CSL Finance (NSE:CSLFINANCE) ROCE %: 8.82% (As of Mar. 2026)

What is CSL Finance ROCE %?

CSL Finance NSE:CSLFINANCE -0.97% 79 ROCE % is 8.82% as of Mar. 2026. GuruFocus rates NSE:CSLFINANCE with a GF Score™ of 79/100 and a GF Value™ of ₹441.78 (Possible Value Trap). The stock has 7 warning signs investors should review.

ROCE % measures how well a company generates profits from its capital. It is calculated as EBIT divided by Capital Employed, where Capital Employed is calculated as Total Assets minus Total Current Liabilities. CSL Finance's annualized ROCE % for the quarter that ended in Mar. 2026 was 8.82%.

CSL Finance (NSE:CSLFINANCE) ROCE % Explanation

ROCE % can be especially useful when comparing the performance of capital-intensive companies. Unlike ROE %, which indicates the profitability of Shareholders Equity, ROCE % also considers long-term debt in Capital Employed. This can be helpful when analyzing companies with significant debt, as the result is neutralized by taking debt into consideration.

Generally speaking, a higher ROCE % indicates a stonger profitability for a company. Moreover, it is important to look at the ratio from a long term perspective. Investors tend to favor companies with stable and rising ROCE % trend over those with volatile ones.

CSL Finance ROCE % Related Terms

CSL Finance ROCE % Historical Data

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The historical data trend for CSL Finance's ROCE % 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 ROCE % Chart

CSL Finance Annual Data

Trend

Mar17

Mar18

Mar19

Mar20

Mar21

Mar22

Mar23

Mar24

Mar25

Mar26

ROCE %

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11.43

11.64

12.77

12.81

10.11

CSL Finance Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
ROCE %	Get a 7-Day Free Trial															11.62	13.54	8.22	8.08	8.82

79GF Score

CSL Finance Ltd NSE:CSLFINANCE

ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.

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CSL Finance ROCE % Calculation

CSL Finance's annualized ROCE % for the fiscal year that ended in Mar. 2026 is calculated as:

ROCE %	=	EBIT	/	( (Capital Employed	+	Capital Employed)	/ count )
		(A: Mar. 2026 )		(A: Mar. 2025 )		(A: Mar. 2026 )
	=	EBIT	/	( ( (Total Assets - Total Current Liabilities)	+	(Total Assets - Total Current Liabilities) )	/ count )
		(A: Mar. 2026 )		(A: Mar. 2025 )		(A: Mar. 2026 )
	=	1182.324	/	( ( (12450.741 - 3908.261)	+	(14876.008 - 25.555) )	/ 2 )
	=	1182.324	/	( (8542.48	+	14850.453)	/ 2 )
	=	1182.324	/	11696.4665
	=	10.11 %

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

ROCE %	=	EBIT ⁽¹⁾	/	( (Capital Employed	+	Capital Employed)	/ count )
		(Q: Mar. 2026 )		(Q: Dec. 2025 )		(Q: Mar. 2026 )
	=	EBIT	/	( ( (Total Assets - Total Current Liabilities)	+	(Total Assets - Total Current Liabilities) )	/ count )
		(Q: Mar. 2026 )		(Q: Dec. 2025 )		(Q: Mar. 2026 )
	=	1309.388	/	( ( (0 - 0)	+	(14876.008 - 25.555) )	/ 1 )
	=	1309.388	/	( ( 0	+	14850.453 )	/ 1 )
	=	1309.388	/	14850.453
	=	8.82 %

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

Frequently Asked Questions Learn more about ROCE % →

What does a ROCE % of 8.82% mean?

CSL Finance (NSE:CSLFINANCE) has a ROCE % of 8.82% as of Mar. 2026.

Is CSL Finance's ROCE % too high?

CSL Finance's current ROCE % is 8.82%. The Credit Services industry median ROCE % is 3.46. CSL Finance's value of 8.82% is 154.9% above this industry median. Overall, CSL Finance has a GF Score™ of 79/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.

How does CSL Finance's ROCE % compare to V and MA?

CSL Finance's ROCE % of 8.82% can be compared against companies in the Credit Services industry. The industry median ROCE % is 3.46. CSL Finance's value of 8.82% is 154.9% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good ROCE % for a Credit Services company?

The median ROCE % among Credit Services companies is 3.46, based on 416 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CSL Finance's current ROCE % of 8.82% is 154.9% 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 ROCE % mean?

A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median ROCE % is 3.46 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CSL Finance's current ROCE % is 8.82%. 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 ₹441.78, compared to a current price of ₹225.97 — trading 48.9% below its estimated fair value. The current ROCE % is 8.82% and 154.9% above the Credit Services industry median of 3.46. CSL Finance's overall GF Score™ is 79/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is ROCE % calculated?

ROCE % is calculated from a company's financial statements. For CSL Finance (NSE:CSLFINANCE), the current ROCE % is 8.82% 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 48.9% below its estimated GF Value™ of ₹441.78. GuruFocus considers CSL Finance to be Possible Value Trap.

Key valuation signals for NSE:CSLFINANCE:

ROCE %: 8.82%
GF Value™: ₹441.78 vs. price of ₹225.97 (48.9% below fair value)
GF Score™: 79/100 with 7 warning signs
Industry Position: 154.9% above the Credit Services median

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

Industry Financial Services Credit Services

Comparable Companies BOM:538446 NSE:MANBA BOM:535667 BOM:538772 BOM:544200 NSE:LAXMIINDIA BOM:541358 BOM:505850 BOM:544191 BOM:540199 V MA AXP COF BOM:500034 PYPL AFRM SYF NSE:SHRIRAMFIN SOFI

Other Exchanges 530067:India

Address World Trade Tower, 716-717, 7th Floor, Tower B, Sector 16, Noida, UP, IND, 201301

Website https://www.cslfinance.in

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.

79GF Score

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

₹225.97

Price

₹441.78

GF Value

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