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CSL FinanceNSE:CSLFINANCE +2.17%75 EV-to-EBITDA is 10.41 as of Aug. 24, 2026, which is 22% above its 10-year median of 8.52. GuruFocus rates NSE:CSLFINANCE with a GF Score™ of 75/100 and a GF Value™ of ₹420.49 (Possible Value Trap). The stock has 7 warning signs investors should review. Among 328 Credit Services companies, CSL Finance ranks better than 72.87% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, CSL Finance's enterprise value is ₹12,746 Mil.
CSL Finance's EBITDA for the trailing twelve months (TTM) ended in Jun. 2026 was ₹1,224 Mil. Therefore, CSL Finance's EV-to-EBITDA for today is 10.41.
The historical rank and industry rank for CSL Finance's EV-to-EBITDA or its related term are showing as below:
NSE:CSLFINANCE'
s EV-to-EBITDA Range Over the Past 10 Years
Min: 2.69 Med: 8.52 Max: 21
Current: 10.41
During the past 13 years, the highest EV-to-EBITDA of CSL Finance was 21.00. The lowest was 2.69. And the median was 8.52.
NSE:CSLFINANCE's EV-to-EBITDA is ranked better than 72.87% of 328
companies
in the Credit Services industry
Industry Median: 21.005
vs NSE:CSLFINANCE: 10.41
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
CSL Finance's PE Ratio (TTM) for today is calculated as:
CSL Finance's share price for today is ₹230.17.
CSL Finance's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹37.930.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
The historical data trend for CSL Finance's EV-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: EV-to-EBITDA Comparison
For the Credit Services subindustry, CSL Finance's EV-to-EBITDA, along with its competitors' market caps and EV-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 EV-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, CSL Finance's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where CSL Finance's EV-to-EBITDA falls into.
CSL Finance's current Enterprise Value is ₹12,746 Mil.
CSL Finance's EBITDA for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹1,224 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.
CSL Finance (NSE:CSLFINANCE) has a EV-to-EBITDA of 10.41 as of Aug. 24, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on CSL Finance. This is 22% above median its historical median of 8.52. Over the past decade, CSL Finance's EV-to-EBITDA has ranged from 2.69 to 21.00. According to the industry distribution chart, CSL Finance ranks #89 out of 328 companies in the Credit Services industry, placing it in the top 27.1%.
Is CSL Finance's EV-to-EBITDA too high?
CSL Finance's current EV-to-EBITDA of 10.41 is 22% above median its 10-year median of 8.52. Over the past 10 years, this metric has ranged from a low of 2.69 to a high of 21.00. The Credit Services industry median EV-to-EBITDA is 21.01. CSL Finance's value of 10.41 is 50.4% below this industry median. Based on the distribution chart, CSL Finance ranks #89 out of 328 companies in the Credit Services industry, which is above the industry midpoint. Overall, CSL Finance has a GF Score™ of 75/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does CSL Finance's EV-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, CSL Finance ranks #89 out of 328 companies for EV-to-EBITDA. This puts CSL Finance in the upper half of its industry. The industry median EV-to-EBITDA is 21.01. CSL Finance's value of 10.41 is 50.4% below this benchmark. Historically, CSL Finance's own EV-to-EBITDA has ranged from 2.69 to 21.00 over the past decade. While the company's 10-year median is 8.52 vs. the industry median of 21.01, 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 EV-to-EBITDA for a Credit Services company?
The median EV-to-EBITDA among Credit Services companies is 21.01, based on 328 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CSL Finance's current EV-to-EBITDA of 10.41 is 50.4% 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 EV-to-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on CSL Finance. For the Credit Services industry, the median EV-to-EBITDA is 21.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CSL Finance's current EV-to-EBITDA is 10.41, which is 22% above median its own 10-year median of 8.52. 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 ₹420.49, compared to a current price of ₹230.17 — trading 45.3% below its estimated fair value. The current EV-to-EBITDA is 10.41, which is 22% above median its 10-year median of 8.52 and 50.4% below the Credit Services industry median of 21.01. CSL Finance's overall GF Score™ is 75/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For CSL Finance (NSE:CSLFINANCE), the current EV-to-EBITDA is 10.41 as of Aug. 24, 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 ₹230.17 is trading 45.3% below its estimated GF Value™ of ₹420.49.
GuruFocus considers CSL Finance to be Possible Value Trap.
Key valuation signals for NSE:CSLFINANCE:
EV-to-EBITDA: 10.41 (22% above median its 10-year median of 8.52)
GF Value™: ₹420.49 vs. price of ₹230.17 (45.3% below fair value)
Industry Position: 50.4% below the Credit Services median (#89 of 328)
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.
75GF Score
Get the complete analysis for NSE:CSLFINANCE
EV-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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