSL Finance's current EBIT is ₹1,182 Mil. 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 EBIT compare to V and MA?
CSL Finance's EBIT of ₹1,182 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBIT for a Credit Services company?
A good EBIT depends on the Credit Services industry context. However, EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on CSL Finance. CSL Finance's current EBIT is ₹1,182 Mil. 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 ₹440.07, compared to a current price of ₹225.97 — trading 48.7% below its estimated fair value. The current EBIT is ₹1,182 Mil. 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 EBIT calculated?
EBIT is calculated from a company's financial statements. For CSL Finance (NSE:CSLFINANCE), the current EBIT is ₹1,182 Mil 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 ₹225.97 is trading 48.7% below its estimated GF Value™ of ₹440.07. GuruFocus considers CSL Finance to be Possible Value Trap.

Key valuation signals for NSE:CSLFINANCE:

  • EBIT: ₹1,182 Mil
  • GF Value™: ₹440.07 vs. price of ₹225.97 (48.7% below fair value)
  • GF Score™: 76/100 with 7 warning signs

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 Business Description

Other Exchanges 530067:India
Address World Trade Tower, 716-717, 7th Floor, Tower B, Sector 16, Noida, UP, IND, 201301
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

Get the complete analysis for NSE:CSLFINANCE

EBIT is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹225.97
Price
₹440.07
GF Value