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Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
CSL Finance's 3-Year RORE % for the quarter that ended in Mar. 2026 was 9.11%.
The industry rank for CSL Finance's 3-Year RORE % or its related term are showing as below:
NSE:CSLFINANCE's 3-Year RORE % is ranked better than 51.54% of 518
companies
in the Credit Services industry
Industry Median: 8.19
vs NSE:CSLFINANCE: 9.11
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
CSL Finance 3-Year RORE % Related Terms
CSL Finance 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for CSL Finance's 3-Year RORE % 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: 3-Year RORE % Comparison
For the Credit Services subindustry, CSL Finance's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, CSL Finance's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where CSL Finance's 3-Year RORE % 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.
In the calculation of 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
CSL Finance (NSE:CSLFINANCE) has a 3-Year RORE % of 9.11 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on CSL Finance and its competitors. According to the industry distribution chart, CSL Finance ranks #251 out of 518 companies in the Credit Services industry, placing it in the top 48.5%.
Is CSL Finance's 3-Year RORE % too high?
CSL Finance's current 3-Year RORE % is 9.11. The Credit Services industry median 3-Year RORE % is 8.19. CSL Finance's value of 9.11 is 11.2% above this industry median. Based on the distribution chart, CSL Finance ranks #251 out of 518 companies in the Credit Services industry, which is above the industry midpoint. 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 3-Year RORE % compare to V and MA?
According to the Credit Services industry distribution chart, CSL Finance ranks #251 out of 518 companies for 3-Year RORE %. This puts CSL Finance in the upper half of its industry. The industry median 3-Year RORE % is 8.19. CSL Finance's value of 9.11 is 11.2% 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 3-Year RORE % for a Credit Services company?
The median 3-Year RORE % among Credit Services companies is 8.19, based on 518 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CSL Finance's current 3-Year RORE % of 9.11 is 11.2% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on CSL Finance and its competitors. For the Credit Services industry, the median 3-Year RORE % is 8.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CSL Finance's current 3-Year RORE % is 9.11. 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 ₹446.06, compared to a current price of ₹214.24 — trading 52% below its estimated fair value. The current 3-Year RORE % is 9.11 and 11.2% above the Credit Services industry median of 8.19. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For CSL Finance (NSE:CSLFINANCE), the current 3-Year RORE % is 9.11 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 ₹214.24 is trading 52% below its estimated GF Value™ of ₹446.06.
GuruFocus considers CSL Finance to be Possible Value Trap.
Key valuation signals for NSE:CSLFINANCE:
3-Year RORE %: 9.11
GF Value™: ₹446.06 vs. price of ₹214.24 (52% below fair value)
Industry Position: 11.2% above the Credit Services median (#251 of 518)
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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