CSL FinanceNSE:CSLFINANCE -0.97%76 Net Margin % is 28.44% as of Mar. 2026, which is 29% below its 10-year median of 40.23. 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. Among 534 Credit Services companies, CSL Finance ranks better than 76.78% on this metric.
Net margin is calculated as Net Income divided by its Revenue. CSL Finance's Net Income for the
three
months ended in Mar. 2026 was ₹194 Mil. CSL Finance's Revenue for the
three
months ended in Mar. 2026 was ₹683 Mil. Therefore, CSL Finance's net margin for the quarter that ended in Mar. 2026 was 28.44%.
The historical rank and industry rank for CSL Finance's Net Margin % or its related term are showing as below:
NSE:CSLFINANCE'
s Net Margin % Range Over the Past 10 Years
Min: 34.18 Med: 40.23 Max: 46.34
Current: 34.22
NSE:CSLFINANCE's Net Margin % is ranked better than 76.78% of 534
companies
in the Credit Services industry
Industry Median: 14.52
vs NSE:CSLFINANCE: 34.22
CSL Finance (NSE:CSLFINANCE) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
CSL Finance Net Margin % Related Terms
CSL Finance Net Margin % Historical Data
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The historical data trend for CSL Finance's Net Margin % 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: Net Margin % Comparison
For the Credit Services subindustry, CSL Finance's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, CSL Finance's Net Margin % distribution charts can be found below:
* The bar in red indicates where CSL Finance's Net Margin % 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 Net Margin % of 28.44% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on CSL Finance and its competitors. This is 29% below median its historical median of 40.23. Over the past decade, CSL Finance's Net Margin % has ranged from 34.18 to 46.34. According to the industry distribution chart, CSL Finance ranks #124 out of 534 companies in the Credit Services industry, placing it in the top 23.2%.
Is CSL Finance's Net Margin % too high?
CSL Finance's current Net Margin % of 28.44% is 29% below median its 10-year median of 40.23. Over the past 10 years, this metric has ranged from a low of 34.18 to a high of 46.34. The Credit Services industry median Net Margin % is 14.52. CSL Finance's value of 28.44% is 95.9% above this industry median. Based on the distribution chart, CSL Finance ranks #124 out of 534 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 76/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does CSL Finance's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, CSL Finance ranks #124 out of 534 companies for Net Margin %. This places CSL Finance in the top 23% of its industry — outperforming the majority of peers. The industry median Net Margin % is 14.52. CSL Finance's value of 28.44% is 95.9% above this benchmark. Historically, CSL Finance's own Net Margin % has ranged from 34.18 to 46.34 over the past decade. While the company's 10-year median is 40.23 vs. the industry median of 14.52, 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 Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.52, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CSL Finance's current Net Margin % of 28.44% is 95.9% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on CSL Finance and its competitors. For the Credit Services industry, the median Net Margin % is 14.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CSL Finance's current Net Margin % is 28.44%, which is 29% below median its own 10-year median of 40.23. 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 Net Margin % is 28.44%, which is 29% below median its 10-year median of 40.23 and 95.9% above the Credit Services industry median of 14.52. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For CSL Finance (NSE:CSLFINANCE), the current Net Margin % is 28.44% 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:
Net Margin %: 28.44% (29% below median its 10-year median of 40.23)
GF Value™: ₹440.07 vs. price of ₹225.97 (48.7% below fair value)
Industry Position: 95.9% above the Credit Services median (#124 of 534)
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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