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CSL Finance's Operating Income for the
three
months ended in Mar. 2026 was ₹327 Mil.
Its Operating Income for the trailing twelve months (TTM) ended in Mar. 2026 was ₹1,182 Mil.
Operating Margin % is calculated as Operating Income divided by its Revenue. CSL Finance's Operating Income for the
three
months ended in Mar. 2026 was ₹327 Mil. CSL Finance's Revenue for the
three
months ended in Mar. 2026 was ₹683 Mil. Therefore, CSL Finance's Operating Margin % for the quarter that ended in Mar. 2026 was 47.95%.
Warning Sign:
CSL Finance Ltd operating margin has been in a 5-year decline. The average rate of decline per year is -8%.
Operating Income or EBIT is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.
CSL Finance's annualizedROC % for the quarter that ended in Mar. 2026 was 6.05%.
CSL Finance's annualizedROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 1,466.71%.
* 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.
4. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Operating Income growth rate using Operating Income per share data.
Be Aware
Compared with a company's EBITDA margin, Operating Margin can be manipulated by adjusting the rate of depreciation, depletion and amortization (DDA).
If a company is facing competition, its Operating Margin may decline. Often the Operating Margin declines well before the company's revenue or even profit decline. Therefore, Operating Margin is a very important indicator of whether the company is facing problems.
For instance, by 2012, Nokia (NOK)'s problems were well known and its stock had lost more than 90% of its market value since 2007. But Nokia's Operating Margin had already been in decline since 2002, although its earnings per share were still rising. Investors who paid attention to Operating Margin would have avoided this huge loss. The same can be said for Research-in-Motion (RIMM).
Therefore, Operating Margin is a very important screening filter for GuruFocus. GuruFocus's Buffett-Munger screener requires that the profit margin is either consistent or expanding. The Model Portfolio of the Buffett-Munger screener has outperformed the market every year since inception in 2009.
CSL Finance Operating Income Related Terms
CSL Finance Operating Income Historical Data
* Premium members only.
The historical data trend for CSL Finance's Operating Income 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.
Operating Income, is the profit a company earned through operations. All expenses, including cash expenses such as cost of goods sold (COGS), research & development, wages, and non-cash expenses, such as depreciation, depletion and amortization, have been deducted from the sales.
Operating Income 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.
CSL Finance (NSE:CSLFINANCE) has a Operating Income of ₹1,182 Mil as of Mar. 2026. Operating Income equals sales less all operating expenses. It is linked to EBIT. View historical data on CSL Finance and its competitors.
Is CSL Finance's Operating Income too high?
CSL Finance's current Operating Income is ₹1,182 Mil. 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 Operating Income compare to V and MA?
CSL Finance's Operating Income 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 Operating Income for a Credit Services company?
A good Operating Income depends on the Credit Services industry context. However, Operating Income 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 Operating Income mean?
A high Operating Income can signal that a stock is expensive relative to its fundamentals. Operating Income equals sales less all operating expenses. It is linked to EBIT. View historical data on CSL Finance and its competitors. CSL Finance's current Operating Income 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 ₹449.05, compared to a current price of ₹219.78 — trading 51.1% below its estimated fair value. The current Operating Income is ₹1,182 Mil. 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 Operating Income calculated?
Operating Income is calculated from a company's financial statements. For CSL Finance (NSE:CSLFINANCE), the current Operating Income 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 ₹219.78 is trading 51.1% below its estimated GF Value™ of ₹449.05.
GuruFocus considers CSL Finance to be Possible Value Trap.
Key valuation signals for NSE:CSLFINANCE:
Operating Income: ₹1,182 Mil
GF Value™: ₹449.05 vs. price of ₹219.78 (51.1% 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.
75GF Score
Get the complete analysis for NSE:CSLFINANCE
Operating Income is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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