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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
CSL FinanceNSE:CSLFINANCE +2.17%76 Interest Coverage is No Debt (1) as of Jun. 2026, which is 100% below its 10-year median of 354.26. GuruFocus rates NSE:CSLFINANCE with a GF Score™ of 76/100 and a GF Value™ of ₹420.27 (Possible Value Trap). The stock has 7 warning signs investors should review. Among 164 Credit Services companies, CSL Finance ranks worse than 609755.49% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. CSL Finance's
Operating Income
for the
three
months ended in Jun. 2026 was ₹309 Mil. CSL Finance's Interest Expense for the
three
months ended in Jun. 2026 was ₹0 Mil.
CSL Finance has no debt.
The higher the ratio, the stronger the company's financial strength is.
(1) Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
The historical rank and industry rank for CSL Finance's Interest Coverage or its related term are showing as below:
NSE:CSLFINANCE's Interest Coverage is not ranked *
in the Credit Services industry.
Industry Median: 55.32 * Ranked among companies with meaningful Interest Coverage only.
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
CSL Finance Interest Coverage Related Terms
CSL Finance Interest Coverage Historical Data
* Premium members only.
The historical data trend for CSL Finance's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
NSE:CSLFINANCE vs V, MA, AXP: Interest Coverage Comparison
For the Credit Services subindustry, CSL Finance's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Credit Services Industry
For the Credit Services industry and Financial Services sector, CSL Finance's Interest Coverage distribution charts can be found below:
* The bar in red indicates where CSL Finance's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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.
What does a Interest Coverage of No Debt <sup>(1)</sup> mean?
CSL Finance (NSE:CSLFINANCE) has a Interest Coverage of No Debt (1) as of Jun. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on CSL Finance and its competitors. This is 100% below median its historical median of 354.26. Over the past decade, CSL Finance's Interest Coverage has ranged from 173.46 to 5,473.40. According to the industry distribution chart, CSL Finance ranks #999999 out of 164 companies in the Credit Services industry.
Is CSL Finance's Interest Coverage too high?
CSL Finance's current Interest Coverage of No Debt (1) is 100% below median its 10-year median of 354.26. Over the past 10 years, this metric has ranged from a low of 173.46 to a high of 5,473.40. Based on the distribution chart, CSL Finance ranks #999999 out of 164 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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 Interest Coverage compare to V and MA?
According to the Credit Services industry distribution chart, CSL Finance ranks #999999 out of 164 companies for Interest Coverage. This places CSL Finance in the lower half of its industry. The industry median Interest Coverage is 55.32. Historically, CSL Finance's own Interest Coverage has ranged from 173.46 to 5,473.40 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Interest Coverage for a Credit Services company?
The median Interest Coverage among Credit Services companies is 55.32, based on 164 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on CSL Finance and its competitors. For the Credit Services industry, the median Interest Coverage is 55.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CSL Finance's current Interest Coverage is No Debt (1), which is 100% below median its own 10-year median of 354.26. 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 ₹420.27, compared to a current price of ₹230.17 — trading 45.2% below its estimated fair value. The current Interest Coverage is No Debt (1), which is 100% below median its 10-year median of 354.26. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For CSL Finance (NSE:CSLFINANCE), the current Interest Coverage is No Debt (1) as of Jun. 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 45.2% below its estimated GF Value™ of ₹420.27.
GuruFocus considers CSL Finance to be Possible Value Trap.
Key valuation signals for NSE:CSLFINANCE:
Interest Coverage: No Debt (1) (100% below median its 10-year median of 354.26)
GF Value™: ₹420.27 vs. price of ₹230.17 (45.2% below fair value)
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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